Job Description
iDE Ghana, an international Non-Governmental Organization (NGO) in the Agriculture, Water Sanitation and Hygiene (WASH) sectors is recruiting a Credit Officer
- Reports to: Regional Credit Manager
- Job Location: Tamale/Wa/Yendi with frequent day and overnight travel to other districts and rural areas
- Start Date: April 2023
- Contract End Date: December 2023
- Area(s) of operations: Northen Region
Reporting line relationships
- Reports directly to Regional Credit Manager.
- Work closely with Sama Sama Accounts Team, iDE Ghana Finance Team, Regional Credit Managers and Customers.
General Job Description
Under the direction of the Credit & Finance Manager and direct supervision of the Regional Credit Manager, the Credit Officer plays a key role in supporting the Regional Credit Manager in credit delivery and management of the finance portfolio of Sama Sama.
The title holder is responsible for ensuring due diligence in evaluating instalment applications completed at sales pitches, ensuring all guidelines are met, and recommending approval or disapproval of such credit applications. Also, the Credit Officer is responsible for ensuring timely payments by clients in their portfolio and following up on delinquent clients.
Specific Duties and Responsibilities (modifications may be made at any time)
- Travel to customers’ homes or workplaces to assess and complete the credit requests and all associated requirements from prospective customers.
- Ensure customers understand the repayment schedule and follow-up on delinquent payments.
- Ensure customers understand payment terms and ways of making payments.
- Mitigate and manage customers’ attempt to cancel orders.
- Manage assigned customer accounts and report complaints.
- Manage client files, relationships, and lead in client acquisition.
- Suggest effective credit payment scheme for customers.
- Administer credit collections from customers.
- Maintain the corporate credit policy.
- Daily reconciliation of Mobile Money anomalies.
- Recommend changes in the credit policy to senior management via direct supervisor.
- Monitor the credit granting and updating process.
- Conduct periodic circularization of customers to confirm their balances due.
- Manage the application of late payments.
- Collect, analyze and compile data and prepare reports.
- Ensure timely collection of monies due to the business.
- Weekly reporting of cash receipts/invoice adjustments.
- Proper recording and application of cash, management of outstanding invoices, and direct interfacing with customers on collection matters and dispute resolution.
- Support management by providing timely and accurate payment and account standing information.
- Any other tasks as may be assigned within your scope of work.
Required Skills or Experience
- Degree in Business Administration, Accounting Economics, Sales, Mathematics, or other relevant areas from a recognized University.
- Three (3) years’ work experience in a similar role. Previous credit administration and/or microfinance role is a plus.
- Understanding of basic credit principles and practices.
- Ability to collect data, analyze, compile, and prepare reports.
- Ability to work under pressure while maintaining required performance standards.
- Ability to maintain accurate and up to date records of clients.
- Customer service experience.
- Must possess a high level of integrity.
- Experience in work planning, report writing and record keeping.
- Excellent spoken and written communication.
- Positive attitude with good interpersonal skills.
- Ability to Speak; Gonja, Dagbani, Hausa, Twi, Gruni, or any other languages from the five regions in the Northern part of Ghana.
- Knowledge of Microsoft Word, and Excel are required; Experience with Salesforce is a plus.
- Holds a valid driving license and capability to ride a motorbike.
How To Apply
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