The Credit Officer– Logbook Loans will be responsible for managing the end-to-end credit process for logbook loan applications, from assessing client eligibility to disbursing funds and ensuring compliance with company policies and regulations. This role involves conducting thorough credit assessments, evaluating collateral (logbooks), and managing customer relationships to ensure timely repayment... and risk mitigation. This position plays a critical role in driving business growth by maintaining a balance between effective loan issuance and minimizing credit risk.

 Key Responsibilities:


Business Development: Build and nurture relationships with potential customers to grow the company’s loan book by sourcing new logbook loan applications.
LeadGeneration: Identify and generate leads for logbook loans through targeted marketing, networking, and outreach efforts.
Self-Motivation&Deadlines: Demonstrate a proactive approach in driving sales and achieving targets, while adhering to deadlines and aligning with the company culture.
CreditAppraisals&Reviews: Conduct comprehensive credit appraisals, perform financial analysis, and present findings to the credit committee for approval.
Sales Strategy: Develop targeted sales plans, create lead lists, and execute activities to expand the customer base.
Sales Execution: Conduct daily sales calls to prioritize leads, manage relationships, and successfully close loan deals.
Compliance: Ensure that all loan applications meet the company’s credit policies and regulatory guidelines.
Customer Relationship Management: Strengthen relationships with existing clients while developing new opportunities within the designated market segment to meet Asset-Based Finance targets.
Process Improvement: Continuously evaluate business processes and suggest improvements to increase operational efficiency and effectiveness.


 Qualifications andSkillsRequirements:


Education: Relevant Bachelor’s degree or Diploma from a reputable institution.
Experience: At least 2 years of experience in selling logbook loans or similar secured  lending products.
Communication Skills: Strong verbal and written communication skills, with the ability to engage effectively with clients and team members.
Team Player: Ability to collaborate with colleagues and contribute to a positive team environment.
Computer Skills: Proficient in Microsoft Office Suite and loan management software.
Customer Focus: Strong customer service orientation, with a keen understanding of commercial and business needs.
Attention to Detail: Highly organized, with a strong focus on accuracy and thoroughness in all tasks.
Sales Expertise: Demonstrated ability to close sales, build client relationships, and meet targets. more

Position Overview:
We are seeking a dynamic and results-driven Sales Manager to lead our business and digital loans sales team. The Sales Manager will be responsible for driving business growth through the acquisition of new clients and the expansion of existing client relationships. The ideal candidate will possess a strong background in sales leadership, a deep understanding of the... microfinance/financial industry, and a passion for driving financial inclusion.
Key Responsibilities:

Develop and implement strategic sales plans to achieve business loan targets and objectives.
Build, motivate, and mentor a team of sales representatives to achieve individual and team targets.
Identify and pursue new business opportunities through market research, networking, and lead generation activities.
Build and maintain strong relationships with SMEs, entrepreneurs, and business owners to understand their financial needs and offer tailored loan solutions.
Collaborate with internal stakeholders, including credit risk analysts and loan officers, to ensure timely and accurate processing of loan applications.
Monitor sales performance metrics, analyse sales data, and generate regular reports to track progress towards targets and identify areas for improvement.
Stay abreast of industry trends, competitor activities, and regulatory developments to inform strategic decision-making and market positioning.
Provide ongoing training, coaching, and support to sales team members to enhance their skills and capabilities.
Represent the company at industry events, conferences, and client meetings to promote our products and services and build brand awareness.
Uphold compliance with regulatory requirements, internal policies, and ethical standards in all sales activities.

Qualifications:

Bachelor's degree in business administration, finance, marketing, or related field.
Proven 5+ years of experience with a track record of success in sales leadership roles, preferably within the microfinance or financial services industry. (Experience in BNPL, Check off loans partnership and logbook loans)
Strong understanding of business lending products, credit risk assessment, and loan underwriting processes.
Excellent leadership, communication, and interpersonal skills with the ability to inspire and motivate a team.
Demonstrated ability to develop and execute strategic sales plans to achieve business objectives.
Sound analytical and problem-solving skills with the ability to interpret sales data and make data-driven decisions.
Proactive mindset with a strong drive for results and a commitment to customer satisfaction.
Ability to work effectively in a fast-paced, dynamic environment with changing priorities.
Knowledge of local market dynamics, regulatory requirements, and competitive landscape.
Proficiency in Microsoft Office Suite and CRM software. more

In this role, you will be responsible for delivering exceptional customer service experiences to our clients. You will play a crucial role in addressing inquiries, resolving issues, and providing guidance related to our digital lending and logbook loan services. Additionally, you will be tasked with fostering strong relationships with relevant stakeholders. If you are passionate about customer... service and eager to make a difference, we would loveto hear from you!
Key Responsibilities:

Serve as the primary point of contact for customer inquiries via phone, email, and live chat.
Provide accurate and timely information regarding our digital lending and logbook loan products, including application processes, eligibility criteria, and repayment terms.
Assist customers in navigating our online platform, including account registration, loan applications, and document submissions.
Address customer concerns and inquiries with professionalism and empathy, ensuring prompt resolution.
Collaborate with internal teams (operations, collections) to ensure seamless customer experiences.
Educate customers on financial literacy, responsible borrowing practices, and loan repayment strategies.
Adhere to regulatory guidelines and company policies to protect customer information and ensure compliance.
Maintain accurate records of customer interactions, inquiries, and resolutions.
Participate in training and professional development programs to stay updated on industry trends and best practices.
Respond efficiently to customer inquiries on our text-based chat platform (Fresh Chat) and social media channels (Facebook, Twitter, Instagram, Google Play).
Handle inbound calls and resolve queries related to all loan products.
Ensure daily contact with allocated accounts to enhance customer satisfaction.
Collect and report customer feedback to improve loan products and the borrowing experience.
Conduct customer education calls to guide clients on maximizing our loan products.
Act as a brand ambassador, marketing our products during customer interactions.
Assist in payment reconciliations and perform any other duties assigned by your supervisor.

Qualifications:

Bachelor’s degree or Diploma in Business Administration or a related field preferred.
Proven 5 years of experience in customer service, preferably within the Micro Finance Services industry.
Excellent verbal and written communication skills, capable of articulating complex information clearly.
Strong interpersonal skills with the ability to empathize while maintaining professionalism.
Proficiency in digital communication channels and Microsoft Office applications.
Detail-oriented with exceptional organizational and multitasking abilities.
Ability to thrive in a fast-paced environment and adapt to changing priorities.
Knowledge of lending principles, credit products, and regulatory requirements is preferred.
Commitment to delivering exceptional customer experiences and building long-term client relationships.
High integrity and a strong work ethic. more