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  • Posted: Feb 4, 2019
    Deadline: Not specified
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    4G Capital (4th Generation Capital) is Africa's fastest fintech providing ethical credit services to those who require it most. We provide rapidly accessible and affordable unsecured loans with strict affordability criteria to prevent unmanageable debt. Our customers are mainly small businesses and entrepreneurs who use our credit to grow their businesses ...
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    Collection Officer

    Job Description

    ROLES AND RESPONSIBILITIES

    • Generate Revenue: Consistent delivery of monthly disbursement and collection targets. This includes sales, lead generation, customer onboarding and site visit, loan application and collection.
    • Customer Service Delivery: Deliver first-rate customer service through consistent follow-up, and customer education
    • Know-Your-Customer and Due Diligence: As the first point of contact of the business with the customer, conduct proper due diligence and KYC to ensure that the customer is a viable customer in accordance with laid down procedures. 
    • Relationship management: Work with partnered Loans Officer to serve customers by a relationship management approach, gather intel and create and maintain relationships with market authorities.
    • Repayment: In charge of pair’s repayment rate through consistent follow-up, maintaining accurate interactions on company systems, negotiation of repayment schedules, and setting discretionary limits on loan amounts. The Collection Officer uses ‘soft’ (non-intrusive) collection methods to get repayments from the customer.
    • Reporting: Document all customer interactions on Merlin from lead generation, customer follow-up and education, intel on customers or customer market area, and all collection measures taken. Assist in accurate and timely reporting of Management Information and market feedback to report on customer preferences, trends and market opportunities.
    • Performing such other tasks and duties as the Company may from time to time designate as forming part of this job description

    COMPETENCIES 

    Personal Attributes 

    • Integrity and ability to work in informal market
    • IT Literate: Able to use Apps and write reports
    • Ability to create and maintain relationships
    • Team player
    • High Motivation & energy
    • Self-starter 
    • Functional problem solver
    • Process Discipline – ability to follow Standard Operating Procedures

    go to method of application »

    Field Collections Agent / Debt Collections Agent

    Job Description

    DEPARTMENT: Collections Cell

    REPORTING LINE: Collections Manager

    RESPONSIBILITIES

    Manage team performance and ensure that:

    • Ensure all work queues are acted upon.
    • Ensure all PTP information to be captured accurately.
    • Contact defaulting customers either by calling or visiting them with an aim of negotiating a settlement of the arrears
    • Ensure allocated accounts are monitored on a daily basis and appropriate actions taken to ensure that the collection portfolio remains within accepted limits through the application of sound credit judgment within policy guidelines.
    • To investigate and resolve any customer queries and complaints through verbal or written correspondence in line with 4G Capital policies. 
    • To achieve the monthly collection targets.
    • To ensure that all communication whether written or oral to be in line with the 4G Capital quality standards.
    • Identify and escalate deceased or disabled customers to collections management for review or collection termination.
    • Perform field visits and submit reports/action plans to recover debt.
    • Work closely with the branches on their bad debt portfolio

    Other duties include:

    • Conduct field visit assessment before the agents visit the market areas.
    • Manage relationships with local authorities and Security Officers
    • Plan and organize field collection drives across all branches.
    • Flag BFCs to be forwarded to the EDC for action
    • Perform any other duties as the company may from time to time designate as forming part of this job description

    QUALIFICATIONS, SKILLS & EXPERIENCE REQUIRED.

    • 1-2 years of collections experience
    • A good level of general education – completion of Grade 12
    • Computer literacy
    • Previous experience in retail or financial services advantageous
    • Fluent in English (written and verbal) and Swahili

    COMPETENCIES REQUIRED FOR THIS ROLE.

    • Team Player
    • Detail orientation
    • Self-motivated and pro – active
    • Flexibility and ability to adapt to change
    • Problem solving / solution driven / negotiation
    • Confident
    • Excellent communication skills – articulate and well spoken

    Method of Application

    Please send your CV and application letter to to careers@4g-capital.com

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