Head of Credit Operations
Head of Credit Operations
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Job Description
Head of Credit Operations @ Autochek
About the Company
AutoChek is 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 1500 dealers and workshops and more than 70 banking partners AutoChek enhances Africas automotive commerce ecosystem.
About the Role
The 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 Responsibilities
Profit & Loss Ownership:
- Manage the incountry 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 datadriven 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 Requirements
Analytical & 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 multifaceted 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 Offer
Competitive 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.
- Handson experience in leading a highperforming team in a fastpaced evolving market.
Learning & Development:
- Continuous learning opportunities through challenging projects that drive innovation and strategic thinking.
- Exposure to cuttingedge technology and datadriven 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.
Employment Type
Full Time
