Credit Manager

What you will be expected to do:

• Identify and classify customers at risk of default through data review and direct client interaction.
• Identify portfolio red flags and ensure timely reporting of the same.
• Ensure timely and accurate reporting of risk indicators and portfolio performance metrics.
• Review regional and Area trends, specific product trends, and propose remedies to address negative trends.

• Conduct internal audits to identify process gaps and ensure compliance with existing policies, including Underwriting, Collection processes, Welcome, Repossession processes, Change of Details, and other relevant procedures.
• Provide detailed findings with practical risk mitigation recommendations.

• Develop proactive collection approaches, including KYC and Underwriting practices aimed at enhancing the quality of clients onboarded.
• Generate, define, and implement field-based collection approaches through field teams to improve collections.

• Review existing policies and their impact on portfolio management.
• Recommend adjustments or updates based on market trends and field findings.
• Portfolio Segmentation:
• Ensure effective portfolio segmentation by assigning accounts from different buckets to specific users.
• Recommend segmentation changes where necessary based on portfolio performance and field findings.

• Ensure pilots in the field are well managed and tracked against defined success metrics.
• Engage relevant stakeholders throughout pilot implementation and review.
• Fraud Management:
• Ensure investigations into reported fraud cases are completed within required timelines.
• Track cases through to closure within SLA.

• Prepare comprehensive field reports covering data collation, process documentation, and operational insights.
• Ensure timely and accurate reporting of risk indicators and portfolio performance metrics.
• Maintain clear and accurate records relating to field activities, findings, and risk actions.

• Conduct industry research and review information collected from relevant sources.
• Propose changes that can strengthen Sun King Ethiopia’s market position across sales and collections.
• Additional Activities:
• Handle other tasks assigned by the Credit Manager and Risk Management team in relation to the scope of the role from time to time.

You might be a strong candidate if you have:

• Bachelor’s Degree in Finance, Risk Management, or a related business field, with over 10 years of related experience, preferably in Audit, Risk, Credit, Data, or related functions, including at least 5 years in a supervisory role.
• Relevant certification in Credit Management, Business Data, Statistics, Data, or Computer Science is an added advantage.
• Significant knowledge of data collection and field surveys.
• Excellent planning and organisational skills, with strong attention to detail and the ability to review complex information accurately.

What Sun King offers:

• Professional growth in a dynamic, rapidly expanding, high-social-impact industry
• An open-minded, collaborative culture made up of enthusiastic colleagues who are driven by the challenge of innovation towards profound impact on people and the planet.
• A truly multicultural experience: you will have the chance to work with and learn from people from different geographies, nationalities, and backgrounds.
• Structured, tailored learning and development programs that help you become a better leader, manager, and professional through the Sun Center for Leadership.

About
Sun King is the world’s leading off-grid solar energy company, combining cutting-edge product design, fintech, and field operations to deliver energy access for the 1.8 billion people who live without an affordable and reliable electric-grid connection.Sun King has built a new kind of energy utility: distributed, green, customer-centric, and affordable. We bring clean, reliable, decentralized energy directly into people’s lives — from solar kits that provide first-time energy access to multi-kilowatt systems that serve both off-grid users and grid-connected customers powering larger homes, schools, hospitals, farms, offices, and light manufacturing.Already, 25 million homes and businesses rely on Sun King for electricity supply and the appliances and services it enables: lighting, televisions, fans, refrigeration, and smartphones. Sun King combines energy generation, energy-efficient appliances, installation, and financing into one seamless offering. Think of it as a distributed utility, designed for wherever energy is needed and designed to scale with its users as incomes and energy needs grow.Sun King makes solar products affordable to low-income households and businesses via ‘pay-as-you-go’ (PAYG) purchase financing. Sun King installs solar after customers pay a small deposit. Customers then make small, manageable payments of as little as US $0.14 a day via mobile money or cash.Instead of paying for expensive, polluting, and health-damaging kerosene for lighting or diesel for power, customers unlock savings through accessing solar power and after one to two years of payments, customers own their solar equipment outright.Sun King collects payments digitally through mobile money systems and its 35,000 field agents — over 1 million payments each day. To date, Sun King has extended more than $1.4 billion in PAYG loans to customers.Sun King began by powering homes and businesses with solar systems delivered through PAYG financing. Now, we’re using the same model to make smartphones and clean cooking equipment affordable: helping households connect to the digital economy and transition from wood-based fuels to modern, sustainable alternatives.Sun King employs 3,500 full-time staff in 14 countries, with specialties spanning product design, data science, logistics, customer service, sales, software, operations, and more — all with a passion to serve off-grid families. Sun King is committed to gender diversity in the workplace. Women represent 42% of Sun King’s workforce.