Credit Manager at Sun King Tanzania

The Credit Manager - Tanzania position is a field-based role under the Global Risk and Credit team in Tanzania. The role holder will be accountable for overseeing and managing credit risk & other risks within the Easybuy business. This role requires designing, implementing, and maintaining robust credit risk controls and operational processes to strengthen/improve the portfolio health and compliance. 

What you would be expected to do

Analyze portfolio performance:

• Systematically identifying high-risk customers and classifying their default probability using data insights and direct outreach.
• Identification of portfolio Reflags and timely reporting of the same
• Ensuring timely and accurate reporting of risk indicators and portfolio performance metrics.
• Monitoring regional/area trends and specific product performance to identify and implement corrective measures for negative trends

Audit & Compliance: 

• Conduct internal audits to identify process gaps and ensure compliance with existing policies- (Underwriting, Collection process, Welcome, Repossession process, Change of details etc )
• Provide detailed findings with actionable risk mitigation recommendations.

Collections Interventions: 

• Engage in proactive collection strategies i.e. ensuring KYC and Underwriting strategies aimed at enhancing the quality of clients onboarded.
• Generate, define, and implement field-based collection strategies through the field teams to enhance collections.
• Review existing policies and their impact on portfolio management and recommend adjustments or updates based on market trends or field findings.
• Ensure optimisation of Portfolio segmentation is achieved by assigning accounts from different buckets to specific users and proposing segmentation changes where necessary.
• Pilot Management: Ensure pilots in the field are well managed and tracked to meet the set success metrics by engaging the relevant stakeholders
• Fraud management: Ensure investigations into reported fraud cases are done in a timely manner and cases are closed within the SLA.
• Reporting & Documentation: Prepare comprehensive field reports including data collation, process documentation, and operational insights. Ensure timely and accurate reporting of risk indicators and portfolio performance metrics.
• Perform industry research, interpret data insights, and propose strategies to strengthen Greenlight Planet Kenya Limited’s market position and revenue optimisation in sales and collections.
• Any other task allocated by the credit lead/Risk leadership team in relation to the role scope from time to time.

You might be a strong candidate if you have

Academic Qualification & Work Experience

• Bachelor’s Degree in finance, Risk Management or a related business field, over 5 years of related experience, preferably in the Audit/Risk/Credit/Analytics department, with at least 5 years in a supervisory role
• Other relevant certification in Credit Management or Business Analytics/Statistics/ Data/Computer Science is an added advantage.
• Significant knowledge of data collection, field surveys 
• Excellent planning, organisational and analytical skills with strong attention to detail

Personal Attributes

• Self-driven, flexible, can quickly adapt to change, and able to multitask in a fast-paced environment
• Clear thinking/problem-solving ability. Ability to spearhead/lead projects/process improvement within operations and drive positive change, being able to break down complex issues into simpler steps and resolve them
• Strong leadership skills to direct and motivate a team of professionals
• Excellent presentation and communication skills, both verbal and written expression.
• Stakeholder engagement and teamwork skills: Ability to work productively with key stakeholders, aligning efforts to deliver strong business results.
• Outstanding planning and organisational skills
• Ability to self-manage work with little oversight
• Willingness to spend 70% of the time in the field.
• High level of integrity and data protection

What Sun King Offers

• A platform for professional growth in a rapidly expanding, high-impact sector.
• Immerse in a collaborative culture, energized by employees of Sun King who are collectively motivated by fostering a transformative, sustainable venture.
• A genuinely global environment: Engage and learn alongside a diverse group from varied geographies and backgrounds.
• Tailored learning pathways through the Sun King Center for Leadership to elevate your leadership and managerial capabilities.

We place great importance on sustaining a diverse, inclusive work environment. 

We believe that innovation and understanding comes from diversity on every spectrum.  We work to make sure every Sun King team member knows that they belong, knowing that sustaining an inclusive workplace requires conscious effort and is a continuous journey, not an end-state.

Sun King recruits, employs, trains, compensates and promotes people based on their experience, skills, effort, and results.  We explicitly prohibit discrimination on the basis of race, religion, caste, national origin, color, gender, marital status, family structure, sexual orientation, HIV/AIDS status, or disability.

About Sun King

Sun King is the world’s leading off-grid solar energy company, combining cutting-edge product design, fintech, and field operations to deliver energy access for the 1.8 billion people who live without an affordable and reliable electric-grid connection. Sun King has connected more than 20 million homes to solar power across Africa and Asia, adding over 200,000 homes each month. 

Sun King makes solar products affordable to low-income households and businesses via ‘pay-as-you-go’ purchase financing.  Sun King installs solar after customers pay a small deposit. Customers then make small, manageable payments of as little as US $0.11 a day via mobile money or cash. 

Instead of paying for expensive, polluting, and health-damaging kerosene for lighting or diesel for power, customers unlock savings through accessing solar power and after one to two years of payments, customers own their solar equipment outright. To date, our Sun King solar products have saved customers more than $4 billion cumulatively.

Sun King collects payments digitally through mobile money systems and its 28,000 field agents — over 650,000 payments each day.  Embedded electronics inside each Sun King device regulate usage based on payments, similar to the operation of a pre-paid mobile or electricity meter.  

From cost-effective solar systems that provide home lighting and phone charging to robust solar inverters that can power high-energy appliances such as laptops, computers, refrigerators, and more, effectively acting as a full stand-in for grid power, Sun King’s products cater to a wide range of income segments and energy needs. Leveraging its proven distribution network and brand, Sun King is expanding its range of products and services to encompass clean cooking, electric mobility, entertainment, and more, aiming to address the needs of our underserved customers.

Sun King employs 2,800 full-time staff in 12 countries, with specialties spanning product design, data science, logistics, customer service, sales, software, operations, and more — all with a passion to serve off-grid families.

Sun King is committed to gender diversity in the workplace.  Women represent 44% of Sun King’s workforce.