Credit Officer

About Care Cova

Care Cova operates as an innovative healthcare financing platform designed to provide instant access to medical services with flexible payment solutions. It eliminates the burden of upfront healthcare costs, allowing patients to begin treatment immediately while spreading payments over time. The company utilizes seamless digital payment technologies to streamline financial procedures for both patients and healthcare providers, aiming to enhance affordability, accessibility, and patient satisfaction.

Role Overview

The Credit Officer position is a full-time, on-site role located in Port Harcourt. The individual in this role will be tasked with reviewing and evaluating credit applications from users seeking healthcare financing. Responsibilities include ensuring credit decisions comply with internal policies and risk frameworks by scrutinizing financial documents and creditworthiness. The officer will set suitable credit limits, monitor repayment behavior, and detect any credit risks. Additional duties entail maintaining precise credit records, preparing performance reports of credit portfolios, and cooperating with customer support and finance teams to address and improve process-related challenges. Clear communication of credit verdicts and assisting users in understanding financing terms are vital, alongside contributing toward responsible lending policies.

Qualifications and Skills

• Proficiency in credit management, with hands-on experience in credit assessment and ongoing monitoring.
• Strong analytical capabilities to interpret financial data, recognize risk indicators, and make data-informed lending choices.
• Sound knowledge of finance principles involving lending, repayment plans, and introductory financial analysis.
• Excellent communication skills for articulating credit decisions, fostering teamwork, and assisting customers effectively and respectfully.
• Possession of a Bachelor's degree in Finance, Accounting, Economics, Business, or a related discipline, or equivalent professional expertise.
• Prior experience in credit or lending roles within financial services, fintech, or healthcare financing sectors is beneficial.
• High integrity, meticulous attention to detail, and the capacity to work accurately in a dynamic environment.
• Comfortable with digital credit evaluation and portfolio management tools, with an eagerness to adopt new technologies and systems.