Credit Field Operation Manager at Engie | April 2024

Location:  

TZ

Job Title: Credit Field Operation Manager
Department: Customer Finance
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.

ReRResponsibilities

• 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!