Credit & Invoice Supply Manager – SmartFoundry

Location: Dar es Salaam
Employment Type: Full-Time
Company: SmartFoundry

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About SmartFoundry

SmartFoundry is the venture studio of Smart Africa Group, focused on identifying, validating, building, and scaling innovative businesses across Africa.

Its portfolio includes platforms such as:

• WINVO
• AdFlow
• Wakaly

The organization develops solutions that support digital commerce, finance, and marketing ecosystems across the continent.

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Position Overview

The Credit & Invoice Supply Manager is responsible for building and managing a pipeline of invoice financing and working capital opportunities by sourcing qualified borrowers, assessing creditworthiness, onboarding clients, and maintaining relationships with financiers and lending partners.

The role acts as a bridge between:

• SMEs and borrowers
• Banks and financiers
• Internal credit and risk teams
• Legal and operational teams

The ultimate goal is to grow a high-quality financing portfolio while maintaining strong credit standards and risk controls.

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Main Responsibilities

1. Business Development & Credit Origination

Client Acquisition

• Develop strategies to source businesses requiring:
  • Invoice financing
  • Asset financing
  • Working capital facilities

Target Market

Identify and recruit:

• SMEs
• Distributors
• Suppliers
• Contractors
• Service providers

Pipeline Development

• Build and maintain a strong pipeline of financing opportunities.
• Expand financing opportunities across different industries and sectors.
• Generate sustainable deal flow.

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2. Credit Assessment & Client Onboarding

Preliminary Assessment

Evaluate:

• Business profile
• Financing requirements
• Invoice quality
• Cash flow strength
• Repayment capacity

Client Onboarding

• Collect client documentation.
• Complete Know Your Customer (KYC) requirements.
• Verify financial records.
• Ensure regulatory compliance.

Documentation Review

Review and analyze:

• Invoices
• Purchase orders
• Contracts
• Bank statements
• Financial information

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3. Credit Analysis & Deal Structuring

Internal Coordination

Work closely with:

• Credit teams
• Risk management teams
• Legal teams
• Operations teams

Deal Evaluation

• Prepare credit assessments.
• Develop deal summaries.
• Make financing recommendations.
• Structure suitable financing solutions.

Risk Management

• Identify credit risks.
• Recommend mitigation strategies.
• Support approved deals through disbursement.

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4. Portfolio Management

Client Relationship Management

• Serve as the primary contact for borrowers.
• Maintain strong relationships with financed clients.
• Provide ongoing support and follow-up.

Portfolio Growth

• Identify repeat financing opportunities.
• Cross-sell financial solutions.
• Expand borrower relationships.

Monitoring

Track:

• Invoice submissions
• Repayments
• Portfolio quality
• Borrower performance

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5. Financial Institution & Partner Management

Stakeholder Engagement

Build relationships with:

• Commercial banks
• Financial institutions
• Investors
• Financing partners

Collaboration

• Coordinate referrals and deal opportunities.
• Support underwriting requirements.
• Facilitate portfolio growth initiatives.

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6. Portfolio Risk & Recovery Support

Risk Monitoring

• Monitor repayment behavior.
• Identify early warning signs of default.
• Escalate high-risk accounts.

Collections Support

• Assist collection activities.
• Support recovery efforts when required.
• Ensure portfolio quality remains within acceptable risk limits.

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7. Reporting & Market Intelligence

Reporting

Prepare reports covering:

• Lead generation
• Conversion rates
• Loan pipeline performance
• Portfolio quality
• Repeat business

Market Research

Monitor developments in:

• SME lending
• Invoice financing
• Trade finance
• Working capital financing

Provide recommendations to improve business performance and competitiveness.

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Required Qualifications

Education

Bachelor’s Degree in:

• Finance
• Banking
• Accounting
• Economics
• Business Administration
• Commerce
• Related field

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Experience Requirements

Minimum Experience

• 3–5 years of relevant experience.

Preferred Backgrounds

• Asset financing
• Invoice financing
• Commercial lending
• Trade finance
• Credit analysis
• Banking operations

Strong Advantage

Experience working as:

• Credit Officer
• Relationship Manager
• Loan Officer
• Commercial Banker
• Trade Finance Officer
• SME Banking Officer

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Required Skills & Competencies

Credit & Financial Skills

• Credit origination
• SME financing
• Working capital financing
• Invoice financing
• Financial statement analysis
• Bank statement analysis
• Credit documentation
• KYC and compliance processes

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Risk Management Skills

• Credit risk assessment
• Transaction evaluation
• Portfolio monitoring
• Early warning identification
• Recovery and collections support

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Technical Skills

• CRM systems
• Credit management platforms
• Pipeline management
• Portfolio reporting
• Performance tracking

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Business Development Skills

• Client acquisition
• Relationship management
• Stakeholder engagement
• Negotiation
• Commercial awareness

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Soft Skills

• Strong analytical thinking
• Sound credit judgment
• Communication skills
• Problem-solving abilities
• Process discipline
• Attention to detail

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Ideal Candidate Profile

This role is best suited for professionals who have:

✔ Experience in banking, lending, or trade finance

✔ Strong knowledge of SME financing and working capital products

✔ Proven ability to source and manage borrowers

✔ Experience assessing financial statements and creditworthiness

✔ Strong relationship management skills with clients and financial institutions

✔ Understanding of credit risk, collections, and portfolio management

✔ Business development and commercial growth experience

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Suitability Assessment

Candidates with experience in the following roles would be highly competitive:

• SME Relationship Manager
• Commercial Banking Officer
• Credit Analyst
• Credit Officer
• Trade Finance Officer
• Relationship Manager – Business Banking
• Asset Finance Officer
• Loan Officer
• Business Development Manager (Financial Services)

This position combines credit analysis, business development, portfolio management, and relationship management, making it ideal for professionals seeking a senior role in alternative financing, invoice financing, or SME lending.

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