Job Title : Credit Risk Manager

Department : Global Customer Finance

Reporting Line : Head of Credit Risk & Compliance Management

Location : Any EEA country of operation or Berlin (Germany)

Job Grade : 16

About ENGIE Energy Access

ENGIE Energy Access is a leading Pay-As-You-Go (PAYGo) and mini-grid solutions provider in Africa. The company 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 instalments 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 1,800 employees, operations in nine countries across Africa (Benin, Côte d'Ivoire, Kenya, Mozambique, Nigeria, Rwanda, Tanzania, Uganda, and Zambia), over 2.5 million customers and more than 12 million lives impacted so far, ENGIE Energy Access aims to impact 30 million lives across Africa by 2030.

https : / / www.linkedin.com / company / 3055106

Job Overview

• With EEA selling 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.
• The Global Customer Finance function supports EEA's operating entities on credit product design, workflow enhancement guidance, portfolio management tools and capacity building.
• Within the Credit Risk Management Team of Global Customer Finance, we work on the standards, systems, tools and workflows employed by EEA's country operations to analyse, manage and direct EEA's portfolio quality as guided by the relevant Company Policy and business objectives.
• The Credit Risk Manager plays a crucial role in managing and enhancing the quality of ENGIE Energy Access's credit portfolio across EEA's countries of operation. Reporting to the Head of Credit Risk Management, this role entails supporting on the conceptualization, scoping and design of credit risk management strategies, frameworks and tools to optimize portfolio performance and mitigate risk.
• On a day-to-day basis, the Credit Risk Manager works closely with country teams, the Global Customer Finance team, and adjacent departments (especially Strategic Marketing and Digital) to assess portfolio performance and to ultimately refine credit risk policies, procedures, tools, and compliance frameworks. In this context, the Credit Risk Manager provides process-level expertise to select EEA country operations and other Global departments on Credit Risk Management in general, and on core processes, operating frameworks and standards directly managed by the role holder.

Key Responsibilities

Policies, Standards & Procedures . Contribute to the documentation, implementation & maintenance of EEA-wide Policies, Standard Operating Procedures (SOPs) and other core materials related to how our markets should organize their credit risk management function, how to set their respective agenda and how to design related specific workflow for which the role owner was appointed as process owner or custodian.

Credit Risk Reporting and Monitoring. Manage and iterate a credit risk monitoring system pivoted around the Country Credit Risk Reports and related Country Credit Risk Committee meetings involving the country management teams. Inform Executive strategic decision-making processes through the Global Credit Risk Report and related Global Credit Risk Committee meetings involving key decision-makers at SLT level.

Credit Culture. Foster a strong credit culture built on credit risk awareness and understanding of credit principles in the organization, particularly through training, facilitation and capacity development.

Qualifications and Skills

Experience :

Qualifications :

Language(s) :

Technology :

This position involves 20% to 40% business travel to other EEA countries of operation as well as occasional travel for department workshops, functional workshops, training or representation of ENGIE Energy Access.

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!