Job Details

Job Description

ExpressCredit is a global consumer finance company operating in Zambia and 3 surrounding countries, including Botswana, Namibia, and Lesotho. Our company helps individuals in a need of short-term and long-term financial solutions – all of which make a meaningful and lasting impact on the local communities.

Since 2018, ExpressCredit has more than tripled its global operations and grown significantly worldwide. If you want to work for a dynamic, forward-thinking and socially responsible financial services provider we are the right match for you!

To learn more about ExpressCredit, visit: www.expresscredit.co.zm
We seek to recruit self- motivated, experienced, skilful, result and sales -oriented professionals.

Job Purpose

To take charge in selling products and services – review, screen and evaluate loan documentation and to process the loan application as per Policies and Procedures set out by the company. Ensure proper completion of all loan documents and verify correct attachments needed as per Underwriting Rules and provide general customer service.

Key Responsibilities

• Provide comprehensive information on the company’s products to clients.
• Actively sell and cross-sell the company’s products to potential clients
• Generate sales by bringing in new customers and expanding the client base.
• Evaluate and assess the credit risk of individual clients and determine their repayment capability before approving loans.
• Create customer accounts in the system and upload all required loan documentation.
• Manage customer loan files and ensure proper filing and archiving procedures are followed.
• Handle any complaints or queries escalated by clients.
• Develop and maintain good relationships with Direct Sales Agents (DSAs) who bring in new clients.
• Collaborate with the Regional Manager to meet sales targets and implement sales plans.
• Ensure compliance with company credit procedures and underwriting rules.
• Maintain a high level of data integrity in the system.
• Provide excellent customer service, addressing client needs and concerns.
• Stay updated on the latest products and services offered by the company.
• Maintain confidentiality and exercise discretion in handling client information.
• Analyze and assess loan applications and documentation for accuracy and completeness.
• Meet or exceed sales targets and contribute to the growth and quality of the loan portfolio.
• Participate in training and development activities to enhance job knowledge and skills.

Qualifications and Requirements

• Grade 12 School Certificate with 5 credits including English and Mathematics.
• Diploma or better in any business-related course.
• Basic knowledge in financial analysis.
• Previous experience in Mobile operations – Added advantage
• Selling skills.
• Valid Driver’s License.
• Ability to penetrate new markets with no Expresscredit presence
• Ability to drive long distances and working out of office for long periods
• Previous experience in the field – added advantage
• Honesty and Integrity with ability to maintain confidentiality and exercise discretion.
• Analytical with an attention to detail and accuracy.
• Good organizational and multi-tasking skills.
• Interpersonal skills with focus on excellent customer service.
• Good understanding of customer service principles.
• Excellent communication skills (oral & written).
• Excellent time management skills and organizational skills.
• Computer literate (Microsoft Word and Excel).
• Team player.
• Innovative and target/goal oriented.
• Enthusiastic and self-starter.
• Analytical, good problem solver.