PAYG LPG Credit Manager

About the Role:
We are seeking a highly motivated and operationally hands-on Credit Manager to drive credit performance in our Clean Cooking Pay-As-You-Go (PAYG) LPG business. This role is critical to addressing two of the most important issues for the business at our current stage:

• Recovery of LPG assets from churned and delinquent customers.
• Improving portfolio health and  ARPU (average revenue per user.

The successful candidate will work closely with field teams, customer success, sales, operations, and risk to design and execute strategies that deliver measurable business outcomes. This is a highly field-intensive role that requires frequent travel to our operational territories, with an emphasis on real-time problem solving and execution.

What you would be expected to do

Portfolio health & ARPU improvement

• Analyze portfolio performance to identify drivers of low ARPU and design interventions to improve customer payment behavior, product utilization, and retention.
• Work with sales and customer success teams to implement customer-level interventions that address payment issues, product usage gaps, or operational issues.
• Monitor cohort performance and develop predictive insights to inform sales, marketing, and credit strategies.

Asset Recovery 

• Head design and execution of field recovery operations to reclaim LPG cylinders and equipment from churned or non-paying customers.
• Build efficient recovery playbooks that balance cost, customer experience, and asset protection.
• Work with field teams to track recovery KPIs and implement continuous improvement.

Credit Risk & Field Operations

• Design simple, scalable underwriting, collections, and repossession processes tailored to PAYG LPG business model.
• Aid fraud detection and investigation processes, working closely with field teams to investigate and resolve fraud incidents.
• Conduct regular field visits to review processes, back escalations, and coach recovery and credit staff.

Reporting & Compliance

• Monitor and report on key credit risk indicators, recovery rates, and portfolio performance metrics.
• Ensure compliance with company credit policies and relevant regulatory standards.
• Prepare actionable field reports that inform operational adjustments and leadership alignment.

You might be a strong candidate if you have

Qualifications & Experience

• Bachelor’s degree in Business, Credit Management, Operations, or a related field.
• 5+ years experience in credit risk, field operations, or asset recovery — experience in PAYG, microfinance, or asset leasing models strongly preferred.
• Proven track record driving field-based credit performance improvement.
• Experience working in emerging markets, preferably in rural or peri-urban settings.

Personal Attributes

• Excellent problem-solving and execution skills.
• Strong leadership and people management skills.
• Willingness and ability to spend significant time (50-70%) in the field.
• High level of integrity, discretion, and professionalism.
• Data-centric consensus building.

Travel Requirements
This role requires extensive field travel to operational sites across Kenya. Expect up to 70% travel time.