Credit Manager

Our client is a leading provider of cloud-based HR and payroll solutions in Africa. In addition, they are also offering both B2B (Payroll Financing) and B2C (Employee Loans). This business line provides essential financial support to businesses and employees, ensuring timely salary payments and access to credit.

The Credit Manager will be a key member of the Finance Team, responsible for managing the finance-related aspects of credit functions within the financial services division. This role will oversee credit risk assessment, policy enforcement, and collections oversight, ensuring that financial controls and risk management practices support business growth while safeguarding the company's financial health.

- Evaluate creditworthiness of clients and set credit limits, terms, and approval structures based on risk assessments.

- Develop and maintain credit policies aligned with industry best practices and regulatory requirements.

- Oversee collections process to ensure minimal loan defaults and non-performing assets.

- Implement early warning systems to track delinquency trends and take proactive measures.

- Provide monthly portfolio reports and risk insights to company management.

- Partner with the finance team to manage loan provisioning, write-offs, and IFRS 9 compliance.

- Oversee accurate recognition and reporting of interest income and fees at month-end.

- Manage and mentor Credit Controllers, improving their efficiency in collections and risk assessment.

- Establish KPIs for loan performance, collections efficiency, and credit quality.

* Bachelor's degree in Finance, Accounting, Economics, or a related field. A Master's degree or Certified Credit Professional (CCP) is an added advantage.

* 5+ years in credit management within financial services, fintech, or banking.

* Experience managing B2B (Payroll Financing) and B2C (Employee Loans) portfolios is highly desirable.

* Strong knowledge of collections strategies, credit scoring, and risk management.

* Prior experience managing credit teams.

* Strong analytical and decision-making abilities.

* Excellent stakeholder management skills with the ability to work cross-functionally.

* Proficiency in financial analysis, credit modeling, and collections software.

* Knowledge of IFRS 9 provisions, regulatory compliance, and fintech lending models.