Vacancy title:
Credit Risk Analyst

Jobs at:

Deadline of this Job:
28 February 2023  

Summary
Date Posted: Thursday, February 16, 2023 , Base Salary: Not Disclosed

JOB DETAILS:

Job Title: Credit Risk Analyst 

Department: Global Customer Finance

Reporting Line: Head of Credit Risk 

Location: Benin, Côte D'Ivoire, Nigeria, Tanzania, Kenya, Uganda, Rwanda, Zambia, Mozambique or Berlin

Travel: 15% to 30% business travel to (other) EEA countries of operations.

Job Grade:  14

About ENGIE Energy Access 

ENGIE Energy Access is one of the leading Pay-As-You-Go (PAYGo) and mini-grids solutions provider in Africa, with a mission to deliver affordable, reliable and sustainable energy solutions and life-changing services with exceptional customer experience. The company is a result of the integration of Fenix International, ENGIE Mobisol and ENGIE PowerCorner; and develops innovative, off-grid solar solutions for homes, public services and businesses, enabling customers and distribution partners access to clean, affordable energy. The PAYGo solar home systems are financed through affordable installments from $0.19 per day and the mini-grids foster economic development by enabling electrical productive use and triggering business opportunities for entrepreneurs in rural communities. With over 1,700 employees, operations in 9 countries across Africa (Benin, Cote d’Ivoire, Kenya, Mozambique, Nigeria, Rwanda, Tanzania, Uganda and Zambia), over 1.5 million customers and more than 8 million lives impacted so far, ENGIE Energy Access aims to remain the leading clean energy company, serving millions of customers across Africa by 2025.  

www.engie-energyaccess.com 

Job Purpose/Mission  

With ENGIE Energy Access (EEA) selling the lion’s share of its products on credit to hundreds of thousands of individual customers every year, EEA’s Customer Finance function plays a key role in the success of the business.  

The position sits within the Global Customer Finance team and supports all EEA markets to manage the customer’s financial services journey and the credit cycle to deliver positive commercial outcomes and a positive customer experience.   

The Credit Risk Analyst position is an exciting opportunity to play a key role in advancing EEA’s approach to credit risk management. The job holder will support the Global Customer Finance Function, specifically the Credit Risk Team, to further develop the digital tools (i.e. Tableau dashboards) to monitor credit risk in all EEA countries of operations. These tools will then constitute the basis for running the monthly credit risk management routines pivoted around the Countries’ Credit Risk Committee Meetings. The position further entails supporting the analysis of the portfolio management data generated through EEA customer relationship management database, help visualize the analytical insights and assist in the implementation of follow-up actions stemming from the credit risk analyses. 

The position works in close collaboration with the other members of the Global Customer Finance team, especially Credit Risk and Data Analytics, as well as with the countries’ Customer Finance, Commercial, Customer Experience teams and the EEA Global Digital Team. 

Responsibilities

Credit Risk Monitoring, Analysis and Reporting

• Support the development of live Tableau Dashboards monitoring Credit Risk in EEA markets of operations.
• Help in interpreting and placing the individual analyses in the bigger picture of country credit risk performances and derive conclusions.
• Support the development and transfer on Tableau of the countries’ Credit Risk Reports.

Credit Risk Management Routines

• Help organize and run the countries’ Credit Risk Committee Meetings.
• Support the local teams to implement the follow-up actions (e.g. portfolio analyses, adjustment or strengthening of credit management routines, etc.) emerging from the Credit Risk Committee meetings.
• Ensure that country stakeholders have access to credit risk monitoring tools and this information is used to inform decision making and action plans.
• Collaborate with stakeholders to identify areas for improvement and potential for innovation in our processes, standards, tools, etc.

Knowledge Sharing & Capacity Development Support.  

• Provide support on training and communication on credit risk policy standards, tools and best practices to country teams across multiple departments and levels of the business.
• Support the development and delivery of credit risk training content for MySol Academy or other credit-related training initiatives.
• Where appropriate, provide country teams and Global CF with insights and recommendations coming from analysis of reports and monitoring tools to give important context, inform decisions and action plans.
• Document and share credit risk management best practices and insights from across our network of country operations and global teams.

Stakeholder Management

• Serve as a main point of contact for countries’ Head of Customer Finance departments in the preparation and follow-up of the countries’ Credit Risk Committee meetings.
• Work with country and global Customer Finance departments to build and maintain a strong credit culture across EEA.
• Contribute to the overall strategy and priorities of EEA Customer Finance and country-specific strategies (in some cases, leading or guiding this process) related to Credit Risk Management.
• Provide practical input to country and global credit operations strategy & standards development.

Knowledge and skills 

Experience & Aptitudes:

• 2 to 4 years of professional experience in a related field; work experience in Sub-Saharan Africa in the off-grid energy sector is a plus.
• 1 to 2 years of experience in credit-related credit risk management, credit operations, or other areas related to commercial lending and credit portfolio management is desired.
• Can-do attitude, with a knack for problem solving and tackling big challenges that require both team collaboration and individual perseverance.
• Keen analytical skills; ability to combine hard data and observations on operational realities to then translate them into actionable insights.
• High level of professional curiosity; high level of interest in how to make processes and systems work to their best level.
• Strong and confident communicator who is equally capable of asking for support and guidance as well as sharing feedback, information and knowledge with others.
• Detail-oriented, with an ability to help others check their work and maintain a high level of quality.
• Empathy and stamina in collaboration with a broad range of stakeholders including customer-facing teams, leaders and managers across various business functions and units, and across a variety of cultural contexts.
• Familiarity with the nature of our customer base and the challenges faced by our customer-facing teams.

Qualifications:

• Diploma or degree required. Degree in economics, finance, microfinance, business, data analytics or a related subject is preferred.
• Certification in a relevant topic (e.g. data analytics, credit risk management, project management) is a plus.

Language(s): 

• English
• French & Portuguese is a plus

 Technology:

• Proficiency with standard Microsoft Office software packages (especially Word, PowerPoint, Excel).
• Advanced familiarity, and desire to expand knowledge, of SQL and Tableau or other data visualization tools is required.

We thank all applicants for their interest, however due to the large volume of applications we receive, only shortlisted candidates will be contacted. 

ENGIE is an equal opportunity employer, promoting diversity and committed to creating an inclusive environment for all. All applications are screened based on business needs, job requirements and individual qualifications, without any regard to origin, age, name, sexual identity, orientation or preference, religion, marital status, health, disability, political opinions, union involvement or citizenship. Our differences are our strengths! 

Work Hours: 8

Experience in Months: 12

Level of Education: Postgraduate Degree

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