Multiple Positions

1.LOAN ADMINISTRATOR x1

Reporting into the Regional Sales Manager – Northern Region , the job purpose includes Processing loan applications efficiently and accurately on the Loan Management System, conducting thorough verification checks to ensure data integrity and minimize risks, delivering excellent customer service by resolving queries and providing loan information, Supporting the agent network by monitoring performance and ensuring quality standards

Key Responsibilities:

• Managing agent recruitment in the respective regions in liaison with the Sales Acquisition and Distribution Manager
• Meeting daily, weekly, and monthly sales targets
• Tracking agent performance metrics
• Providing feedback to agents on application deficiencies
• Identifying training gaps for agents and liaising with Credit Operations and sales Acquisition and Distribution Manager for training
• Reporting agent performance data to the Sales Acquisition and Distribution Manager
• Receiving and logging loan applications from agents and walk in customers
• Performing verification checks on loan applications (identity, employment, credit bureau references)
• Accurately capturing complete loan details into the system with zero/minimal errors
• Ensuring all required documentation is complete and compliant before submission for approval
• Following up on incomplete applications and communicating requirements to applicants
• Responding to customer inquiries regarding loan status, balances, and terms
• Handling customer complaints and escalating complex issues appropriately
• Maintaining professional communication with customers across all channels
• Ensuring adherence to credit policies and procedures
• Identifying and flagging potential fraud or irregularities 

Technical Skills & Competence:

·      Diploma in Business Administration/Marketing/Accounting

·      Accurate Data Capturing

·      Critical Thinking

·      Effective communication

2.REGIONAL SALES MANAGER - NORTHERN REGION

The objective of this role is driving loan sales growth and expanding market reach within the Consumer Lending market through multiple distribution channels. The role bridges product development, sales execution, and distribution channel management to maximize consumer loan uptake while maintaining quality standards and risk controls.

Reporting into the Head Consumer Lending, the job purpose includes building and managing an agent network to generate consumer loan applications, Training and supporting branch loan officers to effectively sell lending products, identifying strategic locations for establishing new service centres to improve customer access, achieving loan portfolio growth and acquisitioning of targets across all channels

Key Responsibilities:

• Ensure Business Profitability through Gross Sales, Loan book Growth, Interest Income targets and Loan quality
• Manage the entire sales vertical to ensure optimum growth and profitability.
• Cost Control across the business unit on sales and acquisition
• Set overall sales acquisition strategy with Head Consumer Lending.
• Analyse data provided by analysts to take decisions to maximise long term profitability.
• Plan future growth of the business and explore opportunities for cross selling of the bank’s products.
• Provide feedback regarding the consumer lending market micro and macro developments.
• Build sales capacity across the Zambian market to provide services for all Bank Customers.
• Collaborate in setting sales targets that will contribute to achieving the country consumer lending targets and the bank’s performance targets.
• Coordinate with other company functions in achieving the Bank’s overall strategy
• Providing accurate and regular reports to Head of Consumer Lending and the Group Head of Consumer Lending regarding the sales and net growth performance of the civil service lending business
• Manage the process of recruiting and supervising DSA’s, Loan Officers and Team leaders at the country level, and strengthening the daily sales strategies for the sales team.
• Support collection strategies at the branch to minimize debts and maintain a healthy loan portfolio.
• Implement and reinforce the DSAs, Loan Officers and team leaders' daily, weekly, and monthly sales targets at country level.
• Management of average delivery time of processes to ensure compliance with disbursement objectives.
• Ensure all sales activities comply with relevant regulation (e.g., BFSA, CCPC, Cybersecurity, Data Protection).
• Conduct regular audits of processes to mitigate risks associated with fraud or operational failures.
• Stay updated on regulatory changes affecting the Consumer Lending landscape.

Technical Skills & Competence:

·      Degree in Sales/ Marketing/ Business Management/ Economics

·      Master’s degree in related field (added advantage)

·      Leadership & empathy

·      Effective communication

·      Strategic presentation

·      Financial analysis

·      Full and extensive knowledge of acquiring products and services

·      5 - 7 years minimum in a similar role – payroll lending within the banking or microfinance sector with a proven track record of achievement and high performance

·      In-depth knowledge of competitor solutions

·      Fully aware of industry trends

Qualifications and Requirements:

·      Degree in Sales/ Marketing/ Business Management/ Economics

·      Master’s degree in related field (added advantage)

·      Leadership & empathy

·      Effective communication

·      Strategic presentation

·      Financial analysis

·      Full and extensive knowledge of acquiring products and services

·      5 - 7 years minimum in a similar role – payroll lending within the banking or microfinance sector with a proven track record of achievement and high performance

·      In-depth knowledge of competitor solutions

·      Fully aware of industry trends

3.OPERATIONS OFFICER x1

The role will manage the post-disbursement operational functions on the Consumer Lending unit, ensuring accurate payment processing, submissions, employer coordination, collections support and financial reconciliations.

Reporting into the Credit Operations Manager, the job purpose includes managing monthly employer submissions and remittance to ensure timely loan repayments ,Processing and receipting customer payments accurately and timeously ,maintaining accurate financial records through daily and monthly reconciliations ,Supporting collections efforts by monitoring arrears and conducting credit analysis ,resolving operational queries, processing settlements and refunds efficiently

Key Responsibilities:

• Preparing and submitting loan deduction schedules to employers
• Following up with employers to ensure deductions are processed correctly
• Reconciling employer remittances against deduction schedules
• Resolving discrepancies in employer deductions and updating loan accounts
• Maintaining accurate employer contact databases and submission calendars
• Receipting payments from various channels (salary deductions, over the counter payments and any other source of payment)
• Allocating payments correctly to customer loan accounts
• Processing bulk payments and employer remittances
• Issuing payment confirmations to customer and employers
• Ensuring dame-day processing of payments received
• Performing daily reconciliations on payments received against allocated accounts
• Reconciling loan accounts against aggregate loan book data
• Identifying and investigating variances or unallocated payments
• Preparing reconciliation reports for Management review
• Resolving suspense account items promptly
• Generating daily/weekly arrears reports by bucket
• Monitoring clients who miss employer deductions or direct payments with a specific emphasis on First Instalment Defaults
• Conducting basic credit analysis to assess credit repayment capacity
• Making courtesy calls to customers in early arrears
• Documenting collection efforts and customer commitments
• Processing full loan settlements and issuing clearance letters
• Managing overpayment refunds and processing refund requests
• Coordinating with Finance and Operations for refund approvals and disbursements
• Maintaining settlement and refund records
• Resolving customer queries on payment allocations, loan account balances, and deductions
• Investigating and correcting posting errors or misallocations
• Liaising with loan administrators, employers, and other key stakeholders to resolve customer queries and complaints
• Escalating complex queries to supervisor and other relevant departments
• Maintaining query logs and response time tracking
• Analysing payment trends, deduction success rates and arrears patterns
• Preparing operational performance reports
• Identifying process bottlenecks and inefficiencies
• Providing insight on employer performance and customer payment behaviour
• Supporting Management with ad-hoc data requests and analysis
• Ensuring adherence to financial controls and limits

Technical Skills & Competence:

·      Diploma in Business Administration/Marketing/Accounting

·      Accurate Data Capturing

·      Reconciliation

·      Data analysis

·      Critical Thinking

·      Effective communication

·      Planning

·      Interpersonal

·      2-3 years minimum in data capturing with minimal errors

·      Expertise and previous experience in data analytics would be an added advantage

·      Previous experience with financial/banking systems and software

·      Awareness of industry trends

Qualifications and Requirements:

·      Diploma in Business Administration/Marketing/Accounting

·      Accurate Data Capturing

·      Reconciliation

·      Data analysis

·      Critical Thinking

·      Effective communication

·      Planning

·      Interpersonal

·      2-3 years minimum in data capturing with minimal errors

·      Expertise and previous experience in data analytics would be an added advantage

·      Previous experience with financial/banking systems and software

·      Awareness of industry trends

4.DIGITAL LENDING BUSINESS ANALYST x1

The Digital Lending Business Analyst is responsible for monitoring, analysing, and reporting on the performance of the Bank's Digital Lending portfolio. The role supports business decision-making through data analysis, credit risk assessment, performance monitoring, portfolio insights, and process optimization, ensuring accurate reporting, operational efficiency and compliance with the Bank's policies and regulatory requirements.

The position acts as a business partner to Consumer Lending, Risk, Finance, Operations and Technology teams by providing analytical support for the effective management of digital lending products.

Key Responsibilities:

• Monitor the performance of the Digital Lending portfolio.
• Analyse portfolio trends, customer behaviour, and product performance.
• Produce regular portfolio performance reports and management information.
• Monitor key business and operational indicators.
• Develop periodic management reports and dashboards.
• Ensure accuracy, consistency, and integrity of business data.
• Analyse operational and portfolio data to support decision-making.
• Prepare presentations and analytical reports for Management.
• Monitor portfolio quality indicators including delinquency, NPL and collection performance.
• Analyse repayment behaviour and portfolio trends.
• Support periodic portfolio reviews through analytical reporting.
• Perform data analysis to identify portfolio risks, operational issues and recommend appropriate mitigation actions
• Analyse end-to-end Digital Lending processes.
• Identify operational bottlenecks and inefficiencies.
• Recommend process improvements supported by data.
• Participate in process documentation and optimisation initiatives.
• Support testing of new system functionalities and enhancements.
• Perform data validation during system implementations.
• Assist in User Acceptance Testing (UAT).
• Liaise with Technology teams regarding data quality and reporting requirements
• Prepare reports required by internal stakeholders.
• Support regulatory and audit reporting requirements.

Technical Skills & Competence:

• Bachelor’s degree in Information Technology, Economics, Statistics, Mathematics, Business Administration, or related field.
• Advanced Microsoft Excel
• Power BI
• SQL (advantage)
• Data analysis
• Financial analysis
• Credit portfolio reporting
• SAS
• RStudio
• Python
• IFRS 9
• Minimum 3 years' experience in Banking, Consumer Lending, Credit Analytics, Business Analytics or Financial Analysis.
• Experience in analyzing lending portfolios.
• Experience in working with large datasets.
• Experience in management reporting.

Qualifications and Requirements:

• Bachelor’s degree in Information Technology, Economics, Statistics, Mathematics, Business Administration, or related field.
• Advanced Microsoft Excel
• Power BI
• SQL (advantage)
• Data analysis
• Financial analysis
• Credit portfolio reporting
• SAS
• RStudio
• Python
• IFRS 9
• Minimum 3 years' experience in Banking, Consumer Lending, Credit Analytics, Business Analytics or Financial Analysis.
• Experience in analyzing lending portfolios.
• Experience in working with large datasets.
• Experience in management reporting.

·      Planning

·      Interpersonal

·      2-3 years minimum in data capturing

·      Previous experience as a loan consultant would be an added advantage

·      Previous experience with financial/banking systems and software

Qualifications and Requirements:

·      Diploma in Business Administration/Marketing/Accounting

·      Accurate Data Capturing

·      Critical Thinking

·      Effective communication

·      Planning

·      Interpersonal

·      2-3 years minimum in data capturing

·      Previous experience as a loan consultant would be an added advantage

·      Previous experience with financial/banking systems and software