The VP Credit and Risk Management at Izili is responsible for designing and executing Izili’s credit, portfolio risk, and recovery strategy across all markets. The role ensures that Izili’s growth is supported by a resilient credit framework, data-driven decision-making, and disciplined portfolio management.
The position combines strategic leadership, advanced analytics, and operational rigor to maintain a sustainable PAYGO business model while expanding financial inclusion across multiple geographies.
The Vice President, Credit & Risk Management is also a member of the Izili Group Executive Committee (ExCo) and contributes to strategic decision-making at the Group level.


Key Responsibilities
1. Credit Strategy and Policy Leadership
Lead the formulation, documentation, and continuous refinement of Group credit and risk policy frameworks.
Ensure policies balance financial inclusion objectives with portfolio sustainability and risk discipline.
Align credit governance with global best practices in consumer and asset-based lending.
Adapt credit policies to country-specific regulatory, economic, and customer behavior realities.
Establish and oversee country-level credit governance routines, including policy reviews, portfolio clinics, and collections performance reviews.
2. Credit Risk Modeling and Data Analytics
Partner with the Business Intelligence and Data teams to develop and continuously improve credit scoring, segmentation, and behavioral risk models.
Utilize PAYGO data and alternative data sources such as usage patterns, repayment behavior, and geolocation insights.


Translate complex analytical outputs into actionable strategic insights and early warning signals.
Define cohort performance metrics and track portfolio performance against benchmarks.
Adjust credit parameters dynamically to ensure portfolio health and sustainable growth.


3. Portfolio Monitoring and Early Warning Systems
Establish and maintain real-time portfolio monitoring dashboards tracking delinquency, Portfolio at Risk (PAR), write-offs, and recovery trends across markets and products.
Design early warning systems to identify high-risk segments and deteriorating portfolio performance.
Lead the Portfolio Risk Review Committee, ensuring transparency, accountability, and proactive mitigation of emerging risks.


4. Collections Strategy and Asset Recovery
Develop and implement data-driven collection strategies including segmentation-based collections, workflow automation, digital payment reminders, and behavioral nudges.
Oversee asset recovery processes including repossession strategies and resale channels for recovered PAYGO assets.
Implement voluntary buyback or restructuring programs where appropriate.
Build and manage partnerships with external collection agencies, microfinance institutions, and recovery partners to maximize recovery efficiency.
5. Governance, Compliance, and Investor Relations
Ensure compliance with consumer protection regulations, data privacy laws, and local financial regulatory requirements across all operating markets.
Work closely with the Chief Financial Officer and Investor Relations team to provide transparent portfolio performance reporting to lenders, development finance institutions (DFIs), and impact investors.
Prepare credit stress tests, scenario analyses, and portfolio risk assessments for investor reporting, board reviews, and due diligence exercises.


6. Leadership and Cross-Functional Collaboration
Foster a strong risk culture across Sales, Operations, Finance, and Technology teams.
Build, lead, and mentor a high-performing Group Credit & Risk team managing multi-country portfolios.


Develop capability-building programs for country credit managers and collections teams.
Ensure alignment of underwriting, recovery, and field collection practices across markets.
Performance criteria (Key performance indicators - KPIs)
The performance of the Vice President, Credit & Risk Management will be evaluated against the following key indicators:
Portfolio at Risk (PAR30) ≤ 10%
Repayment Rate (PvP) ≥ 90%
Write-offs ≤ 3% of total portfolio
Reduction in early-stage delinquency year-on-year
Improved recovery yield and asset resale turnaround times
Implementation and utilization of credit scoring models and portfolio dashboards
Timely delivery of credit reporting to Executive Committee, Board, and investors

Profil du poste

MBA or equivalent advanced degree in Finance, Economics, Statistics, Risk Management, or related field.
10–15 years of experience in credit risk management, preferably in PAYGO, fintech lending, microfinance, or consumer finance.
Demonstrated expertise in portfolio management, collections strategy, and asset-backed lending models.
Strong analytical capabilities with proficiency in SQL, Power BI, Python, or equivalent portfolio analytics tools.
Proven track record in credit scoring model development and segmentation strategies.
Deep understanding of African consumer behavior, especially in off-grid energy and digital finance contexts.
Fluency in English and French is required.



The successful candidate will demonstrate the following attributes :
Strategic thinker with strong operational discipline.
Deep commitment to financial inclusion and responsible lending.
Data-driven decision-maker with strong analytical orientation.
Collaborative leader capable of empowering cross-functional teams.
Resilient and adaptable in diverse and evolving African markets.

Dossiers de candidature

https://www.linkedin.com/jobs/view/4427944661