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  • Posted: Apr 14, 2022
    Deadline: Apr 21, 2022
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    Winock is a registered Nigerian company established in 2016, specialising in flexible and cost-effective equipment rent to own service for micro-businesses. We officially started operations in 2017, providing Solar equipment leasing services to customers such as phone chargers and barbers. In 2019, we switched to rent to own to enable our customers to own th...
    Read more about this company

     

    Debt Recovery / Credit Manager

    Job Objective

    • Oversee the company’s lending process, creating credit scoring models, setting loan terms and determining interest rates; minimize bad debts and increase revenues from loans.

    Key Responsibilities
    The Job responsibilities include without limitation, the following:

    Debt Recovery:

    • Recover bad debts from delinquent debtors.
    • Obtain delinquent reports for all assigned defaulting portfolios and manage the recovery process.
    • Reduce the non-performing loans
    • Design work-out payment plans for debtors
    • Develop options and alternatives that guarantee an effective recovery process, by devising customized recovery strategies on a case by case basis.
    • Respond and enforce the firm's policy issues to clients, such as fraud, breach of contract etc.
    • Maintain appropriate and comprehensive records of customer discussions.
    • Manage all assets (vehicles, income-generating assets, personal assets and inventories) presented for repossession in line with the firm's processes and procedures.
    • Maintain confidentiality while handling customer enquiries and information.
    • Deliver high quality, efficient, responsive and professional service during the recovery process that portraits the firm's ethical conduct.

    Credit Manager Responsibilities:

    • Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and annual due diligence.
    • Acts as a liaison between financial institutions, individuals and businesses applying for loans , as well as process loan application
    • Research and evaluate clients’ creditworthiness
    • Present analysis, findings, and recommendations to managers, especially findings that involve a borrower’s ability to repay
    • Create credit scoring models, both mathematical and statistical ones that directly relate to the risk being measured or predicted risk.
    • Approve or reject loan requests, based on credibility and potential revenues and losses
    • Calculate and set interest rates
    • Monitor payments

    Qualifications and Experience

    • Graduate (BSc) degree or HND in any field.
    • Having field work experience with minimum 5 years experience
    • Having relevant experience is an added advantage.

    Functional Competencies and Skills:

    • Effective communication / interpersonal skills with people at all levels, including ability to use tact, diplomacy and persuasiveness
    • Strong leadership negotiation and problem solving skills
    • Detailed knowledge of required documentation and a thorough knowledge of Lien Laws that govern the transactional relationship between the Customer and the Company
    • Knowledge of contract payments
    • Understanding of financial and debt analysis
    • Knowledge of micro, small and medium enterprise market.
    • Attention to details and analytic skill
    • Effective Time Management skills
    • Effective communication skills
    • Confidentiality and ethical attributes
    • Working knowledge of Microsoft office suite
    • Customer relationship management skills
    • Working knowledge of Business and CRM softwares specifically SugarCRM, Quickbooks.

    Method of Application

    Interested and qualified? Go to Winock Solar Nigeria Limited on winock-limited.grovehr.com to apply

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