Reports to: Group Head of Credit

Location: Group Bboxx HQ – Kigali, Africa

Who we are:

Bboxx is a data-driven super platform, transforming lives and unlocking potential by connecting consumers and deploying innovative products across Africa.

Bboxx is championing the economic empowerment of Africa, accelerating the transition to the digital economy and creating new markets. We have built Bboxx Pulse®, a fully integrated operating system, and combined it with an extensive on-the-ground network to connect customers with clean energy, clean cooking, smartphones, e-mobility and selected financial products – many for the first time.

We are connecting both underserved rural communities and aspiring urban ones with a highly convenient and affordable way to access life-changing solutions, through last mile logistics and data-powered innovative financing methods. We offer our services on a pay-as-you-go basis to households, businesses, and communities, enabling African consumers to unlock their potential.

We build strategic partnerships with investors, utilities providers, global companies, and governments to accelerate growth and provide a wide range of products to consumers in Africa. Our partners are seizing a massive market opportunity by plugging into Bboxx – developed through green tech and big data and designed for scale.

Following the successful acquisition of solar energy frontrunner PEG Africa in 2022, Bboxx is now positively impacting the lives of more than 3.5 million people in 10 operating markets, directly contributing to 11 of the 17 United Nations Sustainable Development Goals. Bboxx and its group of companies is one of the largest networks in Africa, with over 4,000 staff across Africa and offices in the UK and Asia.

Role Brief:

Bboxx is looking for a skilled analyst who will support the execution of the portfolio strategies to minimize credit risk and meet cash collections targets from customers. The role will drive the identification, development and implementation of initiatives to drive sustainable growth.

The successful candidate has an entrepreneurial mindset that thrives in a start-up environment, a creative strategist with excellent organizational abilities.

The role spans collaborative work with other departments to achieve company and unit KPIs, policy definition and implementation through piloting of initiatives and customers/sales incentives, in-life data-driven customer channel management.

The ideal candidate is someone able to structure and implement solid plans (initiatives, campaigns, promotions) to drive performance within the dept and across other depts (especially sales and customer service), leveraging data to identify the levers to prioritize to achieve the expected targets. Leveraging on market insights the candidate should be able to define pilots that are to be tested and assessed before scaled-up across the customers.

What you can expect to be doing:

Proactively and sustainably manage and monitor credit risk at both a portfolio and a customer account level in line with the company’s risk appetite and targets.

Manage best-in-class operations, with efficient and effective organizational structures, tools, standards and systems aligned with the Group structure.

Achieve portfolio quality, cash-flows and cost KPIs.

Key deliverables:

Strategy, Analytics & Innovation

• Lead the development of the cross-functional Credit Performance Management Dashboard and action plans
• Consolidate quantitative and qualitative inputs from our customers and other sources to fully understand the repayment performance of our customers.
• Design and implement A/B tests to identify the most powerful ways we can improve customer repayment behavior
• Structure and implement customer insight research projects, such as mapping the financial lives of households, to deepen our understanding of what drives repayment behaviors
• Use the data insight from the above to scale any that are effective in improving customer repayment patterns

Credit Risk Monitoring & Management

• Monitor, assess, and anticipate credit risk across the portfolio, and proactively and sustainably manage credit risk exposure in line with Bboxx Africa strategy and targets.
• Identify key contributors to low performance and create action plans for improvement.

Scalable Credit Operations

• Implement and manage the systems, tools, structures, team and processes needed to support a highly effective and efficient credit operation that can serve hundreds of thousands of customers, localizing Bboxx Group policies wherever possible
• Build effective, user- and field-friendly systems, processes, and tools that the teams need to make the largest and most cost efficient impact possible on customer repayment patterns
• Improve the way we collect ongoing quantitative and qualitative data for each customer interaction to gain richer insight into their experience and repayment behavior
• Monitor and optimize the cost of loan servicing to strike the right balance between effectiveness and cost efficiency

Qualifications

• 5 years minimum work experience, at least 2 of which was in a role which involved people management
• Demonstrated ability to manage projects and teams, especially in a high-growth and performance-driven environment
• High level of comfort working with data, with the ability to translate analysis to insights, and insights to action
• Good English communication skills
• Microsoft Office proficiency (word/excel/ppt/slides),
• Commitment to spending time in the field

Bonus experience if you have it:

• Experience with customer segmentation and customer profiling / personas
• Experience in process development and improvement (Six Sigma, etc.)
• Experience in design thinking (a.k.a. human-centered design)
• Data systems and CRM: strong experience with Power BI/data visualization software

At Bboxx, we celebrate our differences, and recognize the strength in the diversity of our people. We are a global employer who believe in providing opportunities for all its employees to unlock their potential regardless of background, age, sex, race, religion, or personal beliefs.

We look to recruit individuals from all different backgrounds and encourage you to apply to roles you are passionate about, even if you need help from us to develop your skills. We strive to create an inclusive environment and regularly celebrate the diversity of our people through events arranged by our Culture Committee. Bboxx provides a workplace where you can be your authentic self and focus on our mission of transforming lives through access to energy!