Job Openings at Granary Capital Limited

Reporting to                  : Branch Manager

Other Relationships      : Marketing, Credit, Customer Service, HR, Finance & IT

Job Description Summary

• You will be responsible for managing business development in a designated territory;
• Gaining new clients as well as maintaining existing ones, development of new loans, prompts
• Payment of loans, design and implement control measures and monitoring plans for compliance and operation risk management.

Roles and Responsibilities

• Development of new loan with a weekly target Achieve volume and Value targets in order to contribute to the overall goals of the MFI.
• Building a sound relationship with company business partners, vendors and Customers.
• Creating new business opportunities( seek new clients)
• Loan assessment, appraisals and approvals
• Develop a good marketing plan for the company’s products and business.
• Ensure prompt loan repayments’ and recoveries.
• Creation of financial projections for growth and profitability.
• Track and analyze micro finance & economic trends and make any recommendation to the MFI
• Analyze applicant’s financial status, credit and property evaluations to determine feasibility of granting loans.
• Review and update credit/loan files
• Liaison with other service providers
• Gathering marketing intelligence
• Analyze potential loan markets and develop referral networks in order to locate loans.

Minimum qualifications, experience & competencies required:

• Diploma in a business related field.
• Good negotiation skills
• Ability to maintain confidentiality, tact and discretion when dealing with people and records.
• High integrity and dependability.
• Ability to build and maintain productive working relationships in a multi-functional environment.
• Strong presentation skills including excellent oral communication skills, passion to make yourself understood and engaging in a pleasant way.

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Reporting to               :Debt Collector  Manager

Other Relationships  : Marketing, Credit, Customer Service, HR, Finance , Operations & IT

Job Description Summary

Debt collector will effectively manage the company’s credit/Debit policy and minimize overdue debtor’s balances.

Roles and Responsibilities

• Utilize various tracing techniques and strategies to collect personal information of customers with outstanding debts.
• Contact customers with balances and negotiate payment terms and schedules.
• Minimize objections for payment and suggest available customer-friendly payment options.
• Negotiate extended payment plans and the best course of action for customers seeking to avoid further debts
• Use the provided plat forms  to keep detailed records regarding conversations with customers and outcomes.
• Offer clients several payment options and arrange for the prompt repayment of balances.
• Communicate with management and other team members about methods and strategies to ensure a positive rate of customers agreeing to repay their debts.
• Follow up all outstanding debts for customer accounts that have
  defaulted in liaison with operations maanger and branch manager.
•  Handle disputed issues and negotiate to bring payment within the agreed terms.

Minimum qualifications, experience & competencies required:

• 1-3 years collection experience preferred
• Excellent communication and negotiation skills
• Ability to positively connect with clients and encourage them to make payments toward debts owed
• Time management skills are essential to complete all required client calls daily
• Experience meeting retention and negotiation sales goals
• Basic computer software skills and the ability to work within relevant data spreadsheets
• Ability to work well in a fast-paced environment
• Attention to detail and the ability to reason and think quickly is essential for negotiating effectively
• Strong attention to detail, goal oriented and a team player with a flexible approach.