Loans Payments Manager

Job Summary : Responsible for overseeing the operational processes related to Consumer & CSME loan & payment processing and administration. Work closely with the lending team, underwriters, and other stakeholders to ensure efficient and accurate loan Operations and payment processing.

Essential Duties and Responsibilities

1. Managing & coordinating loan operation activities, including loan disbursement, documentation, funding, and servicing.

2. Overseeing loan processing activities to ensure compliance with regulatory requirements and internal policies.

3. Developing and implementing efficient loan processing workflows and procedures.

4. Managing loan portfolio reporting and monitoring to ensure accuracy and completeness.

5. Collaborating with the underwriter team and credit control to streamline loan approval and funding process.

6. Manage, document, and file loan records, ensuring proper record keeping and compliance.

7. Monitor and manage loan performance, including loan repayments, collections, and servicing activities.

8. Handling customer inquiries, escalations, and complaints related to loan operations.

9. Implement and adhere to risk management practices and controls to mitigate loan-related risks.

10. Analyzing loan operations data based on the KPI to identify improvement areas to enhance efficiency and productivity.

11. Ensure regular training for the staff on processes to ensure full adoption and adherence and that all team members come up with the learning curve in terms of changes advised by businesses/functions/regulatory authorities.

12. Measure, analyze, and prepare regular reports to the Operations Head and the Management regarding the overall loan Operations performance, the actual Key Performance Indicators (KPIs) against the agreed service quality standards, internal measures, and key issues with recommendations.

13. Initiate quality control measures on overall Operations performance & processes achieved, setting proper standards based on best practices to achieve the company’s overall objectives.

14. Build rapport with internal and external stakeholders to achieve desired quality assurance goals.

15. The Employee must adhere to all the company’s ‘Employee Code of Conduct’ guidelines and regulatory requirements.

16. Plan and assess capacity requirements, then agree, and articulate a recommended capacity plan. Develop volume forecasts at the product level. Use these forecasts to deploy the resources optimally.

17. Adhere to company CBB rules and risk requirements and report any incident based on the company policy and procedure.

Qualification :

1. Instills a strong internal & external customer mindset in the team by setting service quality standards.

2. Creative and innovative thinker.

3. Knowledge of loan products, lending regulations and industry best practices.

4. Excellent analytical and problem-solving skills.

5. Strong attention to details, accuracy, and ability to manage and prioritize multiple tasks and deadlines.

6. Familiarity with loan origination systems and other relevant software.

7. Excellent communication and interpersonal skills.

8. Leadership & team management skills.

• Able to understand Financial Concepts.

Education

A minimum of BSc. Degree in finance, business administration, or related fields.

Experience:

Candidate must have at least 7 years’ experience in the same field, preferably in a managerial or supervisory role.

Certificates and Licenses:

Any advanced certificate in the field is a plus.

Competencies:

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Strong relationship development skills.

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Excellent written and verbal communication skills.

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Strong interpersonal skills.

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Strong judgment, analytical and problem-solving skills.

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Ability to interpret data and conduct proper analyses and judgements.

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Expert knowledge of MS office systems- word, excel and PowerPoint.

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High Presentation Skills.