Mkobo is licensed as a Microfinance Bank by the Central Bank of Nigeria (CBN). We started operations in August 2015. MKOBO is not your typical MFB, we do not have a banking hall nor do we accept cash deposit. All transactions are done electronically.
We are primarily focused on the promotion of inclusive financial services through the development of innovative financial services that leverages technology to eliminate the costs and complexities usually associated with traditional financial services. We are recruiting to fill the position below:
Job Title: Credit Analyst
Location: Yaba Lagos
Experience Level: Experienced
Employment Type: Full-time
- This role will report to the Risk Manager and will be responsible for recovery of overdue payments from customers. The successful candidate will also be working with the credit department to assess credit applications and identify suitability.
- Devise customized recovery strategy on a case-by-case basis.
- Make outbound collection calls to defaulting customers.
- Manage relationship with external debt collectors.
- Design and negotiate payment plans for defaulting customers with management’s approval.
- Follow up with customers on previous payment plans.
- Maintain accurate, up-to-date customer account information.
- When necessary, liaise with Lawyers, Bailiffs, and Enforcement agencies.
- Negotiate settlements with customers.
- Take ownership of debt recovery cases and collateral where required.
- Maintain appropriate and comprehensive records of all customer discussions as it relates to debt recovery.
- Report daily, weekly and monthly progress against targets to Management.
- Participate in the weekly credit review committee meeting.
- Manage relationship with debtor customers to ensure compliance with repayment agreements.
- Conduct and document recovery visitations to customers.
- Review, process and reconcile accounts of indebted customers, to ensure amicable resolution & payment of agreed sum.
- Recover past due payments from delinquent customers.
- Work with the Risk Manager to assess credit applications.
- Perform detailed analysis on applications with reference to approved policies to assess suitability of applications.
- Minimum of Degree in Finance, Accounting, Economics, Business Administration, Statistics, etc. from a reputable University.
- Minimum of 2 years working experience in retail credit, risk and recovery.
Skills and Competencies:
- Knowledge of proper and ethical debt collection techniques.
- Ability to quickly build a picture of a customer’s personal circumstances and needs.
- Strong negotiating, counselling, and problem solving skills.
- Experience of collecting first and third party accounts.
- Working knowledge of Microsoft Office Suites Word, Excel and Access.
- Ability to maintain high level of confidentiality.
- Able to work well as part of a team and on own initiative.
- Strong attention to detail. Having a keen sense of urgency.
- Excellent listening ability and superb questioning techniques.
- Always accurate and on time in completing duties.
- Customer relationship management skills.
- Ability to work with little or no supervision.
- Problem Solving, Critical reasoning, detail oriented.
- Excellent verbal, presentation and writing skills.
- Demonstrate a good understanding of FINTECH
- Sound Knowledge of Civil Servant / Payroll Loans e. g through IPPIS and Oracle
Interested and qualified candidates should:
Click here to apply online
Application Deadline: 2nd December, 2020.
Note: Please note that if you’re not contacted within 2weeks from the deadline of this application, your application was not successful.