Credit Officer

Lendha is a quick money lending platform. We provide facility for emergency funds, house / office / shop rent and lifestyle loans.

We are recruiting to fill the position below:

Job Position: Credit Officer

Job Location: Ikorodu, Lagos
Job Schedule: Full time

Job Description

• Manage the debt collection processes and work with analysts to develop, recommend, and enact payment plans to eliminate client debt in an agreed timeframe aligned with Lendha’s collections policy.
• Debt Settlements: Accurately maintain client records and manage all past due accounts and determine the appropriate collection action to be taken for each individual client.
• Collect delinquent accounts by contacting customers via telephone, email, and visiting the place of business.
• Compile daily, weekly, and monthly reports on the status of delinquent accounts, collection activity, and accounts receivable status.
• Loan Portfolio Growth: Support the evaluation of loans given to customers by ensuring that credit appraisals are completed properly and uphold monitoring of accounts to identify outstanding debts.
• Report progress of collections to Supervisor, make recommendations for next steps and write-offs.
• Customer Acquisition: Present, promote and sell Lendha’s products using solid negotiations to existing and prospective clients across relevant sectors, including but not limited to companies in the e-commerce, consumer goods, healthcare, and financial services industries.
• Review terms of contract and service with client and clearly communicate various payment options.
• Work cooperatively with other departments to best determine how to balance both the customer's and Lendha's needs.

Qualifications

• Bachelor`s Degree or Higher National Diploma in any discipline from accredited polytechnic or University with NYSC discharge certificate or NYSC Exclusion Letter.
• Good relationship and communication skills with strong team spirit
• Strong analytical skills
• Good computer skills
• Real motivation to work and grow in a performance based environment
• Taste for fieldwork

Additional Knowledge / Skills Required:

• Practical knowledge of micro / small / medium businesses
• Knowledge of microfinance bank sector is an advantage
• Good writing skills
• Knowledge of the major local languages
• Lives in Ikorodu - Lagos axis.

Benefits and Perks

• HMO and other statutory benefits.
• Join a young, passionate, hungry and growing team of entrepreneurs & facilitators
• Flexible working hours.