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Job Title:    Credit Sales Executive – Individual lending

Organization: Pambana Martan Financial Services Limited

Duty Station: Uganda

Reports to: The Credit Supervisor

Job type: Full-Time

 

About US:

Pambana Martan Financial Services Ltd is a credit only microfinance Institution in Uganda with the head office on 5th Floor General Post Office Building regulated by Uganda Microfinance Regulatory Authority under the UMRA Act, 2016.

 

Job Summary: The Credit Sales Executive-Individual lending: reports to the  Credit Supervisor and is responsible for recruiting of clients, verifying sources of income and visiting prospective clients’ homes and businesses to assess credit worthiness. 

·       To contribute to the profitability of the company by effectively achieving set sales targets through actively and proactively identifying sales opportunities;

·       To keep the portfolio at risk at the acceptable minimum through actively following up on all clients for timely repayments;

·       To proactively and continuously deliver service excellence

 

Key Duties and Responsibilities: 

Sales

·       To manage own sales production performance and implementing corrective actions to achieve target objectives;

·       Proactively driving sales through a combination of advertising, customer referrals and viral marketing (word of mouth).

·       Ensure that you contribute to the profitability of the company by meeting individual sales targets set by management;

·       Effectively achieving set sales targets by actively and proactively identifying of opportunities;

Marketing

·       Leads prospecting through:

·       Approaching potential new customers;

·       Gaining an understanding of their business;

·       Identifying product suitability and generating customer product appetite where appropriate.

·       Building a relationship with potential clients by keeping in contact with them and making regular contacts to determine their financial needs and provide support and advise;

Loan appraisals

·       Client business premises visits;

·       Ensure there is a good fit between the customer and the company;

·       Ensure the customer is able to repay the loan;

·       Ensure all key business risks are analysed;

·       Ensure all financial computations are correct and customer meets affordability criteria;

·       Ensure all the information and data gathered is consistent and is verified by mandatory physical visits to the client’s business and residence;

·       Ensure cash flow and repayment capacity are correct and comparable to other similar businesses;

·       Ensure loan structuring fits the business, capacity and project;

·       Assessment of collateral by ensuring correct valuation, physical verification of existence and ownership and ensuring it adequately covers the loan value;

·       Assessment of guarantor to ensure they meet our affordability criteria through mandatory physical visits to the guarantor’s business and residence;

Collections

·       Submit daily collection reports as and when required;

·       Review and follow-up of arrears reports for own customer base;

·       Arrear customer collections visits;

·       Collection of outstanding deposit slips from customers;

·       Handling of receipting related queries for customers;

·       Assist in handovers to enforcement where necessary;

·       Collections visits to guarantors;

·       Follow-up with customers in enforcement and attempt to get a payment arrangement.

Portfolio management

·       Perform loan utilization checks within one week after disbursement;

·       Responsible for clients’ loan performance by educating the clients on why they need to repay their loans in the stipulated loan terms and by monitoring your clients loan performance for any default;

·       Identification of customer business viability issues and handover to enforcement where appropriate;

·       Review and management of customer portfolio (portfolio size, number of customers, portfolio at risk and arrears total);

·       Early monitoring of the customer portfolio by making regular visits to the customers’ business premises, especially during the first three (3) months after disbursement.

 

Qualifications, Skills and Experience:

·       The applicant should hold a Bachelor’s degree in a related field will be preferred

·       Computer Literacy

·       Two years of sales and marketing experience

·       Experience in a Microcredit institution will be preferred

·       Integrity

·       Customer service oriented

·       Analytical / Structured thought process

·       Ability to work under pressure

·       Target driven and goal focused

·       Self-motivated

·       Great interpersonal skills

·       Excellent communication skills

·       Ability to work in a team

·       Planning and organization skills

·       Valid drivers and / or riders License

Minimum Academic Qualifications

·       Diploma or Bachelor’s Degree in Commerce, Microfinance, Business Studies, Accounting and Finance, Marketing, or in any other relevant / related field.

·       Two  Principal passes at A-Level +.

·       Credit and /or Pass in English and Mathematics at O- Level.

Person Specifications

·       Should be ready to challenge themselves to continuously deliver exceptional performance.

·       Should be computer literate, highly motivated, innovative and a self-starter.

·       Should have excellent presentation, interpersonal and communication skills.

·       Should possess leadership skills.

·       Should be honest, trustworthy and have a high degree of integrity.

·       Should be fluent in commonly used local languages in the respective regions.

·       Should not be more than 35 years of age.

Desired behaviours

·       Confidentiality, Self-drive,

·       Self-confidence, Integrity, pro-activeness,

·       Compliance to policies, Discipline,

·       Diligence and Efficiency

·       Self Confident

 

How to Apply:

All applications (CV, academic credentials and 2 letters of recommendation from referees) to info@pambanamartan.co.ug

 

Deadline: 22nd March 2021 at 5:00pm 

 

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