Jobs in Uganda Uganda Individual Lending JobsPambana Martan Financial Services Limited Jobs in Uganda Several Credit Sales Executive Jobs in Uganda at Individual Lending JobsPambana Martan Financial Services Limited Several Credit Sales Executive Employment opportunities Individual Lending JobsPambana Martan Financial Services Limited
Job Title ⇒ Credit Sales Executive - Individual lending
]https//www.theugandanjobline.com/
Organization ⇒ Pambana Martan Financial Services Limited
Duty Station Uganda
Reports to ⇒ The Credit Supervisor
Job type ⇒ Full-Time
About US ⇒
Pambana Martan Financial Services Ltd is a credit only microfinance
Institution in Uganda with the head office on 5th Floor General Post Office
Building regulated by Uganda Microfinance Regulatory Authority under the UMRA
Act, 2016.
Job Summary ⇒ The Credit Sales Executive-Individual lending reports to the
Credit Supervisor and is responsible for recruiting of clients, verifying
sources of income and visiting prospective clients’ homes and businesses to
assess credit worthiness.
⇗ To contribute to the profitability of the company by effectively achieving
set sales targets through actively and proactively identifying sales
opportunities;
⇗ To keep the portfolio at risk at the acceptable minimum through actively
following up on all clients for timely repayments;
⇗ To proactively and continuously deliver service excellence
Key Duties and Responsibilities
Sales
⇗ To manage own sales production performance and implementing corrective
actions to achieve target objectives;
⇗ Proactively driving sales through a combination of advertising, customer
referrals and viral marketing word of mouth.
⇗ Ensure that you contribute to the profitability of the company by meeting
individual sales targets set by management;
⇗ Effectively achieving set sales targets by actively and proactively
identifying of opportunities;
Marketing
⇗ Leads prospecting through
⇗ Approaching potential new customers;
⇗ Gaining an understanding of their business;
⇗ Identifying product suitability and generating customer product appetite
where appropriate.
⇗ Building a relationship with potential clients by keeping in contact with
them and making regular contacts to determine their financial needs and
provide support and advise;
Loan appraisals
⇗ Client business premises visits;
⇗ Ensure there is a good fit between the customer and the company;
⇗ Ensure the customer is able to repay the loan;
⇗ Ensure all key business risks are analysed;
⇗ Ensure all financial computations are correct and customer meets
affordability criteria;
⇗ Ensure all the information and data gathered is consistent and is verified
by mandatory physical visits to the client’s business and residence;
⇗ Ensure cash flow and repayment capacity are correct and comparable to other
similar businesses;
⇗ Ensure loan structuring fits the business, capacity and project;
⇗ Assessment of collateral by ensuring correct valuation, physical
verification of existence and ownership and ensuring it adequately covers the
loan value;
⇗ Assessment of guarantor to ensure they meet our affordability criteria
through mandatory physical visits to the guarantor’s business and residence;
Collections
⇗ Submit daily collection reports as and when required;
⇗ Review and follow-up of arrears reports for own customer base;
⇗ Arrear customer collections visits;
⇗ Collection of outstanding deposit slips from customers;
⇗ Handling of receipting related queries for customers;
⇗ Assist in handovers to enforcement where necessary;
⇗ Collections visits to guarantors;
⇗ Follow-up with customers in enforcement and attempt to get a payment
arrangement.
Portfolio management
⇗ Perform loan utilization checks within one week after disbursement;
⇗ Responsible for clients’ loan performance by educating the clients on why
they need to repay their loans in the stipulated loan terms and by monitoring
your clients loan performance for any default;
⇗ Identification of customer business viability issues and handover to
enforcement where appropriate;
⇗ Review and management of customer portfolio portfolio size, number of
customers, portfolio at risk and arrears total;
⇗ Early monitoring of the customer portfolio by making regular visits to the
customers’ business premises, especially during the first three 3 months
after disbursement.
Qualifications, Skills and Experience
⇗ The applicant should hold a Bachelor’s degree in a related field will be
preferred
⇗ Computer Literacy
⇗ Two years of sales and marketing experience
⇗ Experience in a Microcredit institution will be preferred
⇗ Integrity
⇗ Customer service oriented
⇗ Analytical / Structured thought process
⇗ Ability to work under pressure
⇗ Target driven and goal focused
⇗ Self-motivated
⇗ Great interpersonal skills
⇗ Excellent communication skills
⇗ Ability to work in a team
⇗ Planning and organization skills
⇗ Valid drivers and / or riders License
Minimum Academic Qualifications
⇗ Diploma or Bachelor’s Degree in Commerce, Microfinance, Business Studies,
Accounting and Finance, Marketing, or in any other relevant / related field.
⇗ Two Principal passes at A-Level +.
⇗ Credit and /or Pass in English and Mathematics at O- Level.
Person Specifications
⇗ Should be ready to challenge themselves to continuously deliver exceptional
performance.
⇗ Should be computer literate, highly motivated, innovative and a self-
starter.
⇗ Should have excellent presentation, interpersonal and communication skills.
⇗ Should possess leadership skills.
⇗ Should be honest, trustworthy and have a high degree of integrity.
⇗ Should be fluent in commonly used local languages in the respective
regions.
⇗ Should not be more than 35 years of age.
Desired behaviours
⇗ Confidentiality, Self-drive,
⇗ Self-confidence, Integrity, pro-activeness,
⇗ Compliance to policies, Discipline,
⇗ Diligence and Efficiency
⇗ Self Confident
How to Apply
All applications CV, academic credentials and 2 letters of recommendation
from referees to info@pambanamartan.co.ug
Deadline 22nd March 2021 at 500pm
Apply Today Through
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Email⇒info@pambanamartan.co.ug
URL⇒Link
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Jobs in Uganda Uganda Individual Lending JobsPambana Martan Financial Services Limited Jobs in Uganda Several Credit Sales Executive Jobs in Uganda at Individual Lending JobsPambana Martan Financial Services Limited Several Credit Sales Executive Employment opportunities Individual Lending JobsPambana Martan Financial Services Limited
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