Credit Sales Officer - Logbook and Asset Finance
Nairobi, Nairobi, Kenya
Full Time
Experienced
About Umba
Our mission entails providing accessible and cost-effective financial services across Kenya, enabling our customers to take charge of their financial well-being. We are committed to seizing a unique opportunity to transform the financial landscape in Kenya by harnessing the power of machine learning to develop intelligent, affordable financial products tailored for emerging markets. Our machine learning models are continuously improving, and we leverage AI and automation to deliver banking solutions at the lowest possible cost to our expanding customer base.
We have acquired a deposit taking Microfinance bank to allow us to offer full digital banking services in Kenya. Our primary focus is to offer a comprehensive range of digital banking products through Android and iOS Apps, and we take pride in our culture of consistently surpassing customer expectations, which has fueled our rapid expansion.
We are actively seeking outstanding individuals who not only possess exceptional talent but also share our vision, determination, and sense of purpose. Join us in our endeavor to establish the largest neo-bank in Africa.
Job Summary
Our mission entails providing accessible and cost-effective financial services across Kenya, enabling our customers to take charge of their financial well-being. We are committed to seizing a unique opportunity to transform the financial landscape in Kenya by harnessing the power of machine learning to develop intelligent, affordable financial products tailored for emerging markets. Our machine learning models are continuously improving, and we leverage AI and automation to deliver banking solutions at the lowest possible cost to our expanding customer base.
We have acquired a deposit taking Microfinance bank to allow us to offer full digital banking services in Kenya. Our primary focus is to offer a comprehensive range of digital banking products through Android and iOS Apps, and we take pride in our culture of consistently surpassing customer expectations, which has fueled our rapid expansion.
We are actively seeking outstanding individuals who not only possess exceptional talent but also share our vision, determination, and sense of purpose. Join us in our endeavor to establish the largest neo-bank in Africa.
Job Summary
Umba is currently in search of a Credit Sales Officer to join our team based in our Timshack Office. In this role, the Credit Sales Officer will be responsible for sourcing, managing and accessing credit applications especially logbook loans from individuals and businesses. Your primary responsibility will be to plan for and drive business growth in terms of clientele, loan portfolio and quality.
We invite you to join our dynamic team and contribute to the growth and success of our digital bank by playing a key role in ensuring responsible and efficient credit operations.
Responsibilities
Sales & Business Development:
Sales & Business Development:
- Identify and acquire new clients through direct sales, referrals, and field visits.
- Relationship Management for Proper KYC and KYB
- Promote the company’s logbook and Asset finance credit products, explaining features and benefits to potential customers.
- Build and maintain strong relationships with existing clients to encourage repeat business and referrals.
2. Credit Assessment & Loan Processing:
- Assist clients in completing loan applications and gather necessary documentation.
- Conduct preliminary credit assessments to evaluate a client’s ability to repay the loan.
- Submit loan applications for approval and follow up on the disbursement process.
3. Client Management & Collections:
- Monitor clients’ repayment behavior and ensure timely loan repayments.
- Proactively engage customers who may face repayment challenges and provide solutions.
- Work with the collections team to manage delinquent accounts and recover outstanding loans.
4. Compliance & Reporting:
- Ensure all transactions adhere to company policies, procedures, and regulatory guidelines.
- Maintain accurate records of client interactions, loan applications, and sales performance.
- Provide daily, weekly, and monthly reports on sales performance, client portfolio, and collections.
Key Qualifications & Skills:
- Education: Diploma or Bachelor's degree in Finance, Business, Marketing, or a related field.
- Experience: At least 1–3 years of experience in Logbook and Asset financing, banking, microfinance, or a related industry.
- Strong sales and negotiation skills, with a proven ability to meet targets.
- Knowledge of credit risk assessment and loan processing.
- Excellent customer service and relationship management skills.
- Ability to work independently and as part of a team.
- Proficiency in MS Office (Excel, Word, PowerPoint) and CRM systems.
Key Performance Indicators (KPIs):
- Number of new clients acquired.
- Volume of loans disbursed.
- Loan repayment rate and portfolio quality.
- Customer retention and satisfaction levels.
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