About the Role
Moniepoint is a leading financial technology company digitizing Africa's real economy by building a comprehensive financial ecosystem for businesses. We are currently looking for a results-driven Field Credit Officer to join our team in Ebonyi, reporting directly to the Regional Credit Manager. In this role, you will be instrumental in onboarding high-potential businesses, expanding our loan portfolio, and ensuring high repayment rates while maintaining overall portfolio profitability.
Key Responsibilities- Identify and onboard viable businesses within the Ebonyi region to open and actively use Moniepoint business accounts.
- Conduct thorough credit risk assessments, evaluating applicants based on the 5Cs of credit with a strong focus on capacity, character, and capital.
- Perform physical site visits to potential and active borrowers to evaluate business books, inventory, and turnover.
- Review, analyze, and approve or decline loan applications using our innovative suite of financial tools.
- Monitor active loan portfolios to ensure consistent account usage and timely repayments, minimizing default rates.
- Meet and exceed gross loan portfolio and profitability targets set by the organization.
- Minimum of an Ordinary National Diploma (OND) in any business-related discipline.
- At least 2 years of proven sales experience dealing with credit products within a financial institution.
- Demonstrable knowledge of credit risk analysis and financial statement evaluation.
- Strong attention to detail with exceptional analytical, communication, and interpersonal skills.
- High level of agility, resilience, and perseverance to thrive in a dynamic field environment.
- Competitive compensation package with performance-based incentives and robust benefits.
- Accelerated career growth opportunities within Africa's fastest-growing fintech company.
- Directly impact the economic growth of local businesses by providing essential financial solutions.