Job Description

Credit Officer Jobs, Credit Contol Jobs 2020, MFS Jobs,

Job Title:              Credit Officer II,

Job Grade:          Grade 6,

Department:      Retail Services,

Section / Unit:   Mobiloan,

Reporting Relationships ,

Reports to:         Area Lead / Sector Manager,

Direct reports:   N/A,

Job Purpose

• Generate revenue through consistent delivery of customer, disbursement, and collection targets.


• Cross-sell MyMobi Micro Services within Mobiloan e.g. Savings, Insurance, etc.


• Deliver first rate customer service by building strong customer relationships.


• Conduct proper due diligence and KYC to ensure we have sufficient information to advise customers on suitable products and services.


• Drive repayment behaviour by lending only what the business can afford, consistent follow-up, maintaining accurate records, negotiating repayment schedules and setting discretionary limits.

Key Responsibilities

• Analyse your zone and develop referral networks in order to locate prospects for MFS products.


• Scout markets for activation within the assigned zones.


• Establish, develop, and maintain positive relationship with MFS Customers, Partners, Area Leaders and relevant local authorities.


• Present, promote and sell MFS products using solid arguments to existing and prospective customers.


• Obtain information from loan applicants and answer questions about loan process.


• Analyse and verify applicant’s financial status, personal and business information to determine feasibility of granting loans.


• Ensure efficient and prompt recovery of loans disbursed and interest accrued.


• Negotiate payment arrangements with customers who have delinquent loans.


• Maintain clear customer records, recording times and dates that contact has been made and noting information that customers have received about MFS products.


• Supply the business with reports on customer needs, problems, interests, competitive activities, and potential for new products and services.


• Handle customer complaints and take appropriate action to resolve them.


• Any other duties that may be assigned from time to time.

Job Competencies (Knowledge, Experience and Attributes/Skills)

Academic Qualifications and Experience

• A good level of general education – Diploma or Degree


• Education background in Business Administration or Sales & Marketing


• Computer literacy


• Experience in a related field working with customers at the bottom of the pyramid will be an added advantage


• Tangible experience in Microfinance

Competencies and Attributes/Skills

• Self-starter with a bias for action and achieving results


• Passionate about closing sales in the Financial Services Sector


• Effective listening, verbal, and written communication skills.


• Excellent relationship management skills


• Excellent analytical, communication, negotiation, and presentation skills


• Able to analyse customer financial status and advise on suitable products and limits.


• Detail-oriented professional who takes accurate and informative notes for customer records and follow proper company procedures.


• Team player who works productively with a wide range of people.


• Demonstrated integrity and ethical standards.

How To Apply

Send your applications to gkarimi@mfs.co.ke

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