Credit Manager - PayGo Phones

What you will be expected to do:

• Review portfolio performance to identify customers showing early signs of repayment difficulties through data review and direct field engagement.
• Track portfolio risk indicators and ensure timely escalation and visibility.
• Produce consistent and accurate portfolio performance and risk indicator reports.
• Monitor regional, area, and product-level trends and recommend corrective actions to address emerging risk exposures.

• Carry out internal reviews to identify gaps across credit-related processes, including underwriting, collections, onboarding, repossession, and customer detail updates.
• Confirm alignment with internal policies and regulatory requirements.
• Document findings clearly and outline practical risk mitigation actions.

• Apply preventative collection approaches, including KYC and onboarding practices that enhance customer quality.
• Design and roll out field-informed collection approaches in partnership with field teams to improve recovery outcomes.
• Evaluate existing policies and their portfolio impact, proposing updates informed by market conditions and field insights.
• Improve portfolio segmentation by aligning customer buckets with appropriate ownership models and recommending adjustments where required.

• Oversee field pilots to ensure they are tracked, documented, and measured against defined success criteria through engagement with relevant teams.

• Ensure reported fraud cases are reviewed promptly and resolved within established timelines.

• Compile structured field reports covering data summaries, operational observations, and process documentation.
• Maintain consistency and accuracy in risk and portfolio performance reporting.
• Conduct market and sector research and translate findings into recommendations that strengthen Sun King’s market position across sales and collections.

You might be a strong candidate if you have:

• Bachelor’s degree in Finance, Risk Management, or a related business discipline.
• 10+ years of relevant experience within credit, risk, audit, or data-focused functions, including at least 5 years in a people or operational oversight capacity.
• Professional certification in Credit Management, Statistics, Data Science, Computer Science, or a related field is an advantage.
• Practical exposure to data gathering and field-based assessments.
• Strong planning, organisation, and attention to detail.
• High adaptability, flexibility, and comfort operating in dynamic environments.
• Structured problem-solving approach with the ability to translate complex issues into practical actions.
• Ability to guide teams and influence operational improvements through clarity and direction.
• Clear and assured written and verbal communication skills.
• Strong stakeholder engagement skills, with the ability to work constructively across teams.
• Willingness to spend approximately 70% of time in the field.
• Demonstrates discretion, ethical judgment, and appropriate handling of restricted information.

What Sun King offers

• Professional growth in a dynamic, rapidly expanding, high-social-impact industry
• An open-minded, collaborative culture with enthusiastic colleagues driven by the challenge of innovation and making a profound impact on people and the planet.
• A truly multicultural experience: you will have the chance to work with and learn from people from different geographies, nationalities, and backgrounds.
• Structured, tailored learning and development programs that help you become a better leader, manager, and professional through the Sun King Center for Leadership.

About
Sun King is the world’s leading off-grid solar energy company, combining cutting-edge product design, fintech, and field operations to deliver energy access for the 1.8 billion people who live without an affordable and reliable electric-grid connection.Sun King has built a new kind of energy utility: distributed, green, customer-centric, and affordable. We bring clean, reliable, decentralized energy directly into people’s lives — from solar kits that provide first-time energy access to multi-kilowatt systems that serve both off-grid users and grid-connected customers powering larger homes, schools, hospitals, farms, offices, and light manufacturing.Already, 25 million homes and businesses rely on Sun King for electricity supply and the appliances and services it enables: lighting, televisions, fans, refrigeration, and smartphones. Sun King combines energy generation, energy-efficient appliances, installation, and financing into one seamless offering. Think of it as a distributed utility, designed for wherever energy is needed and designed to scale with its users as incomes and energy needs grow.Sun King makes solar products affordable to low-income households and businesses via ‘pay-as-you-go’ (PAYG) purchase financing. Sun King installs solar after customers pay a small deposit. Customers then make small, manageable payments of as little as US $0.14 a day via mobile money or cash.Instead of paying for expensive, polluting, and health-damaging kerosene for lighting or diesel for power, customers unlock savings through accessing solar power and after one to two years of payments, customers own their solar equipment outright.Sun King collects payments digitally through mobile money systems and its 35,000 field agents — over 1 million payments each day. To date, Sun King has extended more than $1.4 billion in PAYG loans to customers.Sun King began by powering homes and businesses with solar systems delivered through PAYG financing. Now, we’re using the same model to make smartphones and clean cooking equipment affordable: helping households connect to the digital economy and transition from wood-based fuels to modern, sustainable alternatives.Sun King employs 3,500 full-time staff in 14 countries, with specialties spanning product design, data science, logistics, customer service, sales, software, operations, and more — all with a passion to serve off-grid families. Sun King is committed to gender diversity in the workplace. Women represent 42% of Sun King’s workforce.