Portfolio Analyst at Credit Direct Limited

Job Summary

• The primary responsibility of this role is to oversee and ensure effective loan repayment management, including reconciliation, analysis, and reporting on loan portfolio performance. The role involves proactive engagement with customers, employers, and other key stakeholders to support prompt repayments and loan recovery. This position is critical in identifying portfolio trends, providing insights, and ensuring the integrity and performance of the loan portfolio.

Job Details

Key Responsibilities:

Loan Repayment Management:

• Ensure that all loan repayments are received promptly, accurately, and in line with repayment schedules.
• Regularly reconcile repayments to identify and address discrepancies.

Portfolio Reconciliation and Analysis:

• Conduct in-depth reconciliation and analysis of the loan portfolio, including performance metrics for all active loans.
• Prepare and present detailed reports on portfolio performance to provide a clear view of repayment trends and issues.

Stakeholder Engagement and Follow-Up:

• Actively monitor and follow up with employers, customers, and other stakeholders to secure timely repayments.
• Maintain open communication channels to address and resolve repayment issues quickly.

Loan Recovery and Write-Off Management:

• Monitor and ensure recovery efforts on written-off loans, collaborating with the collections team to achieve recovery targets.
• Develop and implement strategies to minimize loan loss and maximize recovery on delinquent accounts.

Feedback and Reporting on Portfolio Health:

• Provide regular feedback to relevant teams on portfolio-related issues and emerging trends.
• Generate insights and recommendations to improve repayment performance and support informed decision-making.

Requirements

Qualifications and Skills:

• Bachelor’s degree in Finance, Accounting, Business Administration, or a related field.
• At least 3 years of experience in loan management, finance, or a similar role.
• Strong analytical and reconciliation skills with a keen eye for detail.
• Excellent communication and stakeholder management abilities.
• Proficiency in financial software and Microsoft Excel.
• Experience with loan recovery and collections is an advantage.

What to Expect in the Hiring Process:

• A preliminary phone call with the recruiter
• Technical interview 
• Assessment
• Interview with Senior members of the team
• Cultural and Behavioral Fit Interview with a member of the Executive team.