Responsable risque crédit

Responsabilités

Job Location: Madagascar, Analamanga Region Work Station: This is a field-based role within the Analamanga Region, Madagascar. Expect at least 90% travel within the assigned region About the role : We are looking for a Regional Credit Risk Manager to join our Corporate Risk Department and lead collections and risk management activities across the Analamanga Region. This is a highly field-based leadership role responsible for driving regional collections performance, strengthening field collections processes, and ensuring effective execution of the company’s credit and risk strategies. Regional Collections Strategy & Portfolio Management Develop and implement regional collections strategies aligned with the company’s credit risk and business objectives. Analyse portfolio performance, repayment and delinquency trends, and other key indicators to identify risks and collection performance gaps. Develop daily, weekly, and monthly action plans to improve collection rates, reduce delinquency, and strengthen portfolio quality. Identify customers, agents, locations, or processes contributing to poor collections performance and implement targeted interventions. Monitor the results of collection activities and adjust strategies based on portfolio performance and field insights. Driving Field Collections & Customer Management Maintain a strong field presence through regular visits to the region’s AHQs and customer locations to drive collections from delinquent customers. Conduct field interventions with delinquent customers to understand the reasons for non-payment and identify appropriate solutions. Work closely with regional stakeholders, including the regional business manager, area business managers, and field sales executives, to drive customer recovery and product repossession where direct intervention is required. Train field teams on customer engagement, repossession procedures, and handling difficult collection cases. Work closely with Customer Care and Easy Buy teams to resolve customer complaints, disputes, and repayment challenges. Gather customer and field insights and use them to improve repayment behavior and customer satisfaction. Risk, Compliance & Audit Conduct targeted audits, market visits, investigations, and field assessments to check sales quality, collections practices, customer interactions, and adherence to set policies & operational processes. Identify, report, and investigate cases of product tampering, fraud, and other suspicious activities, and properly document and escalate findings in line with established Risk processes. Ensure all sales and collections activities comply with company policies on data privacy, consumer protection, responsible customer engagement, and risk management. Reporting & Stakeholder Collaboration Track and analyse daily, weekly, and monthly regional collections performance and identify emerging risks and performance gaps. Prepare regular updates on collection performance, field interventions, customer insights, key challenges, and actions taken. Provide clear, data-driven recommendations to the country credit manager and relevant regional stakeholders. Work closely with Sales, Customer Care, Easy Buy, Area Business Managers, Field Sales Executives, Risk, and other cross-functional teams to support smooth regional operations. Ensure actions arising from performance reviews, audits, investigations, and field visits are followed through to completion. Process Effectiveness and Efficiency Improvement Drive improvements in customer underwriting processes to strengthen credit assessment, decision-making, and portfolio quality. Develop and optimize collection strategies to improve repayment performance, collections effectiveness, and overall portfolio outcomes. Conduct customer and field surveys to gather insights and identify opportunities for improvement. Perform any other duties related to credit, risk, collections, and regional operations as may be assigned by the Country Credit Manager. You might be a strong candidate if you have/are Hold a Bachelor’s degree or higher diploma in Finance, Business, Economics, Credit Risk Management, or a related field. Have a minimum of 5 years of relevant experience in field collections, with at least 2 years in a supervisory or team leadership role, preferably within Microfinance, Fintech, Banking, or Credit/Debt Recovery. Have strong field experience and a proven ability to work effectively with rural and underserved customers. Are passionate about working in the field to drive collections, resolve customer issues, and improve the overall customer experience. Are fluent in English, French, and Malagasy, with strong verbal and written communication skills. Have strong analytical, problem-solving, and decision-making skills, with the ability to translate data and field insights into practical actions. Have excellent interpersonal and people-management skills, with the ability to mentor, motivate, and hold teams accountable for performance. Are highly organised, detail-oriented, and able to manage multiple priorities and follow through on issues to resolution. Can collaborate effectively with Sales, Customer Care, Easy Buy, Risk, and other cross-functional teams. Have strong knowledge of the Analamanga Region and its operating environment, with the ability to navigate and work effectively across the assigned territory. Have excellent working knowledge of MS Excel, Word, and Power Point. Are willing and able to work in a highly field-based role requiring at least 90% travel within the assigned area.

Formation / Diplômes

Secteur : Technology, Information and Internet

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