Job Openings at CredPal

Purpose Statement

• We are seeking a highly motivated and skilledFull Stack Developer (PHP/JavaScript) to join our team and take a pivotal role in shaping and enhancing our cutting-edge financial technology solutions.
• You will be at the forefront of innovation, contributing to the design, development, and deployment of robust, user-friendly web applications that empower our customers to manage their financial lives with ease.
• Your purpose is to bring together your expertise in both backend (PHP) and frontend (JavaScript) development to create seamless, efficient, and engaging user experiences.
• Collaborating with cross-functional teams, you will craft dynamic interfaces, architect efficient APIs, and integrate with various third-party services to deliver versatile and impactful solutions.

Responsibilities

• Develop and deploy user-friendly web applications using PHP and JavaScript.
• Architect efficient backend solutions, including APIs and server-side logic.
• Pixel-perfect” responsive, dynamic approved user interfaces aligned with design guidelines.
• Collaborate with teams to integrate third-party services and data sources.
• Design and implement well-documented APIs for seamless data exchange.
• Maintain code quality through testing, debugging, and code review.
• Stay updated with industry trends and propose enhancements.
• Provide technical documentation for features and integrations.
• Solve technical challenges and contribute to stability.
• Share innovative ideas to enhance platform functionality.
• Foster collaboration and knowledge sharing within the team.
• Design and implementation of the overall web architecture.
• Deliver amazing user experience with great interactions and animations.
• Build robust scalable RESTful APIs.
• Integrate with third-party payment APIs
• Work alongside our world-class engineering team to build & maintain our existing codebase.

Requirements

• Proven experience working as a Full Stack Developer with expertise in PHP and JavaScript in the FinTech/Financial Services and Crypto space.
• Proficiency in using modern PHP frameworks (e.g., Laravel, Symfony) and JavaScript libraries (e.g., React, Angular, Vue.js).
• Strong understanding of responsive design principles, ensuring a consistent user experience across devices.
• Experience with version control systems (e.g., Git) and collaborative coding practices.
• Familiarity with RESTful API development and integration.
• Knowledge of frontend build tools (e.g., Webpack, Grunt) for optimizing and bundling assets.
• Understanding of Agile methodologies and development practices.
• Ability to work effectively in cross-functional teams and communicate technical concepts to non-technical stakeholders.
• Up-to-date with industry trends, emerging technologies, and best practices in Full Stack Development.
• Contributions to open-source projects, personal coding projects, or relevant certifications are a plus.
• Familiarity with FinTech industry trends and challenges is an advantage.

Benefits

• Professional development opportunities.
• A collaborative and inclusive work culture that fosters growth and innovation.
• Opportunity to work with cutting-edge products and technologies.
• Supportive and approachable management team dedicated to your success.

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Purpose Statement

• We are seeking a highly motivated and skilled Collections Officer to join our team and to play a vital role in managing overdue accounts and facilitating effective debt recovery.
• As a Collections Officer, your purpose is to ensure the financial well-being of our organization by managing overdue accounts and facilitating debt recovery.
• Through empathetic communication and negotiation, you will seek solutions that benefit both customers and our company.
• Your efforts will contribute to maintaining financial stability while upholding ethical practices and compliance standards.

Responsibilities

• Contact customers with overdue accounts to discuss outstanding payments and negotiate repayment terms.
• Utilize effective communication to maintain customer relationships while seeking timely debt recovery.
• Empathetically assist customers in finding suitable solutions to resolve payment issues.
• Record and update customer interactions, payment arrangements, and account statuses accurately.
• Investigate customers’ repayment ability and assess the potential risk.
• Analyze accounts to determine appropriate collection strategies and escalate cases as necessary.
• Collaborate with internal teams to address customer inquiries and resolve disputes.
• Follow-up on agreed-upon repayment plans, monitoring progress and ensuring compliance.
• Adhere to industry regulations and ethical practices when dealing with debt collection.
• Prepare and present reports on collections activities, trends, and outcomes to management.
• Continuously improve collections processes and contribute to optimizing strategies.
• Handle sensitive customer information with confidentiality and professionalism.
• Stay updated on industry trends and best practices in debt recovery.

Requirements

• HND/Bachelor's Degree in a related field is a plus.. 
• 1-2 years proven experience in collections, credit control, or a similar role.
• Strong interpersonal and communication skills for effective customer engagement.
• Empathy, patience and resilience when dealing with customers facing financial difficulties.
• Negotiation skills to establish reasonable repayment plans and agreements.
• Professionalism and integrity in handling sensitive customer information.
• Organizational skills to manage multiple accounts and prioritize tasks.
• Proficiency in using collections software and Microsoft Office applications.
• Continuous learning attitude to stay updated on industry trends and best practices.
• Analytical skills to assess accounts and recommend appropriate collection strategies.
• Attention to detail for accurate documentation of customer interactions and arrangements.
• Knowledge of debt collection laws, regulations, and ethical practices.
• Relevant training & certifications. 

Benefits

• Competitive salary package with performance-based incentives.
• Professional development opportunities.
• A collaborative and inclusive work culture that fosters growth and innovation.
• Opportunity to work with cutting-edge products and technologies.
• Supportive and approachable management team dedicated to your success.