Jobs at HeliumCredit

Description

We are looking to hire a Credit Risk Analyst who will be responsible for evaluating the risks involved in loan financing by initiating background research on the borrower, analyzing their financial data, and deciding whether or not to extend them credit.

Responsibilities:

• Review and analyze credit applications, including financial statements, credit scores, and other relevant data.
• Assess the creditworthiness of applicants based on identified risk factors and established risk acceptance criteria (RAC).
• Conduct background checks on clients and assess their financial stability.
• Consult and negotiate with customers regarding financial transactions, payment terms, and credit limits.
• Conduct second level loan assessment (if needed) and submit decisioning for approval.
• Assist in the development of credit risk mitigation strategies.
• Use data and analysis to work with others in solving complex problems around profitability, marketing, risk, and operational analysis.
• Uses analytical methods to build credit and risk models including credit underwriting, product optimization, and operational process analysis.
• Contribute to the design of experiments and use of stress testing of the loan portfolio, and control strategies for collections, marketing, and operations, analyze results, and build predictive models to forecast future outcomes.
• Develop strategies to help improve the loan application process.
• Verify client information and all documents for authenticity and detection of fraud, adhering to credit policy guidelines and regulatory policies..
• Collaborate with credit operations, collections & recovery, growth & collection associates, and other internal & external stakeholders to facilitate smooth loan processing and collections.
• Monitor loans for compliance and conduct research and evaluate how changes in macroeconomic environment (including competitor trends) impacts the performance of credit portfolios.
• Monitor, observe, and report on trends and patterns which will improve the loan process.
• Support the development of automated processes to enable efficient collections operations.  
• Collect and track various datasets and metrics across all the teams within HeliumCredit.
• Collaborate with collections & recovery, and other relevant teams to address any issues of high non-performing loans in the company portfolio.
• Ensure non-performing loans and write offs are within the range stipulated by the credit policy and regulatory authorities.
• Assist in audits and regulatory examinations, providing necessary documentation, and answering queries in this regard.
• Stay updated with regulatory change and industry best practices in credit risk and lending.
• Demonstrate service excellence
• Any other related duties required

Requirements

• A minimum of 2 - 4 years of experience in banking, loan collections, credit operations, and credit risk analysis
• Bachelor’s Degree in Accounting, Business Management or any other related field is required
• Excellent organizational, analytical and time-management skills.
• Prompt and consistent attention to details, with strong multitasking abilities.
• Knowledge of credit assessment tools, billing procedures and loan collection techniques
• Familiarity with laws related to debt collection and credit operations
• Strong stakeholder management and communication skills.
• Excellent negotiation skills
• Motivated self starter with the ability to work independently with purpose and accuracy in a fast-paced environment
• High proficiency in all areas of Microsoft Office including Outlook, Word, Excel and PowerPoint

Benefits

This role offers a competitive salary in a collaborative work environment with a dynamic and diverse team. We also offer tremendous potential with a growing global organization. 

• Package includes guaranteed take home 
• 20 days holidays + public holidays 
• Enhanced Parental + Family Leave – 60 days paid Maternity Leave and 20 days paid Paternity Leave. Our Adoption Leave policy follows the similar arrangements. 
• Health Insurance or Medical Allowance 
• Robust Learning and Development Opportunities 
• Team-building activities and social events 
• Amazing team culture! 

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Desription

We are looking to hire a Credit Operations Analyst who will be responsible for loan processing and documentation, portfolio monitoring and risk management, compliance and policy adherence, data analysis and reporting, and credit process improvement .

Responsibilities:

• Perform analysis to create a dynamic dataset of loan books, tracking approval and booking of loans within a positive TAT while ensuring the company’s budget and targets are met.
• Contribute immensely to the development of business requirement documents, credit policies, credit memos and other relevant risk management policies to guide the loan requirement process thereby lessening documentation without the projected risk of adverse effects on portfolio, in line with global best practices.
• Verify client information and all documents for authenticity and detection of fraud, adhering to credit policy guidelines and regulatory policies.
• Collaborate with credit risk, collections & recovery, growth & collection associates, and other internal & external stakeholders to facilitate smooth loan processing and collections.
• Monitor loans for compliance and conduct research and evaluate how changes in macroeconomic environment (including competitor trends) impacts the performance of credit portfolios.
• Monitor, observe, and report on trends and patterns which will improve the loan process.
• Prepare periodic and annual reports concerning the status of loan collection and follow up on non-performing loans and ensure reporting and record keeping system, identifying defaulting demographics.
• Ensure timely execution of offer letters and loan contracts 
• Support development of automated processes to enable efficient collections operations.  
• Collect and track various datasets and metrics across all the teams within HeliumCredit.
• Collaborate with collections & recovery and other relevant teams to address any issues of high non-performing loans in the company portfolio.
• Demonstrate service excellence.
• Any other related duties as required.

Requirements

• A minimum of 2 - 4 years of experience in banking, loan collections, credit operations, and credit risk analysis
• Bachelor’s Degree in Accounting, Business Management or any other related field is required
• Excellent organizational, analytical and time-management skills.
• Prompt and consistent attention to details, with strong multitasking abilities.
• Knowledge of billing procedures and loan collection techniques
• Familiarity with laws related to debt collection and credit operations
• Strong stakeholder management and communication skills.
• Excellent negotiation skills
• Motivated self starter with the ability to work independently with purpose and accuracy in a fast-paced environment
• High proficiency in all areas of Microsoft Office including Outlook, Word, Excel and PowerPoint.

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We are looking to hire a Senior Growth & Collections Associate who will be responsible for executing a growth and expansion strategy across the Nigerian market for our healthcare financing product - HeliumCredit.

Responsibilities: 

Sales & Business Development 

• Execute winning sales and business development strategies for Helium in the Private Sector in order to drive sales and boost revenue.
• Report and monitor performance against set targets. Identify and implement tactical measures to increase target sales across assigned segments of the Health Private Sector.
• Deliver proposals and presentations to new and existing customers towards creating new business opportunities to boost company revenue; present the product clearly and convincingly to stakeholders, overcome objections, and close sales.
• Work with the Marketing team and other unit members to craft winning pitches that present key selling points, features, and benefits while focusing on the customer's needs and expectations.
• Manage relationships with key stakeholders across various healthcare providers, payers, and patients in the Private Sector markets to boost business development activities.
• Work with designed guidelines and framework for capturing the customer’s requirement to ensure that the appropriate solution for the customer is consistently presented.
• Collaborate with the Service Delivery Team and clearly communicate all expectations to ensure that projects are managed to deliver on time and to specification.
• Communicate with clients to understand their requirements and needs. Address any questions or issues they may have. Track and document calls and sales; keeping an updated database and updating client records accordingly.

Collections Management

• Create and implement strategies to increase the number of successful collections on outstanding debt.
• Coordinate collections activities across all relevant income streams. Ensure service and performance levels agreed between Helium Health and the partners are met.
• Manage the collection of outstanding cash invoices and credit invoices to minimize profit loss.
• Support the development of automated processes to enable efficient collections operations, by providing timely feedback to stakeholders with documented issues and concerns, assisting with any needed development to ensure deadlines are met.
• Support integration and training of other team members by sharing knowledge regarding documentation, processes, applications, reports, and tools where appropriate.

Networking and Stakeholder Management

• Support the implementation of initiatives with key financial partners to ensure streamlined execution and approval processes for launching initiatives.
• Network and manage relationships with key stakeholders across various healthcare providers, payers, patients, and credit facilities in the Nigerian market.
• Develop and build sustainable relationships as a trusted advisor, offering professional experience in Healthtech solutions.
• Work with cross-functional teams internally (legal, finance, product, design, data) and externally (finance and bank partners) to implement and optimize initiatives.

Business Research and Analysis 

• Run reports and analyze data pertaining to revenue growth and collection activities and share with leadership as needed.
• Assist in the data gathering to assist leadership in evaluating any new requests from third-party organizations that wish to execute new or amended agreements involving changes to Revenue Sharing, Networking, or Sub-Transfer Agency agreements.
• Monitor the completion of any approved agreements including a review from legal, sending, tracking, and overseeing the execution of the agreements. Communicates agreement status to various levels of internal and external stakeholders.
• Gather information on market trends and data to aid the team’s development of growth strategies.
• Engage in the research and analysis of consumer behaviors, products, market trends, culture, etc. and use the data to provide insight to improve the attractiveness of our product to potential and current customers.

Requirements

• Minimum 4-5 years cumulative experience in credit collections and sales/account management exceeding growth targets.
• Strong stakeholder management and communication skills, related process domain expertise and experience, supervisory skills
• Experience in selling enterprise software; specific experience selling healthcare enterprise solutions is an added advantage.
• Resilient and result-driven, with great prospecting skills. Proven ability in developing strong relationships and partnerships with customers and relevant stakeholders.
• Ability to think creatively with an innovative mindset that is constantly looking for ways to improve things.
• Strong interpersonal skills with a collaborative and flexible work style. Willing to travel and engage with our customers at various locations.
• A very good communicator. Strong presentation, listening, written and verbal skills.
• Digitally savvy and proficient in the use of Microsoft Office and work productivity tools
• First Degree in Marketing, Information Technology, Public Relations, Business Administration, Economics, Finance, Medical or any other related field. The equivalent of the same in working experience is also acceptable.