Jobs at Rosabon Financial Services

Summary and Scope

• The Product Risk Manager is responsible for the proactive detection, assessment, and advisement on risks associated with the company’s products and services.
• The Product Risk Manager is responsible for the proactive detection, assessment, and advisement on risks associated with the company’s products and services.

Duties and Responsibilities

• Risk Assessment Criteria (RAC) Development
• Risk Detection and Assessment
• Collaboration with Product Team
• Risk Mitigation and Management,
• Transparent Advisory and Reporting
• Compliance and Regulatory Oversight

Minimum Educational Requirements

• Bachelor's Degree in Risk Management, Business Admin or Finance.

Required Experience and Skills:

• Minimum 5 years Experience in Risk Management.
• Knowledge of risk assessment methodologies and certification in Risk Management is an advantage
• Data Analysis
• Strategic Planning
• Problem-Solving
• Communication skills

Salary and Benefits
Competitive staff remuneration and benefit packages.

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Job Objective

• Managing and overseeing branch personnel, supervising branch operations, and ensuring efficient operation on a day-to-day basis.
• Improving productivity and streamlining branch activities to maximize results and achieve peak performance levels.

Role and Responsibilities

• Developing and implementing sales plans.
• Drive sales team to meet individual targets for both liability & risk asset.
• Generate profitable operating leases.
• Recruit sales reps and partners to continue the mission of business expansion.
• Segmentation of the region for sales team to ensure better market penetration.
• Evaluate sales strategies for performance against objectives, and making necessary changes as required.
• Work closely with the strategy and marketing department to ensure consistency in the look and structure of sales collateral materials, packages and proposals etc.
• Identifies, develops, and implements process improvements towards improving customer satisfaction, improving sales efficiency, etc.
• Reviewing of transactions and granting approvals.
• Insurance business relationship.
• Recovery of outstanding loan.
• Ensure the sales teams have adequate skills and information to carry out their duties.
• Evaluating employee performance and providing feedback and coaching as needed.
• Recognising employee achievements and encouraging excellence in the work environment
• Conducting regular sales and operations meetings.
• Briefing employees on current sales goals, promotions, and other relevant information
• Organising marketing activities and events for the branch.
• Increasing brand awareness for the company within the community.
• Interacting with customers on a regular basis to ensure satisfaction and gain useful feedback.
• Resolving customer problems as needed.
• Ensuring compliance with all applicable laws and regulations for the industry within stale of branch location and the country.
• Assessing market conditions and identifying opportunities.
• Managing budgets, allocating branch funds, and defining financial objectives.
• Ensuring branch adherence to high ethical and professional standards.

Key Performance Indicators

• Team’s liability generation & asset creation
• High quality risk assets & increased level of funds generation
• Improved sales process
• Creating an enabling environment to empower staff to meet and surpass individual target
• Team overall performance
• Excellent client experience
• Effectiveness of the leads management system

Qualifications

• Interested candidates should possess a Bachelor's Degree with 3-5 years experience.

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Job Summary

• The Credit Underwriter is responsible for the evaluation of financial information and risks before granting loans to individuals and companies.

Duties and Responsibilities

• Reviewing & analyzing the creditworthiness of all potential customers based on risk criteria.
• Performing various departmental functions including loan covenant monitoring, risk rating, audit preparation and recovery when assigned by HOD
• Reviewing application for credit facilities with a view to point out deviations from the company’s credit policy and highlight quality assurance issues in credit proposals received from business areas.
• To evaluate all quantitative details in the applications with a view to make objective decisions based on empirical facts from financial information evaluated..
• Detecting fraudulent applications with falsified/forged documents and ensuring that all credit approvals, KYC are in place documentation is duly executed and that the company’s interest is well protected.
• Conducting credit search (CRS & CRC Report) on credit bureau database and conducting Email Verification & preparing Transaction Consummation Report.

Minimum Educational Requirement

• Bachelor's / HND

Required Experience and Skills:

• Analytical and computational ability
• Financial analysis and numerical ability
• Attention to detail
• Decision-making ability
• Efficiency and communication skills
• Ability to work well under pressure
• Should be technically savvy and should have excel and other spreadsheet skills.

Salary and Benefits
Competitive staff remuneration and benefit packages.

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Scope and Impact

• The candidate will be tasked with the responsibility of selling various loan products. He/ She will act as liaison between
• customers and our financial institution and will help qualified applicants acquire loans in a timely manner.

Job Summary

• The Rosabon Sales Executive is required to collect and prepare all materials needed to process transactions (loans and investments). He/ She will also responsible for reviewing loan applications evaluating the potential risks of granting loans to applicants.

Duties & Responsibilities

• Evaluate credit worthiness by processing loan applications and documentation within specified limits
• Interview applicants to determine financial eligibility and feasibility of granting loans
• Determine all applicable ratios and metrics and set up debt payment plans
• Communicate with clients either to request or to provide information
• Justify decisions (approvals/rejections) and report on them
• Complete loan contracts and counsel clients on policies and restrictions
• Review loan agreements to ensure that they are complete and accurate according to policy
• Update account records, Compute payment schedules and transactions on ERP
• Confer with underwriters to aid in resolving loan application problems.
• Update job knowledge on types of loans and other financial services
• Assess customer needs, explore all options and introduce different types of loans
• Develop referral networks, suggest alternate channels and cross-sell products and services to accomplish
• quotas
• Go the “extra mile” to build trust relationships, customer loyalty and satisfaction throughout the
• underwriting process
• Operate in compliance with laws and regulations and adhere to lending compliance guidelines
• Deposit mobilization to meet set targets

Key Performance Indicators:

• Meet Set Monthly loan and investment Targets
• Reduced number of Non-Performing loans
• Customer retention rate of minimum 90% across loan and investment products

Qualifications / Requirements

• Proven working experience as a Loan Officer
• Familiarity with computers and banking applications/software
• Solid understanding of direct/indirect lending products and practices
• Customer satisfaction orientation and sales competencies
• Ability to work in a goal oriented environment and meet set target
• BSc Degree in Finance, Economics or a related field

go to method of application »

Job Objective

• Managing and overseeing branch personnel, supervising branch operations, and ensuring efficient operation on a day-to-day basis.
• Improving productivity and streamlining branch activities to maximize results and achieve peak performance levels.

Roles & Resonsibilities

• Developing and implementing sales plans.
• Drive sales team to meet individual targets for both liability & risk asset.
• Generate profitable operating leases.
• Recruit sales reps and partners to continue the mission of business expansion.
• Segmentation of the region for sales team to ensure better market penetration.
• Evaluate sales strategies for performance against objectives, and making necessary changes as required.
• Work closely with the strategy and marketing department to ensure consistency in the look and structure of sales collateral materials, packages and proposals etc.
• Identifies, develops, and implements process improvements towards improving customer satisfaction, improving sales efficiency, etc.
• Reviewing of transactions and granting approvals.
• Insurance business relationship.
• Recovery of outstanding loan.
• Ensure the sales teams have adequate skills and information to carry out their duties.
• Evaluating employee performance and providing feedback and coaching as needed.
• Recognising employee achievements and encouraging excellence in the work environment
• Conducting regular sales and operations meetings.
• Briefing employees on current sales goals, promotions, and other relevant information
• Organising marketing activities and events for the branch.
• Increasing brand awareness for the company within the community.
• Interacting with customers on a regular basis to ensure satisfaction and gain useful feedback.
• Resolving customer problems as needed.
• Ensuring compliance with all applicable laws and regulations for the industry within stale of branch location and the country.
• Assessing market conditions and identifying opportunities.
• Managing budgets, allocating branch funds, and defining financial objectives.
• Ensuring branch adherence to high ethical and professional standards.

Key Performance Indicators

• Team's liability generation & asset creation
• High quality risk assets & increased level of funds generation
• Improved sales process
• Creating an enabling environment to empower staff to meet and surpass individual target
• Team overall performance
• Excellent client experience
• Effectiveness of the leads management system.

Qualifications

• Candidates should possess Bachelor's Degrees with 3 - 5 years relevant work experience.

go to method of application »

Scope and Impact

• The Team lead, Asset creation plays a major role in continuously improving risk asset sales/loan disbursement within the company, and strategically creating relationships for customers while ensuring proper and adequate inflow of new customers and outflow of risk assets in the company to ultimately increase and maintain the credit balance of the company for efficient operation.

Job Summary

• The Team lead, Consumer Lending (Public Sector) will be responsible for driving and optimizing sales within the Asset Creation Team, consistently following up with team members and customers to maintain relationship and generate sales to meet set target.

Duties & Responsibilities

• Build and maintain team staff requirement
• Manage day-to-day Consumer Credit team operations.
• Build, develop and grow team members for optimum performance
• Constantly liaise, coach mentor and motivate team members for optimal lead generations and conversion.
• Responsible for monitoring and ensuring team members meet set targets
• Conduct deep-dive analysis on key growth indicators for products, people, and process optimization.
• Generate and contribute via market analysis and customer perception of new products.
• Establish and maintain good customer base
• Strategically devise means to help self and team members to generate and maintain quality sales contacts
• Motivate, train and maintain a healthy and effective team
• Identify, develop, and implement process change towards improving customer satisfaction and sales efficiency.

Key Performance Indicators:

• New Leads/Opportunities
• Client Acquisition and Customer Retention Rate
• Sales Volume per team member and collectively
• Existing Client Engagement
• Upsell/Cross-Sell Rates
• Percentage target met periodically

Qualifications / Requirements

• Minimum education level - First Degree in any discipline from a reputable academic institution.
• Post-graduate qualification (s) and professional membership will be an added advantage.
• Demonstrated track record of meeting/exceeding goals as an individual contributor.
• Successful experience building a territory from little or nothing.
• 5 years of progressive experience in sales and marketing of financial products (Consumer Lending)

Skills / Competencies:

• Highly motivated and passionate about sales with a genuine drive to succeed.
• Previous experience of driving sales ideally across all company products.
• Strong personal network within the industry.
• Excellent verbal and written communication skills.
• Detail-oriented and ability to prioritize and handle multiple tasks at any given time.
• Ability to lead and motivate a large team.
• Strong sales, analytical, organization and people skills required.
• Proficient in Microsoft Word, Excel, Outlook and PowerPoint.
• Ability to adapt quickly to new technologies, products and procedures
• Ability to work and thrive in a multi-tasked and fastpaced environment.
• Professional “get it done” attitude and work ethic.