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Credit Operations and Collections Manager

2 weeks ago

Lagos, Lagos, Nigeria Koolboks Full time

Job Summary

The
Credit Operations and Collections Manager
will oversee the entire credit lifecycle — from approval and disbursement to repayment and recovery — ensuring operational excellence, financial accuracy, and compliance at every stage. This role requires a strong process manager who can harmonize workflows across departments, drive repayment performance, manage collections and recoveries, and maintain data integrity within Koolboks' credit operations framework.

Key Responsibilities
1. Credit Workflow Harmonization

  • Map and monitor the full credit journey: approval → delivery → installation → activation → repayment.
  • Coordinate with Sales, Logistics, Installations, and Customer Support teams to resolve process bottlenecks.
  • Develop and implement Standard Operating Procedures (SOPs) for interdepartmental handoffs (e.g., installation timing, device locking, default flagging).

2. Repayment Execution & Monitoring

  • Set up, track, and reconcile repayments through various channels (direct debits, POS collections, USSD, and wallet payments).
  • Ensure all payment platforms are seamlessly integrated with backend systems (CRM and finance tools).
  • Oversee automation of payment reminders, escalation triggers, and device blocking workflows.

3. Collections & Recovery Oversight

  • Monitor daily aging reports and drive proactive collections and field recovery efforts.
  • Define and manage escalation tiers: SMS → call → device lock → field visit → repossession.
  • Liaise with external debt recovery agents or partners to enhance collection efficiency.

4. Reconciliation & Financial Reporting

  • Work with the Finance team to reconcile repayment inflows with scheduled credit repayments.
  • Identify, flag, and resolve anomalies such as overpayments, failed transactions, or missed deductions.
  • Ensure financial books accurately reflect collections, provisions, and write-offs.

5. Risk & Compliance Management

  • Implement internal controls across credit operations (e.g., no disbursement without full KYC verification).
  • Conduct periodic audits of customer files, repayment logs, and device activity.
  • Collaborate with Legal and Compliance teams on escalated cases or disputes.

6. Cross-Functional Performance Alignment

  • Lead weekly "Credit Sync" meetings with Finance, Credit, Field Operations, and Telesales teams.
  • Drive adoption of automation tools, CRM workflows, and performance dashboards.
  • Maintain a clean, auditable trail across the entire repayment and recovery process.
  • Perform other duties as assigned to support the growth and development of Koolboks.

Qualifications & Skills

  • Bachelor's degree in Finance, Business Administration, Accounting, or a related field
  • Minimum of 3-5 years of experience in credit operations, consumer lending, or financial services.
  • Proven track record in credit collections, process management, and repayment monitoring.
  • Strong analytical and problem-solving abilities with attention to detail.
  • Proficiency in CRM and financial management software (e.g., Salesforce, Zoho, QuickBooks, or similar).
  • Excellent communication, leadership, and stakeholder management skills.
  • High integrity, accountability, and commitment to operational excellence.

What We Offer

  • Opportunity to build and refine the credit operations framework in a growing energy-tech company.
  • A collaborative, innovative, and mission-driven work environment.
  • Competitive compensation and professional development opportunities.