Growth

Head - Helium Credit

Lagos   |   Full Time

Helium Health is a full-service healthtech company that provides a suite of solutions for healthcare providers, payers, patients and partners in emerging markets — at the core of which is our SaaS based electronic medical records/hospital management information system (EMR/HMIS).


We are on a mission to accelerate Africa’s transition to a technology and data driven healthcare sector. We are continually increasing our product offerings in order to multiply the value we deliver to our customers and healthcare stakeholders at large. 


We are looking to hire Head, Credit Business who will oversee the Company’s loan portfolio, loan approvals, loan documentation and credit risk management. The job holder will provide support and direction to team members, and develop loan policies and procedures to ensure efficient operations. 


Responsibilities:


Policies and Procedures

  • Set up the Credit Business Department. Identify, draft, develop and implement operational processes, policies and guidelines related to portfolio management, credit and other corresponding functions.

  • Ensure that business development and relationship management is done in accordance with the Company’s credit guidelines. 

  • Work with senior management on the determination of overall loan portfolio composition and the management of concentrations. 


Operations

  • Drive business plans and strategy. Launch new products in the market periodically to deliver on business growth strategy. 

  • Exercise oversight of the internal credit risk review process for adequacy of risk ratings, regulatory compliance, loan policy conformance, and recovery of problem loans and the disposition of foreclosed assets. 

  • Manage sector / industry specialists to forecast the economic climates, identify niche areas for credit growth, risk mitigation etc. 

  • Build a good credit portfolio of corporate advances through high quality appraisal. 

  • Take lead in bringing process changes for faster delivery and customer delight.

  • Develop a process to systematically and aggressively follow-up non-performing and unsatisfactory accounts in order to reduce exposure and maintain loss experience to a minimum.

  • Monitor and measure department performance with appropriate metrics. 


Asset Management

  • Ensure credit expansion happens retaining the asset quality. 

  • Manage underwriters, obtain insight for analyzing the credit condition of the borrower/sponsor and/or project and additional information related to the borrower relationship.

  • Monitor report on the overall portfolio, including and not limited to assessing asset quality, stress testing, industry and market analysis, asset allocation, reserves and non-performing loan analysis. 


People Management

  • Manage, train, up-skill, motivate and retain team members to ensure a profitable outcome for all. 

  • Mentor and coach team to ensure the success of Credit Services.


Requirements:

  • Minimum 10 years’ commercial lending experience including corporate or commercial account management, credit adjudication experience; underwriting of corporate, SME & retail products and services. 

  • In-depth knowledge of end to end credit administration including processing of proposals, credit analysis, restructuring, syndication etc.

  • Strong understanding of operational, legal and credit risk across the full range of industries.

  • Strong project appraisal skills and ability to translate desired business concepts to actual processes for implementation.

  • Thorough understanding of local laws and regulator guidelines and procedures for Credit Facilities. 

  • Entrepreneurial and fearless spirit, with great prospecting skills. Proven ability in developing strong relationships and partnerships with customers and relevant stakeholders. 

  • Result-driven with an ability to think strategically and creatively with an innovative mindset that is constantly looking for ways to improve things.

  • Strong interpersonal skills with a collaborative and flexible work style. Willing to travel and engage with our customers at various locations

  • First degree in a relevant field from a reputable institution 

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