Credit Operations Manager - SCALE Job at Renda Limited

Renda is a leading logistics and mobility technology company dedicated to delivering innovative, scalable solutions that empower businesses and operators across emerging markets.

Our SCALE product focuses on Value-Added Services (VAS) such as health insurance, CNG conversion, vehicle insurance, vehicle papers renewal, spare parts, repairs, and credit.

We are recruiting to fill the position below:

Job Position: Credit Operations Manager - SCALE
Job Location: Ilupeju, Lagos
Employment Type: Full-time

Job Summary

• We are looking for a Credit Operations Manager to lead the end-to-end credit operations within SCALE by Renda.
• This role is responsible for overseeing underwriting, credit disbursement, collections, compliance, risk management, credit scoring, and customer service.
• The ideal candidate is data-driven, solutions-oriented, and passionate about building scalable credit products.

Key Responsibilities
Credit Strategy & Operations:

• Manage the full lifecycle of credit operations: onboarding, underwriting, disbursement, monitoring, and collections.
• Implement and maintain a dynamic credit scoring system for B2B and B2C segments.
• Ensure operational integration with partner systems and APIs for seamless credit deployment.

Risk & Compliance:

• Monitor portfolio performance, assess risk exposure, and deploy mitigation strategies.
• Ensure full compliance with internal credit policies and regulatory requirements.
• Lead regular audits and ensure zero critical findings.

Process Optimization & Automation:

• Identify inefficiencies across credit operations and implement scalable, automated solutions.
• Streamline credit workflows to reduce TAT and operational costs.
• Drive innovation in credit operations through data and technology.

Customer Experience:

• Manage client escalations and ensure SLA-aligned issue resolution.
• Foster a customer-centric culture to drive satisfaction and loyalty.

Performance Tracking & Reporting:

• Track key credit metrics including delinquency, repayment rate, and disbursement volumes.
• Deliver timely and error-free reports: weekly, monthly, and quarterly.
• Provide insights to refine credit strategies and inform business decisions.

Cross-functional & Stakeholder Engagement:

• Collaborate with Sales, Finance, Legal, and Technology to ensure alignment with organizational goals.
• Manage external relationships with banks, credit bureaus etc

Key Qualifications & Requirements

• Bachelor’s degree in Business Administration, Finance, Economics, or related field
• 5+ years of experience in credit operations, risk management, or fintech credit
• Strong understanding of credit risk, scoring systems, and regulatory frameworks
• Proven track record in disbursement performance and operational excellence
• Skilled in data analytics, CRM tools, and credit management software
• Exceptional communication, leadership, and stakeholder management capabilities.

Method of Application
Interested and qualified candidates should send their CVs to: careers@renda.co using the Job Position as the subject of the mail.