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Moniepoint is a financial technology company digitising Africa’s real economy by building a financial ecosystem for businesses, providing them with all the payment, banking, credit and business management tools they need to succeed.
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As a field credit officer, you would be saddled with the duty of onboarding and managing businesses that would access our credit products. You would be tasked with growing your loan portfolio while maintaining profitability by ensuring that all loans are repaid as at when due. As a result, you would play a vital role in the assessment of these businesses during their credit application and leverage upon innovative tools we have developed to help you monitor their performance during the course of the loan.
You would also be responsible for making deductions from several information sources pertaining to the 5Cs of credit with capacity, character and capital as major priorities. Making recommendations to management before, during and after the disbursement of a loan facility as to the best actions to be taken, taking several economic factors into consideration.
Job Responsibilities
- Identify and onboard viable businesses within your assigned geographical area to open business accounts with Moniepoint
- Engage customers to ensure optimal usage of accounts in order to allow them qualify for access to credit
- Review and approve (or decline) loan requests by thoroughly analyzing all the data available
- Embark on physical visitation to potential borrowers’ business places for evaluation of business books, taking inventory and turnover into consideration
- Meet gross loan portfolio targets and portfolio profit targets by maintaining a healthy number of loan customers while ensuring that all loans in portfolio are performing
- Monitor active loan portfolio to ensure continued use of business account and loan repayment performance
- Perform all other credit related functions as may be assigned by a supervisor
Qualifications
- A minimum of an OND in any business related discipline
- A minimum of 2 years experience in a sales role for credit products in a financial institution
- Demonstrable knowledge of credit risk analysis
- A good knowledge of financial analysis is an added advantage
- Must be resident in Zamfara State
Relevant Skills
- Apt attention to details
- Proven simple/complex analytical skills
- Excellent communication, presentation and interpersonal skills
- Agility and perseverance
go to method of application »
As a field credit officer, you would be saddled with the duty of onboarding and managing businesses that would access our credit products. You would be tasked with growing your loan portfolio while maintaining profitability by ensuring that all loans are repaid as at when due. As a result, you would play a vital role in the assessment of these businesses during their credit application and leverage upon innovative tools we have developed to help you monitor their performance during the loan.
You would also be responsible for making deductions from several information sources pertaining to the 5Cs of credit with capacity, character and capital as major priorities. Making recommendations to management before, during and after the disbursement of a loan facility as to the best actions to be taken, taking several economic factors into consideration.
Job Responsibilities
- Identify and onboard viable businesses within your assigned geographical area to open business accounts with Moniepoint
- Engage customers to ensure optimal usage of accounts in order to allow them qualify for access to credit
- Review and approve (or decline) loan requests by thoroughly analyzing all the data available
- Embark on physical visitation to potential borrowers’ business places for evaluation of business books, taking inventory and turnover into consideration
- Meet gross loan portfolio targets and portfolio profit targets by maintaining a healthy number of loan customers while ensuring that all loans in portfolio are performing
- Monitor active loan portfolio to ensure continued use of business account and loan repayment performance
- Perform all other credit related functions as may be assigned by a supervisor
Qualifications
- A minimum of an OND in any business related discipline
- A minimum of 2 years experience in a sales role for credit products in a financial institution
- Demonstrable knowledge of credit risk analysis
- A good knowledge of financial analysis is an added advantage
- Must be resident in Bodinga, Tambuwal Shagari, Silame, Wammako, Sokoto north, Sokoto south, Dange Shuni, Kware, Tangaza and Illela.
Relevant Skills
- Apt attention to details
- Proven simple/complex analytical skills
- Excellent communication, presentation and interpersonal skills
- Agility and perseverance
go to method of application »
As a field credit officer, you would be saddled with the duty of onboarding and managing businesses that would access our credit products. You would be tasked with growing your loan portfolio while maintaining profitability by ensuring that all loans are repaid as at when due. As a result, you would play a vital role in the assessment of these businesses during their credit application and leverage upon innovative tools we have developed to help you monitor their performance during the course of the loan.
You would also be responsible for making deductions from several information sources pertaining to the 5Cs of credit with capacity, character and capital as major priorities. Making recommendations to management before, during and after the disbursement of a loan facility as to the best actions to be taken, taking several economic factors into consideration.
Job Responsibilities
- Identify and onboard viable businesses within your assigned geographical area to open business accounts with Moniepoint
- Engage customers to ensure optimal usage of accounts in order to allow them qualify for access to credit
- Review and approve (or decline) loan requests by thoroughly analyzing all the data available
- Embark on physical visitation to potential borrowers’ business places for evaluation of business books, taking inventory and turnover into consideration
- Meet gross loan portfolio targets and portfolio profit targets by maintaining a healthy number of loan customers while ensuring that all loans in portfolio are performing
- Monitor active loan portfolio to ensure continued use of business account and loan repayment performance
- Perform all other credit related functions as may be assigned by a supervisor
Qualifications
- A minimum of an OND in any business related discipline
- A minimum of 2 years experience in a sales role for credit products in a financial institution
- Demonstrable knowledge of credit risk analysis
- A good knowledge of financial analysis is an added advantage
- Must be resident in Niger State
Relevant Skills
- Apt attention to details
- Proven simple/complex analytical skills
- Excellent communication, presentation and interpersonal skills
- Agility and perseverance
go to method of application »
As a field credit officer, you would be saddled with the duty of onboarding and managing businesses that would access our credit products. You would be tasked with growing your loan portfolio while maintaining profitability by ensuring that all loans are repaid as at when due. As a result, you would play a vital role in the assessment of these businesses during their credit application and leverage upon innovative tools we have developed to help you monitor their performance during the course of the loan.
You would also be responsible for making deductions from several information sources pertaining to the 5Cs of credit with capacity, character and capital as major priorities. Making recommendations to management before, during and after the disbursement of a loan facility as to the best actions to be taken, taking several economic factors into consideration.
Job Responsibilities
- Identify and onboard viable businesses within your assigned geographical area to open business accounts with Moniepoint
- Engage customers to ensure optimal usage of accounts in order to allow them qualify for access to credit
- Review and approve (or decline) loan requests by thoroughly analyzing all the data available
- Embark on physical visitation to potential borrowers’ business places for evaluation of business books, taking inventory and turnover into consideration
- Meet gross loan portfolio targets and portfolio profit targets by maintaining a healthy number of loan customers while ensuring that all loans in portfolio are performing
- Monitor active loan portfolio to ensure continued use of business account and loan repayment performance
- Perform all other credit related functions as may be assigned by a supervisor
Qualifications
- A minimum of an OND in any business related discipline
- A minimum of 2 years experience in a sales role for credit products in a financial institution
- Demonstrable knowledge of credit risk analysis
- A good knowledge of financial analysis is an added advantage
- Must be resident in Kaduna
go to method of application »
The Portfolio Manager is responsible for overseeing the loan portfolio and leading a team of Field Credit Officers within a specific state. This role involves setting performance targets, ensuring credit risk is managed effectively, maintaining a healthy loan portfolio, and driving growth of the business and loan products. The Portfolio Manager will collaborate closely with other departments (Products, Risk, Operations, etc.) to uphold credit policies and ensure successful loan disbursement and repayment.
Key Responsibilities
Team Leadership and Management
- Supervise, mentor, and provide guidance to Field Credit Officers (FCOs) within the assigned state.
- Set and communicate clear performance goals and objectives for the FCOs, ensuring alignment with the company’s overall targets and strategy.
- Conduct regular performance reviews, identify training needs, and foster professional growth among team members.
Portfolio Oversight and Growth
- Develop and implement strategies to grow a robust and profitable loan portfolio in the assigned state.
- Monitor and analyze overall portfolio performance, including loan approvals, disbursements, and repayments, to ensure targets are met.
- Identify trends and potential risks, taking proactive measures to mitigate any issues that could impact portfolio health.
Credit Risk Management
- Ensure adherence to the organization’s credit policies and procedures.
- Review and approve on loan applications recommended by FCOs, providing final credit decisions where necessary.
- Conduct periodic credit risk assessments and collaborate with the Regional Credit Manager and VP, Credit Portfolio Management to refine and enhance credit evaluation frameworks.
Compliance and Reporting
- Maintain compliance with regulatory requirements and internal policies related to credit operations and portfolio management.
- Prepare and present regular portfolio performance reports to Regional Credit Manager and VP, Credit Portfolio Management, highlighting key metrics, trends, and recommendations for improvement.
- Ensure all documentation and records are accurate, up-to-date, and in line with compliance standards.
Stakeholder Engagement
- Collaborate with cross-functional teams (Products, Operations, Risk, etc.) to ensure seamless loan disbursement and servicing processes.
- Develop and maintain strong relationships with business clients and community stakeholders to enhance the company’s market presence.
- Address and resolve escalated customer issues and inquiries related to the loan portfolio.
Process Improvement
- Identify process gaps and inefficiencies within credit administration, making recommendations for system and process enhancements.
- Stay informed of industry best practices, market trends, and competitor activities, adapting strategies as needed.
Qualifications
- Bachelor’s Degree (or higher) in Business, Finance, Economics, or a related field
- Minimum of 4-5 years of relevant experience in lending, credit, or portfolio management, with at least 2 years in a supervisory role.
- Demonstrable experience in credit risk analysis and financial analysis.
- Strong knowledge of regulatory requirements and compliance in the financial sector.
- Proven track record in managing and growing a loan portfolio in a fast-paced environment.
- Must be resident in the state of responsibility.
go to method of application »
As a field credit officer, you would be saddled with the duty of onboarding and managing businesses that would access our credit products. You would be tasked with growing your loan portfolio while maintaining profitability by ensuring that all loans are repaid as at when due. As a result, you would play a vital role in the assessment of these businesses during their credit application and leverage upon innovative tools we have developed to help you monitor their performance during the course of the loan.
You would also be responsible for making deductions from several information sources pertaining to the 5Cs of credit with capacity, character and capital as major priorities. Making recommendations to management before, during and after the disbursement of a loan facility as to the best actions to be taken, taking several economic factors into consideration.
Job Responsibilities
- Identify and onboard viable businesses within your assigned geographical area to open business accounts with Moniepoint
- Engage customers to ensure optimal usage of accounts in order to allow them qualify for access to credit
- Review and approve (or decline) loan requests by thoroughly analyzing all the data available
- Embark on physical visitation to potential borrowers’ business places for evaluation of business books, taking inventory and turnover into consideration
- Meet gross loan portfolio targets and portfolio profit targets by maintaining a healthy number of loan customers while ensuring that all loans in portfolio are performing
- Monitor active loan portfolio to ensure continued use of business account and loan repayment performance
- Perform all other credit related functions as may be assigned by a supervisor
Qualifications
- A minimum of an OND in any business related discipline
- A minimum of 2 years experience in a sales role for credit products in a financial institution
- Demonstrable knowledge of credit risk analysis
- A good knowledge of financial analysis is an added advantage
- Must be resident in Yobe
Relevant Skills
- Apt attention to details
- Proven simple/complex analytical skills
- Excellent communication, presentation and interpersonal skills
- Agility and perseverance
Method of Application
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