Credit Officer II at Mobile Financial Solutions

Job Grade:          Grade 6,

Department:      Retail Services,

Section / Unit:   Mobiloan,

Reporting Relationships ,

Reports to:         Area Lead / Sector Manager,

Direct reports:   N/A,

Job Purpose

• Generate revenue through consistent delivery of customer, disbursement, and collection targets.
• Cross-sell MyMobi Micro Services within Mobiloan e.g. Savings, Insurance, etc.
• Deliver first rate customer service by building strong customer relationships.
• Conduct proper due diligence and KYC to ensure we have sufficient information to advise customers on suitable products and services.
• Drive repayment behaviour by lending only what the business can afford, consistent follow-up, maintaining accurate records, negotiating repayment schedules and setting discretionary limits.

Key Responsibilities

• Analyse your zone and develop referral networks in order to locate prospects for MFS products.
• Scout markets for activation within the assigned zones.
• Establish, develop, and maintain positive relationship with MFS Customers, Partners, Area Leaders and relevant local authorities.
• Present, promote and sell MFS products using solid arguments to existing and prospective customers.
• Obtain information from loan applicants and answer questions about loan process.
• Analyse and verify applicant’s financial status, personal and business information to determine feasibility of granting loans.
• Ensure efficient and prompt recovery of loans disbursed and interest accrued.
• Negotiate payment arrangements with customers who have delinquent loans.
• Maintain clear customer records, recording times and dates that contact has been made and noting information that customers have received about MFS products.
• Supply the business with reports on customer needs, problems, interests, competitive activities, and potential for new products and services.
• Handle customer complaints and take appropriate action to resolve them.
• Any other duties that may be assigned from time to time.

Job Competencies (Knowledge, Experience and Attributes/Skills)

Academic Qualifications and Experience

• A good level of general education – Diploma or Degree
• Education background in Business Administration or Sales & Marketing
• Computer literacy
• Experience in a related field working with customers at the bottom of the pyramid will be an added advantage
• Tangible experience in Microfinance

Competencies and Attributes/Skills

• Self-starter with a bias for action and achieving results
• Passionate about closing sales in the Financial Services Sector
• Effective listening, verbal, and written communication skills.
• Excellent relationship management skills
• Excellent analytical, communication, negotiation, and presentation skills
• Able to analyse customer financial status and advise on suitable products and limits.
• Detail-oriented professional who takes accurate and informative notes for customer records and follow proper company procedures.
• Team player who works productively with a wide range of people.
• Demonstrated integrity and ethical standards.