Credit Risk Compliance Manager

Job Title: Credit Risk Compliance Manager

Department: Global Customer Finance 

Reporting Line: Head of Credit Risk 

Location: Benin, Cote D'ivoire, Kenya, Tanzania, Uganda, Rwanda, Nigeria, Mozambique, Zambia or Berlin

Travel: 30 - 40 % business travel  to (other) EEA Countries of Operation

Job Grade: 16

About 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, ENGIE Mobisol and ENGIE PowerCorner; and develops innovative, off-grid solar solutions for homes, public services and businesses, enabling customers and distribution partners access to clean, affordable energy. The PAYGo solar home systems are financed through affordable installments from $0.19 per 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, Cote d’Ivoire, Kenya, Mozambique, Nigeria, Rwanda, Tanzania, Uganda and Zambia), over 1.5 million customers and more than 8 million lives impacted so far, ENGIE Energy Access aims to remain the leading clean energy company, serving millions of customers across Africa by 2025.  

www.engie-energyaccess.com 

Job Purpose/Mission  

With ENGIE Energy Access (EEA) selling the lion’s share of its products on credit to hundreds of thousands of individual customers every year, EEA’s Customer Finance function plays a key role in the success of the business.  

This role sits under the Global Customer Finance team that supports all EEA markets to manage the customer’s financial services journey and the credit cycle to deliver positive commercial outcomes and a positive customer experience.  

The Credit Risk Compliance Manager position is an exciting opportunity to play a key role in advancing EEA’s approach to credit risk management. The job holder will support the Global Customer Finance Function, specifically the Credit Risk Team, to map countries’ risk management practices in different areas of the credit risk management cycle and fraud prevention and remediation, compare the current practices with the applicable policies (i.e. EEA Credit Risk Management Framework) and standards (i.e. Standard Operating Practices), highlight emerging gaps and draft corrective plans, policies and/or countries’ guidelines in cooperation with global and local teams to tackle those gaps, develop a credit risk compliance management framework and related monitoring tools and routines. Moreover, the Credit Risk Compliance Manager will assist, and when/if appropriate take the lead, in implementing the actions aimed at improving credit risk agreed during the countries’ Credit Risk Committees. 

The position works in close collaboration with the other members of the Global Customer Finance team, especially with the Countries’ Heads of Customer Finance and the Credit Risk and Credit Operations Teams as well as with the countries and global Commercial, Customer Experience and Digital Teams. 

Responsibilities 

Credit Risk Mapping and Routines

• Develop, together with the global and local CF teams, credit risk mapping tools and routines to identify countries specific credit risk priorities with reference to EEA Credit Risk Management Framework and existing Standard Operating Practices. 
• Conduct internal assessments of and report to Global Customer Finance and local Management Teams on any non-compliance issues. 
• Contribute to the countries’ Credit Risk Reports and Risk Committee meetings by reporting on compliance subjects. 

Credit Risk Non-Compliance Remediation 

• Develop, together with the global and local CF and management teams, countermeasures to avoid and/or respond to current non-compliance instances. 
• Support the local teams to implement the non-compliance remediation actions (e.g. through portfolio analyses, adjustment or strengthening of credit management routines, etc.). 
• Ensure that country stakeholders have access to credit risk compliance monitoring tools and this information is used to inform decision making and action plans.  
• Collaborate with stakeholders to identify areas for improvement and potential for innovation in our processes, standards, tools, etc. 

Knowledge Sharing & Capacity Development Support.   

• Train and communicate on credit risk policy standards, tools and compliance best practices to country teams across multiple departments and levels of the business.  
• Support development and delivery of credit risk training content for MySol Academy or other credit-related training initiatives.
• Where appropriate, provide country teams and Global CF with insights and recommendations coming from analysis of reports and monitoring tools to give important context, inform decisions and action plans.
• Document and share credit risk compliance best practices and insights from across our network of country operations and global teams. 

Stakeholder Management 

• Serve as a lead point of contact for countries’ Head of Customer Finance departments in matters related to credit risk management compliance. 
• Work with country and global Customer Finance departments to build and maintain a strong credit culture across EEA.
• Contribute to the overall strategy and priorities of EEA Customer Finance and country-specific strategies (in some cases, leading or guiding this process) related to Credit Risk compliance. 
• Provide practical input to country and global credit operations strategy & standards development to foster credit risk compliance. 

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 decision 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. 

Knowledge and skills : 

Experience & Aptitudes: 

• 5 to 7 years of professional experience in a related field; work experience in Sub-Saharan Africa in the off-grid energy sector is a plus.  
• 3 to 5 years of experience in compliance management, credit risk management, credit operations, or other areas related to commercial lending and credit portfolio management is desired. 
• Can-do attitude, with a knack for problem solving and tackling big challenges that require both team collaboration and individual perseverance.
• Details oriented; keen analytical skills; ability to combine hard data and observations on operational realities to then translate them into actionable insights.
• High level of professional curiosity; high level of interest in how to make processes and systems work to their best level.
• Strong and confident communicator who is equally capable of asking for support and guidance as well as sharing feedback, information and knowledge with others.
• Detail-oriented, with an ability to help others check their work and maintain a high level of quality.
• Empathy and stamina in collaboration with a broad range of stakeholders including customer-facing teams, leaders and managers across various business functions and units, and across a variety of cultural contexts.
• Familiarity with the nature of our customer base and the challenges faced by our customer-facing teams. 

 Qualifications: 

• Diploma or degree required. Degree in economics, finance, microfinance, business, data analytics or a related subject is preferred. 
• Certification in a relevant topic (e.g. data analytics, credit risk management, project management) is a plus. 

Language(s):  

• English is required;  
• French & Portuguese is a plus

 Technology: 

• Proficiency with standard Microsoft Office software packages (especially Word, PowerPoint, Excel). 
• Working knowledge familiarity, and desired to expand knowledge of SQL and Tableau or other data visualization tools is required. 
• Experience working with mobile and digital tools for field operations is a plus. 

We thank all applicants for their interest, however due to the large volume of applications we receive, only shortlisted candidates will be contacted.  

ENGIE is an equal opportunity employer, promoting diversity and committed to creating an inclusive environment for all. All applications are screened based on business needs, job requirements and individual qualifications, without any regard to origin, age, name, sexual identity, orientation or preference, religion, marital status, health, disability, political opinions, union involvement or citizenship. Our differences are our strengths!