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  • Posted: Apr 23, 2019
    Deadline: May 23, 2019
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    MKOBO Microfinance Bank Limited is a fully licensed MFB by the Central Bank of Nigeria (CBN). MKOBO was conceived to help solve consumers’ need for access to short-term emergency credit. Our goal is to provide access to short term unsecured loans, which is easily accessible. We cater to the demography currently underserved by the Commercial banks in...
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    Credit & Recovery Officer

    Job Description

    • This role will report to the Risk and Compliance Manager and will be responsible for recovery of overdue payments from customers.
    • The successful candidate will also be working with the credit department to assess credit applications to identify suitability.

    Responsibilities

    • Recover past due payments from delinquent customers.
    • Work with the Risk and Compliance Manager to assess credit applications.
    • Perform detailed analysis on applications with reference to approved policies to assess suitability of applications.
    • Devise customized recovery strategy on a case-by-case basis.
    • Make outbound collection calls to defaulting customers.
    • Manage relationship with external debt collectors.
    • Design and negotiate payment plans for defaulting customers with management’s approval.
    • Follow up with customers on previous payment plans.
    • Maintain accurate, up-to-date customer account information.
    • When necessary liaising with Lawyers, Bailiffs, Enforcement agencies.
    • Negotiate settlements with customers.
    • Take ownership of debt recovery cases and collateral where required.
    • Maintain appropriate and comprehensive records of all customer discussions as it relates to debt recovery.
    • Report daily, weekly and monthly progress against targets to Management.
    • Participate in the weekly credit review committee meeting.
    • Manage relationship with debtor customers to ensure compliance with repayment agreements.
    • Conduct and document recovery visitations to customers.
    • Review, process and reconcile accounts of indebted customers, to ensure amicable resolution & payment of agreed sum.

    Candidate Requirements

    • Minimum of Degree in Finance, Accounting, Economics, Business Administration, Statistics, etc. from a reputable University.
    • Customer relationship management skills.
    • Ability to work with little or no supervision.
    • Minimum of 2 years working experience in retail credit, risk and recovery.
    • Problem Solving, Critical reasoning, detail oriented.
    • Excellent verbal, presentation and writing skills.

    Skills and Competencies
    Debt Collection:

    • Knowledge of proper and ethical debt collection techniques.
    • Ability to quickly build a picture of a customer’s personal circumstances and needs.
    • Strong negotiating, counselling, and problem solving skills.
    • Experience of collecting first and third party accounts.
    • Working knowledge of Microsoft Office Suites Word, Excel and Access.
    • Ability to maintain high level of confidentiality.
    • Able to work well as part of a team and on own initiative.

    Personal Skills:

    • Strong attention to detail. Having a keen sense of urgency.
    • Excellent listening ability and superb questioning techniques.
    • Always accurate and on time in completing duties.

    Areas of Expertise

    • Debt Collection
    • Issue Resolution
    • Credit Analysis
    • Negotiation.

    Method of Application

    Interested and qualified candidates should send their Applications to: silver_peace89@yahoo.com with “Credit & Recovery Officer” as subject.

    Note: If you’re not contacted within two (2) weeks from the deadline of this application, your application was not successful.

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