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Tata International Limited (TIL) is a global trading and distribution company with a presence in manufacturing and supply chain integration in select businesses. With a network of offices and subsidiaries in more than 39 countries across Africa, Asia, Europe and the Americas, we leverage our worldwide presence and our sourcing and marketing competencies to w...
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Job Purpose: This position is responsible in Credit department for Alliance Finance Corporation Limited
Department: AFCL-Credit
Level/ Band: L2
Key Responsibilities:
- Responsible for the review and approval of commercial credit proposals and to maintain a good balance between returns and risks exposure, defining limit of credit exposure based on financial assessments.
- Leads a team of credit approvers to ensure high standard credit quality of the portfolio by using various credit assessment tools
- Engage in the development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team members
- Review and develop credit approval policies and guidelines as well as participate in ad hoc projects of investigative or trouble-shooting nature on specific customer portfolio
- Ensure debt recovery procedures are fully effective and all available recovery options are utilized to maximize recovery outcomes. Manage any ‘extreme’ credit control situations
- Monitor credit granting process, including the consistent application of a credit policy, periodic credit reviews of existing customers, and the assessment of the creditworthiness of potential customers, with the goal of optimizing the mix of company sales and bad debt losses.
- Ensure compliance to company policy and submitting of various monthly reports and data to management and credit bureau as per banking regulations
- Maintain a department organizational structure sufficient to meet all goals and objective, Measure department performance with appropriate metrics
Desired Profile:
- Must have excellent communication and inter-personal skills
- High level understanding of retail finance is must.
- Must have experience in credit risk management.
Educational Qualifications:
- Commerce or Finance Graduate.
- Preferable MBA
Relevant years of Experience:
- Between 8-10 yrs of experience (overall)
Competencies:
- Relationship building
- Communication &Interpersonal skills
- Presentation skills.
- Credit & Risk management
Reports To: CFO
Reportees: Credit Managers, Collection Managers
Industry Preference: Bank/NBFC
Location: Nairobi
Age Limit: Above 30 yrs
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Job Purpose: This position is responsible for Collection / Recovery of outstanding in Auto Business
Division and Department: AFCL – Collections
Level / Band: L4
Key Responsibilities:
- Follow-up with overdue customers over phone, serving notices and field visit
- Organize debtor list according to severity of delinquency, ensure all client are contacted and notify reporting manager on difficult accounts
- Keep track of assigned accounts to identify outstanding debts create a list of customers who have not made payments on daily basis and reporting
- Record new commitment to repay debt, determine if debt can be collected and accordingly recommend for recovery
- Accountable for reducing delinquency for assigned accounts
- Perform other assigned tasks and duties necessary to support the Accounts Receivable Department.
- Providing customer service regarding collection issues, resolve client discrepancies and short payments.
- Responsible for monitoring and maintaining assigned accounts- Customer calls, account adjustments and customer reconciliations
Desired Profile:
- Must have Collection / Credit exposure
- Must have excellent communication and inter-personal skills
- Understanding of retail finance
- Must have experience in debt collection and credit management
Educational Qualifications:
- Commerce or Finance Graduate
Relevant years of Experience:
- Between 8-10 yrs of experience (overall)
Competencies:
- Relationship building
- Communication &Interpersonal skills
- Presentation skills.
- Debt Collection
- Credit management
Reports To: Collection Manager
Reportees: N/A
Industry Preference: Bank / NBFC
Location and Vertical: Nairobi
Age Limit: Above 30 yrs
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Job Purpose: This position is responsible in Credit department for Alliance Finance Corporation Limited
Department: AFCL – Credit
Level / Band: L4 / L3
Key Responsibilities:
- Responsible for the review and approval of commercial credit proposals, Credit assessment and credit worthiness of the customer
- Meet with applicants to obtain information for loan applications and to answer questions about the process
- Obtain and compile copies of loan applicants’ credit histories, corporate financial statements, and other financial information.
- File Verification in terms of established credit guidelines, process and approval, maintain a good balance between returns and risks exposure,
- Review loan agreements to ensure that they are complete and accurate according to policy
- Stay abreast of new types of loans and other financial services and products in order to better meet customers’ needs.
- Handle customer complaints and take appropriate action to resolve them
- Market financial products to individuals and firms, promoting AFCL services that may meet customers’ needs
- Updating and Submitting monthly data to credit bureau as per banking regulations ,updating and preparing daily reports
- Ensure all regular monthly reporting is generated for management review
Desired Profile:
- Must have Credit management exposure
- Must have excellent communication and inter-personal skills
- Understanding of retail finance
Educational Qualifications:
- Commerce or Finance Graduate
Relevant years of Experience:
- Between 4-6 yrs of experience (overall)
Competencies:
- Relationship building
- Communication & Interpersonal skills
- Presentation skills.
- Credit management
Reports To: Credit Manager
Reportees: Back Office
Industry Preference: Bank / NBFC
Location: Nairobi
Age Limit: Above 30 yrs
go to method of application »
Job Purpose: This position is responsible in Credit department for Alliance Finance Corporation Limited
Department: AFCL – Credit
Level / Band: L4 / L3
Key Responsibilities:
- Providing information to customers by telephone, in written form, e-mail, or in person.
- Obtain and compile copies of loan applicants’ credit histories, corporate financial statements, and other financial information.
- Review and update credit and loan files in system
- Prepare loan agreements and ensure that they are complete and accurate according to policy
- Stay abreast of new types of loans and other financial services and products in order to better meet customers’ needs.
- Submit applications to credit analysts for verification and recommendation
- Handle customer complaints and take appropriate action to resolve them
- Updating and preparing daily reports
- Credit application processing in system, updation of credit bureau data
Desired Profile:
- Must have Credit management exposure
- Must have excellent communication and inter-personal skills
- Understanding of retail finance
Educational Qualifications:
- Commerce or Finance Graduate
Relevant years of Experience:
- Between 4-6 yrs of experience (overall)
Competencies:
- Relationship building
- Communication & Interpersonal skills
- Presentation skills.
- Credit management
Reports To: Credit Manager
Reportees: Back Office
Industry Preference: Bank / NBFC
Location: Nairobi
Age Limit: Above 30 yrs
Method of Application
Interested candidates should forward CVs to hr.kenya@tatainternational.com by C.O.B 20th Feb 2019
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