Credit Manager
Content + Source + Freshness • 12 Dec 2025 • 95% confidence
Offer value
High value due to a significant role in a strategic area of the business, coupled with extensive experience requirements.
- Strategic role in enhancing credit operations across multiple departments
- Focus on continuous improvement in a dynamic field
- Requires extensive experience in credit management
- Fieldwork is essential
Pros
- Strategic position within a critical business segment
- Opportunity to improve credit operations across multiple teams
- Demand for diverse skills in leadership and operational management
Cons
- High experience requirements limit eligibility
- Potentially high-stress environment due to responsibility
- Fieldwork expectations may not suit all candidates
Who it's for
Senior-level • Field-based management
Good fit
- Credit professionals with significant experience
- Leaders in operational management
- Individuals enthusiastic about process improvement
Not recommended for
- Candidates new to credit management
- Those preferring a fully office-based role
- Individuals without experience managing teams
Motivation fit
Key skills
About the job
Job Description
Position Description:
The Credit Manager is responsible for the design, planning, management and implementation of key credit initiatives in customer-facing departments: Sales, Customer Experience, Field Collections & Aftersales. The Credit Manager supports the customer-facing departments to achieve respective credit-related targets; and manages the field collection team activities. Supports & guides Management in continuous improvement of credit operations.
Supports customer-facing teams in the implementation of credit strategy with the focus on achieving credit risk & collections targets.
Oversee the roll out of improvements to credit operations aimed at enhancing credit risk assessment, monitoring & management. This includes development, documentation, communication & rollout of projects for key initiatives, driving implementation in the field, and coordinating assessment against agreed success metrics & KPIs.
Provide general support and guidance to the General Manager and local Heads of Departments in implementation of credit initiatives.
With support from relevant Training Managers, draft training plans, materials & improved procedure documents. Supports the execution of training to all relevant stakeholders.
Provide day-to-day operational management of the Field Collections function.
Prepares regular updates & reports on projects & performance for the General Manager, the Global Credit Operations Manager & the Director of Credit Risk & Collections.
Support the rollout of new Technology tools, Data & BI Dashboards and features that impact the Field Collections Team. Provide up-to-date feedback and suggestions for continuous improvement.
Required to do regular fieldwork; mostly within Tanzania, but also across other d.light operating countries.
Key Performance Indicators
Early Risk
Usage Rate
Portfolio at Risk
% Paid @ Milestones.
Win back Rate
Cash Collected.
Requirements
5+ years work experience within the PAYGO industry, with working knowledge of credit management, collections operations and last-mile PAYGo sales best-practices.
Relevant degree or equivalent qualification
Excellent interpersonal skills in managing cross-functional teams to deliver complex projects.
Excellent written and verbal communication skills for coordinating across teams.
Fluency with computer applications, preferrably the Google Suite (Slides, Docs, Sheets)
Autonomy and initiative; ability to achieve results with little supervision.
Critical thinking, creativity and initiative to take decisions on-the-spot.
Fluency in English & Swahili
