JOB PURPOSE
To lead and grow a new micro-credit institution's credit, operations, and recoveries functions. The role is responsible for building a strong loan portfolio, driving sales and customer acquisition, managing a team of loan officers, and ensuring portfolio quality with minimal defaults. The ideal candidate will be a dynamic, results-driven, and highly ethical professional.
KEY RESPONSIBILITIES
DRIVE GROWTH
- First 6 Months: Focus on sales – generate leads and bring in loans to build a strong loan portfolio and customer base.
- After 6 Months: Lead and drive a team of loan/field officers to continue growing the loan portfolio.
LEAD & MANAGE TEAM
- Recruit, train, mentor, and manage loan/field officers.
- Set targets, review performance, and ensure the team meets disbursement, collection, and acquisition goals.
- Ensure field officers adhere to strict institutional policies as directed by management.
OPERATIONS & CREDIT
- Oversee day-to-day operations and ensure smooth service delivery.
- Source and onboard clients, conduct appraisals, and ensure efficient loan processing and disbursement in line with policy.
- Ensure security/collateral documentation and registration are completed before disbursement.
PORTFOLIO MANAGEMENT
- Monitor repayment performance and track loan utilization.
- Maintain portfolio quality within PAR (Portfolio at Risk) targets.
- Identify early warning signs of stress and take proactive measures.
RECOVERIES MANAGEMENT
- Follow up on all overdue accounts from day one of arrears and maintain a collections diary.
- Negotiate repayment arrangements and conduct field visits for collections.
- Engage guarantors where necessary and ensure effective recovery of delinquent accounts.
- Recommend write-off or legal action to the MD with full documentation.
BUSINESS DEVELOPMENT
- Promote the company's loan products, including Invoice Financing.
- Build relationships with market associations, employers, and community groups.
- Identify new market opportunities and report them to the MD.
WHO WE'RE LOOKING FOR
EDUCATIONAL QUALIFICATION
- Bachelor's Degree in Business Administration, Finance, Economics, or any related field.
EXPERIENCE
- Minimum of 3 years experience in a similar or same position in a micro-finance or financial institution.
- Proven track record in loan origination, sales, portfolio management, and recoveries.
SKILLS & COMPETENCIES
- Strong leadership, team management, and communication skills.
- Hardworking, resilient, and of verifiable character.
- High integrity and must be of good standing.
- Ability to work under pressure and meet targets.
- Strong negotiation and interpersonal skills.
OTHERS
- Must reside in Weija or nearby communities such as Gbame, Mallam, McCarthy Hill, New Weija, SCC, Tuba, Kasoa, and surrounding areas.
WHAT WE OFFER
- Opportunity to lead and grow a new micro-credit institution.
- Supportive, professional, and high-performance work environment.
- Health insurance.
- Competitive compensation and performance incentives.
- Opportunities for personal and career growth.
Salary
Competitive
Monthly based
Location
Ghana
Job Overview
Location
Ghana