Hybrid Credit Manager – PayGo Phones

at Greenlight Planet

• Job title: Credit Manager – PayGo Phones
• Job type: Full Time
• Experience level: Senior, Lead
• Salary: Not specified
• Degree requirement: Bachelor's Degree
• Location requirements: Hybrid, Lusaka, Zambia

About the role

• Credit Manager overseeing credit and related risk areas within the PAYGo business in Zambia. Maintaining effective credit risk controls and operational practices to strengthen portfolio quality and regulatory adherence.

Responsibilities

• Review portfolio performance to identify customers showing early signs of repayment difficulties through data review and direct field engagement.
• Track portfolio risk indicators and ensure timely escalation and visibility.
• Produce consistent and accurate portfolio performance and risk indicator reports.
• Monitor regional, area, and product-level trends and recommend corrective actions to address emerging risk exposures.
• Carry out internal reviews to identify gaps across credit-related processes, including underwriting, collections, onboarding, repossession, and customer detail updates.
• Confirm alignment with internal policies and regulatory requirements.
• Document findings clearly and outline practical risk mitigation actions.
• Apply preventative collection approaches, including KYC and onboarding practices that enhance customer quality.
• Design and roll out field-informed collection approaches in partnership with field teams to improve recovery outcomes.
• Evaluate existing policies and their portfolio impact, proposing updates informed by market conditions and field insights.
• Oversee field pilots to ensure they are tracked, documented, and measured against defined success criteria through engagement with relevant teams.
• Ensure reported fraud cases are reviewed promptly and resolved within established timelines.
• Compile structured field reports covering data summaries, operational observations, and process documentation.
• Maintain consistency and accuracy in risk and portfolio performance reporting.
• Conduct market and sector research and translate findings into recommendations that strengthen Sun King’s market position across sales and collections.

Requirements

• Bachelor’s degree in Finance, Risk Management, or a related business discipline.
• 10+ years of relevant experience within credit, risk, audit, or data-focused functions, including at least 5 years in a people or operational oversight capacity.
• Professional certification in Credit Management, Statistics, Data Science, Computer Science, or a related field is an advantage.
• Practical exposure to data gathering and field-based assessments.
• Strong planning, organisation, and attention to detail.
• High adaptability, flexibility, and comfort operating in dynamic environments.
• Structured problem-solving approach with the ability to translate complex issues into practical actions.
• Ability to guide teams and influence operational improvements through clarity and direction.
• Clear and assured written and verbal communication skills.
• Strong stakeholder engagement skills, with the ability to work constructively across teams.
• Willingness to spend approximately 70% of time in the field.
• Demonstrates discretion, ethical judgment, and appropriate handling of restricted information.

Benefits

• Professional growth in a dynamic, rapidly expanding, high-social-impact industry
• An open-minded, collaborative culture with enthusiastic colleagues driven by the challenge of innovation and making a profound impact on people and the planet.
• A truly multicultural experience: you will have the chance to work with and learn from people from different geographies, nationalities, and backgrounds.
• Structured, tailored learning and development programs that help you become a better leader, manager, and professional through the Sun King Center for Leadership.