Financial Consultant

Job Title: Financial ConsultantRole Overview: Spectrum Credit is seeking Financial Consultants to play a key role in driving financing. The successful candidates will be responsible for identifying, assessing, and managing loans, ensuring quality portfolio growth while maintaining low default risk. This role demands a results-oriented professional who can balance business growth with prudent credit risk management, while delivering excellent customer service to clients.Location/ Branch: Lusaka HQKey Responsibilities:Manage new client onboarding through the official digital client onboarding channel.Provide excellent customer service to clients, attending to their financial needs timely.Build and maintain strong long-term client relationships, through excellent service and support.Uphold integrity, reliability, and respect in all interactions, maintaining high ethical standards.Monitor the performance of the loan portfolio against key performance indicators (KPIs) such as Portfolio at Risk (PAR), and targets.Actively engage existing, high-quality clients to achieve refinancing, ensuring long-term portfolio stability.Proactively scout and onboard new high-potential loan clients per month and expand the current portfolio.Manage and follow up on USSD-based inquiries, successfully converting leads into active loan applicants.Secure and process new clients each month to meet aggressive organizational monthly disbursement targets.Ensure all lending activities comply with lending policies & regulations, local financial laws, anti-money laundering (AML) protocols, and "Know Your Customer" (KYC) standards.Requirements:Diploma or Degree in Sales, Finance, Banking, Business Administration, or related fields.Fresh graduates or candidates without prior experience are welcome to apply, provided they are trainable and eager to learn.Minimum 1 year experience in lending, microfinance, banking, or other relevant industries is preferred.Ability to engage clients directly, adapt to dynamic environments, and meet evolving business requirements.Customer service excellenceAbility to assess borrower risk and portfolio quality.Understanding of industry regulations and adherence to company policies.How to ApplyIf you are passionate about the role and driving business success, we’d love to hear from you!1.   Attach your CV, Professional and Academic qualifications, copy of NRC as one file2.   The file name should follow this format: Name_Position_Location3.   Send to jobs@spectrumcreditltd.comENSURE YOU CLEARLY STATE THE JOB TITLE AND BRANCH YOU ARE APPLYING FOR IN THE SUBJECT LINE.Application deadline: 23rd June 2026ONLY SHORTLISTEDCANDIDATES WILL BE CONTACTED FOR AN INTERVIEW