WHAT THIS JOB IS ABOUT
As the Head of Credit, you will be:
• Responsible for advancing Mobisol credit function, providing
leadership, management and spirit necessary for the customer finance
department to achieve its goals.
• To provide strategic communication for Customer Finance in terms of
customer assessments, loan recovery and credit control to support the
products and services of Mobisol to ensure income growth and consistent
implementation of Mobisol’s credit product awareness
YOUR TASKS
• Provide a strategic direction of credit department within the organization.
• Responsible for the review and approval of commercial credit proposals
of the company and to maintain a good balance between returns and risks
exposure.
• Hands-on management of all day-to-day operations of Credit team along the customer credit cycle, i.e. credit assessment, underwriting, loan monitoring and work-out, including development of appropriate responses to portfolio underperformance
• Take responsibility for and manage the Credit Department as a profit
centre which reports on key performance indicators related to company
targets (P&L, portfolio quality, operational efficiency)
• Play a key role in development of new lending platform, establishing and updating all lending policies and guidelines.
• Foster a strong credit culture in the organization, build and lead
teams that act in accordance with Mobisol’s policies and sound credit
delivery principles e.g. Ensure high standard credit quality of the
portfolio at all times.
• Analyse, evaluate internal and external risks, and provide relevant pre-cautions and solutions to the risks. Provide requirements and design inputs, particularly with regard to credit risk recognition, measurement and its reporting as a part of core team for implementation of key credit risks.
• Analyse, evaluate internal and external risks, and provide relevant pre-cautions and solutions to the risks. Provide requirements and design inputs, particularly with regard to credit risk recognition, measurement and its reporting as a part of core team for implementation of key credit risks.
• Review and develop the Mobisol’s credit approval and repossession
policies and guidelines as well as participate in ad hoc projects of
investigative or trouble-shooting nature on specific customers portfolio
• Serve as a key point of contact for Mobisol’s domestic and
international 3rd party funding partners and ensure operational
compliance with related KPIs
• Ensure proper integration of the Credit department into Mobisol’s overall operations and workflows
• Subordinates effectiveness:
o Ensure staff understands the context of their roles in relation to Mobisol’s strategy.
o Ensure staff in your department when performing their duties exhibit proper / acceptable behaviour.
o Ensure performance consequences are taken by the line managers in your
department i.e. recognize best performers and manager poor performers
from time to time through both, formal and informal feedback.
o Assess and monitor the training and development needs of the staff in the department.
o Ensure staff have the resources they require to perform their work
YOUR QUALIFICATIONS
• University degree from a recognised university in Finance, Banking & Finance, Economics or any other related field. Postgraduate/Master’s degree is an added advantage
• 8+yrs experience in managing teams, ideally as a department manager/ portfolio manager/ product manager/Credit Manager at a Micro-finance Institution (MFI) or SME-related bank or Mobile Network Operator (MNO)
• 8+yrs relevant professional experience in credit assessment and/ or credit scoring and/ or data-smart lending 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 creativity and innovation capacity to enhance and incorporate mobile-money-based lending procedures
• 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 details 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
• Strong communication, presentation skills, negotiation, very good organisational 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; international)
• 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 Mobisol´s vision to plug in the world
YOUR PERSPECTIVE
Mobisol is an innovative company both in production innovation, selling tactics, professional tactics and most of all an ethical company. Mobisol focuses on improvement of its operation through its passionate employees, our customers have always been the core of our business. Providing most wonderful experience and journey of lighting up the world.
Our Company encourage its employees to seize opportunities and foster diversity depending on your qualifications and experience.
We believe in believes in sustainable development, with a vision to plugin the world through renewable energy Solar Energy to be specific.
Of great Value to you will be:
• An international Learning culture and experience
• A diverse youthful and energized task force
• A fast-growing environment to foster personal and work growth.
How to Apply
To apply, please send Your:
• Curriculum Vitae
• University degree from a recognised university in Finance, Banking & Finance, Economics or any other related field. Postgraduate/Master’s degree is an added advantage
• 8+yrs experience in managing teams, ideally as a department manager/ portfolio manager/ product manager/Credit Manager at a Micro-finance Institution (MFI) or SME-related bank or Mobile Network Operator (MNO)
• 8+yrs relevant professional experience in credit assessment and/ or credit scoring and/ or data-smart lending 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 creativity and innovation capacity to enhance and incorporate mobile-money-based lending procedures
• 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 details 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
• Strong communication, presentation skills, negotiation, very good organisational 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; international)
• 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 Mobisol´s vision to plug in the world
YOUR PERSPECTIVE
Mobisol is an innovative company both in production innovation, selling tactics, professional tactics and most of all an ethical company. Mobisol focuses on improvement of its operation through its passionate employees, our customers have always been the core of our business. Providing most wonderful experience and journey of lighting up the world.
Our Company encourage its employees to seize opportunities and foster diversity depending on your qualifications and experience.
We believe in believes in sustainable development, with a vision to plugin the world through renewable energy Solar Energy to be specific.
Of great Value to you will be:
• An international Learning culture and experience
• A diverse youthful and energized task force
• A fast-growing environment to foster personal and work growth.
How to Apply
To apply, please send Your:
• Curriculum Vitae
