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  • Posted: May 30, 2024
    Deadline: Not specified
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    Get Quick Access To Loans To Pay House Rent, Finance Lifestyle Or Emergency At A Low Rate. Up To N 3,000,000 | No Paper Work
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    Verification/Recovery Officer (Sango/Ikorodu)

    Job Description

    The role requires working closely with the collections and business development team to provide on-the-ground operational field support in terms of loan/ debt recovery as well as verification applicants at Lendha.

    This role may also require other tasks in other departments. Your main responsibilities will be locating clients on the phone or physical location, advising customers on loan repayment management, preparing and monitoring reports, managing your own customer portfolio, and lastly debt recovery if necessary.

    • Verification of Lendha Clients
    • Initiate demand and meet all defaulting customers and review all credit files for proper documentation and monitoring.
    • Follow up on all debtor accounts assigned to ensure recoveries through calls, demand notices, or any other appropriate means.
    • Monitors Loan officers to ensure loans booked by them are fully recovered.
    • Monitoring and Recovering Expired loans in all markets.
    • Daily call memo and progress report on negotiations with debtors in respect of repayment of indebtedness.
    • Negotiations/meetings with customers who want loan work out options such as refinancing, rescheduling, and restructuring.
    • Preparation of approval requests to management for negotiated settlements and follow-up until the loan is fully settled and the balance written off.
    • Preparation and recommendation of strategies for all recoveries
    • Give priority attention to regularizing outstanding legal and documentation issues on the assigned portfolio.
    • Liaise with external solicitors to ensure that cases referred to them for legal action are handled with efficiency.
    • Obtain background information on all loans /customers assigned to the Recovery Team and especially customer information etc.
    • Follow up on major debtors to ensure recoveries through calls, demand notices, or any other appropriate means.

    Qualifications

    • Young, smart and hungry for achieving extraordinary results
    • You live in Ikorodu/Sango - Lagos Axis
    • Willing to work in the field most of the time
    • 2 years and above experience in microfinance operations directly dealing with delinquent clients and other problem-solving situations.
    • Apt in negotiating and persuading
    • Young, smart, and hungry for achieving extraordinary results
    • Ability to adapt to new challenges in a dynamic and fast-paced environment while managing multiple projects
    • Proficiency in Excel and PowerPoint.

    go to method of application ยป

    Credit Officer - Ikorodu

    Job Description

    • Manage the debt collection processes and work with analysts to develop, recommend, and enact payment plans to eliminate client debt in an agreed timeframe aligned with Lendha’s collections policy.
    • Debt Settlements: Accurately maintain client records and manage all past due accounts and determine the appropriate collection action to be taken for each individual client. Collect delinquent accounts by contacting customers via telephone, email, and visiting the place of business. Compile daily, weekly, and monthly reports on the status of delinquent accounts, collection activity, and accounts receivable status. Report progress of collections to Supervisor, make recommendations for next steps and write-offs.
    • Customer Acquisition: Present, promote and sell Lendha’s products using solid negotiations to existing and prospective clients across relevant sectors, including but not limited to companies in the e-commerce, consumer goods, healthcare, and financial services industries.
    • Loan Portfolio Growth. Support the evaluation of loans given to customers by ensuring that credit appraisals are completed properly and uphold monitoring of accounts to identify outstanding debts. Review terms of contract and service with client and clearly communicate various payment options. Work cooperatively with other departments to best determine how to balance both the customer's and Lendha's needs.

    Qualifications

    • Bachelors Degree or Higher National Diploma in any discipline from accredited polytechnic or University with NYSC discharge certificate or NYSC Exclusion Letter.
    • Good relationship and communication skills with strong team spirit 
    • Strong analytical skills 
    • Good computer skills 
    • Real motivation to work and grow in a performance based environment
    • Taste for fieldwork 

    ADDITIONAL KNOWLEDGE / SKILLS REQUIRED

    • Practical knowledge of micro / small / medium businesses 
    • Knowledge of microfinance bank sector is an advantage
    • Good writing skills 
    • Knowledge of the major local languages
    • Lives in Ikorodu - Lagos axis

    Method of Application

    Use the link(s) below to apply on company website.

     

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