Credit Relations Officer (Full-time Microfinance Job) – Numida

Job Title: Credit Relations Officer

Deadline: 30/11/2024
Job Type: Full-time
Location: Kampala, Uganda

Company: Numida

Industry: Finance
Numida is a tech-enabled financial services provider offering unsecured working capital loans to African micro and small businesses. Using proprietary credit models, Numida provides business owners with fast and efficient access to capital via the Numida app. Backed by leading global investors, Numida aims to empower at least 1 million small business owners in Africa within the next decade.

Role Overview

The Credit Relations Officer (CRO) will be responsible for conducting due diligence on potential borrowers, analyzing their creditworthiness, managing loan repayment collections, and ensuring compliance with Numida’s credit methodology. The CRO will also provide exceptional customer service to Numida’s clients and contribute to the continuous improvement of its product offerings and processes.

Reporting Line: Reports to the Credit Team Leader

Key Responsibilities

Loan Application and Credit Analysis

• Conduct due diligence interviews with loan applicants via phone.
• Perform financial analysis and validate business activities and financial situations.
• Provide well-supported recommendations to the Credit Committee for loan approvals.

Loan Repayments and Collections

• Collect loan repayments as due and escalate delinquent borrowers as per policy.
• Conduct periodic field visits to monitor repayment activities.

Customer Relationship Management

• Handle inbound inquiries and resolve client issues promptly via phone and WhatsApp.
• Provide accurate information about Numida’s products and services.
• Maintain detailed, honest, and accurate data in the Customer Relationship Management (CRM) system.

Customer Service and Retention

• Deliver high-quality service to meet company standards.
• Resolve complaints effectively and professionally.
• Generate new business through referral calls.

Collaboration and Product Improvement

• Collaborate with the Product team on experiments to improve Numida’s services and CRO role efficiency.
• Ensure compliance with company policies and principles of customer care.

Qualifications and Requirements

• Education: Bachelor’s degree in Microfinance, Business Administration, Commerce, or a related field.
• Experience: At least 2 years in a credit officer or related role.
• Skills:
  • Proficiency in Android apps, Google Drive, Google Sheets, and Google Docs.
  • Fluency in English and Swahili (additional Kenyan languages are a plus).
  • Superb customer care and phone etiquette skills.
  • Strong organizational skills and attention to detail.
  • Empathy and interpersonal skills to address client needs effectively.
  • Ability to type at least 30 words per minute (desired).

Why Join Numida?

• Work with a dynamic, diverse team based across Uganda, Kenya, India, and South Africa.
• Thrive in a high-growth, early-stage technology start-up environment.
• Competitive salary and benefits.
• Inclusive and transparent workplace culture.
• Opportunities for personal and professional growth.
• Be part of a team making a significant social and economic impact in Africa.

How to Apply

Submit your application and motivation letter via the application link by 30th November 2024.

Note:

In your motivation letter, explain why you are a good fit for Numida and the position, emphasizing your past experiences.

Numida – Jobs in Uganda