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Mobisol,Loan Field Officer Jobs in Rwanda

Othuke Andrew Akpeli04 mins

Department
Country Office (CO), Zonal Hub,
Customer Finance
Level
Officer
Authority
  • None
Reports to
  • Disciplinary:  Supervising
    Loan Field Officer (SLFO)
  • Functionally: SLFO
Interfaces
  • Customer Care Department
  • Service Network Department
  • Sales Department
  • MobiShop Department
Description
The Customer Finance department (HQ,
CO) is responsible for the receivables risk management (RRM). This includes
among others:
1. Assessment of applicants,
2. Customer Work-Out, and
3. Portfolio Management. It further
includes the assessment of causes for bad performances of the portfolio (e.g.
fault scheme, training deficits). The Loan Field Officer is responsible for
the Customer Work-Out, gathering of benchmark data for assessment purposes
and analysis of causes for portfolio deteriorations.
Activities
Responsible for
  • Carrying out customer work-out,
    including the following five work-out categories to be applied to
    customers in late repayment:
  1. Call to client clarifying
    contractual liabilities
  2. Call to client, clarifying
    repossession options
  3. Field visit, analysis of payment
    sources, 1st ultimatum
  4. Field visit, adjusted analysis,
    last ultimatum
  5. Repossession
  • Supporting the process of
    assessing applicants by gathering benchmark data
  • Supporting the analysis of
    causes for portfolio deteriorations
  • Providing regular portfolio,
    compliance and routing report to the Supervising Loan Field Officer.
KPIs
  • On time and complete reporting
    to SLFO about Customer Work-out process
  • Maintain Portfolio at Risk
    (PAR)>1 of assigned countries below agreed target
  • Country field operation
    efficiency: customer visited
Requirements
Experience
  • High level of familiarity with
    typical income, expenditure and cash flow patterns of rural and
    peri-urban households and micro-enterprises in assigned country region,
    including farmers, animal breeders, business owners and employees
  • Professional experience in
    traditional bottom-of-the-pyramid (BoP) lending techniques, preferably
    in microfinance sector
  • Experience in financial analysis
    isa strong asset
  • Knowledge about market – and
    business risks associated with typical Mobisol customers an asset
  • Sound agronomic and veterinary
    knowledge an asset
Soft skills
  • Outstanding skills in customer
    relationship management (responsible finance principles, service
    excellence principles, conversation management, claim management, loan
    work-out)
Other
  • Computer literacy
  • High willingness to spend the
    majority of time travelling within assigned districts to meet customers

If
you feel intrigued by this challenging opportunity, please send your
application (letter of motivation – stand out! CV, references) with the subject
line “Loan Field Officer” to mobisolrw.recruitment@plugintheworld.com
not later than  July 29th 2017.As an equal opportunity employer,
Mobisol offers all of its employees and applicant’s full equal opportunity
irrespective race, ethnic origin, sexual identity and disability, religion or
beliefs.
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