Field Credit Officer

3 days ago

Kano, Kano, Nigeria Moniepoint Full time ₦1,500,000 - ₦3,000,000 per year

Who we are

Moniepoint is Africa's all-in-one financial ecosystem, empowering businesses and their customers with seamless payment, banking, credit, and management tools. In 2023, we processed $182 billion and are Nigeria's largest merchant acquirer.

What We do

At Moniepoint, we are a customer-focused community, dedicated to crafting solutions that redefine our industry. We have several products that provide essential services for businesses such as credit, overdrafts etc. We leverage artificial intelligence and data to make our decisions but also have the technology and data-driven best practices used to support our businesses.

Curious about what makes Moniepoint an incredible place to work?
Check out posts on how we cultivate a culture of innovation, teamwork, and growth.


JOB PURPOSE

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. 

Location: Kano (Contract)

Job Responsibilities 

Identify and onboard viable businesses within your assigned geographical area to open business accounts with MoniepointEngage customers to ensure optimal usage of accounts in order to allow them qualify for access to creditReview and approve (or decline) loan requests by thoroughly analyzing all the data availableEmbark on physical visitation to potential borrowers' business places for evaluation of business books, taking inventory and turnover into considerationMeet gross loan portfolio targets and portfolio profit targets by maintaining a healthy number of loan customers while ensuring that all loans in portfolio are performingMonitor active loan portfolio to ensure continued use of business account and loan repayment performancePerform all other credit related functions as may be assigned by a supervisor

Qualifications

A minimum of an OND in any business related disciplineA minimum of 2 years experience in a sales role for credit products in a financial institutionDemonstrable knowledge of credit risk analysisA good knowledge of financial analysis is an added advantageMust be resident in Kano

Relevant Skills

Apt attention to detailsProven simple/complex analytical skillsExcellent communication, presentation and interpersonal skillsAgility and perseverance

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