Field Credit Officer (North Central)

Moniepoint Inc.; United States; On-site; USD 2,600 - 3,400; Full time

Job summary

Moniepoint is seeking a Field Credit Officer to onboard and manage businesses accessing our credit products across multiple Nigerian states. This onsite role demands strong field presence, rigorous assessment, and proactive engagement with clients to grow the loan book while ensuring profitability.

You will evaluate applications using the 5 Cs, monitor performance, and present recommendations to management before and after disbursement, with a focus on timely repayments and risk control.

Qualifications

• Onboarding and evaluating potential borrowers for credit products.
• Strong knowledge of credit risk concepts and financial analysis is a plus.
• Excellent communication and relationship-building with clients across regions.

Responsibilities

• Identify and onboard viable businesses within assigned geographic area.
• Engage customers to maximize account usage and credit access.
• Review and approve or decline loan requests based on data analysis.
• Conduct on-site visits to assess business records and inventory.
• Meet loan portfolio and profitability targets while maintaining quality.
• Monitor active loans to ensure repayment performance.
• Perform other credit-related duties as assigned by supervisor.

Skills

Attention to detail

Analytical skills

Communication skills

Interpersonal skills

Agility

Education

OND in business-related discipline

Job description

About Us:

Ranked in 2024 by the Financial Times, Moniepoint is Africa’s fastest-growing fintech, trusted by over 10 million business and individual accounts, processing billions of Naira in transactions monthly. Our mission is to enable financial happiness for every African, everywhere.

Job Title: Field Credit Officer

Reports to: Regional Credit Manager

Employment Type: Outsourced

Work Mode: Onsite

Location: Benue, FCT Abuja, Kogi, Kwara, Nasarawa, Niger and Plateau

About this role:

As a Field Credit Officer, you would be saddled with the duty of onboarding and managing businesses that would access our credit products. You would be tasked with growing your loan portfolio while maintaining profitability by ensuring that all loans are repaid as and when due. As a result, you would play a vital role in the assessment of these businesses during their credit application and leverage innovative tools we have developed to help you monitor their performance during the course of the loan.

You would also be responsible for making deductions from several information sources about the 5Cs of credit, with capacity, character, and capital as major priorities. Make recommendations to management before, during, and after the disbursement of a loan facility as to the best actions to be taken, considering several economic factors.

Responsibilities:

• Identify and onboard viable businesses within your assigned geographical area to open business accounts with Moniepoint
• Engage customers to ensure optimal usage of accounts to allow them to qualify for access to credit
• Review and approve (or decline) loan requests by thoroughly analyzing all the data available
• Embark on physical visitation to potential borrowers’ business places for evaluation of business books, taking inventory and turnover into consideration
• Meet gross loan portfolio targets and portfolio profit targets by maintaining a healthy number of loan customers while ensuring that all loans in portfolio are performing
• Monitor active loan portfolio to ensure continued use of business account and loan repayment performance
• Perform all other credit-related functions as may be assigned by a supervisor

Experience & Background:

• Minimum of an OND in any business-related discipline
• Minimum of 2 years’ experience in a sales role for credit products in a financial institution
• Demonstrable knowledge of credit risk analysis
• Good knowledge of financial analysis is an added advantage
• Must be resident in any of these locations: Please indicate your preferred location on your CV.
  • Benue: Benue North West, Benue Central, Benue North East and Benue South
  • FCT Abuja: Abuja Municipal, and Bwari
  • Kogi: Kogi East, Kogi Central and Kogi West
  • Kwara: Illorin, Kwara South, Kwara North East and Kwara North West
  • Nasarawa: Karu, Nasarawa South and Nasarawa Central
  • Niger: Niger North, Niger South, Niger East and Suleja
  • Plateau: Plateau South, Plateau North, Plateau Central

Skills & Competencies:

• Apt attention to details
• Proven simple/complex analytical skills
• Excellent communication, presentation and interpersonal skills
• Agility and perseverance

What success looks like in this role:

• Consistent achievement of gross loan portfolio targets and portfolio profit targets.
• Maintaining a healthy, performing loan portfolio with minimized default rates through rigorous physical visitations and monitoring.
• Successful onboarding and engagement of viable businesses that actively utilize Moniepoint business accounts.
• Accurate credit risk assessments based on key factors like capacity, character, and capital.

Why join us:

• Competitive compensation, benefits, and career growth opportunities.
• Opportunity to work with Africa’s fastest-growing fintech and make a direct impact on business growth across the region.