Head of Credit

About Us

Brkz is a B2B commerce platform modernizing the construction materials value chain in MENAP. Our vision is to create an end-to-end ecosystem of value-added services including financial products for both businesses and contractors.

The construction market in MENAP is huge : $557 Bn. The initially targeted segment alone is $57 Bn with no tech-enabled competition.

Led by a repeat founder Ibrahim Manna who was previously Managing Director of MENAP Markets at Careem (sold to Uber for $3.2 Bn) where he launched 11 out of 15 markets ($0 to $250M GMV RR). Brkz is top tier VC backed with more than 22.5m USD in funding.

We are on a mission to drive region-wide impact by delivering Great Experiences and Re-inventing the Construction industry through Tech.

Job Summary :

We’re now looking for a Head of Credit to lead our credit function. This is a key leadership role for someone excited to shape credit policy, drive underwriting automation, and build resilient risk infrastructure and collections for a fast scaling B2B business.

What you will do (Key Responsibilities) :

• Design and Own Credit Strategy
• Develop and continuously refine credit risk policies and underwriting models specific to our client base in the construction sector.
• Define portfolio segmentation, limits, and performance targets that enable business growth while adhering to our risk tolerance.
• Define, Automate and Scale the Credit Cycle
• Define and enhance process workflows to stream line the entire credit cycle from underwriting to collection.
• Collaborate with product, data, and engineering teams to design automated credit decisioning workflows.
• Leverage first and foremost alternative information (e.g., project size under management, payment history) to improve decision quality and speed vs. traditional information (e.g. financial accounts).
• Risk Analytics and Monitoring
• Build frameworks to track portfolio health, early warning indicators, and default drivers.
• Develop dashboards and KPIs to inform leadership and investors of risk trends.
• Risk-Based Pricing Strategy
• Develop pricing models that align credit risk with return objectives, taking into account borrower profile, industry volatility, and loan structure.
• Collaborate with finance and product teams to calibrate profit rates based on risk-adjusted economics .
• Team Leadership
• Build and lead a high-performing credit analytics and collections team.
• Collaborate with internal and external stakeholders in a dynamic environment
• Regulatory and Compliance Oversight
• Ensure credit policies and practices comply with relevant lending regulations and best practices.
• Stay ahead of regulatory trends in credit risk, SME lending, and financial data use.

Who you are (Qualifications) :

What we offer :

Check our guide on How to prepare for your interviews with BRKZ ️

Pls note : Certain positions eventual grading might be subject to interview performance, this allows great talent to shine regardless of years of experience and keeps a fair process based on how big of an impact you deliver in the organization.

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