Sales Officers at Urwego Finance CBC: (Deadline 3 February 2025)

Sales Officers at Urwego Finance CBC: (Deadline 3 February 2025)

Mission

To provide a ladder of opportunity to underserved communities in Rwanda, as we proclaim and live the Gospel of Jesus Christ.

Method

We share the hope of Christ as we provide financial services and biblically based training that restore dignity and break the cycle of poverty.

Motivation

The love of Jesus Christ motivates us to identify with those living in poverty and be His hands and feet as we strive to glorify God.

Sales Officers

Urwego Finance provides financial services to Rwandans.

Motivated by the love of Jesus Christ and the calling to serve those in need, Urwego’s Mission is to provide a ladder of opportunity to underserved communities in Rwanda as we proclaim and live the gospel of Jesus Christ.

In this quest, Urwego Finance wishes to recruit qualified, and competent, committed, and initiative-taking, Sales Officers (GSOs, ISOs, Agric Officers) to support the business in different Branches of Urwego Finance as indicated below.

Branches Recruitment Plan

SERVICE: Business

DEPARTMENT: Business Department

REPORTING TO: Sales Manager

SPIRITUAL INTEGRATION AND CHRISTIAN WITNESS

Promote and fulfill Urwego Finance’s Mission, Method and Motivation (3Ms) while working within a Christ-centered environment that is mission-driven, community-oriented, and purposeful. Make decisions in a way that witnesses the presence, power, and love of Jesus Christ and the reality of his Kingdom on earth through Urwego Finance work.

Ensure a personal healthy spiritual balance within family, work, and church life through the adoption of biblical, personal, and spiritual discipline and conducting daily work.

JOB RESPONSIBILITIES (Agric/Sales staff)

Job Summary.

Provide dependable and quality customer service in Urwego Finance’s entire business and enhance transformation in the clients’ lives.

Support the portfolio growth of micro borrowing clients with proper supervision, working to targets as well as maintaining excellent portfolio quality.

Major Areas of focus:

• Marketing and growing the number of active clients.
• Growing the Outstanding loan Portfolio of the branch
• Managing the Portfolio at Risk of the loan book under your control
• Client Retention
• Attend and enhance your skills in Holistic life improvement (HLI) training
• Strive to promote Quality Customer Service
• Driving MHose and other electronic financial usage among Urwego clients

Essential Duties/ activities for the Agric/Sales staff:

Both the Agric and Sales staff will work and report to the Sales Manager striving to achieve the following objectives:

• Marketing the micro-lending products to achieve growth targets.
• Process and Administer loans/ loan origination
• Managing the clients’ community
• Monitor loans to ensure portfolio at risk (PAR) stays within target.
• Maintain the supervisory level of customer satisfaction.
• Function as Marketing Agent for other Urwego Finance products and services

QUALIFICATIONS (GSO/ISO)

Minimum Education and Experience

• Personal confession of faith in Jesus Christ and commitment to the mission and vision of Urwego Finance
• Degree or Advanced diploma in a business-related subject or field from a reputable College/ University
• Experience in collaborating with grassroots communities, cooperatives, savings, and lending groups will be an added advantage.

Skills expected.

• Personal acknowledgement of and commitment to Urwego’s mission and values.
• Good mathematical skills, ability to calculate interest, commissions, and percentages.
• Strong ability to motivate, engage and train adults and communities.
• Community based conflict resolution
• Good skills in organization and time management
• Excellent negotiation, presentation, communication, and people skills.
• Knowledge of the economy/markets where Urwego Finance is operating.
• Basic skills in personal computer operation, word processing and spreadsheet software.
• Knowledge of MS Word, PowerPoint, and Excel is a plus.

Major Areas of focus:

• Market and Business Development of Individual Loan Products to achieve growth targets
• Proactively identify potential loan clients, as well as potential depositors and follow them through until a deal is closed with Urwego.
• Educate Individual business owners in the area of Urwego’s products and services and ensure all potential clients understand the responsibilities attached to a loan.
• Collect, verify and update all client information and perform a comprehensive assessment of a potential client.
• Make objective recommendations on a potential client’s character, credit worthiness and paying capacity to the credit committee.
• Ensure loans are processed on time according to the agreement, customer needs and Finance lending policies.
• Monitoring and recovery of delinquent loans from the Portfolio at Risk from one day to 90 days, but focusing on early-stage delinquency management (1-30 days)
• Maintain comprehensive records on all clients and submit timely reports (e.g., client exits, warning letters, visit reports, rescheduling requests etc.)
• Monitor usage of loans by clients to ensure regular loan payments and maintain Superior Levels of Customer Delight
• At all times, treat prospective and actual clients with respect, integrity, stewardship, and commitment to the poor in line with Urwego’s core values.
• Act as liaison between clients in the fields and the Sales Manager or Branch Manager, giving client feedback and providing recommendations on improving products to be more client focused.
• Handle any other task assigned by the Sales Manager or Branch Manager.

Competencies

• Customer Orientation– Embodies a strong customer orientation and seeks new and better ways to serve end clients.
• Good Communicator– Communicates well, both verbally and in writing. Effectively conveys and shares information with others. Presents ideas clearly and concisely.
• Attention to details– Crosscheck, verify all information and data from clients, do a background check to ensure client’s character and capacity has been assessed
• Interpersonal Skills– Maintains positive working relationships with clients, credit team, credit administration, and other support teams at all levels of the organization

Compliance with Policy and Procedure

Maintain a copy of valid policy and procedure manuals for the critical processes associated with your work such as credit policy, HR Manual, and fraud detection guidelines, and ensure compliance with those policies

Knowledge and Skills

• Basic experience and/or training in accounting, financial and/or credit analysis or related areas.
• Good mathematical skills, ability to calculate interest, commissions, percentages, etc.
• Knowledge of the microfinance industry and community development.
• Excellent negotiation, presentation, communication, and interpersonal skills.
• Knowledge of the economy/markets where Urwego is operating
• Intermediate skills in personal computer operation, word processing, and spreadsheet software.

QUALIFICATIONS (Senior ISO)

Education and Experience

• Poses a Degree in Management, business administration, accounting, Finance, or another similar field
• At least 3 years’ experience in a Finance or an MFI institution as An Individual loan officer and possess a loan portfolio.
• High-quality selling skills are a requirement
• Excellent written and verbal communication skills in English including report writing.
• Excellent interpersonal, time management, and organizational skills
• Highly independent and driven by sales targets.

QUALIFICATIONS (Junior ISO)

Education and Experience

1. Poses a Degree in Management, business administration, accounting, Finance, or another similar field
2. At least 1-year experience in a Finance or an MFI institution as An Individual loan officer or Marketing officer
3. High-quality selling skills are a requirement
4. Excellent written and verbal communication skills in English including report writing.
5. Excellent interpersonal, time management, and organizational skills
6. Highly independent and driven by sales targets.
7. Knowledge of MS Word, PowerPoint, and Excel is a plus

JOB SUMMARY (ASOs)

The Agriculture Sales Officers (ASOs) will market agricultural products to cooperatives and individual customers, ensuring alignment with market needs, Urwego’s mission, and financial sustainability. They will collaborate with branch leadership to grow the portfolio, strengthen partnerships, and recruit new clients while maintaining relationships with existing ones.

QUALIFICATIONS(ASO)

• Personal confession of faith in Jesus Christ and commitment to the mission and vision of Urwego Finance.
• Bachelor’s degree in agronomy, agri-business, Animal production or related field
• 1 or more years of experience in agricultural lending, preferably in the following value chains Coffee, Irish Potato, Rice, Maize, chili, French beans, tomatoes, piggery, poultry & dairy
• Experience in agricultural credit risk assessment and management
• Experience in field mobilization and cooperative relationships.
• Ability to source, negotiate, and manage partnership agreements.
• Proven training skills
• Having category, A driving licence is an added value

Agriculture Product selling and marketing.

1. Work with Branch leadership in close collaboration with the agriculture sales manager to grow the portfolio in the assigned working area.
2. Work closely and build relationships with off-takers and district cooperative officers to manage and reduce the risks that may be associated with poor cooperative leadership.
3. Strongly understand good agriculture practices and agriculture seasons
4. Ensure agriculture products are financially sustainable.
5. Originate agriculture loans, prepare agriculture loan files, and analyze the risks that may cause the loan to underperform and reduce those risks.
6. Identify key agriculture product risks and communicate mitigants to the supervisor.
7. Regularly update the agriculture loan monitoring tool to minimize the risks in the value chain.
8. Understand agriculture value chain financing models to grow portfolios and reduce the risks associated with it.

Portfolio Quality

1. Regularly monitor the quality of the agriculture product portfolio, utilizing PAR as the primary measure of portfolio quality and keeping PAR 30 below 5% on average.
2. Work with Branch leadership and agriculture sales Manager to address portfolio quality shortcomings, including default management, through regularly reviewing, and updating the Agric Loan monitoring tool.
3. Regularly visit cooperatives to understand the field challenges find out the solution and share the field updates with the Branch manager and agriculture program manager.

Profitability and Growth

1. Collaborate with different stakeholders, cooperatives, and offtakes to understand the needs of the clients to keep Urwego at the top of the lending industry in the agriculture sector.
2. Provide all the needed agriculture practices training to ensure high yield to cooperatives and growth portfolio.
3. Strategically market Urwego agriculture products to ensure all the cooperatives in the area understand the product very well.

Stakeholder and Partner Relationships

The Agriculture Sales Officer will partner with the Service Delivery staff to grow existing and develop new agricultural business lines.

1. Serve as a key representative of the Finance to partners and non-partners in providing expertise and funding focused on agriculture products.
2. Grow relationships with strategic partners and potential partners supporting agriculture lending.

How to apply:

People in the province send your applications to the nearest branch or to UrwegoHR@urwegobank .com. Please send the documents as one folder with the position you are applying for as the subject. In your application, please indicate exactly which branch you would like to work in.

• Motivation/application letter explaining your suitability for the position.
• Curriculum vitae (CV) and a copy of academic documents.
• Two referees who are not blood relatives with their full address/contact.
• Notarized Academic Documents
• Recommendation from your church
• Copy of your National ID
• Statement of Faith.
• Criminal Record.

Deadline: 03^rd February 2025. 6 PM

Applicants should preferably be residents in the areas where the job is located. Only shortlisted Candidates will be contacted for the test and interview.

Best of Luck.

Urwego Finance Management