PEG Africa recrute 01 Responsable de Portefeuille

About Bboxx – PEG and Acquisition

Bboxx is a UK-based Next Generation Utility company providing affordable, reliable and clean energy solutions to meet off-grid customers’ energy needs. We are fully vertically integrated, controlling every part of our customer experience. having already impacted over 2.5 million customers’ lives with our solar home systems (SHS) so far and diversification into clean cooking and other utilities underway, we have 1000+ staff working across five offices in Europe, Asia and Africa – who are waking up every morning to transform the lives of our customers and to unlock their potential.

Recently in September 2022, Bboxx acquired PEG Africa, giving access to new markets in Senegal, Ivory Coast, Ghana, and Mali, bringing total operating markets to 10 countries. This Merger and Acquisition is cementing Bboxx status as the leading super platform for life-changing products and services on the African continent by joining forces with PEG Africa, one of the largest providers of distributed energy in West Africa and one of the continent’s fastest-growing companies.

Role Brief

Bboxx-PEG Senegal, is looking for a new member of its management team responsible for driving the commercial strategies to minimize credit risk and meet cash collections targets from customers. The role will drive the identification, development and implementation of initiatives to drive sustainable growth.

The successful candidate has an entrepreneurial mindset that thrives in a start-up environment, a creative strategist with excellent organizational abilities.

The role spans collaborative work with other departments to achieve company and unit KPIs, policy definition and implementation through piloting of initiatives and customers/sales incentives, in-life data-driven customer channel management.

The ideal candidate is someone able to structure and implement solid plans (initiatives, campaigns, promotions) to drive performance within the dept and across other depts (especially sales and customer service), leveraging data to identify the levers to prioritize to achieve the expected targets. Leveraging on market insights the candidate should be able to define pilots that are to be tested and assessed before scaled-up across the customers.

Responsibilities

Proactively and sustainably manage and monitor credit risk at both a portfolio and a customer account level in line with the company’s risk appetite and targets
Build and manage a best-in-class credit operation, with efficient and effective organizational structures, tools, standards and systems and methods of effectively monitoring and ensuring compliance
Achieve portfolio quality, cash-flows and cost KPIs
Recruitment, development and management of teams within unit (approx. 20 FTEs)
Be the primary point of contact with the other depts. (sales and customer service, …) to create awareness on their credit performance and collaboratively define action plans
Identify innovative ways to collaborate with third parties (Telco’s, MFI’s, etc) to maximize portfolio health
Active member of country management team for the strategic steering of the company

Deliverables and Activities

Strategy, Analytics & Innovation

Lead the development of the cross-functional Credit Performance Management Dashboard and action plans
Consolidate quantitative and qualitative inputs from our customers and other sources to fully understand the repayment performance of our customers.
Design and implement A/B tests to identify the most powerful ways we can improve customer repayment behavior
Structure and implement customer insight research projects, such as mapping the financial lives of households, to deepen our understanding of what drives repayment behaviors
Use the data insight from the above to scale any that are effective in improving customer repayment patterns
Inform pricing and product strategies to the PEG Senegal strategic objectives regarding Credit and customer repayment

Credit Risk Monitoring & Management

Monitor, assess, and anticipate credit risk across the portfolio, and proactively and sustainably manage credit risk exposure in line with PEG Africa strategy and targets.
Identify key contributors to low performance and create action plans for improvement.

Scalable Credit Operations

Envision, implement and manage the systems, tools, structures, team and processes needed to support a highly effective and efficient credit operation that can serve hundreds of thousands of customers, localizing PEG Africa policies wherever possible
Build effective, user- and field-friendly systems, processes, and tools that the teams need to make the largest and most cost efficient impact possible on customer repayment patterns
Coordinate with Commercial and Customer Experience teams to define protocols for how different teams interact with customers so that we encourage good repayment behavior in an inclusive and customer-friendly way
Create and maintain PEG Senegal Credit policies and procedures in line with PEG Africa standards, ensure their compliance, and seek out ways to improve their effectiveness and efficiency.
Improve the way we collect ongoing quantitative and qualitative data for each customer interaction to gain richer insight into their experience and repayment behavior
Monitor and optimize the cost of loan servicing to strike the right balance between effectiveness and cost efficiency

Responsible Credit Culture

Ensure a responsible, engaging, and customer-centric approach to financial services at all points in the customer journey, and across all areas of the business.
Collaborate with partners in other functions (Call Center, Service Center, Commercial Team, etc.) to establish performance standards and create accountability for results
Ensure there are timely and effective mechanisms for feedback to teams and team members on issues related to performance or compliance to policy and procedure, including retraining or other measures as needed
Be an outspoken advocate for responsible financial services and credit risk management by providing strategic leadership, ongoing training and communication to the entire PEG Senegal team.

Team Building & Management

Build a team that is passionate about our mission and embodies the PEG Africa values.
Manage the team and day to day operations
Mentor the team to continuously build their critical thinking and execution skills so that they can maximize their contributions

Global cross-pollination

Collaborate with PEG Africa market credit teams & Group credit team to leverage best practices, implement best practices from the PEG Africa network and brainstorm solutions to common challenges.

Application Process

Please upload your CV and answer few questions via our online application platform: ; https://bboxx.csod.com/ux/ats/careersite/4/home/requisition/1335?c=bboxx .Qualified candidates will be contacted with information regarding the next steps.

Applications are reviewed on a rolling basis, so we encourage you to apply ASAP.

The deadline for applications is October 31st 2022.

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