Mobisol,Head of Customer Finance (m/f)Jobs Vacancy

Mobisol is one of the world’s leading companies for Solar Home Systems with approximately 700 passionate employees, delivering a clean and affordable alternative to fossil fuels for low-income households (living without access to reliable energy). Our dedicated product line combines solar energy with innovative mobile technology and accessible micro-financing. Having successfully installed more than 80,000 solar home systems in Tanzania, K
enya and Rwanda, Mobisol is now moving into the business at a larger scale. Please read more about Mobisol at
To support our team in Rwanda, Mobisol is looking for a
Head of Customer Finance (m/f)
Location: Kigali
The Customer Finance departments (HQ, CO) are responsible for the receivables risk management
(RRM). This includes among others: Assessment of applicants, Customer work-out, and Portfolio
management. The Head of Customer Finance is the customer finance process owner at the national
level, responsible for the proactive management, monitoring and controlling of all customer finance
related activities.
Accountable for:
  • Maintenance of national A/R portfolio quality at reasonable levels, i.e. by carrying out RRM related activities as outlined in RRM policy and procedural guidelines.
  • Ensuring the compliance with national regulations and customer protection legislation, thus ensuring that policy, procedural guidelines and manuals are in line with governing law.
  • Management of the day to day operations, including customer assessment and approval, management of overdue and defaulted receivables, customer field visits for benchmark data gathering purposes, etc
  • Accountable for the sound credit assessment of customers
  • Accountable for effective loan monitoring
  • Accountable for the efficient management of defaulting customers and repossessions
Responsible for:
  • Providing regular national portfolio and compliance reports to the Risk Account Manager and the Country Manager
  • Supervises the work and activities of Supervising Loan Field Officers, Loan Field Officers and Credit Assessment Officers
  • Responsible for data compilation and analysis and to share market intelligence with other departments especially Sales and Marketing
  • Responsible to improve customer assessment methods as well as management and monitoring tools
  • Responsible for an outstanding customer-product fit
  • Responsible for the reduction of default rates
  • Responsible for department monitoring
  • Responsible for budget planning
  • At least 5 years of experience in managing teams of at least 10 employees with disciplinary and technical authority, ideally as a branch or product manager at a microfinance institution (MFI).
  • At least 5 years of relevant professional experience in credit assessment, ideally in MSME lending. High priority will be given to those which have had a high exposure to individual lending methodology
  • High level of familiarity with typical income, expenditure and cash flow patterns of rural and semi-urban households and micro-enterprises in different country regions, including farmers, herders, business owners and employees
  • Good knowledge background in agriculture (crop and soil variety, crop cycles, farming methodologies, crop yield, agricultural value chains and risks, etc.)
  • In-depth experiences in training staff (classroom trainings, role plays, on-the-job-training, etc.
  • International work experience in Europe, North America, etc. a strong asset.
  • Alternative high exposure to frequent remote communication with northern headquarters or partners possible as well.
Soft Skills:
  • High level of creativity and flexibility to enhance and incorporate unorthodox receivables procedures. First experience with credit scoring a strong asset.
  • Ability to work in and manage remote teams
  • Very strong communication and negotiation skills.
  • Very good organizational and interpersonal skills, dynamic self-starter and team player
Hard Skills:
Fluency in local language and English
Willingness to frequently travel to regional Mobisol representative offices
The position offers you the chance to build and shape a global player in the off-grid energy market with strong commitment to product-quality, design, user friendliness and environmental sustainability. You will be part of an outstanding international, highly motivated team.
How to apply:
If you feel intrigued by this challenging opportunity, please send your application (letter of motivation – stand out CV, references) with the subject line “Head of Customer Finance” to  not later than March 2nd 2018. As an equal opportunity employer, Mobisol offers all of its employees and applicant’s full equal opportunity irrespective race, ethnic origin, sexual identity and disability, religion or beliefs.