Field Credit Officer

About the Position

Field Credit Officer (Anambra)

Moniepoint, ranked in 2024 by the Financial Times as Africa’s fastest-growing fintech, is 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 the Role

As a Field Credit Officer, you will be responsible for onboarding and managing businesses that access our credit products. Your primary duties will include growing your loan portfolio while ensuring profitability by ensuring all loans are repaid as due. You will assess businesses during their credit application and use innovative tools to monitor their performance throughout the loan period.

You will also evaluate the 5Cs of credit, with a focus on capacity, character, and capital. You will make recommendations to management before, during, and after the disbursement of a loan facility, considering various 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 qualify for credit access.
• Review and approve (or decline) loan requests by analyzing all available data.
• Conduct physical visits 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 all loans in the portfolio are performing.
• Monitor the active loan portfolio to ensure continued use of business accounts and loan repayment performance.
• Perform all other credit-related functions as 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.
• Must be a resident in Anambra.

Skills & Competencies

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

What Success Looks Like

• 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.

About the Company

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.