Operations and Credit Team Leader (PAYGO)

Job Summary:   We are looking for a motivated and capable Operations and Credit Team Leader to support our business growth

Job Purpose

The Operations & Credit Team Leader – PAYGO will be responsible for driving the growth, expansion, execution, and performance of WASSHA’s PAYGO business across all operating countries. The role will ensure sustainable business growth while maintaining a healthy credit portfolio through strong operational controls, portfolio management, and risk mitigation strategies.

The position will work closely with country teams to improve customer acquisition, portfolio quality, repayment performance, and operational efficiency to achieve WASSHA’s PAYGO objectives.

Key Duties and Responsibilities:

Managerial Responsibilities:

• Implement WASSHA’s vision, mission, and values within PAYGO operations across all countries.
• Provide leadership, guidance, and technical support to country PAYGO teams.
• Coordinate PAYGO activities across operating countries to ensure alignment with company objectives.
• Monitor PAYGO performance and provide timely reports and recommendations to management.
• Support country teams in achieving PAYGO growth and portfolio targets.
• Facilitate knowledge sharing and implementation of best practices across countries.
• Identify operational gaps and recommend corrective actions.
• Collaborate with Finance, Operations, Product, Customer Support, and Information Technology teams to ensure smooth execution of PAYGO activities.
• Ensure compliance with company policies and applicable regulatory requirements.

Functional Responsibilities:

Business Growth & PAYGO Expansion

• Develop and implement PAYGO growth strategies across WASSHA operating countries.
• Support the launch and scaling of new PAYGO products and initiatives.
• Identify new market opportunities and customer segments for PAYGO expansion.
• Monitor customer acquisition and retention performance.
• Work with country teams to achieve PAYGO sales and activation targets.
• Analyze market trends and competitor activities to improve business performance.
• Drive initiatives aimed at increasing PAYGO adoption and customer satisfaction.
• Develop and monitor regional PAYGO dashboards and KPIs.

Portfolio Quality & Credit Performance

• Monitor the quality and performance of the PAYGO portfolio across all operating countries.
• Track and improve key portfolio indicators including Portfolio at Risk (PAR), default rates, collection efficiency, and recovery rates.
• Develop and implement PAYGO credit policies and risk management frameworks.
• Monitor customer repayment behaviour and identify emerging risks.
• Lead collection and recovery initiatives to minimize portfolio losses.
• Coordinate repossession and recovery processes where necessary.
• Conduct portfolio reviews and recommend corrective actions to improve credit performance.
• Support provisioning and portfolio forecasting exercises.
• Implement fraud prevention measures and strengthen internal controls.

Operational Excellence

• Standardize PAYGO operational processes across all countries.
• Monitor device activation, customer onboarding, and payment collection processes.
• Ensure accuracy and integrity of PAYGO data and reporting systems.
• Drive continuous process improvement initiatives to enhance efficiency and customer experience.
• Coordinate with payment partners and service providers to ensure smooth operations.

Qualifications, Skills and Experience:

Minimum level of academic and professional qualification required to perform effectively in the role:

• Bachelor’s degree in Business Administration, Finance, Economics, Statistics, Engineering, or related field.
• Professional qualifications in Credit Management, Risk Management, or Project Management will be an added advantage.

Minimum level of experience required to perform effectively in the role:      

• At least 3-5 years of experience in PAYGO, microfinance, fintech, solar energy, credit operations, or portfolio management.
• Experience managing multi-country operations is highly desirable.
• Demonstrated experience in credit risk management and portfolio analytics.
• Experience working with PAYGO systems and digital payment platforms.

Competencies

Technical

• Strong analytical and financial modelling skills.
• Advanced proficiency in MS Excel and Google Sheets.
• Experience with Power BI or other business intelligence tools.
• Strong understanding of PAYGO systems and portfolio management.
• Knowledge of credit risk management and collections.

Functional

• Business growth and expansion management.
• Credit and portfolio management.
• Data analysis and reporting.
• Project management skills.
• Stakeholder management.

Behavioral

• Strong leadership and team management skills.
• Excellent communication and presentation skills.
• Problem-solving and decision-making ability.
• Results-oriented with high accountability.
• Ability to work effectively across multiple countries and cultures.
• Continuous improvement mindset and adaptability.

Key Performance Indicators (KPIs)

• Growth KPIs
• Active PAYGO customers
• Customer acquisition growth
• PAYGO revenue growth
• Product adoption rate
• Customer retention rate Credit KPIs
• PAR 30/60/90
• Collection efficiency
• Default rate
• Recovery rate
• Write-off ratio Operational KPIs
• Device activation rate
• Customer onboarding turnaround time
• Data accuracy
• Country compliance with PAYGO SOPs

How to Apply:

Please Send CV, Application letter (with the required gross monthly salary expectation) and academic transcripts in PDF to recruitug@tz.wassha.com no later than 17^th July, 2026 at 17:00 (EAT)

Ensure to indicate the JOB TITLE in the SUBJECT HEAD of the email. Only successful candidates will be contacted

Deadline: 17^th July 2026