Credit Finance Specialist

_About the role To manage collection activities and support the company's lending and borrowing operations, including loan administration, disbursement, repayment monitoring and coordination with clients and Legal. Key responsibilities Collection and Repayment Monitoring

• Manage and monitor collection and repayment schedules for assigned financing accounts.
• Follow up with clients/borrowers on upcoming, due and overdue payments.
• Track principal, interest, fees, repayments and outstanding balances.
• Ensure collections received are properly identified and reconciled against financing records.
• Maintain an updated ageing and outstanding collection schedule.
• Follow up proactively on overdue accounts and repayment commitments.
• Escalate significant delays, defaults or collection issues to management on a timely basis.

• Support the end-to-end lending process from approved facility through disbursement, repayment and closure.
• Review approved financing terms and ensure they are correctly reflected in internal records and schedules.
• Prepare and maintain loan disbursement and repayment schedules.
• Verify financing calculations including principal, interest, processing fees, stamping fees and other applicable charges.
• Ensure required approvals and supporting documents are complete prior to disbursement.
• Coordinate with relevant internal teams to facilitate timely disbursement.
• Monitor maturity dates and ensure repayment obligations are followed up accordingly.

• Maintain schedules for company borrowings and funding arrangements.
• Monitor interest, repayment dates and outstanding balances.
• Assist with funding requirements and repayment planning.
• Reconcile borrowing balances against accounting records and supporting documents.

• Liaise with clients/borrowers on documentation, disbursement and repayment matters.
• Coordinate with Legal on loan/facility agreements and supporting documentation.
• Follow up on agreement execution, stamping and outstanding documents.
• Ensure financing records are consistent with approved and executed agreements.
• Maintain complete documentation for each financing transaction.

• Maintain accurate and updated trackers for all active financing arrangements.
• Identify operational issues or gaps in the lending and collection process and recommend improvements.
• Work closely with Finance, Legal and other relevant teams to resolve operational matters.
• Support the development and improvement of credit finance procedures and documentation.
• Perform other credit finance-related responsibilities assigned by the Head of Finance.

• Diploma or Degree in Finance, Accounting, Banking, Business Administration or a related discipline.
• Approximately 3–5 years of relevant working experience in credit administration, lending, collection, banking, financing or finance operations.
• Good understanding of loan calculations, interest, repayment schedules and outstanding balances.
• Good numerical and reconciliation skills.
• Proficient in Microsoft Excel and comfortable maintaining financial schedules and trackers.
• Able to understand financing agreements and translate key commercial terms into operational schedules.
• Experience in a money lending, financial services, banking, fintech or similar environment would be an advantage.
• Exposure to loan/facility documentation and working with Legal would be beneficial.
• Basic accounting knowledge, particularly relating to loans, interest and collections, is preferred.