About the Role
Moniepoint is a leading financial technology company digitizing Africa's real economy by building an innovative financial ecosystem for businesses. We provide payment, banking, credit, and business management tools to help enterprises succeed. We are currently looking for a results-driven Field Credit Officer to join our dynamic team in Ekiti. In this role, you will be instrumental in expanding our credit portfolio, onboarding viable businesses, and ensuring healthy loan repayment rates through rigorous evaluation and monitoring.
Key Responsibilities- Identify and onboard viable businesses within Ekiti to open and actively use Moniepoint business accounts.
- Engage customers to ensure optimal account usage, enabling them to qualify for accessible business credit products.
- Conduct thorough credit risk assessments based on the 5Cs of credit, prioritizing character, capacity, and capital.
- Perform physical visitations to potential and active borrowers' business locations to evaluate books, inventory, and turnover.
- Review, analyze, and make sound recommendations or decisions on loan requests.
- Monitor active loan portfolios to meet gross loan targets and portfolio profitability while maintaining low default rates.
- 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.
- Strong attention to detail with excellent analytical, communication, presentation, and interpersonal skills.
- High level of agility, perseverance, and dedication to achieving targets.
- Competitive salary and performance-based incentives.
- Opportunities for professional growth and career advancement in a fast-paced fintech environment.
- Comprehensive health insurance and other employee wellness benefits.
- A collaborative and innovative work culture dedicated to financial inclusion in Africa.