Company Info
Mid sized business
Lighting Finance Technology Nigeria Limited
51 to 100 Employees
Lighting Finance Technology Nigeria Limited is a forward-thinking online organization specializing in providing loans and credit facilities to eligible applicants through our user-friendly applications. Our innovative approach allows us to efficiently evaluate and meet the requirements of deserving individuals seeking financial assistance. Through our digital platform, we aim to simplify the loan application process and deliver timely financial solutions to support our customers’ needs.
1). Customer Service Loan Officer
Location: Oregun, Ikeja – Lagos
Employment Type: Full-time
Job Description
- Consumer loan officers work directly with customers to help them secure credit and financing for a variety of applications.
- While this category can include mortgage officers, it also includes roles that do not include as much preparation and licensure, such as loan officers who work for automobile dealers or those who work within a bank’s consumer lending department.
- The consumer loan officer helps customers through the application process, from the initial paperwork to gathering necessary financial information and documents and enrolling in payment plans.
- Consumer loan officers follow a code of ethics to ensure that consumers can reasonably pay back loans and that they fully understand loan terms.
Duties and Responsibilities
Process Loan Applications:
- The consumer loan officer’s primary duty is working with customers to process loan applications and help them secure financing.
- This process begins with an initial interview in which the consumer loan officer gathers basic information related to the applicant and the type of loan and amount they are seeking.
- The consumer loan officer then provides support throughout the loan process.
Gather Consumer Financial Data:
- Another central duty of the consumer loan officer is gathering financial data to support approval of or reject decisions.
- This typically involves verifying consumer information, such as employment records and bank account holdings, along with conducting in-depth research related to the applicant’s creditworthiness by pulling credit reports and verifying a history of on-time payments.
Establish Payment Plans:
- Consumer loan officers frequently work with customers to establish payment plans as part of the loan application and approval process.
- These plans break loans into manageable amounts and may also provide the customer with some flexibility regarding prepayment or temporary deferment. Some loan officers may also assist customers with setting up automated payments.
Maintain Approval and Rejection Records:
- For each loan approval and rejection, the consumer loan officer maintains thorough records that might detail reasons for rejection, approval terms, and customer data that show why they decided on certain loan elements.
- This ensures compliance with lending guidelines, while also providing a record of the approval or rejection process if the customer has questions about the consumer loan officer’s reasoning or determinations. Additionally, the consumer loan officer’s superiors may request justifications for an approval or denial.
Manage Account Data:
- Consumer loan officers also work with other banking professionals to maintain and update customer account data that can affect loan options and payments. For example, a customer’s income may change, or credit score may increase, making them eligible for larger loans at more competitive rates. While bank clerks may handle the data entry, the consumer loan officer ensures that it is correct and timely.
Conduct Customer Outreach and Support:
- Marketing, support, and outreach are all central to the consumer loan officer’s role. Before, during, and after the loan application process, consumer loan officers use a variety of methods to reach out to potential customers and provide information on loan products and procedures, ensuring they have a positive borrowing experience, that they return to the loan officer for future loans, and that they refer their associates to the same financial institution.
Requirements
- Candidates should possess a Bachelor’s Degree with 1 – 2 years experience.
Remuneration
N65,000 – N85,000 Monthly.
Application Closing Date
30th July, 2023.
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2). Customer Service Agent
Location: Oregun, Ikeja – Lagos
Employment Type: Full-time
Job Summary
- We are seeking an outgoing, organized, and friendly Customer Service Agent to join our growing team and provide top-notch service to our customers over the phone, in person, and using written communications.
- In this role, you will interact directly with our customers to answer questions, solve problems, provide education, and maintain our company’s reputation for high-quality service.
Duties and Responsibilities
- Maintain updated knowledge of all company products and services in order to provide adequate education to customers
- Provide information and instructions about relevant products and services
- Make product and service suggestions to meet the customer’s specific needs
- Obtain necessary information from customers to adequately follow up
- Document important customer information for future reference
- Collect and record customer feedback and information, and share with appropriate departments and team members
- Generate interest in new products or services and connect customers with salespeople when required
- Foster and maintain relationships with customers to improve our retention rate
- Field incoming phone calls and respond to phone messages from customers
- Promptly respond to customer questions submitted via email or our website
- Answer customer questions and provide information to resolve any issues
- Process orders and returns
- Attend all required customer service-related meetings.
Requirements and Qualifications
- High School Diploma or equivalent
- 1+ years’ of experience in a customer service-related role
- Positive, service-oriented attitude
- Ability to thrive in a fast-paced and sometimes high-pressure environment
- Basic computer skills and excellent phone disposition
- Willingness to work independently or as part of a team.
- Excellent written and verbal communication skills
- Ability to foster and maintain relationships
- Organizational skills with the ability to manage numerous projects and priorities at once.
Remuneration
N65,000 – N85,000 Monthly.
Application Closing Date
30th July, 2023.
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3). Call Centre Recovery Agent
Location: Oregun, Ikeja, Lagos
Employment Type: Full-time
Job Description / Responsibilities
- To Make Calls to Customers and Clients on the Repayment of their Loans once due.
- Ensure prompt follow-up on each customer till their loans are repaid.
- Provide Flexible means for customers to meet up with their Repayment.Result-oriented and ensuring Payments are actually made each day.
- Applicants will be given Targets to meet which will determine the final bonus to be paid at the end of the Month, plus their Basic Salary too.
- Innovativeness, creativity, ability to think out of the box and solve problems that relate to collections on behalf of the Organisation.
Requirements
- Candidates with ND, HND or B.Sc in the relevant field, can apply.
- 1 – 2 years works experience.
- Candidates with experience or who have done a similar job will be considered and highly favoured.
- Applicants within the Axis of Ogudu, Ojota, Oregun, Ogba, Ketu, Maryland, Palm-Groove, etc will be considered.
Salary
N65,000 – N85,000 monthly.
Application Closing Date
30th July, 2023.
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4). Collection Officer
Location: Oregun, Ikeja, Lagos
Employment Type: Full-time
Job Description
- The candidate will attempt to collect payment on overdue bills by informing customers of their debt and their various options for repayment.
- When agreeable payment terms are not reached, collections officers take further action in order to collect payment on debts.
- Candidates will typically work in call center and office environments during daytime, evening, and weekend work shifts, both full- and part-time hours.
- The candidate will report to a direct manager or supervisor as assigned and work as part of a large team of collections officers.
Duties and Responsibilities
- Collections officers are hired by many types of businesses that serve a large customer base and by collections agencies, but job duties do not vary much from company to company. Core responsibilities for collections officers include:
Make Calls to Clients:
- The candidate will attempt to locate and contact clients, primarily over the phone, in order to talk with them about their debts.
- This includes calling customers at home, at work, and on their cellular phones.
Negotiate Payment Schedules:
- The candidate willspeak to customers to negotiate payment plans and payment schedules that suit their current financial situation while still satisfying the debt.
Advise Customers:
- The candidate will advise customers on their various payment options. If no payment agreement can be reached, collections officers inform customers of further actions that may be taken to collect overdue debts.
Maintain Customer Files:
- The candidate will keep customer files updated, recording times and dates that contact has been made and noting information that customers have received about their debt.
Prepare Statements:
- The candidate willprepare statements to be given to credit departments and banks when customers fail to meet their payment agreements or when no payment agreement can be made.
Write Letters:
- The candidate will write letters to customers to inform them of their debts.
- When customers fail to meet their payment obligations and fail to make payment agreements, collections officers write letters to credit agencies, insurance companies, lawyers, and customers’ employers to collect debt without the customer’s aid.
Answer Phones:
- The candidate will answer incoming calls from customers and other individuals.
Requirements
- Candidates should possess a Bachelor’s Degree qualification.
- 1 – 2 years work experience.
Salary
N65,000 – N85,000 monthly.
Deadline: 31st July, 2023.
How to Apply: Interested and qualified candidates should send their updated CV to: [email protected] using the Job Title as the subject of the mail.