Our client is a 1st category Microfinance Institution approved for more than twenty years and based in Douala
with more than 300 permanent employees spread across more than twenty branches throughout the national territory.
MANAGEMENT
JOB TITLE Creation:
May 2025
Update:
REGIONAL CREDIT MANAGER
I. JOB SITUATION
Management OPERATIONS MANAGEMENT – CREDIT AND MARKETING
Location: Douala – Yaoundé – Bafoussam (one of the three locations) Hierarchicalhttps://googleads.g.doubleclick.net/pagead/ads?gdpr=1&gdpr_consent=CQNvpkAQNvpkAEsACBENBfFoAP_gAEPgAARgINJD7C7FbSFCwH5zaLsAMAhHRsAAQoQAAASBAmABQAKQIAQCgkAYFASgBAACAAAAICRBIQIECAAAAUAAQAAAAAAEAAAAAAAIIAAAgAEAAAAIAAACAIAAEAAIAAAAEAAAmAgAAIIACAAAgAAAAAAAAAAAAAAAAACAAAAAAAAAAAAAAAAAAQNVSD2F2K2kKFkPCmwXYAYBCujYAAhQgAAAkCBMACgAUgQAgFJIAgCIFAAAAAAAAAQEiCQAAQABAAAIACgAAAAAAIAAAAAAAQQAABAAIAAAAAAAAEAQAAIAAQAAAAIAABEhAAAQQAEAAAAAAAQAAA&addtl_consent=2~70.89.93.108.122.149.184.196.236.259.311.313.323.358.415.442.486.494.495.540.574.609.864.981.1029.1048.1051.1095.1097.1126.1205.1276.1301.1365.1415.1449.1514.1570.1577.1598.1651.1716.1735.1753.1765.1870.1878.1889.1958.1960.2072.2253.2299.2373.2415.2506.2526.2531.2568.2571.2575.2624.2677.2778~dv.&client=ca-pub-8127528471213975&output=html&h=250&adk=3535737231&adf=319012167&pi=t.aa~a.4269927312~i.34~rp.1&w=307&abgtt=13&fwrn=7&fwrnh=100&lmt=1748527824&num_ads=1&rafmt=1&armr=3&sem=mc&pwprc=1921297977&ad_type=text_image&format=307×250&url=https%3A%2F%2Fcameroun.minajobs.net%2Femplois-stage-recrutement%2F34483%2F&fwr=0&pra=3&rh=256&rw=307&rpe=1&resp_fmts=3&sfro=1&wgl=1&fa=27&uach=WyJBbmRyb2lkIiwiOS4wLjAiLCIiLCJTTS1HOTU1RiIsIjEzNi4wLjcxMDMuMTI1IixudWxsLDEsbnVsbCwiIixbWyJDaHJvbWl1bSIsIjEzNi4wLjcxMDMuMTI1Il0sWyJHb29nbGUgQ2hyb21lIiwiMTM2LjAuNzEwMy4xMjUiXSxbIk5vdC5BL0JyYW5kIiwiOTkuMC4wLjAiXV0sMF0.&dt=1748527824225&bpp=26&bdt=3001&idt=-M&shv=r20250527&mjsv=m202505220101&ptt=9&saldr=aa&abxe=1&cookie=ID%3D08c2e045c8d07672%3AT%3D1743528619%3ART%3D1748527818%3AS%3DALNI_MYqzXOZyvS0KSCBPNHyr6hMPLqYaQ&gpic=UID%3D000010786437c2d9%3AT%3D1743528619%3ART%3D1748527818%3AS%3DALNI_MaOiJ8YzY1SmiEvPAXGbL2U6rKSpQ&eo_id_str=ID%3D402b63197984bd88%3AT%3D1737994449%3ART%3D1748527818%3AS%3DAA-AfjY5rRHuua3jWc3kesZOW9op&prev_fmts=337×280%2C0x0&nras=2&correlator=4906359845463&frm=20&pv=1&u_tz=180&u_his=1&u_h=846&u_w=412&u_ah=846&u_aw=412&u_cd=24&u_sd=2.625&dmc=4&adx=52&ady=1475&biw=411&bih=717&scr_x=0&scr_y=0&eid=95353386%2C95360390%2C95361473%2C95344791%2C95361617%2C95362176&oid=2&psts=AOrYGsm8NMUwyFnvE_4cPIhtdsaUuRVcGNDaGX3NX_eaxLOplAQyb-3nNqBrVfdb0gj4GvXlUEnhnUEUXvVjtO068olA5wE&pvsid=7439793666364121&tmod=1623045825&uas=0&nvt=1&fc=384&brdim=0%2C0%2C0%2C0%2C412%2C0%2C412%2C718%2C411%2C717&vis=1&rsz=%7C%7Cs%7C&abl=NS&fu=1152&bc=31&bz=1&td=1&tdf=2&psd=W251bGwsbnVsbCxudWxsLDNd&nt=1&ifi=5&uci=a!5&btvi=1&fsb=1&dtd=126
Positioning Line Manager n+1: Regional Director Line Manager n+2: Operations Manager – Credit and Marketing Lower hierarchical functions: Regional Credit Analysts, Branch Managers, Credit Supervisors, Branch Commitment Managers, Credit Officers Functional Relations Administration and finance, internal audit, permanent control, Management control, IT, HR, Branch Manager External relations External service providers and partners II. JOB MISSIONS The Regional Credit Manager is responsible for managing customer risk: he is responsible for accelerating customer collections and minimizing credit losses in order to secure and develop turnover and ensure the sustainability of the company in his region. Surrounded by research officers and analysts, the Regional Credit Manager is above all the guarantor of the application of the prudential, efficiency and profitability policy of the General Management in terms of credit, he ensures compliance with regulatory obligations and controls the balance of risks incurred in his area of expertise. III. MAIN ACTIVITIES Definition of the customer credit policy for the area of expertise Analyze with sales managers and agencies the payment behavior of customers: size, average invoice, etc. Raise awareness among accounting, financial and commercial departments of customer credit issues . Conduct studies of growth segments. Determine credit limits in amounts and deadlines. Analysis of the solvency of client companies in its area of expertise Analyze balance sheets to detect possible weaknesses likely to lead to late payments.
Analyze the company’s income statements in its region to form an
opinion on its economic situation.
Direct salespeople towards the least risky customers.
Decide on the outstanding turnover to authorize with each customer.
Conduct financial scoring studies.
Implementation of the reminder policy
Analyze payment deadline history by customer type.
Define the number of prior reminders to prevent payment delays.https://googleads.g.doubleclick.net/pagead/ads?gdpr=1&gdpr_consent=CQNvpkAQNvpkAEsACBENBfFoAP_gAEPgAARgINJD7C7FbSFCwH5zaLsAMAhHRsAAQoQAAASBAmABQAKQIAQCgkAYFASgBAACAAAAICRBIQIECAAAAUAAQAAAAAAEAAAAAAAIIAAAgAEAAAAIAAACAIAAEAAIAAAAEAAAmAgAAIIACAAAgAAAAAAAAAAAAAAAAACAAAAAAAAAAAAAAAAAAQNVSD2F2K2kKFkPCmwXYAYBCujYAAhQgAAAkCBMACgAUgQAgFJIAgCIFAAAAAAAAAQEiCQAAQABAAAIACgAAAAAAIAAAAAAAQQAABAAIAAAAAAAAEAQAAIAAQAAAAIAABEhAAAQQAEAAAAAAAQAAA&addtl_consent=2~70.89.93.108.122.149.184.196.236.259.311.313.323.358.415.442.486.494.495.540.574.609.864.981.1029.1048.1051.1095.1097.1126.1205.1276.1301.1365.1415.1449.1514.1570.1577.1598.1651.1716.1735.1753.1765.1870.1878.1889.1958.1960.2072.2253.2299.2373.2415.2506.2526.2531.2568.2571.2575.2624.2677.2778~dv.&client=ca-pub-8127528471213975&output=html&h=250&adk=3535737231&adf=224688394&pi=t.aa~a.4269927312~i.119~rp.1&w=307&abgtt=13&fwrn=7&fwrnh=100&lmt=1748527824&num_ads=1&rafmt=1&armr=3&sem=mc&pwprc=1921297977&ad_type=text_image&format=307×250&url=https%3A%2F%2Fcameroun.minajobs.net%2Femplois-stage-recrutement%2F34483%2F&fwr=0&pra=3&rh=256&rw=307&rpe=1&resp_fmts=3&sfro=1&wgl=1&fa=27&uach=WyJBbmRyb2lkIiwiOS4wLjAiLCIiLCJTTS1HOTU1RiIsIjEzNi4wLjcxMDMuMTI1IixudWxsLDEsbnVsbCwiIixbWyJDaHJvbWl1bSIsIjEzNi4wLjcxMDMuMTI1Il0sWyJHb29nbGUgQ2hyb21lIiwiMTM2LjAuNzEwMy4xMjUiXSxbIk5vdC5BL0JyYW5kIiwiOTkuMC4wLjAiXV0sMF0.&dt=1748527824225&bpp=18&bdt=3001&idt=18&shv=r20250527&mjsv=m202505220101&ptt=9&saldr=aa&abxe=1&cookie=ID%3D08c2e045c8d07672%3AT%3D1743528619%3ART%3D1748527818%3AS%3DALNI_MYqzXOZyvS0KSCBPNHyr6hMPLqYaQ&gpic=UID%3D000010786437c2d9%3AT%3D1743528619%3ART%3D1748527818%3AS%3DALNI_MaOiJ8YzY1SmiEvPAXGbL2U6rKSpQ&eo_id_str=ID%3D402b63197984bd88%3AT%3D1737994449%3ART%3D1748527818%3AS%3DAA-AfjY5rRHuua3jWc3kesZOW9op&prev_fmts=337×280%2C0x0%2C307x250&nras=3&correlator=4906359845463&frm=20&pv=1&u_tz=180&u_his=1&u_h=846&u_w=412&u_ah=846&u_aw=412&u_cd=24&u_sd=2.625&dmc=4&adx=52&ady=3946&biw=411&bih=717&scr_x=0&scr_y=0&eid=95353386%2C95360390%2C95361473%2C95344791%2C95361617%2C95362176&oid=2&psts=AOrYGsm8NMUwyFnvE_4cPIhtdsaUuRVcGNDaGX3NX_eaxLOplAQyb-3nNqBrVfdb0gj4GvXlUEnhnUEUXvVjtO068olA5wE&pvsid=7439793666364121&tmod=1623045825&uas=0&nvt=1&fc=384&brdim=0%2C0%2C0%2C0%2C412%2C0%2C412%2C718%2C411%2C717&vis=1&rsz=%7C%7Cs%7C&abl=NS&fu=1152&bc=31&bz=1&td=1&tdf=2&psd=W251bGwsbnVsbCxudWxsLDNd&nt=1&ifi=6&uci=a!6&btvi=2&fsb=1&dtd=159
Define the number and dates of simple mail reminders after due dates.
Adapt reminders according to a customer typology.
Ensure compliance with the procedure for recovering unpaid debts in its
region: registered mail, litigation, invoicing of
late payment penalties.
Analyze the cost of managing reminders compared to the savings made on
financial costs and unpaid debts.
Receivables Management
Monitor outstanding amounts by branch, supervisor and customer.
Analyze commercial disputes and defaulting customers with agents.
Set and manage outstanding limits per customer.
Negotiate with the most important customers their payment terms and put
in place any guarantees.
Agent Support
Communicate with agents on the division’s issues and regulatory changes
.
Conduct training on procedure manuals.
Ensure the proper application of the credit policy.
Carry out benchmarks for branches and credit officers
Carry out and communicate credit benchmarks to branches
Designate the most efficient branches in terms of credit management.
REQUIRED PROFILE Graduated with a bac + 3 or 4 in banking, finance/economics/management sciences
KNOWLEDGE – EXPERTISE 1 2 3
Strong managerial skills x
Strong personality x
3
Analyze the client’s financial situation and
search for additional information
(status, tax return, etc.);
x
Calculation of regulatory ratios relating to
credits x
Calculation of financial ratios x
Analysis of financial risks
x
Knowledge of taxation x
Knowledge of general accounting x Solid knowledge of COBAC
regulations x Solid knowledge of analytical ratios for EMF management x
Issue a reasoned opinion / decision
based on the delegation in charge and prepare
the summary note.
A minimum of three (03) years of proven professional experience
in commitment management
in a renowned microfinance institution
is desirable
x
KNOWLEDGE – BEING / Managerial Skills 1 (basic) 2 (mastery) 3 (expert)
Rigor
x
Critical sense,
x
Intuition x
Perspective x
Control of emotions, clarity of analysis x
VI- VALIDATION
N N+1 N+2 General Manager
V- CONSTRAINTS:
Availability at late hours including weekends
4
Name:
Name: Name: Name:
Visa and date: Visa and date: Visa and date: Visa and date:
VISAS
Deadline for submitting the application file (CV + Cover letter only with
success stories for the position) –
HOW TO APPLY:
Deadline for submitting the application file by email ONLY: JUNE 15,
2025 at 5 p.m. – Transmission Addresses (Email ONLY): mf.academy2013@gmail.com with
a copy to bkabou19@gmail.com and soumaconstant11@gmail.com
Composition of the application file: Detailed CV + Cover letter.
NB – Requests for additional information should always be sent by email
to the 03 addresses above. – All files sent by a channel other than email will be purely and simply
rejected without notice. – All files not sent to the two email addresses above will
also be rejected. – The cover letter must contain a description of the candidate’s success stories for
a similar position with the addresses of the people to contact for confirmation.
ur client is a 1st category Microfinance Institution approved for more than twenty years and based in Douala
with more than 300 permanent employees spread across more than twenty branches throughout the national territory.
MANAGEMENT
JOB TITLE Creation:
May 2025
Update:
REGIONAL CREDIT MANAGER
I. JOB SITUATION
Management OPERATIONS MANAGEMENT – CREDIT AND MARKETING
Location: Douala – Yaoundé – Bafoussam (one of the three locations) Hierarchicalhttps://googleads.g.doubleclick.net/pagead/ads?gdpr=1&gdpr_consent=CQNvpkAQNvpkAEsACBENBfFoAP_gAEPgAARgINJD7C7FbSFCwH5zaLsAMAhHRsAAQoQAAASBAmABQAKQIAQCgkAYFASgBAACAAAAICRBIQIECAAAAUAAQAAAAAAEAAAAAAAIIAAAgAEAAAAIAAACAIAAEAAIAAAAEAAAmAgAAIIACAAAgAAAAAAAAAAAAAAAAACAAAAAAAAAAAAAAAAAAQNVSD2F2K2kKFkPCmwXYAYBCujYAAhQgAAAkCBMACgAUgQAgFJIAgCIFAAAAAAAAAQEiCQAAQABAAAIACgAAAAAAIAAAAAAAQQAABAAIAAAAAAAAEAQAAIAAQAAAAIAABEhAAAQQAEAAAAAAAQAAA&addtl_consent=2~70.89.93.108.122.149.184.196.236.259.311.313.323.358.415.442.486.494.495.540.574.609.864.981.1029.1048.1051.1095.1097.1126.1205.1276.1301.1365.1415.1449.1514.1570.1577.1598.1651.1716.1735.1753.1765.1870.1878.1889.1958.1960.2072.2253.2299.2373.2415.2506.2526.2531.2568.2571.2575.2624.2677.2778~dv.&client=ca-pub-8127528471213975&output=html&h=250&adk=3535737231&adf=319012167&pi=t.aa~a.4269927312~i.34~rp.1&w=307&abgtt=13&fwrn=7&fwrnh=100&lmt=1748527824&num_ads=1&rafmt=1&armr=3&sem=mc&pwprc=1921297977&ad_type=text_image&format=307×250&url=https%3A%2F%2Fcameroun.minajobs.net%2Femplois-stage-recrutement%2F34483%2F&fwr=0&pra=3&rh=256&rw=307&rpe=1&resp_fmts=3&sfro=1&wgl=1&fa=27&uach=WyJBbmRyb2lkIiwiOS4wLjAiLCIiLCJTTS1HOTU1RiIsIjEzNi4wLjcxMDMuMTI1IixudWxsLDEsbnVsbCwiIixbWyJDaHJvbWl1bSIsIjEzNi4wLjcxMDMuMTI1Il0sWyJHb29nbGUgQ2hyb21lIiwiMTM2LjAuNzEwMy4xMjUiXSxbIk5vdC5BL0JyYW5kIiwiOTkuMC4wLjAiXV0sMF0.&dt=1748527824225&bpp=26&bdt=3001&idt=-M&shv=r20250527&mjsv=m202505220101&ptt=9&saldr=aa&abxe=1&cookie=ID%3D08c2e045c8d07672%3AT%3D1743528619%3ART%3D1748527818%3AS%3DALNI_MYqzXOZyvS0KSCBPNHyr6hMPLqYaQ&gpic=UID%3D000010786437c2d9%3AT%3D1743528619%3ART%3D1748527818%3AS%3DALNI_MaOiJ8YzY1SmiEvPAXGbL2U6rKSpQ&eo_id_str=ID%3D402b63197984bd88%3AT%3D1737994449%3ART%3D1748527818%3AS%3DAA-AfjY5rRHuua3jWc3kesZOW9op&prev_fmts=337×280%2C0x0&nras=2&correlator=4906359845463&frm=20&pv=1&u_tz=180&u_his=1&u_h=846&u_w=412&u_ah=846&u_aw=412&u_cd=24&u_sd=2.625&dmc=4&adx=52&ady=1475&biw=411&bih=717&scr_x=0&scr_y=0&eid=95353386%2C95360390%2C95361473%2C95344791%2C95361617%2C95362176&oid=2&psts=AOrYGsm8NMUwyFnvE_4cPIhtdsaUuRVcGNDaGX3NX_eaxLOplAQyb-3nNqBrVfdb0gj4GvXlUEnhnUEUXvVjtO068olA5wE&pvsid=7439793666364121&tmod=1623045825&uas=0&nvt=1&fc=384&brdim=0%2C0%2C0%2C0%2C412%2C0%2C412%2C718%2C411%2C717&vis=1&rsz=%7C%7Cs%7C&abl=NS&fu=1152&bc=31&bz=1&td=1&tdf=2&psd=W251bGwsbnVsbCxudWxsLDNd&nt=1&ifi=5&uci=a!5&btvi=1&fsb=1&dtd=126
Positioning Line Manager n+1: Regional Director Line Manager n+2: Operations Manager – Credit and Marketing Lower hierarchical functions: Regional Credit Analysts, Branch Managers, Credit Supervisors, Branch Commitment Managers, Credit Officers Functional Relations Administration and finance, internal audit, permanent control, Management control, IT, HR, Branch Manager External relations External service providers and partners II. JOB MISSIONS The Regional Credit Manager is responsible for managing customer risk: he is responsible for accelerating customer collections and minimizing credit losses in order to secure and develop turnover and ensure the sustainability of the company in his region. Surrounded by research officers and analysts, the Regional Credit Manager is above all the guarantor of the application of the prudential, efficiency and profitability policy of the General Management in terms of credit, he ensures compliance with regulatory obligations and controls the balance of risks incurred in his area of expertise. III. MAIN ACTIVITIES Definition of the customer credit policy for the area of expertise Analyze with sales managers and agencies the payment behavior of customers: size, average invoice, etc. Raise awareness among accounting, financial and commercial departments of customer credit issues . Conduct studies of growth segments. Determine credit limits in amounts and deadlines. Analysis of the solvency of client companies in its area of expertise Analyze balance sheets to detect possible weaknesses likely to lead to late payments.
Analyze the company’s income statements in its region to form an
opinion on its economic situation.
Direct salespeople towards the least risky customers.
Decide on the outstanding turnover to authorize with each customer.
Conduct financial scoring studies.
Implementation of the reminder policy
Analyze payment deadline history by customer type.
Define the number of prior reminders to prevent payment delays.
Define the number and dates of simple mail reminders after due dates.
Adapt reminders according to a customer typology.
Ensure compliance with the procedure for recovering unpaid debts in its
region: registered mail, litigation, invoicing of
late payment penalties.
Analyze the cost of managing reminders compared to the savings made on
financial costs and unpaid debts.
Receivables Management
Monitor outstanding amounts by branch, supervisor and customer.
Analyze commercial disputes and defaulting customers with agents.
Set and manage outstanding limits per customer.
Negotiate with the most important customers their payment terms and put
in place any guarantees.
Agent Support
Communicate with agents on the division’s issues and regulatory changes
.
Conduct training on procedure manuals.
Ensure the proper application of the credit policy.
Carry out benchmarks for branches and credit officers
Carry out and communicate credit benchmarks to branches
Designate the most efficient branches in terms of credit management.
REQUIRED PROFILE Graduated with a bac + 3 or 4 in banking, finance/economics/management sciences
KNOWLEDGE – EXPERTISE 1 2 3
Strong managerial skills x
Strong personality x
3
Analyze the client’s financial situation and
search for additional information
(status, tax return, etc.);
x
Calculation of regulatory ratios relating to
credits x
Calculation of financial ratios x
Analysis of financial risks
x
Knowledge of taxation x
Knowledge of general accounting x Solid knowledge of COBAC
regulations x Solid knowledge of analytical ratios for EMF management x
Issue a reasoned opinion / decision
based on the delegation in charge and prepare
the summary note.
A minimum of three (03) years of proven professional experience
in commitment management
in a renowned microfinance institution
is desirable
x
KNOWLEDGE – BEING / Managerial Skills 1 (basic) 2 (mastery) 3 (expert)
Rigor
x
Critical sense,
x
Intuition x
Perspective x
Control of emotions, clarity of analysis x
VI- VALIDATION
N N+1 N+2 General Manager
V- CONSTRAINTS:
Availability at late hours including weekends
4
Name:
Name: Name: Name:
Visa and date: Visa and date: Visa and date: Visa and date:
VISAS
Deadline for submitting the application file (CV + Cover letter only with
success stories for the position) –
HOW TO APPLY:
Deadline for submitting the application file by email ONLY: JUNE 15,
2025 at 5 p.m. – Transmission Addresses (Email ONLY): mf.academy2013@gmail.com with
a copy to bkabou19@gmail.com and soumaconstant11@gmail.com
Composition of the application file: Detailed CV + Cover letter.
NB – Requests for additional information should always be sent by email
to the 03 addresses above. – All files sent by a channel other than email will be purely and simply
rejected without notice. – All files not sent to the two email addresses above will
also be rejected. – The cover letter must contain a description of the candidate’s success stories for
a similar position with the addresses of the people to contact for confirmation.
