ECOM Ghana Group
As an origin‐integrated business operating in over 40 major producing countries worldwide, ECOM focuses primarily on coffee, cotton, and cocoa. In West Africa, ECOM is one of the leading cocoa companies operating between farm gate and chocolate maker clients. We also trade in other crops, such as cashew and sesame. We provide advisory services, training and support to farmers on productivity, quality, certification, and crop diversification, environmental and broader social issues. We also run a fleet of over 150 modern trucks that serves our logistics and transport needs. We provide farmers with relevant products including a range of agro‐inputs and micro‐financing options. The company influences the livelihoods of over 250,000 smallholder farmers.
The Role
The Risk Officer is responsible for maintaining organization-wide credit risk monitoring and assessments systems to identify significant risks or exposure related all receivables/ debtors under the supervision of the Recovery Manager for all entities within the Ecom Ghana Group. The Risk Officer shall also ensure all exercise his duties to ensure all enforcement and the execution of operational policies, that seeks prevention, detection and correction of risks related to the above-mentioned core activities
Main Responsibilities
- Reconcile and establish the debt outstanding balance of all debtors / receivables (both internal and external) of the company.
- Design comprehensive credit control systems that minimizes the unsystematic credit risk and advise management on doubtful debt o Conduct periodic credit risk assessment of all debtors to identify debt at risk and highlight to Business Heads and Recovery Managers.
- Liaise with IA to conduct special audit and fraud investigations. Must be able to investigate and locate absconded clients and assist the unit to recover any amount due.
- Reconcile the recovery bank accounts and liaise with the accounts team post the relevant transactions.
- Coordinate with the Lawyers to prepare and review service contracts with all agents and external parties to the company
- Assist the legal officer to manage the civil case briefs. This includes preparing, obtaining and filing all relevant supporting documents to be used as evidence for all legal suit.
- Liaise with the compliance unit in identifying emerging risks that could negatively impact the organizations operations and reputation, and develop procedures to mitigate against such risks.
- Undertake other relevant duties that may be required as directed by the Recovery Manager.
Skills & Experience
- Bachelor’s Degree in any Business related field and / or other professional qualifications.
- Partial/full member of a related Professional Body
- A minimum of two (2) years’ work experience in similar role (i.e. in LBC, Banking/Micro Finance and specifically Debt Recoveries)
- Apt knowledge in the cocoa supply chain (LBC – FH – PC – Farmer Relationship)
- Fair Knowledge in fundamental legal procedures on litigations, conflict Resolution, etc.
- Maintains an impeccable level of Independence and Integrity
- Moderate analytical skills
- Moderate Excel and computer literacy
- Good project and time management skills, and the ability to work towards tight deadlines
- Excellent collaboration, verbal and written (especially report writing) communication skills
- Ability to think outside the box and have an innovative approach
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