Head of Credit Operations

at  Engie Mobisol GmbH

Requisition ID: 30690
Location:Berlin, DE
Job Title: Head of Credit Operations
Department: Global Customer Finance
Reporting Line: Head of Customer Finance
Location: Any EEA country of operation or Berlin (Germany)
This position involves an estimated 30% to 40% business travel to other EEA countries of operation as well as occasional travel for department or functional workshops or representation of ENGIE Energy Access

EXPERIENCE:

• 12+ years of professional experience in credit operations and portfolio management; work experience in Sub-Saharan Africa in the off-grid energy sector is a plus
• 8+ years of domain experience in credit or consumer finance operations or other data-smart lending operations based on commercial principles; exposure to individual micro lending technology and experience in data-driven and digital financial services is a plus
• Relevant experience in leading multi-cultural, decentral teams
• Proven ability and agility to perform in a VUCA environment
• Senior profile with commercial acumen and a can-do-attitude combining output orientation, number orientation, process orientation, customer orientation and team orientation
• High level of professional curiosity; elevated level of interest in how to make processes work to their best and an aptitude to investigate and crosscheck information before acting on it
• Strong analytical and presentation skills; ability to combine hard data and observations on operational realities and translate into actionable guidance
• Strong and confident communicator who is adept at cross-functional collaboration, sharing feedback, information, and knowledge with others when joint solutions are required
• Empathy and stamina in collaboration with a broad range of stakeholders including customers and customer-facing teams across the business and its cultural contexts
• Familiarity with the characteristics of our customer base and the challenges faced by our customer-facing teams

QUALIFICATIONS:

• University degree required; master’s degree in economics, agricultural economics, development economics, business, finance, microfinance, or a related subject is desired
• Certification in a relevant topic (e.g. project management; process mapping; Six Sigma; microfinance or portfolio management) is a plus.

• Credit Operations: Framework, Strategy and Standards. In alignment with the Head of Customer Finance enhance EEA’s business case through an innovative, effective, robust, and customer-centric best-practice Credit Operations Framework and drive its implementation to deliver results:
• Credit Operations Framework. Develop and continuously refine EEA’s Credit Operations Framework along the principles of commercial viability, subsidiarity, customer centricity, rule-based decision-making, and data-smart digitized workflows.
• Credit Operations Ownership. Own EEA’s Credit Operations Framework for implementation across the business.
• Financial Services Strategy. Drive the process of designing, implementing, scaling, managing and continuously innovating EEA’s Financial Services Strategy (PAYGo plans, arrears-type loans, education loans, cash loans, insurance, etc.)
• Credit Operations Strategy. Drive the process of designing, implementing, and managing cohesive multi-stage Credit Operations strategies to be applied across the business.
• Policies, Standards & Procedures. As process owner conceptualize, document & maintain EEA-wide Credit Operations Policies, Standard Operating Procedures (SOPs) and other core materials in the form of a Credit Operations Handbook.
• Analytical Foundation. Substantiate EEA’s Financial Services Strategy and its Credit Operations Strategy implementation through appropriate analytical foundation. -Credit Operations: Operational Excellence & Cross-Functional Agenda. In alignment with the Head of CF drive credit operations practice along the steps of the credit cycle:
• Credit Operations Practice & Execution Support. Build, manage and iterate industry-leading credit operations across all markets guided by the credit cycle, including the structure, framework, policies, systems, routines, and tools which enable Country teams to execute on agreed objectives, as well as related on-the-ground execution support.