Credit Assessor, South Africa

Department: Corporate Risk

Employment Type: Permanent - Full Time

Location: South Africa

Reporting To: Credit Process Manager

Description

About Sun King

Sun King is the world’s leading off-grid solar energy company, combining cutting-edge product design, fintech, and field operations to deliver energy access for the 1.8 billion people who live without an affordable and reliable electric-grid connection. Sun King has connected more than 20 million homes to solar power across Africa and Asia, adding over 200,000 homes each month.

Sun King makes solar products affordable to low-income households and businesses via ‘pay-as-you-go’ purchase financing. Sun King installs solar after customers pay a small deposit. Customers then make small, manageable payments of as little as US $0.11 a day via mobile money or cash.

Instead of paying for expensive, polluting, and health-damaging kerosene for lighting or diesel for power, customers unlock savings through accessing solar power and after one to two years of payments, customers own their solar equipment outright. To date, our Sun King solar products have saved customers more than $4 billion cumulatively.

Sun King collects payments digitally through mobile money systems and its 28,000 field agents — over 650,000 payments each day. Embedded electronics inside each Sun King device regulate usage based on payments, similar to the operation of a pre-paid mobile or electricity meter.

From cost-effective solar systems that provide home lighting and phone charging to robust solar inverters that can power high-energy appliances such as laptops, computers, refrigerators, and more, effectively acting as a full stand-in for grid power, Sun King’s products cater to a wide range of income segments and energy needs. Leveraging its proven distribution network and brand, Sun King is expanding its range of products and services to encompass clean cooking, electric mobility, entertainment, and more, aiming to address the needs of our underserved customers.

Sun King employs 2,800 full-time staff in 12 countries, with specialties spanning product design, data science, logistics, customer service, sales, software, operations, and more — all with a passion to serve off-grid families.

Sun King is committed to gender diversity in the workplace. Women represent 44% of Sun King’s workforce.

About the role

The Credit Assessor at Sun King will work in the Corporate Risk department and will be reporting to the Credit Process Manager. You will be working closely with the Corporate risk team by following up on credit vetting and customer engagement on Pay-As-You-Go products.

What you will be expected to do

Financial Analysis - Evaluate the creditworthiness of a customer by analyzing financial statements, payslips, credit reports, and other relevant documents.
Risk Assessment - Assess risks associated with sales of Inverters, considering factors such as customer payment affordability, exposures, market conditions, and repayment feasibility.
Underwriting Guidelines - Develop criteria tailored to the renewable energy industry, ensuring compliance with regulatory standards and organization policies.
Due Diligence - Conduct thorough due diligence questions on Inverter assessment, including site, technical feasibility, and Installer qualifications.
Effective Collaboration - Work closely with sales, finance, Operations, and project teams to gather necessary information and ensure alignment between customer expectations and underwriting outcomes.
Customer Service - Provide assistance to customers throughout the underwriting process, addressing inquiries and resolving issues in a timely and professional manner.
Continuous Improvement - Stay updated on industry trends, regulatory changes, and best practices in solar financing and underwriting, and proactively suggest enhancements to processes and procedures.

You might be a strong candidate if you have

A Bachelor’s degree/Diploma in a related field of Business Administration, Finance, Accounting, or a related field.
At least three (3) years of experience in underwriting, preferably in the financial services or renewable energy sector.
Knowledge of credit risk assessment methodologies, financial modeling techniques, and regulatory requirements.
Flexibility to adapt to changing business priorities and work under tight deadlines with little or no supervision.
Commitment to promoting sustainability and renewable energy adoption.
Excellent communication skills, with the ability to collaborate effectively with cross-functional teams and build rapport with customers.
Good planning and organizational skills
High level of integrity and confidentiality.

What Sun King offers

Professional growth in a dynamic, rapidly expanding, high-social-impact industry
An open-minded, collaborative culture made up of enthusiastic colleagues who are driven by the challenge of innovation towards profound impact on people and the planet.
A truly multicultural experience: you will have the chance to work with and learn from people from different geographies, nationalities, and backgrounds.
Structured, tailored learning and development programs that help you become a better leader, manager, and professional through the Sun Center for Leadership.

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Credit Assessor, South Africa