Company Profile

Advans is a leading microfinance group established in 2005. Advans mission is to respond to the need for financial services of small businesses and other populations who have ill-adapted, limited or no access to formal financial services. The Advans Group currently spans nine countries: Cambodia, Cameroon, Ghana, the Democratic Republic of Congo, Côte d’Ivoire, Pakistan, Nigeria, Tunisia and Myanmar. As at end October 2019, the group served more than 1,000,000 clients and employed more than 7,300 staff. Headquartered in Luxembourg with support services in Paris, the group’s shareholders are EIB, KfW, FMO, CDC Group plc, FISEA (AFD Group) and IFC.

Advans Ghana, subsidiary of the international microfinance group Advans, started its activities in 2008. The institution offers a full range of adapted financial products and services to micro, small and medium sized enterprises in Ghana. The institution serves more than 64,000 clients through a network of 20 points of sale and over 650 employees.

Job Description

• Organize prospecting and communication actions in the zone of intervention (Organize prospecting and communication actions in the zone of intervention (markets and commercial areas) by collaborating with his/her colleagues and other staff of the institution. 
• Introduce Advans Ghana products and services to the target population.
• Follow up the prospects by regular contact with the identified potential clients.  
• Propose new products and services to his/her current clients.
• Identify clients’ needs and propose new products/services to the management.
• Encourage clients to open deposit accounts and meet targets.
• Ensure that each customer receives outstanding service by providing a friendly environment, which includes greeting and acknowledging every customer, maintaining outstanding standards, solid product knowledge, and all other aspects of customer service.

• Assist the clients with loan applications.
• Conduct loan appraisal and collect detailed information (personal, business, guaranties) on the field.
• Present the loan request to the loan committee.
• Organize recovery actions in case of late repayment.
• Maintain regular contact with clients by organizing visits to the field.
• Become a respected and active stakeholder in the intervention zone by spending most of the time on the field and creating a trusty relationship with small businessmen/women.

• Keep complete and detailed documentation on each client.

• Prepare a weekly plan with expected tasks and visits to be done.
• Share information and best practices with staff. 
• Report all the issues related to the job to the immediate supervisor.
• Analyse the client portfolio by using operational reports.

• Prospection, client/guarantor visits, loan disbursement, recovery 

• Dealing with difficult clients
• Commuting in between different locations
• 80% of the work time on the field engaging customers 

Required Skills or Experience

• Ability to meet objectives (quantitative and qualitative) determined by the operations department and branch manager.
• Ability to represent Advans Ghana in the branch by demonstrating professionalism and dynamism.
• Ability to respect policies and procedures.
• Ability to manage the information by using the MIS and keeping records in client files.
• Good communication skills.
• Good drive for initiatives.
• Ability to deliver clear, transparent, and accurate information to clients.
• Ability to manage the information by using the MIS and keeping records in the client files.
• Ability to become a key stakeholder in the intervention zone.
• Ability to adapt the communication depending on the type of clientele by speaking local languages and adapting the level of language.
• Ability to manage the information by using the MIS and keeping records in the client files.
• Ability to become a key stakeholder in the intervention zone.
• Ability to adapt the communication depending on the type of clientele by speaking local languages and adapting the level of language.