Credit Assessment Team Lead at ENGIE Energy Access

ENGIE Energy Access is one of the leading Pay-As-You-Go (PAYGo) and mini-grids solutions provider in Africa, with a mission to deliver affordable, reliable and sustainable energy solutions and life-changing services with exceptional customer experience. The company is a result of the integration of Fenix International, ENGIEMobisol and ENGIEPowerCorner; and develops innovative, off-grid solar solutions for homes, public services and businesses, enabling customers and distribution partners access to clean, affordable energy.

ThePAYGosolar home systems are financed through affordable installments from $0.19per day and the mini-grids foster economic development by enabling electrical productive use and triggering business opportunities for entrepreneurs in rural communities. With over 1,700 employees, operations in 9 countries across Africa (Benin, Coted’Ivoire, Kenya, Mozambique, Nigeria, Rwanda, Tanzania, Uganda and Zambia), over 1.2 million customers and more than 6 million lives impacted so far, ENGIE Energy Access aims to remain the leading clean energy company, serving millions of customers across Africa by 2025.

We are recruiting to fill the position below:

Job Title: Credit Assessment Team Lead

Requisition ID:  16791
Location: Lagos
Department: Customer Finance
Reporting Line: Head of Customer Finance

Job Purpose / Mission

• The Customer Finance Team plays a pivotal role in ensuring the overall success of our largely unbanked customers in completing their loans and getting continued access to clean, reliable energy.
• The team works cross-functionally with our commercial, customer experience, product development and operations on the ground to ensure that we provide all customers with successful responsible onboarding and offer constant support through adequate monitoring and interventions all the way through the lifetime of our customers’ loans.
• The Credit Assessment Team Lead provides an amazing opportunity for the right candidate to have a direct impact on how we are revolutionizing credit and financial inclusion for the base of the pyramid.
• S/he will work closely with the Head of Customer Finance, Customer Finance Operations Manager, Customer finance team and the commercial team around building assessment framework, credit training, credit risk analysis
• S/he is a are required to review the financial status of new and existing customers to determine their level of risk and make recommendations to the company.

Responsibilities

• Manage a team of assessment officers across different regions in Nigeria with clearly defined Key Performance Indicators.
• Work with Global and Nigerian Team to build a scalable customer assessment for all categories of our off-grid sector.
• Ensure all systems that are handed over have been audited for the correct price, customer inventory and contract are all correctly reflected on database.
• To ensure that all new customers are On-boarded within seven days after hand over and crosscheck if customer are making the First payment.
• Conduct training for credit assessment officers and other Customer finance team members.
• Ensure all assessed customers with issues are escalated to respective Regional Managers or Department and solve all updated cases in return.
• The team leader is responsible to ensure that all new customers applied via MySOLgo app or any other platform and all seeking for extra appliances are educated and assessed as visible in the Data Base and those who qualified are approved on time.
• To ensure that the team responds to all CF related customer cases coming in through CC using the ticketing system, explaining loan account issues to customers.
• Responsible for payments management which include paying out compensation payments to customers, including payments related to CRC, and other compensation. Following up on uncredited payments and transferring these to right loan accounts.
• To supervise the compliance to management of multiple loan customer loan accounts i.e., creating new payment accounts for upselling of post warrant appliances i.e., battery, panel, and solar controller.
• Responsible for the supervision of the cancelling loans account as per customer request after approval by the line of authority. Confirmation of paid off customers on daily bases and the Provision of receipts to all paid off customers.
• Contribute Ideas of continuous improvement (CIP) of the Customer finance department, especially where directly applicable to assigned tasks.
• Ensure all applied customers are assessed within SLA timelines.

Management Responsibilities

• At EEA, we have high expectations for our managers. Each manager plays a key role in creating an exceptional experience not only for our customers but for every person on our team.
• Our managers help EEA realize our ambitious goals while developing their own leadership skills and facilitating growth for their direct reports.

We believe that great managers:

• Deliver ambitious results: As a high-performing and accountable leader, you create an enabling environment for effective action and bold decisions which contribute to successful delivery of results.
• Act with integrity: As an ethical leader you are honest, respectful, objective, and transparent. You create and build upon a foundation of trust and openness.
• Inspire and mentor the team: As an inspirational leader you walk the talk. You empower and coach your team with trust and humility.
• Are accessible: as an accessible leader, you develop and maintain deep connections with stakeholders through approachability and active listening.
• Ensure diversity and inclusion: as an inclusive leader, you ensure diversity and foster a sense of belonging.

Qualifications

• Bachelor's Degree or HND in Accounting, Finance, Economics, or any related qualification.

Language(s):

• English
• Proficiency in one or more languages spoken by our customers is a big plus.

Technology:

• Proficiency with Microsoft Office Suite (Word, Excel, PowerPoint) and Experience using data analysis tools.

Knowledge and Skills:

• 3 years minimum work experience in Loan approvals and process optimization.
• Work experience in related areas such as energy access, last-mile product financing, microfinance or similar is a big plus.
• Strong analytical skills, attention to details and able to assess risk while protecting the interest of customers and the business.
• High level of comfort working with data, with the ability to translate analysis to insights.
• Deep empathy for the customer and commitment to inclusivity, consumer protection, & responsible financial services within the context of creating a profitable, scalable enterprise
• Excitement about ENGIE’s mission and a deep desire to make an impact on off-grid and financially underserved customers in sub-Saharan Africa.
• Good understanding of underwriting process, previous experience in a business dealing with loans is a plus.
• Knowledge of KYC and other risk management tools
• Experience in customer relationship management.
• Proven ability to analyze larger sets of data and strong attention to detail.
• Effective Team player
• Self-starter with a passion for MSMEs, bottom of the Pyramid customers and its mission to plug in the world.
• Flexibility with ability to work under pressure to meet deadlines.

Application Closing Date
Not Specified.