EnerGrow is an innovative asset financing company in Uganda that provides asset loans and training to micro, small and medium businesses as well as households.  EnerGrow is disrupting the small business finance industry by offering loans that traditional banks deem too risky and that microfinance institutions have historically charged too much for.  By leveraging external and internal data, EnerGrow is developing a new model to extend credit to rural communities.

EnerGrow is rolling out several financing pilots in Uganda and is looking for a talented Head Of Credit to manage financing and guide the company’s approach to assessing and managing risk.

This is a role that will come with significant responsibilities and the opportunity to grow and drive strategy within a dynamic start-up culture.

Applicant requirements:

• 5+ years’ experience in asset financing or microfinance in development contexts
• Proven track record of sustainably increasing the reach of a financing product
• Experience managing or working with high performing loan portfolios
• Understanding of development contexts and the systemic financial challenges faced by small businesses and households
• Passion for financial and social inclusion and a belief that data and technology can be instrumental in addressing these challenges
• Strong data analysis skills (ideally including experience with Python or similar)

Amongst other things, the successful candidate will be responsible for:

• Leveraging data to create, improve, monitor and automate credit assessment practices
• Identifying new data sources and/or collaborations to gain deeper insights
• Pilot adaptions to credit practices to improve product reach, repayment rates, affordability and product profitability
• Working with the CFO/Loans Manager to develop business friendly consumer financing products
• Modelling and monitoring company risk and exposure
• Monitoring customer repayments and taking proactive action based on learnings
• Creating and improving reporting systems to guarantee company-wide understanding of loan portfolio performance
• Understanding and acting upon local microfinance regulations
• Support operations teams on loan management and collections practices