4G
Capital (4th Generation Capital) is Africa’s fastest fintech providing ethical
credit services to those who require it most.
We
provide rapidly accessible and affordable unsecured loans with strict
affordability criteria to prevent unmanageable debt.
Our
customers are our partners. We operate in their markets through 6-man
micro branches to provide tailored relationship-based
services.
Our
vision is to become the number one retail finance firm in Africa by offering
the best services in terms of accessibility, affordability, value and customer
experience.
We seek to recruit a Field Collections Agent
Responsibilities
We seek to recruit a Field Collections Agent
Responsibilities
- Ensure
all work queues are acted upon.
- Ensure
all PTP information to be captured accurately
- Contact
defaulting customers either by calling or visiting them with an aim of
negotiating a settlement of the arrears
- Ensure
allocated accounts are monitored on a daily basis and appropriate actions
taken to ensure that the collection portfolio remains within accepted
limits through the application of sound credit judgment within policy
guidelines.
- Investigate
and resolve any customer queries and complaints through verbal or written
correspondence in line with 4G policies.
- Achieve
the monthly collection targets.
- Identify
and escalate deceased or disabled customers to collections management for
review or collection termination.
- Perform
field visits and submit reports/action plans to recover debt.
- Work
closely with the branches on their bad debt portfolio
- Other
duties include:
- Conduct
field visit assessment before visiting the market areas.
- Manage
relationships with local authorities and Security Officers
- Plan
and organize field collection drives across all branches.
- Flag
BFCs to be forwarded to the EDC for action
Requirements
- 2
years’ work experience in debt collection
- Experience
in a microfinance, bank or any financial institution
- A
good level of general education- Diploma or degree
- Computer
literacy
- Education
background in sales/Marketing
Key
Competencies
Customer
Handling
- Sales
and Business Development
- Enforcement
of contract and repayment obligations
Administrative
Support
- General
support to all tasks
- Communications
- Small
Branch Operations
- Information
Collection
Personal
Attributes
- Integrity
and ability to work in consumer finance
- High
Motivation
- Self
starter-functional problem solver
- Process
discipline- Ability to follow SOPs
We
seek to recruit Branch
Interns to
serve in our branches.
Responsibilities
Responsibilities
- Work
in pairs with Loans Officers and Collections Officers
- Support
and maintain an excellent work environment to achieve demanding targets
- Deliver
first rate customer service
- Build
excellent relationships with customer-partners and opinion leaders in
catchment area
- .Assist
in accurate and timely reporting of Management Information and market
feedback to report on customer preferences, trends and market
opportunities
- Assist
in contacting debtors to receive payment
- Assist
in following up on defaulters to recover payments
- Carry
out customer education and maintain relationships
- Assist
in maintaining exhaustive and accurate Debt Management Forms
- Assist
in renegotiating payment schedules or obtaining funds from relatives via
responsible relative or other means
- Assist
in spoof calling
- Forward
defaulter files to HQ collectors on appropriate date
- Assist
in Issuing demand letters to defaulting customers
Requirements
- A
good level of general education- Diploma or degree
- Computer
literacy
- Education
background in sales/Marketing
- Experience
in a related field will be an added advantage
- Experience
in a financial institution and dealing with customers at the bottom of the
pyramid will also be an added advantage
Key
Competencies
Customer
Handling
- Sales
and Business Development
- Enforcement
of contract and repayment obligations
Administrative
Support
- General
support to all tasks
- Communications
- Small
Branch Operations
- Information
Collection
Personal
Attributes
- Integrity
and ability to work in consumer finance
- High
Motivation
- Self
starter-functional problem solver
- Process discipline- Ability to follow SOPs
If you
are interested and meet the above requirements and competencies, kindly send
your cv and cover letter detailing your suitability for the position applied
for to careers@4g-capital.com