Credit Field Operation Manager at ENGIE Energy Access Tanzania

Reporting line: Head of Customer Finance Department
Location: National Hub – Arusha, Tanzania
Job Grade: 16

About ENGIE Energy Access
ENGIE
Energy Access is the leading Pay-As-You-Go (PAYGo) and mini-grids
solutions provider in Africa. The company develops innovative, off-grid
solar solutions for homes, public services, and businesses, enabling
customers and distribution partners access to clean, affordable energy.
The PAYGO solar home systems are financed through affordable
installments from $0.19 per day and the mini-grids foster economic
development by enabling electrical productive use and triggering
business opportunities for entrepreneurs in rural communities. With
over 1,800 employees, operations in nine countries across Africa
(Benin, Côte d’Ivoire, Kenya, Mozambique, Nigeria, Rwanda, Tanzania,
Uganda, and Zambia), over 1.9 million customers, and more than 9 million
lives impacted so far, ENGIE Energy Access aims to impact 20 million
lives across Africa by 2025.
www.engie-energyaccess.com
www.linkedin.com/company/engie-africa

Job Purpose
Credit Field Operation Manager develops and implements policies,
processes, and procedures that reduce credit risk for ENGIE Mobisol
Tanzania. Work closely with the Head of the Customer Finance department
in the management and building of a credit risk control model that
predicts credit risk exposed to the company’s portfolio and enhances the
field credit presence across the country in line with driving the
predefined bottom line.

The Credit Field Operation Manager is
responsible for overseeing the month-on-month performance of all Zonal
Field Credit Managers and ensuring that all Credit KPIs assigned to the
zone credit operation are achieved and are in line with the country and
global target.

ReR Responsibilities

• Supervise
  and implement the Credit operation control process that identifies
  business risks, assesses, and analyzes risks, sets plan actions,
  Implementation as well as measures controls, and monitors mitigates.
• Support
  the Head of Customer Finance in setting the tone for credit risk
  governance, portfolio management as well as independent risk controls
  for ENGIE Mobisol UK Ltd.
• Preparation, establishment, and
  monitoring of policies and procedures that will help ENGIE Mobisol UK
  Ltd. meet the credit bottom line target of Bad Debt Expenses (BDE).
• Monitoring and evaluating active accounts to reduce or prevent bad debt losses.
• Develop new business processes, policies, and procedures and ensure that the risk of the credit portfolio is kept at a minimum.
• Ensure departmental SLAs are monitored and maintain statistical records of observed payment defaults.
• To
  listen to input from sales and Business management and then look for
  ways to help the Business Department achieve its goals without damaging
  the Customer Finance department’s ability to manage risk and control
  payment delinquency to acceptable levels.
• Provide company
  training unit with CF/ credit control content, proactive involvement in
  the conduction of training, and staff certification.
• Supervise
  the preparation of ENGIE Mobisol UK Ltd. risk appetite that gives
  thorough indicators of credit risks across the entire portfolio.
• Initiate
  and supervise the development of mechanisms to ensure that the internal
  control of ENGIE Mobisol UK Ltd. in terms of enhancement of field
  credit presence is effectively carried out and the results are simply
  assessed and evaluated.
• Participate in the Credit Committee to make proper decisions on the presented loan proposal.
• Review
  the Management Information System to determine possible related risks
  across the company credit portfolio and propose immediate remedies.
• Subordinates’ effectiveness:
  – Regular review of Department KPIs, performance assessment vs. KPIs along with related internal and external reporting
  – Ensure staff understands the context of their roles in relation to ENGIE Mobisol UK Ltd’s strategy.
  – Ensure staff in your department when performing their duties exhibit proper/acceptable behavior.
  –
  Ensure performance consequences are taken by the line managers in the
  department i.e. recognize best performers and manage poor performers
  from time to time through both, formal and informal feedback.
  – Assess and monitor the training and development needs of the staff in the department.
  – Ensure staff have the resources they require to perform their work.
  – Ensure that the credit KPIs related to BDE and provision are sustainably met
• Undertake any other related duties as assigned by the line management from time to time.

At
EEA, we have high expectations for our managers. Each manager plays a
key role in creating an exceptional experience not only for our
customers but for every person on our team. Our managers help EEA
realize our ambitious goals while developing their own leadership skills
and facilitating growth for their direct reports.

We believe that great Manager:

• Deliver
  ambitious results: As a high-performing and accountable leader, you
  create an enabling environment for effective action and bold decisions
  that contribute to the successful delivery of results.
• Act with
  integrity: As an ethical leader you are honest, respectful, objective,
  and transparent. You create and build upon a foundation of trust and
  openness.
• Inspire and mentor the team: As an inspirational
  leader, you walk the talk. You empower and coach your team with trust
  and humility.
• Are accessible: as an accessible leader, you
  develop and maintain deep connections with stakeholders through
  approachability and active listening.
• Ensure diversity and inclusion: as an inclusive leader, you ensure diversity and foster a sense of belonging.

Accountabilities

• Credit Team Performance
• Enforcement of Credit policy
• Quality of departmental service
• Credit asset management
• Accountable for adherence to the company’s Team budget
• Accountable to check before approving all financial requests.
• Accountable for the Bad Expenses budget of the Company and the loan provision
• Accountable on the country’s Implied default rate (IDR) as per the Global budget
• Overall accountable on the month-to-month field collection amount
• Performance driver to the country PAR 30+ and PAR60+ of the portfolio.

Knowledge and skills
Experience:

• 4+ years of experience in managing teams, ideally as a department
  manager/ portfolio manager/product manager at a Microfinance Institution
  (MFI) or SME-related bank or Mobile Network Operator (MNO)
• 7+
  years of relevant professional experience in credit assessment and/or
  credit scoring and/or portfolio management at an MFI or SME-related bank
  or MNO; high exposure to individual micro-lending technology is an
  added advantage.
• High level of familiarity with typical income,
  expenditure, and cash flow patterns of rural and semi-urban households
  and micro-enterprises across Tanzania
• High familiarity with the
  Tanzania Credit Bureau system, Microsoft Excel, Access, wording skills,
  and understanding of Office 365.
• Strong analytical skills,
  attention to detail, and able to assess risk while protecting the
  interest of the company, customers, and investors.
• Mature profile combining output orientation, number orientation, customer orientation, and process orientation.
• Ability to develop action plans to achieve work outputs, identify resources required, and implement the action plan.
• Ability to review business outcomes with colleagues and the Manager from time to time.
• Ability to identify areas where the company can be more effective and propose plans to implement these changes.
• Ability to take responsibility for meeting client needs.
• Demonstrates trust in working with colleagues. Gives open and constructive feedback.
• Ability to analyze the process required in undertaking a piece of work to plan tasks
• Ability to define and adapt own activities with time required.
• Strong
  communication, presentation skills, negotiation, very good
  organizational and interpersonal skills, dynamic self-starter, and team
  player.
• International work experience with, or exposure to, partners based outside East Africa is an added advantage.
• Willingness to travel frequently (domestic)
• Fluency in English and Swahili with excellent verbal and writing skills
• Ability to work in a fast-growing dynamic environment (not afraid of change).
• Passion for ENGIE Mobisol´s vision to plug in the world

Qualifications:

• A minimum Holder of University degree from a recognized university in
  Finance, Banking & Finance, Economics, or any other related field.
• Postgraduate/master’s degree is an added advantage

Language(s):

• Fluency in Swahili and English languages with excellent verbal communication skills.

Technology:

• Experience in using Microsoft applications, computer, and smartphone literate.

ENGIE
is an equal-opportunity employer, that promotes diversity and is
committed to creating an inclusive environment for all. All applications
are screened based on business needs, job requirements, and individual
qualifications, without any regard to origin, age, name, sexual
identity, orientation or preference, religion, marital status, health,
disability, political opinions, union involvement, or citizenship. Our
differences are our strengths!

Business Unit: GBU Flexible Gen & Retail
Division: Energy Access
Legal Entity: ENGIE MOBISOL UK Ltd, Tanzania Branch
Contract Type: Fixed-Term
Job Type: Full – Time
Professional Experience: Skilled ( >3 experience <15 years)
Education Level: Bachelor’s Degree