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Credit Relationship Officer job at Numida | Apply Now
Are you looking for Banking/ Finance jobs in Uganda 2024 today? then you might be interested in Credit Relationship Officer job at Numida
About the Organisation
Numida is a pioneering Ugandan fintech company with a mission to empower small and medium-sized enterprises (SMEs) in Africa by providing accessible and unsecured working capital through digital technology. Founded in 2017, Numida has rapidly evolved into one of the leading providers of digital loans to underserved entrepreneurs, gaining recognition for its innovative approach to financial inclusion and data-driven credit assessment. The company fosters a dynamic and impact-oriented work culture that values transparency, creativity, and continuous learning, offering employees meaningful career growth, competitive benefits, and flexible work arrangements.
Numida’s business model leverages mobile technology and proprietary algorithms to disburse fast, affordable loans via a user-friendly app, enabling over 40,000 businesses across Uganda to thrive. With an expanding reach across East Africa, Numida is guided by core values of empowerment, integrity, innovation, and client-centeredness. The company also upholds strong corporate social responsibility by supporting local communities through financial literacy programs and inclusive economic development initiatives. For more information, visit their website at www.numida.com.
Numida uses proprietary credit models and tech-enabled underwriting processes to provide unsecured working capital loans to African micro and small businesses. Instead of borrowing from informal lenders or family, business owners download the Numida app, apply in minutes, and receive capital within a day. There’s 20 million of these businesses in Africa representing a $5 billion market opportunity and traditional microfinance is failing them. We have figured out how to score and disburse unsecured loans to cash-based businesses that have no digital transaction history, with excellent collection rates. Within 10 years, we anticipate enabling at least 1 million small business owners on the continent to achieve their dreams. We are backed by world class investors such as Serena Ventures, Onafriq, Breega, and 4Di Capital.
Kampala, Uganda
Full Time
Job Title
Credit Relationship Officer job at Numida
Numida
Job Description
Job Title: Credit Relationship Officer
Location: Kampala, Uganda
Reporting Line: This role typically reports to the Credit Team Leader.
The Role:
The individual will conduct due diligence on potential borrowers, analyze creditworthiness and ability to repay, and effectively manage their portfolio while ensuring compliance with Numida’s methodology and policies.
Duties, Roles and Responsibilities
Responsibilities:
Engage with loan applicants via phone to conduct due diligence interviews on all new loan applications and repeat loan applications requiring manual review
Perform financial analysis of loan applicants and interact with loan applicants as necessary to better understand and validate their business activities and financial situation
Make adequately supported recommendations to the Credit Committee for every loan application
Collect loan repayments as they fall due, and follow Numida’s escalation process for delinquent borrowers
Execute referral calls in order to generate new business
Collaborate with the Product team and participate in various experiments that aim to improve the quality of Numida’s service and/or the efficiency of the CRO role
Address inbound service inquiries (via phone and WhatsApp) and assist all Numida clients until full resolution of the issues, escalating to the correct department when necessary
Conduct periodic field visits for monitoring and escalation of collections
Ensure that the level of service provided to our customers is maintained to the standards set forth by the company
Resolve complaints in an effective, timely manner whilst maintaining the highest standards of professionalism
Record complete, quality and honest information into our Customer Relationship Management (CRM) system to enable Numida to address customer issues effectively
Be responsible for maintaining up to date knowledge of Numida’s product offering to ensure any information offered to clients is accurate and helpful
SERVICES
COMMERCIAL
SERVICES
INDUSTRIAL
SERVICES
RESIDENTIAL
Qualifications, Education and Competencies
Your profile:
2+ years of experience in a credit officer or related role
Bachelor’s degree in Microfinance, Business Administration, Commerce, or related field from an accredited University
Proficient in computer and mobile technology – you are experienced with Android apps and desktop productivity software like Google Drive, Google Sheets, Google Docs etc.
Verbal and written fluency in both English and Swahili. Fluency in other Kenyan languages is an asset.
Ability to provide customer care via chat using professional, concise, and slang-free English
Knowledge about and practical experience with the principles of great customer care, and superb phone etiquette
Exceptional organizational skills and attention to detail
Excellent interpersonal skills and high levels of empathy – you are patient enough to truly listen to and understand the needs and wants of Numida’s users, and can address their complaints with compassion
Type 30+ words per minute (desired)
Why Numida is fit for you:
At Numida, we believe our values make a difference
We are committed to active inclusion and diversity
We are transparent
We succeed when our customers succeed
We do not only get things done, but also in the right way.
We value, support and help each other grow.
And we have fun!
Your compensation and reward:
This is a full-time, high-growth role in an early-stage East African technology start-up. We are an unconventional business, and our workplace is inspiring with a lot of opportunities for personal growth and fun. You will receive a competitive salary and have the opportunity to work with a dynamic and diverse team based in Uganda, Kenya, India, and South Africa.
In your motivation letter, please make sure to explain why you are a good fit for Numida and this particular position, with a focus on your past experiences. We are actively building a Talent Pipeline for Credit Relationship Officers in Uganda – if you’re passionate about credit management and customer relationships, this is your chance to make a mark.
How to Apply
APPLICATIONS FOR THIS POSITION MUST BE ONLINE
Click the "Apply Button" Below to submit your Application
Deadline: 30th November 2024
