Mobile Banking Officer - Advans Ghana Savings and Loans

Advans is a leading microfinance group established in 2005. Advans mission is to respond to the need for financial services of small businesses and other populations who have ill-adapted, limited or no access to formal financial services. The Advans Group currently spans nine countries: Cambodia, Cameroon, Ghana, the Democratic Republic of Congo, Côte d’Ivoire, Pakistan, Nigeria, Tunisia and Myanmar.

As of the end October 2019, the group served more than 1,000,000 clients and employed more than 7,300 staff. Headquartered in Luxembourg with support services in Paris, the group’s shareholders are EIB, KfW, FMO, CDC Group plc, FISEA (AFD Group) and IFC.

Advans Ghana, subsidiary of the international microfinance group Advans, started its activities in 2008. The institution offers a full range of adapted financial products and services to micro, small and medium sized enterprises in Ghana. The institution serves more than 64,000 clients through a network of 20 points of sale and over 650 employees.

Job Description

Are you passionate about providing excellent customer service and helping clients with their mobile banking needs? Do you have strong communication skills and enjoy working in a fast-paced environment? Are you looking for a new challenge in a dynamic and multicultural environment?

Advans Ghana, a leading MFI, has the position you are looking for.

The role is open in all branch networks—contract with the potential for renewal.

What will your role be?

The urban Mobile Banking Officer represents Advans in the field (at clients’ business places). The objectives of his/her function are the following:

• Developing a savings and deposits portfolio
• Ensuring clients have access to and can use any delivery channel proposed by Advan
• Providing field support to on-time loan repayment

MAIN RESPONSIBILITIES

Commercial activities

• Organize prospecting and communication actions in the zone of intervention (markets and commercial areas) in collaboration with the other branch staff.
• Individually prospect new clients and undertake cross-selling activities to new and existing clients by understanding their needs and providing accurate information on Advans products & services
• Follow up the prospects by regular contact with the identified potential clients, using the prospecting tools (forms, CRM, etc.).
• Ensure high quality of service to increase clients' adherence to Advan's

Deposit mobilization

• Encourage clients to make deposits and promote savings by:
• Maintain regular contact with clients by organizing visits to the field.
• Proposing savings accounts adapted to the client's needs
• Providing training to clients about savings habits
• Encouraging clients to make regular deposits and transfers to their Advans account, especially given loan repayment

Remote access to Advan's

Ensure clients have convenient remote access to Advans products by:

• Facilitating non-cash transactions on the field such as: creating clients, opening accounts,taking loan applications
• Enrolling clients in the e-cash service and performing the field collection for e-cash clients,with specific attention to late repayments
• Enrolling clients in the Mobibank service, supporting a good uptake of the service (providing training, coaching, and support in case the clients meet challenges, enhancing trust in the service), and guiding clients on how to repay their loans through the Mobibank service
• Promotion of any other alternative delivery channel put in place by Advan's
• Documenting the client’s request and or needs regarding delivery channels through the appropriate tools and ensuring follow-up on these requests and or needs
• Representing Advans on the field and serving as an information channel between Advans and the urban clients

Organization

• Ensure compliance of all operations performed with Advans policies and procedures
• Report to direct supervisor on activities and issues
• With support from a direct supervisor, monitor targets’ achievement and regularly review priorities both at portfolio and client’s level
• With support from a direct supervisor, consistently prepare an optimized schedule and ensure application on the field
• Share information and best practices with other Mobile Banking Officers

Challenges of the job

• Maintain a close relationship with a large client portfolio
• Propose a tailor-made approach to each client
• Ensure a proper time organisation
• Travel to urban/rural zones daily

Required Skills or Experience

• Minimum completion of SSCE Certificate, WASSCE, Diploma
• Good mathematical ability