We’re looking for a dynamic and driven Partnership Sales Officer – Check off partnerships,BNPL to join our team. In this role, you’ll be at the heart of our efforts to bring in new partners who can help us grow and improve our Checkoff and BNPL Partnerships loans. 
You’ll play a key part in identifying potential partnerships with employees and suppliers and nurturing relationships that align... with our mission. 


What You’ll Do 


Find New Partners: Your job will be to scout out new business opportunities and  partnerships (Employers and suppliers) that can help BAYES reach more customers  and offer more financial solutions. 
Build Strong Relationships:You’ll ensure that we’re on the same page with our  partners and that we’re both working towards common goals. 
Negotiate & Close Deals: You’ll handle the discussions and negotiations with potential  partners, working to establish win-win agreements that benefit both parties. 
Work Closely with Teams: You’ll collaborate with our sales, product, and marketing  teams to ensure that our partnerships are aligned with what BAYES needs and that  we’re offering the best solutions to our partners. 
Track Success: After a partnership is formed, you’ll stay engaged to make sure things  are running smoothly. You’ll evaluate the performance of our partnerships and  suggest ways to improve and grow them. 
Stay Informed: The world of digital lending and fintech is constantly changing. You’ll  bring fresh insights into the team and help BAYES stay ahead of the curve. 


What We’re Looking For: 


You have at least 2-3 years of experience in partnership management, business  development, or sales ideally on Check off partnerships with a Digital credit provider  or microfinance. 
Hands on experience in selling check off partnership loans. 
You're an effective communicator with the ability to build strong relationships and  connect with people. 
You’re a negotiator and know how to bring people to the table and find common  ground. 
You’re self-motivated and can manage your time and priorities well. You’re also a  team player who enjoys working together to solve challenges. 
You’re passionate about your role and the potential it has to transform BAYES. more

Position Summary: 


The Assistant Collections Team Lead plays a pivotal role in driving collection performance and ensuring the timely recovery of outstanding debts. This individual will support the Collections Team Leader in managing the team, achieving collection targets, improving processes, and maintaining strong customer relationships. The Assistant Collections Team Lead will also take... on direct collections responsibilities and step in for the Team Leader in their absence. 


Key Responsibilities: 


Drive Collection Targets: 
Monitor daily, weekly, and monthly collection goals, ensuring that the collections team consistently meets or exceeds set targets. 
Implement strategies to enhance team performance and improve the efficiency of the collection process. 
Provide coaching, guidance, and support to team members, helping them achieve both individual and team targets. 
Engage in Direct Collections: 
Proactively engage in follow-ups with debtors to ensure timely payments. 
Take responsibility for managing complex or high-priority accounts that require immediate attention and resolution. 
Actively contact clients or customers to collect outstanding payments while maintaining a professional and empathetic approach. 
Deputize the Collections Team Leader: 
Step in for the Collections Team Leader during their absence, assuming all team management responsibilities. 
Collaborate with the Team Leader to set departmental strategies, goals, and  key performance indicators (KPIs). 
Assist in the recruitment, training, and development of collections team  members to ensure they have the necessary skills to meet performance  expectations. 
Address escalated issues, customer disputes, and challenges within the collections process, providing prompt resolutions. 
Provide regular feedback to the Team Leader on the team's performance, challenges, and areas for improvement. 
Reporting & Documentation: 
Maintain accurate records of all collections activities, including debtor communications, payment status, and account updates. 
Generate regular reports on team performance, outstanding balances, and  trends in customer payments. 
Prepare updates and reports for senior management, outlining successes, challenges, and opportunities for improvement. 
Process Improvement: 
Continuously analyze the collections process to identify inefficiencies and  areas for optimization. 
Suggest and implement improvements that enhance collections outcomes,  reduce delinquencies, and improve overall departmental performance. 
Customer Relationship Management: 
Build and nurture strong relationships with clients to encourage timely  payments and repeat business. 
Address any customer concerns, disputes, or complaints professionally and  seek resolution to maintain a positive customer experience. 


Qualifications: 


A degree or diploma in a business-related field. 
At least 4 years of experience in a credit collections role, preferably within a  microfinance, EDC, or Digital Lending company. 
Minimum of 1 year of experience in managing or supervising a collections team. 
Professional training or certification in credit management is an added advantage. 
Strong communication and negotiation skills, with the ability to manage difficult  conversations effectively. 
A results-driven individual who thrives in a target-oriented environment. 
Knowledge of microfinance industry regulations, policies, and best practices is a plus. 


Additional Skills and Attributes: 


Strong team management abilities. 
Ability to adapt to a fast-paced and dynamic work environment. 
Proficient in using collections software, CRM systems, and Microsoft Office Suite (Excel,  Word, PowerPoint). 
High level of integrity and a customer-focused mindset. more

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