Direct Sales Executive x3

Job description

Working Hours: 40 hours per week

Reporting/Accountable To: The Chief Financial Officer (CFO)

Responsible For: Exceptional business performance through marketing and sales.

Remuneration: Fixed plus Commission.

Main Duties and Responsibilities

Key Responsibilities

Key Tasks & Outputs

1.    Portfolio Quality

a. Maintain a portfolio quality and the portfolio at risk (PAR) within the risk appetite of the company.

b. Maintain a loan loss rate as prescribed in organisational policies.

c. Ensure recoveries of written off loans.

d. Maintaining relationships with clients and providing ongoing support.

2.    Portfolio growth & Disbursements

a)  Ensure quality growth of the loan portfolio by identifying and engaging with potential customers and, showing and explaining the features and benefits of our loan products.

b)  Ensure timely collections for loan repayments due.

c)  Analysing loans proposals and make recommendations.

d)  Champion efforts in mobilizing new/potential markets by gathering feedback on customer needs and market trends.

3.    Customer Services.

a)  Persuading customers to make a purchase.

b)  Ensure a high rate of customer retention.

c)  Ensure that client complaints are resolved and reduced to Zero.

d)  Assist clients in preparing loan application and business profile.

e)  Analyse loan proposals and make recommendations to credit committee.

4. Compliance to Credit Policy.

a)  Ensure proper loan file documentation.

b)  Ensure that existing clients are monitored at prescribed intervals.

c)  Ensure policy and procedures for delinquency escalation are followed.

5. Client Protection.

a)  Ensure adherence to client protection principles.

b)  Ensure that clients are not over indebted.

c)  Ensure that clients are treated with respect at all times.

d)  Ensure transparency and integrity in all dealings with clients.

6. Coordination

a)  Ensure Daily, Weekly and Monthly Management reports are submitted for review and management action.

b)  Ensure client financial education is delivered and reports are submitted to Management.

c)  Develop proposals for further improvement of the business, including concepts for new products and services.

d)  Attend to clients and resolving any outstanding issues

e)  To perform any other duties as may be assigned by the CFO.

7. Fraud & Reporting Management

a)  To alert the CFO of any irregularities and suspected frauds immediately such occurrences happen/are identified.

b)  Ensure Zero tolerance to occupational fraud or client fraud.

8 Minimum qualification requirements and competencies:

Diploma in Marketing, Accounting, Banking and Finance or Business Administration.
2 Years of Work Experience in marketing, sales, business development, credit administration, operations/microfinance industry.
Determined personality with initiative, perseverance and the ability to acquire new customers and business.
Ready to comply and live up to and in accordance with the organization Ideals and Core Values
Very good communication and marketing skills
Good knowledge in economic and financial matters
Good analytical and problem-solving skills.

9 Accounting Knowledge and Experience

At least one-year experience in data processing in a very busy environment.
Knowledge of lending, credit and risk management including pre-loan eligibility requirements, collateral, loan approval processes, repayment terms and incentives, delinquency and default management

10 Banking Regulations and Legal Compliance

Knowledge of lending, banking and transformation products policies and procedures
Knowledge of lending, credit and risk management including pre-loan eligibility requirements, collateral, loan approval processes, repayment terms and incentives, and delinquency and default management

11 Performance Management

Ability to set and deliver business goals.
Ability to set, monitor and assess achievements against performance targets, quality standards, and service agreements that aligns with business plan.
Meeting and exceeding sales objectives.

12 Reporting and Communication Skills

Exceptional oral and written communication skills with the ability to communicate clearly and persuasively, speak clearly to third parties and employees, interpret documents, understand procedures, and write reports and correspondenc
Ability to meet reporting expectations of the Management

How to Apply

Send your application to us using the email address: intentlendingzambia@gmail.com

Your application should include the Cover Letter, Curriculum Vitae containing contact details of three references and copies of ID and academic/professional qualifications.

Only shortlisted candidates will be contacted!