Credit Officer- Lake Zone x2
CVPeople Tanzania
Mwanza & Dar , Tanzania | Posted on 02/18/2021
Job Description
The
Credit Officer, Lake Zone of our client oversees credit of one of the
most important Zones, comprising Mara, Mwanza, Geita, Kagera, Shinyanga,
and Simiyu. The Credit Officer is responsible for administration of the
loan portfolio which is majority comprised of fishing light purchase
plan receivables, but also includes solar water pump and home system
receivables. The Credit Officer monitors individual clients and client
segments (Beach Management Units being a key geographic unit), gaining
insights and following-up to ensure timely payment. The Credit Officer
also manages related risks including equipment hacking, theft, and
fraud, with support and oversight from their manager. Lastly, the Credit
Officer is responsible for managing repossessions. This role is
critical to the team and will be expected to collaborate with customer
care, field services, hardware, inventory, finance, and sales to improve
client performance.
The position initially reports directly to
the Credit Analyst. There will be significant exposure and collaboration
with all departments, including Sales, Customer Care, Hardware, Field
Service, Inventory, Finance, and Senior Management. Pay: Salary with
benefits and discretionary bonus, to be determine Key Responsibilities:
The Credit Officer is responsible for Lake Zone customer repayments:
Credit Portfolio & Receivables Administration - Follow-up on
accounts receivable, proactively pursuing late clients; - Lead and
Coordinate termination of loans and the collection of equipment;
Underwriting - Work with Credit Analyst to continually improve
underwriting criteria; - Support KYC efforts, monitoring compliance and
suggesting improvements; - Engage with stakeholders to gain better
insights and make better decisions on both prospects and existing
clients; - Gain insights on causes of lateness and interact with Credit
and Sales team to improve; Ensure Security of Receivables - Serve as the
point person for emergent cases of theft, equipment hacking, or fraud; -
Proactively manage these cases, leading their resolution in
coordination with other departments and under oversight of Credit
Analyst; - Manage database of Fishing Lights reported missing or stolen;
- Identify emergent risks and behaviors of staff or clients that need
to be addressed;
Engage with local authorities where necessary and
under direction of Simusolar Leadership; Portfolio Reporting -
Contribute to weekly reports regarding portfolio performance, including
root causes of lateness, trends, and causes of non-performing loans
(NPLs); - Engage in periodic analyses and investigations as needed to
administer the portfolio.
Requirements
Experience:
- The Credit Officer is an experienced loan officer with hands-on
credit management experience: Minimum 3 years’ experience in credit /
loan management;
Preferred: Experience with repossessions;
- Preferred: Experience with investigations of theft or fraud;
internal, non-financial audit experience;
-Skill & Qualifications: - A holder of Advanced Diploma or Bachelor Degree in Business Administration/B. Com/Accountancy.
-Excellent customer service, networking and communication skills - Ability to work under pressure with tight deadlines
-
Good organisation and planning skills - Excellent oral and written
English - Computer literacy with Microsoft Office products (Excel, Word
and PowerPoint)
In additional to that must be Proactive,
self-starter, resourceful, Open-minded, flexible approach to problem
solving, Resilient to changing circumstances and challenges.
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