Multiple Positions – ExpressCredit Zambia
Job Description
ExpressCredit is a global consumer finance company operating in Zambia and 3 surrounding countries, including Botswana, Namibia, and Lesotho. Our company helps individuals in a need of short-term and long-term financial solutions – all of which make a meaningful and lasting impact on the local communities. Since 2018, ExpressCredit has more than tripled its global operations and grown significantly worldwide. If you want to work for a dynamic, forward-thinking and socially responsible financial services provider we are the right match for you!
ExpressCredit Zambia, a registered non-deposit taking financial institution is inviting suitably qualified, competent, skilful and highly motivated professional based in Lundazi, Kawambwa, Nchelenge, Katete and Chama or willing to self-relocate for the Senior Loan Officer Position.
1. Senior Loan Officer
Job Purpose
Takes charge in selling YesCash Zambia products & services, screening, evaluation of loan documentation and processing of loan applications as per laid down Policies and Procedures, general customer service
Key Responsibilities
1. Sales Point Management, Custodian of all Sales Point assets
Ensure Sales Point is open and ready for business by 07:55 hours.
Ensure Sales Point is locked and safely secured at end of day.
Ensure the Sales Point is clean and conducive for business and customers.
All equipment must be in good working condition for smooth branch operations.
2. Customer Care, Ensure excellent customer service to all customers.
Resolve customer complaints and queries and ensure they are handled within 24hrs.
Escalate all customer queries and complaints that cannot be handled by the branch immediately and ensure they are resolved within 48hrs.
Ensure customer refund claims are handled with utmost care and customers are refunded within 48hrs.
All customer refund claims are completed and signed off before escalating to SSC for processing.
Customers are fully informed about all products and services
3. Loan Processing, All loans are processed as per policy and procedure adhering to underwriting rules.
All loan files are secured in the branch daily before dispatching to Head office.
All loan files processed in a month are couriered to Head office for archiving during the first week of the following month.
All mandates are couriered to Head Office (Credit department) by Monday the following week.
4. Sales,Management of Direct Sales Agents to drive sales.
Set daily marketing plans for DSAs and set daily targets.
Ensure branch sales targets are achieved.
Prepare monthly and weekly sales plan and send to Sales Manager and Head- Branch Operations
Ensure all sales plans are implemented.
5. Document Archiving,Ensure all documents e.g, Cash receipts, refunds, loan documents are kept safe and secure in branch before dispatching to HQ for archiving.
Ensure all loan documents are couriered to HQ for archiving within 5 working days of the following month.
All mandates are couriered to Head Office (Credit department) by Monday the following week.
6. Reports, Ensure daily and weekly reports are sent completed efficiently and sent on time.
Qualifications and Requirements
Grade 12 School Certificate with 5 credits including English and Mathematics
Diploma or better in sales or any business-related course,
Must have a Valid Driver’s Licence
Computer literate (Microsoft Word and Excel)
Relevant sales and marketing skills- Basic knowledge in financial analysis
Must have sales and marketing experience
Honesty and Integrity
Attention to details
Good organizational and multi-tasking skills.
Knowledgeable in YesCash Zambia Credit Procedures and Products
Excellent interpersonal skills
Good understanding of customer service principles,
Excellent communication skills (oral& written)
2. Loan Officer
Express Credit Zambia seeks to recruit a self- motivated, experienced, skillful and result oriented professional based in Katete, Nchelenge, Lundazi, Kawambwa and Chama or willing to self-relocate for Loan Officer position
Job Purpose
The Loan Officer takes charge in selling YesCash Zambia products & services, screening, evaluation of loan documentation and processing of loan applications as per laid down Policies and Procedures, and responsibility over the loan quality under his/her portfolio, general customer service. The role also includes receiving customers’ repayments, pay out loan disbursements, and entertain customers’ concerns related to their accounts, refunds, payments, arrears, interpret customer loan statements and settlement enquiries, Cash management. General customer service.
Key Responsibilities
Advise customers on all YesCash Zambia products and services
Sell and cross sell YesCash Zambia products and services
Actively engaged in generating sales by bringing customers into branches
Process loan products to private and government offices
Creation of customer accounts in the system
Uploading of loan documentation on the system
Management of loan customer files as per archiving procedure.
Processing of customer refunds
Handling of customer complaints escalate by creating tasks on ERP as per policy
Manage good relationship with agents, who bring in new clients
Receive and post cash loan repayments as per laid down procedure
Receive cheque repayments, post on customers’ accounts, and ensure they are deposited in YesCash bank account.
Disburse loan proceeds and cash refunds
Verify that all loan documentation is fully signed by customers and YesCash representatives before disbursing loan proceeds
Verify customers’ identity before making any cash pay out
Maintain teller register and other files
Overall cash Management
Provide general customer service
Qualifications and Requirements
Grade 12 School Certificate with 5 credits including English and Mathematics
Diploma or better in any business-related course,
Computer literate (Microsoft Word and Excel)
Relevant selling and marketing skills- Basic knowledge in financial analysis
Basic sales and marketing skills
Honesty and Integrity
Attention to details
Good organizational and multi-tasking skills.
Knowledgeable in YesCash Zambia Credit Procedures and Products
Excellent interpersonal skills
Good understanding of customer service principles,
Excellent communication skills (oral& written),
3. Loan Officer Intern
We invite suitably qualified recent graduates based in Katete to apply for internship as Loan Officer in our Operations Department.
Job Requirements
Must be a Recent Graduate (graduated between 2022 to 2024)
Diploma or better in any business-related course,
Full Grade 12 Certificate
No work experience required
Basic sales and marketing skills
Basic knowledge in financial analysis
Honesty and Integrity
Good organizational and multi-tasking skills.
Strong interpersonal and communications skill.
Attention to details
Good understanding of customer service principles,
Enthusiastic and self-starter,
Analytical, good problem solver.
Valid driver’s Licence will be an added Advantage
To learn more about ExpressCredit, visit: www.expresscredit.co.zm
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