Lucas Sanga
About me
I am a dedicated customer advocate, adept problem solver, and high- performing professional with over six years of experience in the microfinance and lending sector. My expertise spans various areas, including sales, compliance, risk assessment, credit evaluation, and collections, which has enriched my understanding of this dynamic industry. My journey has cultivated a diverse skill set, including effective communication, Product selling, strong customer relations, and leadership abilities. I remain committed to
continuous learning and am fueled by an unwavering passion for personal and professional development. I am resolute in my pursuit of success in any role within the organizations I serve.
Work Experience
Sales Associate
Momentum Credit
2022-02-08
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2025-11-24
Sharing information with customers, addressing inquiries, and meeting daily/monthly sales targets Market surveys and competitor activities monitoring to understand Market insights and trends Leads management, Gathering, and Cold Calling leads gathered during field visits Usage of CRM to plan, manage, and monitor clients' journeys and field activities Customer Retention and Relationship Building and Management Collection of all clients under my portfolio to maintain a clean Portfolio at Risk Active Product Selling and Marketing Develop innovative selling propositions to differentiate the product and attract and retain customers
Collection Officer
Collection Africa Limited
2022-07-01
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2022-12-30
Achieve the company's monthly collection target based on the assigned portfolio Safeguard debtor data integrity and maintain strict customer confidentiality Prepare and deliver client reports in a timely manner as needed Collect outstanding debts owed to banks and corporations, adhering to the systems, processes, and guidelines outlined by the Recoveries Performance Manager to maintain a positive cash flow Keep a close eye on accounts with slow-moving payments to identify delinquent accounts and take appropriate actions to recover the debts Engage with debtors through various channels to gather information relevant to the debt recovery process, ensuring that debtors are informed about their situation and the procedures that will be followed to recover the debt
Credit Officer
YEHU MICROFINANCE SERVICE LIMITED
2020-11-20
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2022-06-30
Review loan requests and devise payment plans for new applications and renewals understanding client journeys Present various loan options to applicants based on a thorough analysis of their applications Monitor the status and financial health of existing loans managed to achieve and maintain a PAR of 2% and 98% repayment rate Promote responsible lending by only extending loans within the business's financial capacity Managed to achieve an OLB growth from 0 to 20M Maintain consistent follow-up, accurate records, negotiated repayment schedules, and established discretionary limits Planning Marketing planning and field activities within the assigned areas Ensure the efficient and timely recovery of disbursed loans and accrued interest. Negotiate payment arrangements with customers who have delinquent loans Prepare monthly financial statements, reports, and records by collecting, analyzing, and summarizing account information
Credit Officer
JIRANI SMART LIMITED
2020-02-03
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2020-10-31
Analyze historical and current financial data, including sales reports, to develop strategies aimed at boosting sales and enhancing revenue Conduct market research to identify emerging opportunities and collaborate with executives to devise strategies for pursuing these newfound prospects Enhance the loan disbursement process for both existing and new clients, which includes reviewing loan requests and assessing clients' financial profiles Offer training and mentorship to client team members, while also liaising with clients to collect financial data and required documentation Perform risk analysis and make decisions regarding loan approvals or rejections
LOAN OFFICER
BORESHA MICROFINANCE LIMITED
2018-09-03
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2019-11-29
Responsible for marketing and Field Visits, identifying potential clients, and explaining Boreka Microfinance products to them of which I managed to achieve the monthly target of 0.5 million disbursements Per Month Assist clients in completing loan application forms and attaching all required documents to streamline the processing Reclaim chattels registered by borrowers on loan application forms in case of default on loan repayment within the stipulated timeframe Monitor credits by conducting regular follow-up visits to borrowers' residences or businesses to ensure timely repayment Constantly Maintain a PAR of Below 10% Conducting Credit Appraisal by evaluating loan applicant collateral at their business or residence to determine its capacity to cover the loan obligation, interest, and principal amount (credit appraisal)
Education
Bsc Forensic Science
Degree
2014-09-08
-
2018-04-27
Graduated with 2nd Class honours