Portfolio Manager Jobs

Title: Portfolio Manager

Reports to: Head of Portfolio

Location: Dakar, Senegal

Who we are:

Bboxx is a super platform, transforming lives and unlocking potential by providing access to essential products and services across Africa.

Bboxx has built a fully integrated operating system Bboxx Pulse®, backed by an extensive on-the-ground network to provide goods, services and utilities across Africa. We offer African households, businesses and communities a highly convenient and affordable way to access life-changing solutions, through last mile logistics and data-powered innovative financing methods.

Bboxx is championing the economic development of Africa, accelerating the transition to the digital economy and creating new markets. We are connecting both underserved rural communities and aspiring urban ones with services including clean energy, clean cooking, smartphones, and loans, enabling African consumers to unlock their potential. Bboxx is positively impacting the lives of more than 2.5 million people in 11 markets, directly contributing to 11 of the 17 United Nations Sustainable Development Goals.

Bboxx has over 3,000 staff across Africa and offices in the UK and China.

The role

Bboxx Cote d’Ivoire/Senegal Head of Portfolio is looking for a second in command who will own the execution of the portfolio strategies to minimize credit risk and meet cash collections targets from customers. The role will drive the identification, development and implementation of initiatives to drive sustainable growth.

The successful candidate has an entrepreneurial mindset that thrives in a start-up environment, a creative strategist with excellent organizational abilities and proven people leadership experience having a large team to manage.

The role spans collaborative work with other departments to achieve company and unit KPIs, policy definition and implementation through piloting of initiatives and customers/sales incentives, in-life data-driven customer channel management.

The ideal candidate is someone able to structure and implement solid plans (initiatives, campaigns, promotions) to drive performance within the dept and across other depts (especially sales and customer service), leveraging data to identify the levers to prioritize to achieve the expected targets. Leveraging on market insights the candidate should be able to define pilots that are to be tested and assessed before scaled-up across the customers.

Main Responsibilities

• Proactively and sustainably manage and monitor credit risk at both a portfolio and a customer account level in line with the company's risk appetite and targets
• Achieve portfolio quality, cash-flows and cost KPIs
• Manage best-in-class operations, with efficient and effective organizational structures, tools, standards and systems aligned with the Group structure

Deliverables and Activities

Strategy, Analytics & Innovation

Lead the development of the cross-functional Credit Performance Management Dashboard and action plans

Consolidate quantitative and qualitative inputs from our customers and other sources to fully understand the repayment performance of our customers.

Design and implement A/B tests to identify the most powerful ways we can improve customer repayment behavior

Structure and implement customer insight research projects, such as mapping the financial lives of households, to deepen our understanding of what drives repayment behaviors

Use the data insight from the above to scale any that are effective in improving customer repayment patterns

Credit Risk Monitoring & Management

Monitor, assess, and anticipate credit risk across the portfolio, and proactively and sustainably manage credit risk exposure in line with Bboxx Africa strategy and targets.

Identify key contributors to low performance and create action plans for improvement.

Scalable Credit Operations

Implement and manage the systems, tools, structures, team and processes needed to support a highly effective and efficient credit operation that can serve hundreds of thousands of customers, localizing Bboxx Group policies wherever possible

Build effective, user- and field-friendly systems, processes, and tools that the teams need to make the largest and most cost efficient impact possible on customer repayment patterns

Improve the way we collect ongoing quantitative and qualitative data for each customer interaction to gain richer insight into their experience and repayment behavior

Monitor and optimize the cost of loan servicing to strike the right balance between effectiveness and cost efficiency

Team Building & Management

Manage the team and day to day operations

Mentor the team to continuously build their critical thinking and execution skills so that they can maximize their contributions

Required Qualifications

Bachelor's degree

5 years minimum work experience, at least 2 of which was in a role which involved people management

Demonstrated ability to manage projects and teams, especially in a high-growth and performance-driven environment

High level of comfort working with data, with the ability to translate analysis to insights, and insights to action

Good English communication skills

Microsoft Office proficiency (word/excel/ppt/slides),

Commitment to spending time in the field

Highly Desired Qualifications

Experience with customer segmentation and customer profiling / personas

Experience in process development and improvement (Six Sigma, etc.)

Experience in design thinking (a.k.a. human-centered design)

Prior experience living and working in Southern, West or East Africa

Data systems and CRM: strong experience with Power BI/data visualization software

At Bboxx, we celebrate our differences, and recognize the strength in the diversity of our people. We are a global employer who believe in providing opportunities for all its employees to unlock their potential regardless of background, age, sex, race, religion, or personal beliefs.

We look to recruit individuals from all different backgrounds and encourage you to apply to roles you are passionate about, even if you need help from us to develop your skills. We strive to create an inclusive environment and regularly celebrate the diversity of our people through events arranged by our Culture Committee. Bboxx provides a workplace where you can be your authentic self and focus on our mission of transforming lives through access to energy!