Senior Business Development Officer – Secured Lending at SKM Africa

Key Responsibilities


Business Development & Origination
Originate and grow a logbook and asset-based lending business through dealers, agents, referrals, and direct sourcing.
Structure appropriate loan facilities based on asset value, client repayment capacity, and risk profile.
Actively grow customer numbers while maintaining disciplined credit standards.
Credit & Asset Evaluation
Conduct detailed borrower assessments, including income analysis, cash-flow review, and affordability checks.
Verify ownership, condition, and market value of motor vehicles and other movable assets offered as collateral.
Work closely with the Credit Perfection Team to ensure proper valuation, registration, and perfection of securities.
Portfolio Quality & Risk Management
Ensure compliance with all KYC, AML, credit, and collateral-management policies.
Maintain a high-quality portfolio by monitoring repayments, flagging early warning signs, and supporting collections.
Ensure all loan documentation and asset custody controls are accurate and up to date.
Customer & Relationship Management
Build strong, long-term client relationships anchored on transparency and service excellence.
Drive repeat business and referrals through effective post-disbursement engagement.
Reporting & Performance Management
Submit accurate and timely sales, disbursement, portfolio, and asset-tracking reports.
Track performance against targets and contribute to continuous improvement initiatives.
Support, grow, and mentor junior BD Executives to deliver consistent performance.


Requirements


Bachelor's degree (Business-related field preferred).
At least 4 years' experience in logbook finance, asset-based lending, microfinance, or banking.
Strong understanding of collateralized lending and portfolio management.
Strong understanding of credit risk, collateral evaluation, and customer lifecycle management.
Excellent communication, negotiation, and relationship-management skills.
Results-driven, persuasive, and highly self-motivated.
High integrity, strong ethics, and commitment to responsible lending