Head of Credit Operations
vor 4 Wochen
Job Overview:
- The Head of Credit Operations is a senior manager in ENGIE's Global Customer Finance department, responsible for advancing the company's financial services strategy and developing and managing related credit operations.
- The role involves leading a team of dedicated professionals, providing leadership, spirit, and skills necessary for ENGIE's CF operations teams to achieve their targets across the business.
- The Head of Credit Operations focuses on achieving both effectiveness (in terms of management of timely repayment) and efficiency (in terms of overall ROI of credit operations activities) of ENGIE's credit operations across markets.
Key Responsibilities:
- Credit Operations: Framework, Strategy, and Standards. Develop and continuously refine ENGIE's Credit Operations Framework along the principles of commercial viability, subsidiarity, customer centricity, rule-based decision-making, and data-smart digitized workflows.
- Credit Operations Ownership: Own ENGIE's Credit Operations Framework for implementation across the business.
- Financial Services Strategy: Drive the process of designing, implementing, scaling, managing, and continuously innovating ENGIE's Financial Services Strategy (PAYGo plans, arrears-type loans, education loans, cash loans, insurance, etc.).
- Credit Operations Strategy: Drive the process of designing, implementing, and managing cohesive multi-stage Credit Operations strategies to be applied across the business.
- Policies, Standards & Procedures: As process owner, conceptualize, document, and maintain EEA-wide Credit Operations Policies, Standard Operating Procedures (SOPs), and other core materials in the form of a Credit Operations Handbook.
- Analytical Foundation: Substantiate ENGIE's Financial Services Strategy and its Credit Operations Strategy implementation through appropriate analytical foundation.
Requirements:
- 12+ years of professional experience in credit operations and portfolio management; work experience in Sub-Saharan Africa in the off-grid energy sector is a plus.
- 8+ years of domain experience in credit or consumer finance operations or other data-smart lending operations based on commercial principles; exposure to individual micro lending technology and experience in data-driven and digital financial services is a plus.
- Relevant experience in leading multi-cultural, decentral teams.
- Proven ability and agility to perform in a VUCA environment.
- Senior profile with commercial acumen and a can-do-attitude combining output orientation, number orientation, process orientation, customer orientation, and team orientation.
- High level of professional curiosity; elevated level of interest in how to make processes work to their best and an aptitude to investigate and crosscheck information before acting on it.
- Strong analytical and presentation skills; ability to combine hard data and observations on operational realities and translate into actionable guidance.
- Strong and confident communicator who is adept at cross-functional collaboration, sharing feedback, information, and knowledge with others when joint solutions are required.
- Empathy and stamina in collaboration with a broad range of stakeholders including customers and customer-facing teams across the business and its cultural contexts.
- Familiarity with the characteristics of our customer base and the challenges faced by our customer-facing teams.
Qualifications:
- University degree required; master's degree in economics, agricultural economics, development economics, business, finance, microfinance, or a related subject is desired.
- Certification in a relevant topic (e.g., project management; process mapping; Six Sigma; microfinance or portfolio management) is a plus.
Language:
- English written and spoken fluency required.
- French, Swahili, or Portuguese is a plus.
Technology:
- Proficiency with standard Microsoft Office software packages is required.
- Experience with Tableau or other data visualization tools and approaches are a plus.
- Ability to develop SQL queries and/or experience with other statistics packages is a plus.
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