Roles and responsibilities.

• Sales and Business Development: Identify and prospect potential clients among small-scale business owners.
• Actively engage in sales activities to achieve loan disbursement targets.
• Conduct marketing campaigns and promotional activities to attract new clients.
• Client Relationship Management: Build and maintain strong relationships with existing and potential clients.
• Provide personalized financial guidance to clients and assist in the loan application process.
• Loan Origination: Assess the creditworthiness of clients and evaluate loan applications.
• Collaborate with clients to complete necessary documentation for loan processing.
• Customer Education: Educate clients on the benefits and terms of Zidisha’s loan products.
• Provide financial literacy training to clients to enhance their business management skills.
• Cross-selling and Upselling: Identify opportunities to cross-sell additional financial products or services.
• Promote loyalty and encourage clients to consider other offerings as their business grows.
• Compliance: Ensure compliance with microfinance regulations, internal policies, and ethical standards.
• Loan Repayment Monitoring: Monitor and track the repayment status of borrowers in a timely and efficient manner.
• Implement strategies to reduce delinquency and ensure adherence to repayment schedules.
• Customer Engagement: Establish effective communication channels with borrowers to provide support and address any concerns related to loan repayments.
• Educate clients on the importance of timely repayments and the impact on their creditworthiness.
• Negotiation and Resolution: Negotiate repayment plans with clients facing financial difficulties, ensuring a fair and mutually beneficial agreement.
• Collaborate with clients to resolve any outstanding issues and provide assistance in finding viable solutions.
• Documentation and Reporting: Maintain accurate and up-to-date records of all interactions with borrowers.
• Generate regular reports on collections performance and provide insights to management for continuous improvement.
• Compliance and Policy Adherence: Ensure compliance with microfinance regulations, internal policies, and ethical standards.
• Contribute to the development and enhancement of collection policies and procedures.
• Customer Relationship Management: Build positive and professional relationships with borrowers to enhance customer loyalty.
• Collect feedback from clients to contribute to the improvement of our products and services.
• Delivery on customer care services.
• Other tasks/projects as assigned.

Qualifications

• Minimum of 1 year experience in Sales and collection handling SME Unsecured Loans