Loan Portfolio Managers at TradeDepot

About TradeDepot

TradeDepot is a B2B eCommerce and embedded finance company building the largest digital network of retail outlets in Africa and changing the way FMCG brands distribute products to over 5 million retailers on the continent. Our mission is to be “The SUPPLY PARTNER of Africa’s retail outlets” by leveraging technology to give the retailers what they want, when they want it.

Overview

• We are seeking a highly skilled and experienced Portfolio Manager to join our financial services team. The Portfolio Manager will be responsible for managing a portfolio of client loans, with a focus on maintaining the health of the loan portfolio, maximizing profitability, and ensuring excellent client relationships.
• The ideal candidate will have a strong background in financial analysis, risk assessment, and client relationship management.

Key Responsibilities

Portfolio Management and Analysis:

• Monitor and manage the health of the loan portfolio, including tracking portfolio performance metrics.
• Conduct financial analyses to identify trends, risks, and opportunities within the portfolio.
• Develop strategies to mitigate risks and capitalize on opportunities to improve portfolio performance.

Client Relationship Management:

• Build and maintain strong relationships with clients.
• Understand clients’ business models and financial needs to provide tailored financial solutions.
• Address client inquiries and resolve issues promptly to ensure client satisfaction.

Loan Origination and Renewal:

• Assess new loan applications, including conducting credit analyses and due diligence.
• Oversee the loan renewal process, evaluating clients’ financial health and repayment capacity.

Risk Management:

• Implement risk management strategies and tools to monitor and manage credit risk.
• Stay abreast of regulatory changes and industry best practices to ensure compliance and manage exposure.

Team Collaboration:

• Work closely with other departments, such as underwriting and credit analysis, to ensure a seamless loan process.
• Provide insights and reports to senior management on portfolio performance and risk exposure.

Field Engagement:

• Conduct regular field visits to assess client operations and build rapport.
• Collect and analyze field data to inform portfolio management decisions.

Required Skills and Qualifications

• Bachelor’s Degree in Finance, Economics, Business Administration, or related field.
• Minimum of 5 years of experience in portfolio management, banking, or financial services.
• Strong understanding of credit analysis and risk management principles.
• Excellent analytical and problem-solving skills.
• Proven track record in client relationship management and business development.
• Strong communication and interpersonal skills.
• Proficient in MS Office and financial analysis software.
• Ability to work independently and as part of a team.
• Willingness to travel as needed for client visits and field assessments.

Preferred Qualifications:

• MBA or equivalent advanced degree.
• Professional certifications such as CFA or CPA.
• Experience with CRM and portfolio management software.
• Knowledge of local and regional financial regulations and practices.