About Oze:

Oze means business and the growth of it.

We’re passionate about enabling small businesses and local ownership to grow with technology, particularly in emerging markets. That's why we're starting in Africa.

By providing small businesses with the data they need to make decisions, Oze enables investment readiness and a chance for a local economy to assert itself on a global stage.

We are looking for people who are passionate about leveraging technology and designing for impact.

Oze’s Core Values:

1. Small Businesses
2. Collaboration
3. Ownership
4. Quality
5. Trust
6. Growth
   
   

Lending Portfolio Management Associate, Ghana:

The Loan Portfolio Management Associate will play a crucial role in the company and be responsible for managing the collection of loans to optimize profitability, minimize risk, and ensure compliance with regulations. The Lending Portfolio Management Associate work will involve ongoing monitoring, analysis, and decision-making to maintain a healthy and sustainable loan portfolio.

Job Responsibilities

• Use Oze’s internal software to prepare data for analysis and run Oze’s credit risk model to calculate credit scores and make loan offers to eligible customers
• Grow loan originations 10% month-on-month by working with marketing to target prospective borrowers to apply for loans through the app and developing partnerships with third parties that can help Oze make more credit available to qualified small business owners
• Maintain portfolio health by not exceeding a targeted non-performing loans ratio and supporting customers to set up automated repayments or make manual repayments on time
• Develop strategies to get late-paying borrowers back into good standing and work with third parties to support collection activities for non-performing loans
• Act as a key account manager for borrowers in good standing, supporting them to maintain and grow their borrowing with Oze, get the most out of the Oze app, and actively record their transactions
• Liaise with customers and third parties to ensure complete and accurate applications are submitted, including KYC, address verification, insurance, and other important aspects of loan origination
• Support borrowers to adopt other features on the app, such as inventory management and Oze Shop
• Calculate and track usage incentives and penalties and communicate them to customers
• Own analytics and reporting on your portfolio; update lending KPIs; and use data and analytics to inform portfolio management strategies
• Serve as a point of contact for and collaborate with the product team to automate the most impactful aspects of the lending process for the lending team and our customers

Minimum requirements and skills:

• A strong passion for solving challenges with and for MSMEs
• At least 3 years of experience working at a fintech lending company.
• Comfort analyzing with large data sets in Excel Proficiency in MySQL and R-Studio is a plus.
• Magnetic personality that can manage building rapport with users while being stern as needed to collect payments.
• Ability to work flexibly and efficiently on a cross-cultural team in a fast-paced environment.
• Excellent verbal, visual, and written communicator.