Credit Portfolio Officer at SupaMoto

Emerging Cooking Solutions (Zambia) Limited, trading as “SupaMoto”, is a Zambian/Swedish joint venture, introducing clean burning modern cook-stoves, renewable cooking fuel pellets made from waste biomass and solar home systems. Our locally produced pellets are cheaper than charcoal and the cooking solution performs similar to a gas stove. Our solar home systems have a built in Pay as You Go (PAYGO)-mechanism and almost all payments for our products are made through Mobile Money. Our company is growing rapidly since our solution is unique and we are one of the first movers on a virgin market for renewable home energy.

The positive environmental, socio-economic and macro-level impact of our solutions is immense. We truly have a solution for the dilemma of rapid deforestation and disproportionately high cooking fuel costs for low-income people.

Job Description: Credit Portfolio Officer

Position Summary:

Credit Portfolio Officer drive a rigorous research process combined with advanced quantitative analysis to make informed risk decisions across converts, performing credit and distressed credit opportunities. Successful Portfolio Officer are able to build and manage strong and dynamic portfolios while working closely with other managers and repossession team members.

Primary Duties and Responsibilities:

• Provide objectivity to the Credit approval process.
• Manage a portfolio of Credit and/or Convertibles securities in accordance with established trading and risk parameters.
• Develop and execute a clear and disciplined investment process that produces strong ideas and demonstrates sustainable and repeatable performance.
• Ensure adherence to Credit policy, guidelines and regulatory requirements.
• Handle data entry for clients on PayGo.
• Provide ongoing coaching and support for credit analyst
  Effectively monitor portfolio for revenue opportunities and/or loan exposure.
• Responsible for credit analysis, proper loan structuring and overall sales efforts in areas.
• Establish and maintain relationships with current and prospective clients. Leverage customer knowledge to proactively identify and recommend opportunities to cross-sell additional credit products to clients.
• Work with clients to modify and/or restructure existing PayGo as needed.
• Help resolve credit problems, delinquent payment issues, and other related affairs.
• Participate in evaluating risk rating and make revision recommendations.
• Prepare PayGo activity reports for management.

Qualifications/Skills and Knowledge Requirements:

• Bachelor’s degree from four-year college or university
• Knowledge of credit policies and standards and lending and lending policies and procedures.
• Strong business and financial knowledge and understanding of Credit Portfolio responsibilities
• Working knowledge of Microsoft Office.
• Developed analytical and underwriting expertise, credit quality focus.
• Formal credit training is a plus.