Israel na Hezbollah wakaribia kupigana, wote wakataa kurudi nyuma

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  CHANZO CHA PICHA, AFP Maelezo ya picha, Wanajeshi wa Israel 23 Juni 2024 Vita kamili kati ya Israel na Hezbollah vitasababisha "janga", Katibu Mkuu wa Umoja wa Mataifa amesema. Lakini kwa David Kamari, ambaye anaishi chini ya moto unaokaribia kila siku upande wa mpaka wa Israel, vita hivyo vitakuwa suluhu. Mwezi uliopita, roketi ya Hezbollah iliyorushwa kutoka Lebanon ilitua kwenye bustani yake katika mji wa mpakani wa Kiryat Shmona, na kupasua nyumba yake katika maeneo kadhaa na kuijaza na vifusi. Anaonyesha mashimo ambayo vipande vya misumari vilipita kwenye kuta, vikimkosa kwa inchi chache. Na kisha kwenye vilima vilivyo juu yetu, ambapo eneo linalodhibitiwa na Hezbollah linaanzia. "Kila siku, kila usiku: mabomu. [Ni] tatizo," alisema. "Na mimi nilizaliwa hapa. Ikiwa unaishi hapa usiku mmoja, utakuwa na wazimu." David bado anaishi katika nyumba yake iliyojaa vifusi, vipande vya misumari vilivyonaswa na mabaki ya televisheni yake. Nje ni masalio meusi
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Credit Administration and Key Accounts Associate - Tanzania Branches

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Tanzania Branches

Job Description: Credit Collections Lead (Tanzania)

You are responsible for the execution of Sokowatch’s Financial Services strategy in Tanzania relating to credit collections and recovery. You are the owner of the Sokowatch Financial Services collections targets assigned to you including working capital financing, asset financing and other credit products to come.

You are charged with actively collecting past due credit through various channels including but not limited to SMS, telephone calls, customer visits and working with local administration and external debt collection agencies.

Our Vision

Dominate the small shops market across Africa by being their #1 partner for all goods and services by 2021. Sokowatch aims to be the platform through which our customers access a comprehensive offering of financial services that allow them to achieve both their personal and professional goals.

Your Mission in our Vision

Financial services will be the biggest differentiating factor of Sokowatch from its competitors. By crafting a suite of services/financial products that not only meets the needs of our customers but also enhances their earnings potential, Sokowatch will become an indispensable long-term partner for our customers. Our strategy is to provide a world class customer experience with regards to accessing basic financial services through effective education and signaling that allows our customers to graduate to more sophisticated financial products. In the long-run, these more sophisticated financial products will be the profit engine of the financial services business

Reporting into: Regional Credit Risk Manager

Main Responsibility: Ensure the NPL>90 Days is below 1% for the portfolio in Tanzania

Other Responsibilities

  • Daily follow up of Overdue Invoices between 1-90 Days Arrears category through phone calls and field visitations were necessary
  • Ensure 360 Customer Relationships Management Cycle by categorizing all defaulted loans
  • Assignment of calls to ensure repayments while developing Pay plans/Promise to Pay Database with elaborate follow ups
  • Ensure a thorough KYC process by conducting a verification exercise to all new clients and capture of relevant information in organization’s systems for decision making
  • Conduct Customer education to all new and existing clients to ensure adherence to Sokowatch Credit terms and communicate any change of policy
  • Provide superior Customer Experience by actively engaging all clients with feedback and information where necessary through phone calls, market visits and gathering market insights
  • Handle all customer and agents’ complaints within the credit portfolio
  • Any other duties may be assigned

Internal stakeholders: Credit Call Agents, Customer Growth Reps, Customer Engagement Reps, Collections Lead, Warehouse Managers, Agent Managers, Delivery Agents, Financial Services Product Manager, Data analysts, Risk Management

External stakeholders: Debt Collection Partners

Key KPIs

  • NPL> 90 Days Default Rate to be less than 1% ( # of customers who have failed to make any repayments for more than 90 days)
  • Above 95% Collections Rate (# Recurrent Invoices)
  • 100% verification of all existing and new clients
  • Accurate and thorough record keeping
  • Exhibit good customer relations by deriving customer satisfaction in Tanzania

Preferences

  • We would appreciate persons from the Microfinance sector
  • Good with data, accounting and excel with at least 3 years of experience
  • Good regional understanding of place of work
  • Above 28 years preferred

Education

Bachelor's degree / 3 year Diploma in Commerce, Finance, Accounting, Co-operative Management, Business Administration

CLICK HERE TO APPLY

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  Ulaya wa nyama za watu katika bara la Ulaya kati ya karne za 14 na 16 ulijulikana kama tiba ya hali ya juu ya maradhi ya kifafa na kupata uungwaji mkono wa hali ya juu kutoka kwa mamlaka za Ulaya. Matumizi ya "maiti kama dawa " katika kipindi hocho hujulikana kama, The renaissance yanaweza kugawanywa katika makundi mawili. Tiba iliyokuwa maarufu ilikuwa ikifahamika kama ile ya "mummy", ambapo mgonjwa alilishwa nyama ya binadamu iliyokaushwa, mara kwa mara ikisasafishwa , sawa na kupakwa dawa sawa na maiti za Wamisri. Lakini baadhi ya madaktari walitumia dawa za kukausha maiti sawa na zile zinazotumiwa nyakati hizi. Hizi ni pamoja na mafuta ya nyama na damu, pamoja na nyama za misuli, zilizotibiwa kwa uangalifu kabla ya kutumiwa. Mamlaka kadhaa zilidai kuwa vyanzo bora vya dawa hiyo ya nyama ya binadamu " vilikuwa ni nyama nyekundu za maiti za wanaume …zisizokuwa na kasoro yoyote…za vijana wenye umri wa karibu miaka 24, asiye na kasoro yoyote " na ambaye
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