Credit Officer- Financial Services at Sendy Limited

Directly accountable to the Credit Manager and working together with the Financial Services & Lending teams to implement Lending and collection strategies, ensure credit upselling, visit customers to validate concerns, give feedback & proposals on how to better improve collections, and propose measures on how to reduce fraud on a continual basis.

You will be responsible for:

• Implementation and support the FS credit upselling processes and strategies i.e Onboarding, Evaluation ,credit awarding, subsequent communications and reporting.
• Actively participate in AR management by generating & reviewing  aged debtors balances and thereafter creating action plans or undertake follow ups on a daily basis.
• Following up on the already  identified AR problem areas and get proactive feedback from product or other teams.
• Maintain Interest generator  tool and  Work together with the rest of the Lending team to ensure accurate interest generation and subsequent posting on customer accounts.
• Build communication regarding charging of interest to customers.
• Serve as the Lending teams facilitator for any mass communication to customers such as SMS’s, emails by ensuring communication is in line with SENDY’s  external communication policy.
• Send communications to the targeted parties.
• Actively participate in developing reports consistent with the Lending teams changing needs
• Generate, prioritize customers to call  in a timely manner and work together with team members to develop call scripts.
• Develop  and maintain call analysis reports.
• Actively participate in the implementation of collection and lending policies such as Properly authenticating, categorizing and escalating issues experienced by clients.
• Visiting customers to authenticate claims purported to interfere with repayment patterns.
• Accurately filling in weekly/monthly reports pertaining to collections and communicating observations for review.
• Identify  customers’ or partners  needs, clarify information, research every issue and provide solutions and/or alternatives.
• Resolve customer,partners, salesforce  complaints  through consultation with Tech and other departments within an acceptable turnaround time.
• Any other tasks assigned by management.

We know you are the best because you have:

• Diploma or degree in Business or its equivalent.
• Working knowledge in lending and collection.
• Proven experience as a lender, collector or a similar role.
• Working knowledge of MS Excel.
• Comfortable working with targets
• Patience and ability to manage stress.
• Excellent communication skills (written and oral)
• Skilled in negotiation
• Problem-solving skills

How shall we know you are winning in this role?

• To ensure smooth operationalization of Financial services customer facing activities
• To improve compliance daily interest charging
• To ensure generation of interest income.
• To ensure appropriate monitoring of all loans granted.
• To ensure that loans are paid when they fall due.
• To ensure that customers are objectively communicated when their loans fall into arrears.
• To ensure compliance with provisions of financial services SOP on credit provision.
• To ensure that all risks inherent in the process are identified and mitigated.