LOCATION OF JOB: Senegal / France

ABOUT THE ORGANIZATION:

Baobab is the leading digital financial inclusion group focusing on serving individuals, micro and small businesses in Africa and China. Baobab’s mission is to unleash the potential of the organization’s clients offering them simple and easy to use financial services. Founded in 2005 as Microcred, today Baobab has over 700,000 customers and 3,800 employees operating in Burkina Faso, China, Democratic Republic of Congo, Ivory Coast, Madagascar, Mali, Nigeria, Senegal, Tunisia and Zimbabwe.

ABOUT THE JOB:

The successful candidate will report to the Group Chief Risk Officer and be the central expert for credit and collections for the group, defining credit appetite and overseeing collections strategies across the Holding and Subsidiaries levels. The position will steer credit and recovery teams in subsidiaries in partnership with local General Management.

The Senior Manager for this function will be the focal point of contact in Microcred to cover all issues related to credit policies, approval process, early collection and recovery strategies, portfolio quality and management. In liaison with the Data Analytics team, the position will draw on portfolio analytics and functional expertise to optimize portfolio performance.

The manager will ensure Microcred portfolio quality and performance remain within or exceeds Group plan. He/she will advise teams, both at Holding and Subsidiaries level, on the best credit and collections practices from both a tactical and strategical perspective, and will ensure close cooperation with the Operations team at Holding and Subsidiaries level to deploy oversight, with Finance teams to contribute to planning process, and with IT to deploy digital solutions impacting credit and collections processes.

Tasks and Responsibilities:

• Formalize group and subsidiaries’ credit appetite through consolidated and individual credit policies. Monitor adherence to credit policies. Track exceptions;

• Review and decide on credit files beyond subsidiaries’ delegated authorities, including exceptions to credit policies;

• Monitor and report decision turnaround time;

• Assess subsidiaries’ collections structure and strategies. Consult and advise to optimize performance;

• Monitor and track collection performance vs. business plan. Ensure positive contribution of credit and recovery deliverables to Group objectives;

• Establish and lead regular portfolio reviews with subsidiaries. Implement standard review pack;

• Assist in producing / analyzing portfolio reviews for group needs;

• Assist in deploying digital solutions and new product impacting credit and collections processes;

• Lead community of credit and recovery personnel in subsidiaries and establish functional awareness through workplace and any other initiatives;

• Contribute to local staff assessment through regular individual performance reviews.

Qualifications:

• Prior experience in financial inclusion services;

• Exposure to Africa and / or China unbanked sectors;

• A minimum of ten years of experience in credit and collections, in a global environment;

• Prior lending authority;

• Demonstrated familiarity with portfolio management and data analysis;

• Written and spoken English and French;

• MS Office (particularly Excel and PowerPoint) and Google suite.

HOW TO APPLY:

Interested candidates should submit their CV and a cover letter to the following email.