Vacancy title:
Consultant – Credit Operations Expert

[Type: FULL_TIME, Industry: Finance, Category: Admin & Office]

Jobs at:
Pezesha

Deadline of this Job:
Monday, June 30 2025

Duty Station:
kampala | Kampala | Uganda

Summary
Date Posted: Tuesday, June 10 2025, Base Salary: Not Disclosed

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JOB DETAILS:

Role overview

• Pezesha is a fast-growing digital credit provider and financing platform focused on serving underserved SMEs in Kenya and Uganda. As we continue to scale our impact and improve our credit processes, we are seeking ato lead critical enhancements to our lending and risk management operations across both markets.
• full-time Credit Operations Consultant
• This is a, with thebased on performance and evolving business needs.
• potential for renewal
• 12-month full-time consulting contract

Objectives & Responsibilities

• Assess existing credit risk policies, provisioning, waivers, and write-off frameworks, against best practices, identifying gaps
• Develop risk mitigation strategies and provide guidance on regulatory compliance and portfolio management
• Review and optimize credit and collections processes, ensure operational efficiency in disbursements, credit management and collections and identify gaps
• Assess and mitigate against fraudulent practices within Credit Operations, data and technology team (processes)
• Monitor trends and key performance indicators (KPIs) within digital lending workflows to identify and address bottlenecks
• Conduct regular performance reviews of the lending portfolio, including metrics such as repayment rates, delinquency trends, and portfolio yield
• Conduct competitive analysis, identify market gaps, and provide insights to inform credit product development
• Collaborate with Senior Credit Risk Consultant to support improvements to credit operations, risk management, and collections
• Join the credit committee and offer insights based on weekly performance reviews to enhance the overall loan book performance
• Maintain comprehensive documentation and reporting for audits and regulatory reviews.
• Review underwriting and loan origination risk management framework, identify areas for improvements and provide recommendations that align with business objectives and risk tolerance
• Ensure credit and collections processes are synchronized

Deliverables

• Comprehensive gap report of existing credit processes from origination to collections
• An updated credit policy with underwriting and portfolio management guidelines
• Risk mitigation strategy designed and integrated into credit processes to support portfolio quality
• Recommendations provided for improved credit scoring models, risk management strategies, and collections processes based on data analysis
• Training materials developed and sessions conducted for internal teams on enhanced credit operations and risk management processes
• Guide the implementation of the updated policies and recommendations across the relevant credit teams
• Success in this role will be measured by improvements in portfolio performance metrics (e.g., reduction in PAR 30+, increase in collections efficiency, and overall loan book growth)

Qualifications

• Bachelor’s or Master’s degree in Actuarial Science, Finance, Business or a related field
• At least 7 years of managing credit operations and credit risk for lending institutions
• Expert knowledge of credit underwriting, loan servicing, and risk management processes
• Strong understanding of credit-decisioning models and credit process automation
• Prior experience in leadership roles in credit operations and credit risk management
• Excellent communication, analytical and presentation skills with the ability to convey complex technical concepts to non-technical stakeholders
• Ability to collaborate effectively with cross-functional teams and external partners to achieve project objective
• Knowledge of financial regulations in the lending and financial services sectors
• Has practical experience working for bank, SME lender and/or digital lender
• Track record of optimizing loan book performance through credit policy refinements and risk management strategies

Work Hours: 8

Experience in Months: 84

Level of Education: bachelor degree

Job application procedure
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