Shelter Afrique is seeking a highly experienced and bilingual Credit Manager to lead and oversee its credit-granting and credit risk management processes. The ideal candidate will have a deep understanding of credit policies and portfolio management in a Development Finance Institution (DFI) context, ensuring strong risk controls while supporting business growth and customer engagement.

• Structure, sanction, monitor, and control credit applications to uphold credit quality standards.
• Provide credit advisory services on lending criteria, policy compliance, and process adherence.
• Implement and manage credit policies and ensure compliance with governance and portfolio controls.
• Maintain policy and data integrity within the credit function; ensure credit limits and mandates are not breached.
• Evaluate risk-reward dynamics, pricing structures, and provide recommendations accordingly.

• Ensure adherence to Service Level Agreements (SLAs) and Turnaround Times (TAT).
• Partner with business teams to coach and co-create tailored credit solutions for clients.
• Participate in initiatives to streamline credit origination, monitoring, and post-sanction processes.
• Support business teams through client visits and assist with credit-related issues.

• Manage a portfolio of high-risk or troubled loans, restructure facilities to improve performance.
• Secure and manage collateral; initiate legal actions when needed to recover bad debts.
• Ensure full compliance with legal, regulatory, and internal requirements.
• Generate loan performance and recovery reports for senior management.

• Proactively monitor loan performance and recommend preventive strategies for NPLs.
• Oversee recovery strategies and auction processes as necessary.
• Collaborate with legal teams and external stakeholders for efficient recovery.
• Provide training and mentorship to recovery and credit staff.
• Present collection and risk reports to management and the Board Credit Committee.

• Bachelor’s degree in Finance, Accounting, Business Administration, or a related field.
• Master’s Degree (MBA) and professional certifications (CPA, CFA, Credit Risk Certification) preferred.

• At least 8 years’ experience in credit management, risk analysis, or collections within a Multilateral Development Bank or Financial Institution.
• Proven ability to manage large and complex loan portfolios and credit recovery operations.
• Fluency in both English and French is preferred and highly desirable.

• Strong understanding of end-to-end credit lifecycle management.
• Familiarity with lending policies, pricing structures, and risk-based strategies.
• Excellent commercial awareness and product knowledge relevant to credit and finance sectors.

Share to