About the Position

Field Credit Officer (Ogun)

Ogun, Nigeria

About Us

Ranked in 2024 by the Financial Times, Moniepoint is Africa’s fastest-growing fintech, trusted by over 10 million business and individual accounts, processing billions of Naira in transactions monthly. Our mission is to enable financial happiness for every African, everywhere.

About this Role

As a Field Credit Officer, you would be responsible for onboarding and managing businesses that access our credit products. Your role involves growing your loan portfolio while ensuring profitability by ensuring all loans are repaid as and when due. You will play a vital role in assessing businesses during their credit application and leveraging innovative tools to monitor their performance throughout the loan period.

You will also be responsible for making deductions from various information sources about the 5Cs of credit, with capacity, character, and capital as major priorities. You will make recommendations to management before, during, and after the disbursement of a loan facility, considering several economic factors.

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 to allow them to qualify for access to credit
Review and approve (or decline) loan requests by thoroughly analyzing all the data available
Embark on physical visitations 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 the 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

Requirements

Minimum of an OND in any business-related discipline
Minimum of 2 years’ experience in a sales role for credit products in a financial institution
Demonstrable knowledge of credit risk analysis
Good knowledge of financial analysis is an added advantage

Skills & Competencies

Apt attention to details
Proven simple/complex analytical skills
Excellent communication, presentation, and interpersonal skills
Agility and perseverance

What Success Looks Like in This Role

Consistent achievement of gross loan portfolio targets and portfolio profit targets
Maintaining a healthy, performing loan portfolio with minimized default rates through rigorous physical visitations and monitoring
Successful onboarding and engagement of viable businesses that actively utilize Moniepoint business accounts
Accurate credit risk assessments based on key factors like capacity, character, and capital

Why Join Us

Competitive compensation, benefits, and career growth opportunities
Opportunity to work with Africa’s fastest-growing fintech and make a direct impact on business growth across the region

Field Credit Officer

Job description