Head of Credit job at Zembo | Apply Now

Debt Recovery & Non-Performing Asset Management

• NPL Reduction & Portfolio Management: Maintain portfolio quality by keeping Non-Performing Loans (NPLs) within the target Portfolio at Risk (PAR) percentage.

• Customer Follow-Up & Recovery Enforcement: Lead the collections, verification, and recovery teams to ensure the effective implementation of Zembo’s debt qualification, collection, and recovery policies. Drive efforts to contact defaulting customers, negotiate repayment plans, and minimize write-offs.

• Credit Policy Compliance: Ensure all recovery activities align with Zembo’s Credit Policy and relevant directives. Regularly review and enforce adherence to the debt management framework, proposing process improvements and policy adjustments to maintain sustainable credit operations.

Credit Operations Management

• Process Standardization & Excellence: Establish and uphold Standard Operating Procedures (SOPs) for credit workflows, ensuring compliance, efficiency, and quality control throughout Zembo’s credit cycle.

• Digital Tools & Systems: Lead the development and enhancement of digital tools, including CRM and loan management systems, to improve credit processing and ensure accurate data management.

• Change Management: Facilitate the adoption of new processes, systems, and tools across teams with support, training, and change management strategies.

• Policy Localization: Adapt credit policies to meet local regulatory and operational needs, providing guidance to ensure compliance across various markets.

Portfolio Performance & Risk Monitoring

• KPI Tracking & Reporting: Develop dashboards and reports to monitor credit portfolio performance, providing real-time insights into key metrics.

• Performance Analysis: Analyze credit performance data regularly to identify the root causes of underperformance and areas for improvement.

• Risk Mitigation & Compliance: Develop and implement risk monitoring, compliance routines, and quality assurance processes to safeguard Zembo’s assets and maintain portfolio integrity.

Credit Culture & Capacity Development

• Fostering Credit Awareness: Promote a credit-focused culture within Zembo, emphasizing the importance of sound lending practices and credit principles.

• Training & Development: Build the capacity of the credit team through onboarding, continuous training, and support.

• Mentorship: Mentor credit team members, particularly credit managers, to develop leadership skills and enhance their operational impact.

Cross-functional Collaboration

• Stakeholder Management: Cultivate positive relationships with internal and external stakeholders, facilitating communication across functions to support seamless credit operations.

• Customer Support & Escalations: Work closely with sales, customer support, and collections teams to resolve customer issues, ensure smooth transitions throughout the credit process, and align on operational procedures.

• Service Level Agreement (SLA) Monitoring: Define and track SLAs for credit processes, ensuring timely resolution and accountability for service-related issues.