About the Role
Moniepoint is a leading financial technology company digitizing Africa's real economy by building a comprehensive financial ecosystem for businesses. We provide payment, banking, credit, and business management tools designed to help enterprises succeed. We are currently seeking a dynamic and analytical Field Credit Officer to join our growing team in Nigeria. In this role, you will be instrumental in onboarding viable businesses, conducting thorough credit risk assessments, and maintaining a healthy, profitable loan portfolio. You will leverage our innovative technology tools to evaluate customer data, perform physical site visits, and ensure high standards of credit repayment and account utilization.
Key Responsibilities- Identify, engage, and onboard viable businesses within your assigned geographical area to open and actively utilize Moniepoint business accounts.
- Conduct comprehensive credit risk assessments focusing on the 5Cs of credit, with particular emphasis on capacity, character, and capital.
- Perform physical site visits to potential and active borrowers' business locations to evaluate operations, review business books, and assess inventory and turnover.
- Review, analyze, and make sound recommendations regarding loan applications, approvals, and disbursements.
- Monitor active loan portfolios to ensure timely repayments, minimize default rates, and maintain overall portfolio profitability.
- Collaborate with management to strategize on best actions for loan facilities based on prevailing economic factors and portfolio performance metrics.
- Minimum of an OND in any business-related discipline.
- At least 2 years of proven experience in a sales role for credit products within a financial institution.
- Demonstrable knowledge of credit risk analysis and financial evaluation.
- Exceptional attention to detail with strong analytical and problem-solving skills.
- Excellent communication, presentation, and interpersonal skills.
- High level of agility, perseverance, and dedication to achieving targets.
- Competitive salary and performance-based incentives.
- Comprehensive health insurance coverage.
- Opportunities for professional growth and career advancement within a fast-paced fintech environment.
- Dynamic and collaborative workplace culture.