To oversee and manage the overall business operations, driving strategic growth initiatives while ensuring operational  excellence across all departments. The Head of Credit and Operations will work closely with the General Manager to  implement the company's vision and objectives. 

Key Responsibilities 

Strategic Leadership 

Collaborate with the General Manager to develop and execute the company's long-term strategy and  annual business plans. 

Identify and pursue new business opportunities and partnerships to drive growth 

Analyse market trends and competitor activities to inform strategic decision-making 

Lead change management initiatives to support the company's evolution and growth 

Operational Management 

Oversee all operational aspects of the business, including credit, collections, customer care, and other  key functions 

Optimize processes and systems to improve efficiency, productivity, and scalability 

Oversee development and implementation of policies and procedures that ensure operational  excellence 

Monitor and analyse key performance indicators (KPIs) across all departments, taking corrective actions  as needed 

Documentation of processes (policies and SoPs) 

Financial Management 

Work with the Finance team to develop and manage budgets for all departments 

Monitor financial performance and ensure the company meets its financial objectives 

Identify cost-saving opportunities and implement measures to improve profitability 

Provide financial insights and recommendations to the GM and Board of Directors 

Risk Management and Compliance 

Ensure compliance with all relevant regulations and internal policies 

Oversee the development and maintenance of robust risk management frameworks 

Monitor and mitigate operational, credit, and other business risks 

Stay informed about regulatory changes and their potential impact on the business 

Team Leadership and Development 

Lead, mentor, and motivate a high-performing executive team 

Foster a culture of innovation, accountability, and continuous improvement 

Ensure effective communication and collaboration across all departments 

Stakeholder Management 

Represent the company in high-level meetings with partners, investors, and regulatory bodies 

Build and maintain strong relationships with key stakeholders 

Communicate company performance and strategic initiatives to the Board of Directors 

Business development 

Identify and pursue strategic partnerships with financial institutions, fintech companies, and other relevant  organisations to expand BAYES' market reach and service offerings. 

Negotiate and structure partnership agreements that align with BAYES' growth objectives and risk tolerance. 

Create and implement strategies to build a robust ecosystem around BAYES' digital lending platform. 

Lead regular partner reviews and strategy sessions to continuously improve collaboration and identify new  opportunities for growth 

IT 

Leveraging technology to drive business growth and enhance our digital lending platform 

Identify emerging technologies that can provide competitive advantages in the digital lending space 

Collaborate with tech teams to ensure seamless integration of new features into existing platforms 

Ensure all new IT developments comply with financial regulations and data protection laws 

Key Performance Indicators: 

Overall business growth (revenue, customer base, market share) 

Operational efficiency metrics 

Financial performance (profitability, cost management) 

Risk management effectiveness (portfolio quality, compliance) 

Employee engagement and retention 

Customer satisfaction and loyalty 

Innovation and new product development 

Qualifications and Experience 

Bachelor's degree in Business Administration, Finance, or a related field. 

Minimum of 10 years of experience in senior management roles within the Microfinance, Financial  services industry. 

Proven track record of driving business growth and operational excellence overtime. 

Strong understanding of credit risk, lending operations, and regulatory compliance. 

Excellent leadership,managing a diverse team, communication, and problem-solving skills. 

Strategic thinker with the ability to translate vision into actionable plans. 

Results-oriented with a commitment to continuous improvement. 

Competencies 

Strategic thinking and business acumen. 

Financial management and analysis. 

Operational excellence and process optimization. 

Risk management and compliance 

Leadership and team development. 

Stakeholder management and communication. 

Adaptability and change management. 

Innovation and creativity.