Field Credit Officer (Lagos)

About Us: 

Ranked in 2024 by the Financial Times, Moniepoint is Africa’s fastest-growing fintech, trusted by over 10 million business and individual accounts, processing billions of Naira in transactions monthly. Our mission is to enable financial happiness for every African, everywhere.

Job Title: Field Credit Officer 

Reports to: Regional Credit Manager 

Employment Type: Outsourced 

Work Mode: Onsite

Location: Lagos State - Agege, Alimosho, Amuwo Odofin, Apapa, Badagry, Ikorodu, Ibeju-Lekki, Ikeja, Kosofe, Lagos Island, Surulere, Ojo, Oshodi

About this role: 

As a Field Credit Officer, you would be saddled with the duty of onboarding and managing businesses that would access our credit products. You would be tasked with growing your loan portfolio while maintaining profitability by ensuring that all loans are repaid as and when due. As a result, you would play a vital role in the assessment of these businesses during their credit application and leverage innovative tools we have developed to help you monitor their performance during the course of the loan.

You would also be responsible for making deductions from several information sources about the 5Cs of credit, with capacity, character, and capital as major priorities. Make recommendations to management before, during, and after the disbursement of a loan facility as to the best actions to be taken, considering several economic factors.

Responsibilities:

• Identify and onboard viable businesses within your assigned geographical area to open business accounts with Moniepoint 
• Engage customers to ensure optimal usage of accounts to allow them to qualify for access to credit 
• Review and approve (or decline) loan requests by thoroughly analyzing all the data available 
• Embark on physical visitation to potential borrowers’ business places for evaluation of business books, taking inventory and turnover into consideration 
• Meet gross loan portfolio targets and portfolio profit targets by maintaining a healthy number of loan customers while ensuring that all loans in portfolio are performing 
• Monitor active loan portfolio to ensure continued use of business account and loan repayment performance 
• Perform all other credit-related functions as may be assigned by a supervisor 

Experience & Background:

• Minimum of an OND in any business-related discipline 
• Minimum of 2 years’ experience in a sales role for credit products in a financial institution 
• Demonstrable knowledge of credit risk analysis 
• Good knowledge of financial analysis is an added advantage 
• Must be resident in Lagos State – Agege, Alimosho, Amuwo Odofin, Apapa, Badagry, Ikorodu, Ibeju-Lekki, Ikeja, Kosofe, Lagos Island, Surulere, Ojo, Oshodi (Please indicate your preferred location).

Skills & Competencies:

• Apt attention to details 
• Proven simple/complex analytical skills 
• Excellent communication, presentation and interpersonal skills 
• Agility and perseverance 

What success looks like in this role:

• Consistent achievement of gross loan portfolio targets and portfolio profit targets. 
• Maintaining a healthy, performing loan portfolio with minimized default rates through rigorous physical visitations and monitoring. 
• Successful onboarding and engagement of viable businesses that actively utilize Moniepoint business accounts. 
• Accurate credit risk assessments based on key factors like capacity, character, and capital. 

Why join us: 

• Competitive compensation, benefits, and career growth opportunities. 
• Opportunity to work with Africa’s fastest-growing fintech and make a direct impact on business growth across the region.