Senior Manager, Post Loan at Opay Nigeria

Job Description

Post-Loan Monitoring & Strategy Execution

• Solid hands-on experience in merchant loan post-loan monitoring; proficient in full-process monitoring key points and operational procedures of merchant credit products including overdraft loans and term loans.Able to independently formulate, optimize and implement integrated on-site + off-site post-loan management strategies and customer visitation plans. With acute risk sensitivity, capable of capturing early credit risk warning signals, predicting asset quality deterioration trends, and conducting early intervention and risk prevention.

Distressed Client Resolution, Negotiation & Collection

• Able to independently formulate resolution plans for high-risk clients (overdue and potential non-performing loans). Lead communication and negotiation with merchant clients to drive early disposal, negotiated repayment and collection of non-performing loans.Strong stress tolerance, conflict resolution capability and result-oriented mindset to maintain controllable asset quality.

Compliance Control & Process Audit

• Familiar with local credit compliance regulations in Nigeria; proficient in full-process compliance requirements for pre-loan due diligence and disbursement review.Able to independently conduct pre-loan irregularity screening and post-disbursement fund flow tracking. Meticulous in detail control to eliminate compliance risks and ensure the entire post-loan management process complies with regulatory and internal corporate requirements.

Risk Identification & Intervention

• Keen risk insight to accurately identify early credit risk warnings and asset quality deterioration trends through multi-dimensional channels including post-loan monitoring, data analysis and customer feedback. Proactively propose targeted intervention measures to mitigate risk losses.

On-Site Inspection & Asset Verification

• Extensive practical experience in field visits and merchant inventory verification. Adopt a combined model of on-site inspection and remote verification to accurately verify the authenticity and accuracy of clients’ operating status and asset information, providing reliable basis for risk judgment.

Cross-Team Coordination & Management

• Effectively guide and supervise the sales team to implement daily post-loan management requirements. Promote in-depth participation of the sales team in repayment tracking, reminder and collection follow-up. Establish a closed-loop collaboration mechanism between post-loan management and sales teams to improve overall post-loan management efficiency.

Data Statistics & Report Delivery

• Proficient in Excel and credit risk reporting tools; efficiently complete post-loan data statistics and risk trend analysis, and deliver accurate post-loan management reports to support management decision-making.