Job title: Head of Credit Operations
Company: TALENT by venstrap
Job description: Head of Credit Operations @ AutochekAbout the Companyis an automotive technology company building infrastructure to make car ownership more accessible and affordable across Africa. Operating in nine countries throughout East, West, and North Africa, with a partner network of over 1,500 dealers and workshops, and more than 70 banking partners, AutoChek enhances Africa’s automotive commerce ecosystem.About the RoleThe Head of Credit Operations is responsible for overseeing and optimizing the credit functions of AutoChek Financial Services in Nigeria. This role involves developing strategic plans for effective credit management, managing the full spectrum of credit processes (from originations to collections and repossessions), and ensuring profitability within their risk framework. You will drive operational excellence and serve as the key liaison between local operations and corporate headquarters.Key ResponsibilitiesProfit & Loss Ownership:
- Manage the in-country P&L, ensuring profitability through effective financial and performance monitoring.
Credit Operations Oversight:
- Develop and execute comprehensive credit strategies covering originations, underwriting, collections, repossessions, and disposal.
- Build and maintain partnerships with external financing entities to meet SLAs and drive channel growth.
Operational Excellence & Risk Management:
- Drive continuous improvement through data-driven decision making and proactive risk mitigation.
- Monitor KPIs and implement corrective actions to meet performance targets.
Team Leadership & Stakeholder Engagement:
- Lead, mentor, and develop the credit operations team.
- Represent the company at industry events, fostering strong relationships with key stakeholders.
Competency & Skill RequirementsAnalytical & Financial Acumen:
- Expertise in credit risk analysis, portfolio management, and financial planning, including pricing and expense control.
Leadership & Strategic Vision:
- Proven leadership in dynamic environments with the ability to inspire teams and drive strategic initiatives.
- Strong organizational skills and experience managing complex, multi-faceted operations.
Communication & Negotiation:
- Exceptional verbal and written communication skills, with a strong track record in stakeholder engagement and negotiation.
Technical Proficiency:
- Advanced data management and visualization skills using MS Suite; familiarity with Tableau or Power BI is a plus.
- A proactive approach to adopting technology for enhanced operational efficiency.
Risk & Change Management:
- Ability to balance risk and profitability while implementing effective risk controls and managing change.
What They OfferCompetitive Benefits:
- An attractive compensation package that reflects the strategic importance of this role.
Professional Growth:
- Opportunities to develop advanced management strategies, financial analysis skills, and operational excellence.
- Hands-on experience in leading a high-performing team in a fast-paced, evolving market.
Learning & Development:
- Continuous learning opportunities through challenging projects that drive innovation and strategic thinking.
- Exposure to cutting-edge technology and data-driven decision making, ensuring you stay ahead in the industry.
Dynamic Work Environment:
- A collaborative culture that values entrepreneurial spirit and innovation.
- An opportunity to work with a global leader in automotive financial services, where your contributions make a real impact.
Expected salary:
Location: Lagos, Lagos State
Job date: Wed, 09 Apr 2025 22:26:47 GMT