Head of Credit job at Zembo Motorcycles SMC LTD | Apply Now

Debt Recovery and Management of Non-Performing Assets

• NPL Reduction and Portfolio Management: Ensure Zembo’s portfolio quality by maintaining Non-Performing Loans (NPLs) at or below the target Portfolio at Risk (PAR) percentage.

• Customer Follow-up and Recovery Enforcement: Lead the collection, verification and recovery teams to implement Zembo’s debt qualification, collection & recovery policies and strategies rigorously. You’ll design and lead them through any and all initiatives to contact defaulting customers, negotiate repayment plans, and minimize write-offs, ensuring each case is handled promptly and effectively.

• Credit Policy Compliance: Ensure all recovery activities align with Zembo’s Credit Policy and related board directives. Regularly review and enforce adherence to the debt management framework, identifying areas for process enhancement and recommending policy adjustments to support sustainable credit operations.

Credit Operations Management

• Process Standardization and Excellence: Establish and maintain Standard Operating Procedures (SOPs) for credit workflows, ensuring compliance, efficiency, and quality control across Zembo’s credit cycle.

• Digital Tools and Systems: Lead the development and enhancement of digital tools, including CRM and loan management systems, to support streamlined credit processing and accurate data management.

• Change Management: Drive the adoption of new processes, systems, and tools across teams through direct support, training, and change management strategies.

• Policy Localization: Tailor credit policies to local contexts, providing guidance to ensure regulatory and operational alignment across diverse markets.

• Portfolio Performance and Risk Monitoring

• KPI Tracking and Reporting: Create dashboards and reports to monitor credit portfolio health, enabling real-time insights into key performance metrics.

• Performance Analysis: Conduct regular analysis of credit performance data, identifying root causes of underperformance and opportunities for improvement.

• Risk Mitigation and Compliance: Develop and implement compliance routines, quality assurance, and risk monitoring to protect Zembo’s assets and maintain portfolio integrity.

Credit Culture and Capacity Development

• Fostering Credit Awareness: Instill a credit-focused mindset throughout Zembo, emphasizing the importance of credit principles and sound lending practices.

• Training and Development: Build credit team capabilities through onboarding, training, and ongoing support for credit staff at all levels.

• Mentorship: Act as a mentor to credit team members, particularly in supporting credit managers to develop leadership skills and enhance their operational impact.

Cross-functional Collaboration

• Stakeholder Management: Foster positive relationships with internal and external stakeholders, facilitating cross-functional communication to support end-to-end credit operations.

• Customer Support and Escalations: Work closely with sales, customer support, and collections teams to resolve customer issues, align on operational processes, and ensure smooth transitions throughout the credit journey.

• Service Level Agreement (SLA) Monitoring: Define and monitor SLAs for credit-related processes, ensuring accountability and timely resolution of any service issues.