Field Credit Officer (Borno State)

Who we areMoniepoint is an all-in-one financial services platform for emerging markets and the second-fastest growing company in Africa. Since 2019, Moniepoint’s technology has powered over 3 million people, offering personal and business banking, payment, credit and business management tools to help them succeed. Moniepoint processed $182 billion in 2023, and currently processes the majority of the POS transactions in Nigeria.What We DoAt Moniepoint we are a customer-focused community, dedicated to crafting solutions that redefine our industry. We have several products that provide essential services for businesses such as credit, overdrafts etc. We leverage artificial intelligence and data to make our decisions but also have the technology and data-driven best practices used to support our businesses.JOB PURPOSEAs a field credit officer, you would be saddled with the duty of onboarding and managing businesses that would access our credit products. You would be tasked with growing your loan portfolio while maintaining profitability by ensuring that all loans are repaid as at when due. As a result, you would play a vital role in the assessment of these businesses during their credit application and leverage upon innovative tools we have developed to help you monitor their performance during the course of the loan.You would also be responsible for making deductions from several information sources pertaining to the 5Cs of credit with capacity, character and capital as major priorities. Making recommendations to management before, during and after the disbursement of a loan facility as to the best actions to be taken, taking several economic factors into consideration.Job Responsibilities* Identify and onboard viable businesses within your assigned geographical area to open business accounts with Moniepoint* Engage customers to ensure optimal usage of accounts in order to allow them qualify for access to credit* Review and approve (or decline) loan requests by thoroughly analyzing all the data available* Embark on physical visitation to potential borrowers’ business places for evaluation of business books, taking inventory and turnover into consideration* Meet gross loan portfolio targets and portfolio profit targets by maintaining a healthy number of loan customers while ensuring that all loans in portfolio are performing* Monitor active loan portfolio to ensure continued use of business account and loan repayment performance* Perform all other credit related functions as may be assigned by a supervisorQualifications* A minimum of an OND in any business related discipline* A minimum of 2 years experience in a sales role for credit products in a financial institution* Demonstrable knowledge of credit risk analysis* A good knowledge of financial analysis is an added advantage* Must be resident in Maiduguri MMC, Jere, Konduga, Dikwa, Biu, Bayo, Kwaya-kusar, Shani and HawulRelevant Skills* Apt attention to details* Proven simple/complex analytical skills* Excellent communication, presentation and interpersonal skills* Agility and perseveranceWhat we can offer you* Culture -We put our people first and prioritize the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.* Learning - We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.* Compensation - You’ll receive an attractive salary, pension, health insurance, annual bonus, plus other benefits.What to expect in the hiring process* A preliminary phone call with the recruiter* An interview with the Hiring Team.* An interview with a member of our Executive team.Moniepoint is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.