Umba is currently in search of a Credit Sales Officer to join our team based in our Timshack Office. In this role, the Credit Sales Officer will be responsible for sourcing, managing and accessing credit applications especially logbook loans from individuals and businesses. Your primary responsibility will be to plan for and drive business growth in terms of clientele, loan portfolio and quality.
We invite you to join our dynamic team and contribute to the growth and success of our digital bank by playing a key role in ensuring responsible and efficient credit operations.
Responsibilities
Sales & Business Development:
- Identify and acquire new clients through direct sales, referrals, and field visits.
- Relationship Management for Proper KYC and KYB
- Promote the company’s logbook and Asset finance credit products, explaining features and benefits to potential customers.
- Build and maintain strong relationships with existing clients to encourage repeat business and referrals.
Credit Assessment & Loan Processing:
- Assist clients in completing loan applications and gather necessary documentation.
- Conduct preliminary credit assessments to evaluate a client’s ability to repay the loan.
- Submit loan applications for approval and follow up on the disbursement process.
Client Management & Collections:
- Monitor clients’ repayment behavior and ensure timely loan repayments.
- Proactively engage customers who may face repayment challenges and provide solutions.
- Work with the collections team to manage delinquent accounts and recover outstanding loans.
Compliance & Reporting:
- Ensure all transactions adhere to company policies, procedures, and regulatory guidelines.
- Maintain accurate records of client interactions, loan applications, and sales performance.
- Provide daily, weekly, and monthly reports on sales performance, client portfolio, and collections.
Key Qualifications & Skills:
- Education: Diploma or Bachelor’s degree in Finance, Business, Marketing, or a related field.
- Experience: At least 1–3 years of experience in Logbook and Asset financing, banking, microfinance, or a related industry.
- Strong sales and negotiation skills, with a proven ability to meet targets.
- Knowledge of credit risk assessment and loan processing.
- Excellent customer service and relationship management skills.
- Ability to work independently and as part of a team.
- Proficiency in MS Office (Excel, Word, PowerPoint) and CRM systems.