Portfolio Analyst @Creditdirect

Job Description

Job Summary

The primary responsibility of this role is to oversee and ensure effective loan repayment management, including reconciliation, analysis, and reporting on loan portfolio performance. The role involves proactive engagement with customers, employers, and other key stakeholders to support prompt repayments and loan recovery. This position is critical in identifying portfolio trends, providing insights, and ensuring the integrity and performance of the loan portfolio.

Job Details

Key Responsibilities:

Loan Repayment Management:

• Ensure that all loan repayments are received promptly, accurately, and in line with repayment schedules.
• Regularly reconcile repayments to identify and address discrepancies.

Portfolio Reconciliation and Analysis:

• Conduct in-depth reconciliation and analysis of the loan portfolio, including performance metrics for all active loans.
• Prepare and present detailed reports on portfolio performance to provide a clear view of repayment trends and issues.

Stakeholder Engagement and Follow-Up:

• Actively monitor and follow up with employers, customers, and other stakeholders to secure timely repayments.
• Maintain open communication channels to address and resolve repayment issues quickly.

Loan Recovery and Write-Off Management:

• Monitor and ensure recovery efforts on written-off loans, collaborating with the collections team to achieve recovery targets.
• Develop and implement strategies to minimize loan loss and maximize recovery on delinquent accounts.

Feedback and Reporting on Portfolio Health:

• Provide regular feedback to relevant teams on portfolio-related issues and emerging trends.
• Generate insights and recommendations to improve repayment performance and support informed decision-making.

Requirements

Qualifications and Skills:

• Bachelor’s degree in Finance, Accounting, Business Administration, or a related field.
• At least 3 years of experience in loan management, finance, or a similar role.
• Strong analytical and reconciliation skills with a keen eye for detail.
• Excellent communication and stakeholder management abilities.
• Proficiency in financial software and Microsoft Excel.
• Experience with loan recovery and collections is an advantage.

What to Expect in the Hiring Process:

• A preliminary phone call with the recruiter
• Technical interview 
• Assessment
• Interview with Senior members of the team
• Cultural and Behavioral Fit Interview with a member of the Executive team.

Benefits

At Credit Direct Finance Company Limited, we value our employees and strive to provide a comprehensive benefits package that recognizes their contributions and supports their well-being. As part of our commitment to a positive work environment, we offer the following benefits:

Competitive Salary: We offer a competitive salary structure that is commensurate with industry standards and recognizes the skills and experience of our employees.

Quarterly Performance Pay: We recognize and reward exceptional performance. Our quarterly performance pay program allows employees to earn additional compensation based on their individual and team achievements.

Transport Subsidy: We understand the importance of accessible transportation for our employees. To assist with commuting expenses, we provide a transport subsidy to help alleviate the financial burden associated with travel to and from work.

Staff Bus: We offer a convenient and reliable staff bus service for eligible employees, ensuring a comfortable and stress-free commute to the workplace.

Hybrid Work: We believe in providing flexibility and work-life balance. Our hybrid work policy allows eligible employees to work remotely for a certain number of days per week, promoting a healthy work-life integration.

13th Month Salary: As an additional financial benefit, we provide a 13th-month salary to our employees. This extra payment, usually received at the end of the year, serves as a bonus and acknowledges their dedication and commitment throughout the year.

Leave Allowance: We recognize the importance of taking time off for rest and relaxation. In addition to annual leave entitlement, we provide a leave allowance to eligible employees, offering financial support during their vacation time.

Profit Sharing: We believe in sharing our success with our employees. Through our profit-sharing program, eligible employees have the opportunity to receive a share of the company’s profits, providing an additional incentive for their dedication and hard work.

These benefits are designed to support our employees’ financial well-being, work-life balance, and professional growth. We continuously review and enhance our benefits package to ensure that it remains competitive and aligned with the needs and preferences of our valued employees.