Deputy Credit Team Leader (Mandalay, Ayarwaddy)

Salary : Negotiable Apply from Source
Job Type : Full-Time
Education Requirement : Graduate
Experience : 1 to 3 years
Work Hour : Monday To Friday
Job Detail

Job Description

Job Position: Deputy Credit Team Leader
Required No: ( 4 ) Posts
Reports to: Branch Manager, Head of Operation Department
Department: Branch Office
Location: Mandalay, Kyaukse, Meikhtila and Pathein Branch

Duties & Responsibilities:

Credit Control, Management & Risk

Credit Control
Consolidate and control loan disbursement to be compliance with credit policy and procedure of Hayman Capital’s credit purpose.
Responsible for checking loan proposals from Loans Officers and submit them to competent superior for approval.
Need to lead and control the interest rate calculation, repayment method, collateral analysis, and loan forms filling up.
Need to make sure there has no fraud for analyzing loan assessment, also manage how to take defensive measures and to avoid serious problems.
Controlling the arrangement of documents relating with credit, loan collection and managing credit for taking urgent actions.
Participation in Promotion
Need to participate in analyzing market demands for sales at the right target and for promotion in order to make customers know that all products and services of Hayman Capital.
Loan Disbursement
Checking the loan assessments and observing client’s background and character for ensuring the clients have full repayment capacities.
Need to control all the Loan Officers should not offer loan to customers who are doing illegal business or participate.
Loan Collection
Monitoring the credit report every day and evaluate the balance of portfolio at risk and the trend of credit quality.
Control and organize the customers’ payment in arrears on time to time. Need to manage and resolving problems on time if any customers are found failure on payment or violation the contracts.
Make sure all the Loan Officers are not involving for making any contract which is not their authorities.
Loan Recovery
Organize and lead to the recovery of default loan as the plan or as accepted by the superior and organize the loan recovery by doing the best in compliance with the Hayman Capital’s operating manual and procedures.

Staff’s Capacities Building
Need to educate Loan Officers about the credit operating manual, procedures, credit disciplines, laws and regulations.
Other Tasks

a) Perform other duties as assigned or required by direct manager.
b) Responsible for solving problems in duty and immediately report to direct manager about the problems for solutions.

Male/Female

Job Requirements

Qualification & Experience:

• Any University Degree;
• At least 3 years of credit supervisor or accountant work experience in a recognized MFI or commercial bank;
• In-depth knowledge of the MFI’s credit procedures and policies
• Team player with coaching skills
• Strong analytical skills
• Good communication and organization skills
• Computer Literacy.
• Prefer in good at English proficiency and communication skills.
• Willingly relocate to other regions.

What We Can Offer
Benefits

Bonus
Annual salary increase
DSA Allowance

Highlights

Fun working environment
SAT, SUN Day off and Public Holiday Off

Career Opportunities

Training Provided
Promotion opportunities

About Our Company

Hayman Capital Co. Ltd is a profitable and dynamically growing Microfinance Institution in Myanmar.
Our main shareholder is Hayman Capital Pte. Ltd – Singapore-based Investment Company.
Hayman Capital Co. Ltd was established in 2014 in Myanmar and successfully started its microfinance operations in July 2015. As of today, we are represented by an effective network in Yangon, Bago, Ayeyarwaddy and Mandalay regions. Our branches cover a number of townships, wards, and villages through well-organized offices in Insein, Thingangyun, Hlegu, Bago, Nyaunglaypin, Pyay, Pathein, Hinthada, Kyonpyaw, Mandalay, Kyaukse and Meikhtila.
We are operating under permanent license no. 0232/2016 issued by Microfinance Supervisory Committee.
The main focus of our business is providing high quality and innovative financial solutions for micro-entrepreneurs and individuals across Myanmar. Hayman Capital Co. Ltd is developing an in-depth understanding of the needs of low-income households and using flexible approaches and delivery mechanisms to provide increased financial access to such families.
For the periods 2017-2020, we plan a number of strategies as catalysts to improving both institution and our clients. We seek to enhance our products and services by introducing online platform technologies, expanding into new regions, improving upon our stakeholder reports in line with international standards, offering CSR activities through health care, social training in communities in which we operate and offering financial literacy programmes.

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