Finance & Operations Officer at HCS Affiliates Group

Key Duties & Responsibilities

Operations & Credit

• Establish credit limits against all loan applications considering such factors as applicant’s salary/wages, assets, credit track record, personal references and based on approved company policies and procedures predetermined industry best practices
• Process all loan applications received within the prescribed turnaround times ensuring that all requisite application forms and supporting documentation are in order and authentic
• Present loans processed to approvers for approval and disbursement
• Engage clients to respond to queries on their loan applications with respect to missing documentation and other credit requirements
• Prepare requisite loan disbursement schedules and load disbursements onto payment platforms for transmission by approvers
• Communicate with all clients regarding the status of their applications as and when necessary
• Ensure all large borrowers are contacted and thanks for their business while all the others receive an SMS from the company’s SMS model
• Develop detailed invoices for extraction of check off and/or instalments of our clients and present them for review and approval by approvers 
• Follow up collection of loans and ensure that all loans are being serviced in full and on time and prompt immediate recovery action is being taken as per procedure
• Update the loan management system with all instalments and keep track of missed or short instalments to commence query and recovery action
• Keep track of all NPLs and ensure that we are engaging the clients aggressively either in house through our responsible sales teams or with our external debt collectors
• Follow up court cases and other collection processes to ensure we have a high success rate with respect to recoveries
• Ensure smooth office administration from repairs, bill payment, availability of office supplies both for consumption and stationary
• Ensure there is always access to internet, airtime and other office applications while also ensuring that all our hardware are in good working condition such as internet, ensure computers are fully functional.
• Keep track of the leave register and all office attendance
• Keep track of all office security and keys of all lockable doors and lockers 
• Manage all subordinate staff and ensure they have clear roles and responsibilities and that they are tracked on daily basis
• Manage all documentation and ensure the company has a document storage and retrieval process and procedure
• Manage all procurement both operational and capital

Qualifications & Experience Requirements

• Degree in Finance, CPA-K, ACCA) or related field
• Some formal credit training and experience is also highly desirable
• Payments/Fintech experience highly desirable
• Some practical accounting experience will be an added advantage
• Advanced excel skills (advance formulas, large data sets, pivot tables, vlooku0070` etc.)
• Desire to work in a very high growth business
• Ability to work collaboratively and across functions
• Drive, motivation, and excellent attention to detail
• Strong analytical and problem-solving skills.