Credit Officer - Kisumu at Sanergy

About the role

The Credit Officer will be a member of the Credit Team for the Fresh Life network. They will work in collaboration with our customer support team, Sales & Operations and Finance Team. The Credit Team Officer is responsible for credit monitoring and delinquency management of the assigned portfolio for fresh life customers.

Duties and Responsibilities

• Issuing receipts and reports to Fresh Life Operators regarding account status.
• Customer credit vetting before onboarding.
• Follow up on payment on overdue customer accounts. 
• Liaise with Credit Manager to maintain loan schedule and perform portfolio at risk analysis on a weekly basis.
• Review arrears, monitor progress of existing loans, assess clients’ financial status on repayments and ensure achievement of set targets for the collections of invoices.
• Refer unresolved cases to the Credit Manager, prepare weekly reports on collections received, follow ups done and commitment dates agreed on.
• Working with the clients on an agreed payment plan, send reminders before agreed due dates, handle customer complaints, answer queries and offer advice to the clients through call follow ups and sms. 
• Maintain updated records of outstanding balances, drive repayment behavior, follow up with clients about repayment plans and advise clients accordingly.
• Analyze his/her portfolio data using excel functions
• Collaborate with other teammates in the organization to ensure that our customers receive effective and efficient services.

Qualifications

1. Bachelor's degree of Commerce or other business related degree from a recognized university 
2. Experience and knowledge of credit evaluation 
3. Proficiency in MS Office Suite.
4. Good financial analytical skills and attention to detail. 
5. Good communicator (oral/written in English & Swahili).  
6. A team player with great presentation skills. 
7. Call Center Supervisor experience desired.