Reporting to: Branch Manager

Core Hours: 8:00 - 17:30, Monday- Friday, 8:00-14:30 Saturday

Company Overview

4G Capital is the market leader in unsecured working capital lending in Kenya and Uganda. We empower micro and small businesses to grow and succeed by providing instant access credit and training to unlock business growth, maximising the impact for micro business owners. Products and services are delivered via mobile money and proprietary fintech systems and data-led algorithmic underwriting. The award-winning company is Africa’s highest scoring fintech B Corp, the highest standard in global ESG and impact assessment.

Purpose: To Unlock Human Potential for Good

Mission: To Grow Business with Capital and Knowledge

Vision: The first choice for MSME growth in Africa

Role and purpose

4G Capital Loans or Collections Officer are responsible for managing and maintaining portfolio growth and customer retention line with 4G Capital policies.

Duties and Responsibilities

• Acquire, Maintain and Grow Customer Base: Acquire new customers, support and retain existing customers and through their retention grow the customer base of the market to deliver new customer and active customer targets.
• Generate Revenue: Consistent delivery of monthly disbursement and collection targets. This includes marketing, sales, lead generation, customer onboarding and site visit, loan application and collection.
• Customer Service Delivery: Deliver first-rate customer service through consistent follow-up, and customer education.
• Know-Your-Customer and Due Diligence: As the first point of contact of the business with the customer, conduct proper due diligence and KYC to ensure that the customer is a viable customer in accordance with laid down procedures.
• Relationship management: Work with partnered Collections Officer to serve customers by a relationship management approach, gather Intel and create and maintain relationships with market authorities.
• Reporting: Document all customer interactions on Merlin from lead generation, customer follow-up and education, market intelligence on customer behavior or customer market area, and all collection measures taken. Assist in accurate and timely reporting of Management Information and market feedback to report on customer preferences, trends and market opportunities.
• Repayment: In charge of pair’s repayment rate through consistent follow-up, maintaining accurate interactions on company systems, negotiation of repayment schedules, and setting discretionary limits on loan amounts. The Collection Officer uses ‘soft’ (non-intrusive) collection methods to get repayments from the customer.
• Performing such other tasks and duties as the Company may from time to time designate as forming part of the Employee’s job description

KEY PERFORMANCE INDICATORS

• Disbursement
• Collection
• New customers
• Active Customers
• Loan tenure
• Average Loan Value

Personal Attributes & Competencies

• Team Player
• Detail orientation
• Self-motivated and proactive
• Flexibility and ability to adapt to change
• Problem solving/solution driven / negotiation
• Confident
• Excellent communication skills – articulate and well spoken
• Integrity and ability to work in a team
• High motivation
• Self-starter-functional problem solver
• Process discipline- Ability to follow SOP’s

Academic Qualifications

• Must have worked in credit for more than 6 months
• Must have demonstrated leadership skills
• A bachelors qualification in a business related course
• Computer literacy
• Fluent in English (written and verbal)
• Must be willing to relocate anywhere in the country