We are looking to hire a Credit & Operations Senior Analyst who will be responsible for loan analysis, background research, finance data analysis, and decisioning.

Responsibilities:

• Perform analysis to create a dynamic dataset of loan books, tracking approval and booking of loans within a positive TAT while ensuring the company’s budget and targets are met.
• Develop business requirement documents, credit policies, credit memos and other relevant risk management policies to guide the loan requirement process thereby lessening documentation without the projected risk of adverse effects on portfolio, in line with global best practices.
• Scrutinize loan requests and verify all documents for authenticity and detection of fraud, adhering to credit policy guidelines.
• Monitor loans for compliance and conduct research and evaluate how changes in macroeconomic environment (including competitor trends) impacts the performance of credit portfolios.
• Monitor, observe, and report on trends and patterns which will improve the loan process.
• Prepare periodic and annual reports concerning the status of loan collection and follow up on non-performing loans and ensure reporting and record keeping system, identifying defaulting demographics.
• Analyze and interpret financial information of potential customers,
• Complete loan application forms and submit them for approval.
• Support development of automated processes to enable efficient collections operations.  
• Collect and track various datasets and metrics across all the teams within HeliumCredit.
• Collaborate with recovery and other relevant teams to address any issues of high nonperforming loans in the company portfolio.
• Demonstrate service excellence. Any other related duties as required.

Requirement:

• A minimum of 3 - 5 years of experience in banking, loan collection, and credit risk analysis
• Bachelor’s Degree in Accounting, Business Management or any other related field is required
• Excellent organizational, analytical and time-management skills.
• Knowledge of billing procedures and collection techniques
• Familiarity with laws related to debt collection
• Strong stakeholder management and communication skills.
• Excellent negotiation skills
• Motivated self starter with the ability to work independently with purpose and accuracy in a fast-paced environment
• High proficiency in all areas of Microsoft Office including Outlook, Word, Excel and PowerPoint

We are looking to hire a Growth Associate (Helium Credit) who will be responsible for executing a growth strategy for Helium’s credit product in the Kenyan market. 

Responsibilities:

Sales & Marketing

• Execute winning sales and marketing strategies for Helium Credit in the Kenyan market. Implement and evaluate initiatives towards acquiring customers across various target segments. Drive, report and monitor performance against set targets.
• Work with the Marketing team to present key selling points, features, and benefits while focusing on the clients' needs and expectations.
• Provide detailed information to prospective users regarding the Helium product, features and prices, in an efficient and professional manner.
• Close the deal. Deploy various selling and negotiation strategies to ensure that the deal is closed with a win-win for Helium and the client.
• Develop credit awareness programs with market segment. Plan and attend relevant industry events and conferences to network on behalf of Helium Health.
• Continually promote the Helium brand/services to ensure that Helium is top-of-mind for customers.

Credit Analysis

• Develop collections methods that consistently lead to achieving or exceeding company financial goals.
• Prepare reports concerning the status of the loan collection and uncollectible accounts.
• Analyze delinquent loans, and determine when legal action must be taken, or collection agencies be utilized.

Networking and Stakeholder Management

• Network and manage relationships with key stakeholders across various healthcare providers, payers, and patients and credit facilities in the Kenyan markets to boost business development activities.
• Work with cross functional teams internally (legal, finance, product, design, data) and externally (finance and bank partners) to implement and optimize initiatives.

 Business Research and Analysis

• Gather information on market trends and data to aid the team’s development of growth strategies. Engage in the research and analysis of consumer behaviors, products, market trends, culture etc. and use the data to provide insight to improve the attractiveness of our product to potential and current clients.

Requirement:

• Sales / business development experience in credit banking / credit finance service provision.
• Must have a deep  understanding of credit, banking and finance issues and extensive experience in the sector.
• Experience selling tech solutions is an added advantage.
• Resilient and result driven, with great prospecting skills.  
• Ability to think strategically and creatively with an innovative mindset that is constantly looking for ways to improve things.
• Strong interpersonal skills with a collaborative and flexible work style. Willing to travel and engage with our customers at various locations.
• A very good communicator. Strong presentation, listening, written and verbal skills.
• Understanding of the healthtech space and the disruptive opportunities being created.
• Digitally savvy and proficient in the use of Microsoft Office and work productivity tools.
• First Degree in finance, accounting or a related field.