Job Description

As a Credit Sales Officer, you will play a vital role in expanding our client base and driving revenue growth by promoting and selling credit products and services.
You will work closely with clients to understand their financial needs, assess creditworthiness, and provide tailored solutions.
This role requires strong interpersonal skills, a deep understanding of financial... products, and the ability to build lasting customer relationships.

Key Responsibilities:
Client Relationship Building:

Develop and maintain strong relationships with existing clients while actively seeking new business opportunities.
Understand clients' financial goals and needs to offer suitable credit solutions.

Credit Assessment:

Evaluate clients' credit applications, financial documents, and credit history to determine their creditworthiness.
Analyze risk factors and use credit scoring models to make informed lending decisions.

Sales and Business Development:

Promote and sell a variety of credit products and services to individual and business clients.
Identify potential clients through market research, networking, and referrals.

Customized Solutions:

Collaborate with clients to understand their financial situation and recommend credit solutions tailored to their needs.
Explain the features, terms, and benefits of different credit options to assist clients in making informed decisions.

Negotiation and Deal Closure:

Negotiate terms, interest rates, and repayment schedules with clients to arrive at mutually acceptable agreements.
Ensure compliance with company policies and regulations during the negotiation process.

Documentation and Compliance:

Prepare accurate and complete credit applications, ensuring all necessary documentation is provided and verified.
Ensure compliance with legal and regulatory requirements throughout the lending process.

Sales Targets and Reporting:

Work towards achieving sales targets and quotas set by the company.
Maintain accurate records of sales activities, client interactions, and outcomes.

Market Insights and Feedback:
 

Stay informed about industry trends, competitive offerings, and market dynamics.
Provide feedback to the management team about client preferences and market demands.

Qualifications and Requirements:

Bachelor's degree in Finance, Business Administration, Economics, or a related field.
Proven experience (3 years) in sales or business development, preferably within the credit sector.
Strong knowledge of credit products, lending practices, and financial regulations.
Excellent interpersonal and communication skills.
Ability to assess credit risk and make informed lending decisions.
Results-oriented with a proven track record of meeting or exceeding sales targets.
Proficiency in using CRM software, Microsoft Office Suite, and other relevant tools.
Strong negotiation and problem-solving abilities.
Attention to detail and accuracy in documentation.
Ethical conduct and adherence to confidentiality guidelines. more

Job Description

The ideal candidate has a customer-first mindset and aims to deliver high-quality service in every customer interaction.

Responsibilities:

Manage inbound customer communications - Answer incoming calls and emails to address customer questions, requests and issues.
Consult on customer success - Advise customers on how to successfully leverage the product/service based on... their unique needs.
Maintain working product knowledge - Act as a product expert to ensure the information given to customers is accurate, up-to-date and strategic.
Track interactions in CRM - Record customer interactions in the internal system for cross-functional awareness and relationship development.
Assist customers with any queries they may have via calls, email, chat and/or social media
Represent the brand in a professional and friendly manner
Empathize with and prioritize customer needs, escalating issues to internal teams as appropriate
Demonstrate ownership in documenting and resolving customer issues
Ability to multi-task on assigned tasks

Requirements:

Bachelor’s degree or equivalent
0 - 1+ year(s) proven experience in supporting client success
Excellent written and verbal communication skills
Understanding of financial services and smartphone apps more

Key Responsibilities:

Expanding payment channels and creating new payment solutions via Financial Institutions (Banks, MNOs, Fintechs, etc.).
Developing and executing strategies for growing and sustaining Palmpay’s vibrant culture.
Fully involved in all steps to onboard Financial Institutions from zero to go live with relevant internal and external stakeholders.
Building and nurturing... relationships with top level partners.
Monitoring and responding to trends and competitor offerings to provide solutions and improve service.
Working closely with internal Products, Integration, Operations, Settlement, Reconciliation and Compliance teams to fully understand payment channel requirements and provide solutions.
Negotiation of deals to cut cost and increase revenue for Company. Qualification & Required Skills
Experience in Financial Institutions especially for Payment, Banking and Lending Industries
Analytical and Presentation skills
Strategic partnership skills
At least 3 years relevant working experience on dealing with Banks/Fintech/Billers in the positions of BDM, Strategy Manager, Product Manager or Project Manager
Extremely result-oriented, realistic and reliable; able to work with aggressive timelines
Ability to multi-task and under constant pressure, positive attitude, good interpersonal and business negotiation – presentation skills. Bachelor’s Degree qualification. 

Other Requirements:

Entrepreneurial mindset in decision making and managing resources
Logical decision-making abilities. more

This role is based in Kamburu Dr Nairobi, and our ideal candidate should have excellent communication, organization and management abilities, including the ability to work and function in a multicultural environment and should have experience working in the mobile payments industry to join the local team and provide intuitive and excellent leadership for the HR department. You will be fit for this... role if you can evaluate and analyze complex information and you have a natural desire to organize and manage people; and if you can take charge of coordinating an organization’s administration system and general workflows, supervising staff, facilitating communication throughout a company and developing procedures to make a workplace more efficient.
Tasks And Responsibilities

Manage the staffing process, including recruiting, interviewing, hiring and onboarding
Ensure job descriptions are up to date and compliant with all local, state and federal regulations
Develop training materials and performance management programs to help ensure employees understand their job responsibilities
Create a compensation strategy for all employees based on market research and pay surveys; keeps the strategy up to date
Investigate employee issues and conflicts and bring them to resolution
Ensure the organization’s compliance with local, state and federal regulations
Use performance management tools to provide guidance and feedback to the team
Ensure all company HR policies are applied consistently
Maintain company organization charts and employee directory
Partner with management to ensure strategic HR goals are aligned with business initiatives
Maintain HR systems and processes
Conduct performance and salary reviews
Provide support and guidance to HR staff
Analyze trends in compensation and benefits
Design and implement employee retention strategies

Qualification And Skills

Bachelor’s Degree in Business Administration; IRPM or a related field; with a specialization in Human Resources Management
Professional HR qualification certificate is an added advantage;
Must have a minimum of 5 years of experience working in a similar role and financial institutions experience.
Strong analytical and excellent presentation skills;
Language proficiency in English; and excellent communication (Oral & Written)
Flexibility, resourcefulness, and a can-do attitude;
Work collaboratively with colleagues and perform other duties as reasonably required to achieve the goals of the company. more

Responsibilities

Develop and execute processes, standards, guidelines, and service-level agreements for partnering organizations.
Attend to customer and merchant disputes and ensure prompt resolution.
Liaise with banks and aggregators on settlement discrepancies.
Identifying, negotiating, and closing partnership deals on direct product offerings.
Liaising with switching companies and card... schemes on Settlement issues
Reconciliation of transactions routed through various payment platforms
Daily reconciliation of accounts for exceptions and subsequent escalation of exceptions to the switch and other vendors or third parties for resolution.
Ensures timely reconciliation of all transactions done on the terminals.
Ensure daily validation of transaction posting on the system.

Specifications & Requirements

Creative thinker and problem solver who can resolve issues arising from online transactions timely and efficient.
A self-starter and self-motivated person who is able to influence and direct the settlements and reconciliation process.
Passionate about solving problems and is focused on customer experience and outcomes.
Strong communication skills to solve the settlement related issues with external channels effectively

Requirements

A Bachelor's Degree or its equivalent
At least 2 years’ experience in reconciliation and settlement
At least 4 years in Digital Financial Services or banking industry experience
At least 2years’ experience in business development and continuity.
Experience with electronic payment systems
In-depth knowledge of payment processing gateways
Experience in Advanced Excel
Organization and Time management skills
Proficiency in the use of MS office Suites.
Excellent communication skills and interpersonal skills.
Attention to detail and accuracy more