Position Title:Account Relationship Officer-Tanzania
Organization:FINCA International Inc
Primary Location:Tanzania.
Job Type : Full-time Employment
Category: Operations
Job Description
Focuses on the growth of Savings and credit clients by mobilizing savings
accounts, developing, managing and maintaining a high-quality loan portfolio
and on reaching the maximum portfolio caseload for his/her
credit and savings
product. The ARO participates actively in credit committees and has a credit
committee voting right. The ARO participates actively on arrears committees.
The ARO provides, according to FINCA’s mission, financial services to
lowest-income entrepreneurs, reaches out to potential clients, to mobilize
savings in terms of numbers and volume from the field and provides loans to
qualifying prospects. The ARO manages the loan accounts by closely monitoring
repayment behaviors and client’s socio-economic situation. The ARO maintains a
high-quality portfolio and manages its sound growth based on performance
targets and detailed working plans. The ARO is responsible for overall
management of his/her savings and credit portfolios.
ESSENTIAL DUTIES AND RESPONSIBILITIES
include the following. Other duties may be assigned.
Products/Services: Market
all FINCA products and services to potential clients by using promotional tools
and mechanisms approved by FINCA’s management. This includes responsibility for
generating savings clients for subsidiaries that are regulated.
Savings: Responsible to achieve
the personal savings monthly targets both, in numbers and volumes. Follows up
and make sure that the accounts activated under own portfolio are actively used
by the customers; Responsible for acquiring savings potential customers and
guaranties the follow up process for opening accounts. Responsible for planning
activities and events to the purpose of maintaining relationship with Top
Savers Customers and maintain customer’s relationship at all the time; ARO must
have excellent savings product knowledge and other competitors in the market,
as well as its his/her responsibility to stay updated with the changes related
the products’ features that might occur and provide a transparent information
to the potential customer.
Loans operations/portfolio
management: Responsible for full lending cycle of loan initiation, processing,
monitoring, repayments and recovery. Select clients, provide detailed products
and services information, conduct client evaluation, collect all the necessary
documents and check their accuracy, present credit proposals at credit
committees based on the client risk assessment, and process loans
documentation. Explain to clients all the details of the disbursement and
repayment process.
Record keeping: Compile credit files and
all necessary documents, hand over to back office staff for processing.
Reporting: Prepare and present reports
as required by the ARS
Compliance: Ensure that
each loan is disbursed in compliance with FINCA lending procedures, policies
and methodology at all stages of loan processing.
Job Requirements
COMPETENCIES
Customer Service: Ensure
clients receive the best service; maintain good relations with clients, and
timely respond to the needs of existing clients.
Business Acumen -
Understands business implications of decisions; Displays orientation to
profitability; Demons Research and develop new business opportunities within
assigned geographical zone. Assist the marketing department in market research
and impact studies upon request.
Problem Solving -
Identifies and resolves problems in a timely manner; Gathers and analyses
information skilfully; Develops alternative solutions; Works well in group
problem solving situations; Uses reason even when dealing with emotional
topics.
Interpersonal Skills -
Focuses on solving conflict, not blaming Maintains confidentiality; Remains
open to others' ideas and tries new things. Manages difficult or emotional
customer situations; Responds promptly to customer needs as per guidelines in
the Customer Service Manual. Meets commitments.
Teamwork - Balances team
and individual responsibilities; Contributes to building a positive team
spirit; Puts success of team above own interests; Able to build morale and
group commitments to goals and objectives; Supports everyone's efforts to
succeed.Maintain a good relationship with the staff, and pursue additional
training as warranted.
Motivation - Sets and
achieves challenging goals; Demonstrates persistence and overcomes obstacles;
Measures self against standard of excellence; Takes calculated risks to
accomplish goals.
Planning/Organizing -
Prioritizes and plans work activities; Uses time efficiently; Plans for
additional resources; Sets goals and objectives; Organizes or schedules other
people and their tasks; Develops realistic action plans. Partner with ARS to
develop weekly and monthly action plans with regard to savings and credit
clients, deposits mobilization and loan disbursements and other individual
performance goals.
Quality - Demonstrates
accuracy and thoroughness; Looks for ways to improve and promote quality;
Applies feedback to improve performance; Monitors own work to ensure quality.
EDUCATION AND EXPERIENCE
·
2 years of experience working in
a client-facing sales role, in educational profession or in agricultural field
is highly desired.
·
Basic mathematics and analytical
skills required, writing, reading and comprehension skills, attention to
details.
·
Strong customer orientation.
·
Diploma or Bachelor Degree
preferred.
LANGUAGE SKILLS
Proficiency in both English and
Swahili language
KEY PERFORMANCE INDICATORS
·
Meet a minimum number of savings clients and portfolio as defined by
the Supervisor
·
Maintain the savings portfolio
Average Savings Balance as defined by the Supervisor
·
Reduce the number of Dormant
Accounts to meet minimum standard
·
Execution of Personal Sales Plan
and savings targets
·
Meet the number of borrowing
client, PAR and loan portfolio as defined by the supervisor
TRAVEL REQUIREMENTS
Availability to travel 70 % of
the available time
PHYSICAL DEMANDS
Ability to travel in economy
class when traveling by air or rail
FINCA International Inc. is an Equal Opportunity Employer.
- Contribute to the development of the FINCA network.
Mode of Application:
If you are qualified and interested in
please submit your resume online by visiting the e-recruitment website HERE.
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