Job Title:    Digital Financial Services Sales Executive (40 Fresher Job Opportunities)

Organisation: Opportunity Bank (OBUL)

Duty Station: Kampala, Uganda

About US:

Opportunity Bank Uganda Ltd (OBUL) is a member of Opportunity International, a global microfinance institution that provides access to financial services in 27 Countries globally serving over 2 Million customers with Savings, Credit and other transformational services aimed at transforming the lives of low income earners.

Job Summary:  The Digital Financial Services Sales Executive will oversee the credit administration processes & adherence to procedures in the bank, including documentation, credit control, credit administration, Staff training, next day reviews and loan disbursement whilst monitoring the repayment progress and recovery initiatives for delinquent accounts in the bank.

Key Duties and Responsibilities:

• Ensure the bank achieves a strong credit control environment through implementation of control strategies, support and coordination of control implementation in the bank.
• Oversee the credit facility monitoring process by guiding all branches on monitoring procedures and provide evidence of monitoring on a required period.
• Responsible for coordination of fixing of internal and external audit issues by keeping a tracker and giving progress reports on the closure process as well as working very closely with control units to update on closure rate.
• Oversee delinquency management process of the entire bank by guiding the delinquency management process and ensure recovery process is followed to pave way for sale.
• Ensure proper keeping of records including but not limited to client’s files, loan documents and any documents provided related to activity being done.
• Actively identify training needs and support needed by branches through the reports provided and coordinate with management on implementation of identified needs.
• Play a role on monitoring and supervision of all credit related roles across all credit functions
• Maintain a tracker of all pre-disbursement and post disbursement conditions of all loans to ensure they are fulfilled and periodic reports (weekly/monthly/quarterly) are shared with management
• Ensure that next day reviews are done and identify all potential issues that need to be fixed
• In liaison with the Principal Insurance Officer and the branches, an updated consolidated insurance tracker for policies is maintained at all times and ensure policies are renewed timely.
• Ensure preparation of daily, weekly and monthly relevant credit reports.
• Monitor the Banks PAR on a daily, weekly and monthly basis, detecting early warning signs of possible default and advise the unit accordingly
• Enforce the implementation of the Bank’s credit policies and procedures
• Prepare weekly and monthly reports to the line Manager
• Identify and coordinate training of lending staff
• Support struggling branches on weak arears to improve

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Qualifications, Skills and Experience:

• The applicant must hold a Bachelor’s degree in economics, statistics and any business-related degree.
• Professional accounting or audit qualification (an added advantage)
• A minimum of two years of credit assessment and approval processes or credit administration experience.
• Good understanding of Credit and risk management.
• Good understanding of sales management and customer service
• Good knowledge of the core banking system
• Personal Competences
• Must possess strong analytical skills in order to make the most appropriate credit decisions based on the risk level.
• Must possess excellent communication skills; communicates well, both verbally and in writing. Effectively conveys and shares information with others.
• Must have critical Judgement and Decision-Making skills – Define issues and focus on achieving workable solutions to obstacles. Make sensible decisions on the basis of analysis and experience.
• Achievement Orientation – Set and meet aggressive commitments for self and others.
• Overcomes obstacles and accepts responsibility.

NB: Opportunity Bank is an equal opportunity employer. All qualified candidates are encouraged to apply, regardless of disability, gender, marital status, religion and ethnicity.

How to Apply:

All suitably qualified and interested candidates should send their signed application letters together with their resume to recruitment@opportunitybank.co.ug

Deadline: 14th July 2023.

NB: Applications submitted after the deadline shall not be accepted

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