Job Details

Job Description

About Malinzi Credit Limited

At Malinzi Credit Limited, we specialize in providing affordable loans at competitive rates to Zambian civil servants and the general public. As a growing lending company, we pride ourselves in our quick processing times, flexible repayment options, and excellent customer service.

The Role

We’re seeking a results-driven Loan Sales Consultant to join our dynamic team, with a primary focus on processing and managing our civil servant loan portfolio while also handling standard personal loans. The ideal candidate should be passionate about helping clients access the financial support they need while ensuring the company’s loan book is consitently well performing.

Key Responsibilities

• Process loan applications for civil servants through the government payroll deduction system
• Evaluate standard loan applications for non-government employed clients
• Conduct thorough credit assessments and verify applicant documentation
• Liaise with government departments to verify employment status and salary detail
• Maintain excellent relationships with HR representatives across civil service departments
• Achieve monthly sales targets while minimizing default rates
• Educate clients about our loan products, terms, and conditions
• Follow up on loan repayments and manage early-stage collections when necessary
• Ensure strict compliance with lending regulations and company policies

Requirements

• Diploma or degree in Banking, Finance, Business, or related field
  1-2 years’ experience in money-lending, microfinance, or banking is required (experience with civil service loans is a plus)
• Solid understanding of Zambian civil service structures and payroll systems
• Strong knowledge of credit risk assessment techniques
• Excellent sales and negotiation skills
• Proficiency with loan management software and MS Office applications
• Target-oriented mindset with ability to work under pressure
• Outstanding communication and customer service skills
• Honest and professional

We Offer

• A basic salary plus attractive commission incentives
• Performance bonuses for meeting and exceeding targets
• Comprehensive training on civil service loan procedures
• Career advancement opportunities within a growing company
• Collaborative and energetic work environment

Email your CV and Cover letter to [email protected]

Please note that this is not an advert for a “general worker” and applications without the required experience will not be considered.