Job Summary:
We are hiring a Head of Credit & Collections to restructure our pharmacy credit model. This role will design and manage a scoring system, collections engine, and recovery workflows.
Core Competencies:
Credit policy design and enforcement
Risk tiering and customer segmentation
Negotiation and dispute resolution
Collections performance tracking (aging, DSO, recovery %)
CRM/ERP credit workflows (Zoho, QuickBooks, Salesforce, etc.)
Leadership Qualities:
Results-focused and analytical
Empathetic but firm with customers
Able to lead teams under pressure and drive urgency
Collaborative with sales and finance teams
Key Responsibilities:
Design and implement risk-based credit policy
Segment customer credit tiers; integrate into sales process
Lead a collections team with daily tracking & recovery actions
Engage defaulters to negotiate repayments and reduce bad debt
Run weekly reporting for CEO/CFO
KPIs:
Collection recovery: ≥ ₦80M in 90 days
Daily repayment %
% of credit default reduced to <10%
Aging bucket shrinkage (30, 60, 90 days)
Customer satisfaction post-recovery
Requirements:
5+ years in credit, collections, or lending operations
Experience with B2B credit scoring or financial modeling
Strong leadership and negotiation skills
Analytical with CRM/ERP reporting experience
Bonus: familiarity with pharmacy or SME credit lending
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