Credit Manager, Customer Management and Cross Sell Strategy

About the Role:

Apollo is seeking an experienced and analytically driven professional to lead the customer management and cross sell strategy of our credit and financing products for small scale farmers. The Credit Manager, Customer Management is accountable for improving the profitability of the portfolio by increasing repeat usage, renewal rate and average ticket sizes while managing credit risk. As we expand as a business, the manager will also be accountable for growing the credit organization within the company and be able to manage and retain top talent.

Your Day to Day:

• Customer Management Policy: Maximize portfolio profitability and size by optimizing renewal and cross-sell eligibility policy, and product terms (line, price etc.) 
• Customer Retention: Improve processes and products to maximize customer retention and renewal
• Develop Cross Sell Products: Develop customer relevant credit products enabling customers to engage with Apollo throughout the year
• Fraud and Loss Reduction: Develop and implement strategies to substantially reduce fraud loss and credit loss within the portfolio
• Monitoring and Control: Develop and maintain a monitoring framework for portfolio performance by developing and tracking relevant metrics within proposed control limits. Ensure intent meets execution by developing and maintaining an implementation monitoring and control framework. 
• User Research: Identify and execute user research through in-person visits and surveys for target consumers (farmers) to inform the policy design
• Cross Functional Collaboration: Work with our collections, acquisition, product, logistics & distribution, sales, and customer support teams to ensure that all systems support smooth implementation and launch of strategies
• Team Development: Develop the credit team by identifying, recruiting and retaining great talent and be accountable for the team’s and team member’s growth and development. 
• Learning agenda and experiments: Drive the credit risk learning agenda by ensuring relevant design of experiments and control of experimentation risk and budget. 

You:

•  
• Are a data-driven problem solver with experience in using data science and AI to underwrite consumers and make business decisions to optimize profit
• Are proficient with SQL and have experience in using data analysis tools (Python, R or SAS), segmentation tools and decision trees to build strategies
• Are a professional with advanced knowledge of credit and risk management with 8-15 years of relevant experience:
• Must have experiencein managing a consumer lending portfolio and credit risk for underserved or low-income consumers
• Must have experience in developing or optimizing credit products (credit cards, line of credit, personal loans etc.) for retail consumers
• Experience in loss forecasting and developing PD, LGD and EAD models for provisioning is a plus
• Possess exceptional skillleading, developing, and managing high performing teams, with a minimum of 3 years of leadership/managerial experience
• Are an exceptional communicator with the ability to communicate complex information and analytical strategy effectively and efficiently      
• Are an exceptional leaderthat can influence without authority
• Have a graduate degree in courses requiring and developing analytical problem solving and mathematical ability (e.g., engineering, statistics, mathematics, economics etc.)