About Numida:
Numida uses proprietary credit models and tech-enabled underwriting processes to provide unsecured working capital loans to African micro and small businesses. Instead of borrowing from informal lenders or family, business owners download the Numida app, apply in minutes, and receive capital within a day. There’s 20 million of these businesses in Africa representing a $5 billion market opportunity and traditional microfinance is failing them. We have figured out how to score and disburse unsecured loans to cash-based businesses that have no digital transaction history, with excellent collection rates. Within 10 years, we anticipate enabling at least 1 million small business owners on the continent to achieve their dreams. We are Uganda’s first YC-backed startup and are also backed by world class investors such as Serena Ventures, Onafriq, Breega, and 4Di Capital.

For more information about Numida, please visit numida.com

Job purpose:
You will conduct due diligence on potential borrowers, analyze creditworthiness and ability to repay, and effectively manage your portfolio while ensuring compliance with Numida’s methodology and policies.

Reporting Line:
This role typically reports to the Credit Team Leader.

Responsibilities:
• Engage with loan applicants via phone to conduct due diligence interviews on all new loan applications and repeat loan applications requiring manual review
• Perform financial analysis of loan applicants and interact with loan applicants as necessary to better understand and validate their business activities and financial situation
• Make adequately supported recommendations to the Credit Committee for every loan application
• Collect loan repayments as they fall due, and follow Numida’s escalation process for delinquent borrowers
• Execute referral calls in order to generate new business
• Collaborate with the Product team and participate in various experiments that aim to improve the quality of Numida’s service and/or the efficiency of the CRO role
• Address inbound service inquiries (via phone and WhatsApp) and assist all Numida clients until full resolution of the issues, escalating to the correct department when necessary
• Conduct periodic field visits for monitoring and escalation of collections
• Ensure that the level of service provided to our customers is maintained to the standards set forth by the company
• Resolve complaints in an effective, timely manner whilst maintaining the highest standards of professionalism
• Record complete, quality and honest information into our Customer Relationship Management (CRM) system to enable Numida to address customer issues effectively
• Be responsible for maintaining up to date knowledge of Numida’s product offering to ensure any information offered to clients is accurate and helpful

Job Requirements:
Your profile:
• 2+ years of experience in a credit officer or related role
• Proficient in computer and mobile technology – you are experienced with Android apps and desktop productivity software like Google Drive, Google Sheets, Google Docs etc.
• Verbal and written fluency in both English and Luganda. Fluency in other Ugandan languages is an asset.
• Ability to provide customer care via chat using professional, concise, and slang-free English
• Knowledge about and practical experience with the principles of great customer care, and superb phone etiquette
• Exceptional organizational skills and attention to detail
• Excellent interpersonal skills and high levels of empathy – you are patient enough to truly listen to and understand the needs and wants of Numida’s users, and can address their complaints with compassion
• Type 30+ words per minute (desired)

Why Numida:
At Numida, we believe our values make a difference:
• We are committed to active inclusion and diversity
• We are transparent
• We succeed when our customers succeed
• We do not only get things done but also in the right way.
• We value, support and help each other grow.
• And we have fun!

How We'll Reward You:
This contract will be renewed monthly based on performance, with the possibility of long-term extension in a fast-growing East African technology start-up. We are an unconventional business, and our workplace is inspiring with a lot of opportunities for personal growth and fun. You will receive a competitive salary and benefits commensurate with experience, and have the opportunity to work with a dynamic and diverse team based in Uganda, Kenya, Canada, India, and South Africa.

We will conduct interviews on a rolling basis, so you are encouraged to apply as soon as possible.