Job Offers at Kredi Bank

Job Overview:

• We are seeking diligent and customer-focused Loan Officers to evaluate, authorize, and recommend approval of loan applications. The Loan Officer will play a critical role in helping clients access financial services while minimizing risk for the organization.

Key Responsibilities:

• Actively source potential clients through fieldwork, referrals, and digital channels.
• Interview loan applicants to determine financial eligibility and feasibility of granting loans.
• Evaluate the creditworthiness of applicants by processing loan applications and financial information.
• Perform risk assessments and analysis to determine loan terms and interest rates.
• Present loan proposals to management for approval where required.
• Monitor and manage a portfolio of existing loans to ensure timely repayment and resolve defaults when necessary.
• Advise clients on financial products, terms, and repayment plans.
• Maintain accurate records of loan applications, approvals, rejections, and disbursements.
• Ensure compliance with company policies, lending procedures, and regulatory requirements.
• Provide excellent customer service throughout the loan process.

Qualifications:

• Bachelor's degree in Finance, Business Administration, Economics, or related field.
• Proven experience as a loan officer, credit analyst, or similar role (experience in microfinance, fintech, or traditional banking is a plus).
• Strong understanding of lending procedures, credit risk analysis, and financial documentation.
• Good negotiation and interpersonal skills.
• Excellent written and verbal communication abilities.
• High attention to detail and analytical skills.
• Ability to work under pressure and meet deadlines.
• Proficiency in Microsoft Office and familiarity with loan management software (LMS) is an advantage.

Key Competencies:

• Financial analysis and credit evaluation.
• Risk management.
• Customer service excellence.
• Problem-solving and decision-making.
• Organizational and time management skills.

Compensation:

• Competitive salary.
• Performance-based incentives and bonuses.
• Health insurance and other standard benefits.
• Career growth and training opportunities.

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Job Overview:

• We are seeking energetic and goal-driven Direct Sales Agents to drive the acquisition of customers for our fintech products and services. As a key frontline representative, you will be responsible for promoting, selling, and onboarding customers, helping to expand our reach and strengthen our market position.

Key Responsibilities:

• Promote and sell the company's financial products and services to potential and existing customers.
• Identify and approach prospective customers through field marketing, cold calling, and referrals.
• Conduct product presentations and demonstrations to prospective clients.
• Onboard new customers by assisting with account registration, KYC (Know Your Customer) compliance, and activation processes.
• Meet and exceed individual and team sales targets.
• Educate customers on the benefits and features of fintech solutions (e.g., mobile wallets, digital banking services, payment platforms, etc.).
• Collect and report customer feedback to management for service improvement.
• Maintain a strong understanding of all company products, services, and promotions.
• Attend daily/weekly sales meetings and training sessions as scheduled.

Qualifications:

• Minimum of OND/NCE qualification; Bachelor's degree is an advantage.
• Prior experience in sales, marketing, or customer acquisition (experience in financial services/fintech is a plus).
• Strong communication, persuasion, and interpersonal skills.
• Ability to work independently and as part of a team.
• Customer-focused with the ability to build and maintain relationships.
• Energetic, proactive, and results-driven attitude.
• Basic understanding of digital financial services is preferred.

Key Competencies:

• Sales and negotiation skills.
• Customer service orientation.
• Problem-solving skills.
• Time management.
• Resilience and adaptability.

Compensation:

• Competitive base allowance.
• Attractive commission-based earnings.
• Performance incentives and bonuses.