LOAN OFFICER

Bongo Credit is a new consumer finance business being established in South Africa, backed by the experience of an international financial services group.

We are built on the principles of responsible lending, fair customer treatment, and full transparency - because we believe people deserve to understand exactly what they are signing up for.

We assess affordability carefully, protect customer data, and operate in full compliance with South African laws and regulatory requirements.

Our mission is simple: to provide financial products that are clear, accessible, and genuinely suitable for the people who use them.

As we grow, we are committed to building lasting relationships - with our customers, our partners, and the regulators we work alongside.

If you want to be part of building something meaningful from the ground up.

Elevate your future: Join our adventure!

Join our team! We are seeking experienced and driven Loan Officers to be based in Cape Town and Stellenbosch.

• Welcome customers to the branch and create a warm, professional first impression that reflects the Bongo Credit brand
• Conduct thorough needs assessments to understand each customer's financial situation, goals, and affordability
• Guide customers through the full loan application process, clearly explaining product terms, interest rates, fees, and repayment obligations in plain language
• Assess customer affordability in line with the National Credit Act (NCA) and Bongo Credit's responsible lending policies
• Collect and verify all required documentation
• Capture accurate customer information and application data in internal systems, maintaining complete and compliant records
• Follow up on pending applications and keep customers informed throughout the approval process
• Identify opportunities to match customers with additional suitable products or services
• Achieve individual and branch sales targets while maintaining the highest standards of customer care and compliance
• Resolve first-level customer queries and complaints professionally, escalating where necessary
• Uphold all FAIS, NCA, POPIA, FICA, and internal compliance requirements at all times
• Contribute to a positive branch culture and support colleagues to deliver a consistent customer experience

• Experience in personal loans, credit, or financial advisory will be a strong advantage
• Matric / Grade 12 qualification is essential
• A relevant tertiary qualification in Finance, Business, or a related field is advantageous
• Registration as a Representative under FAIS (or working towards it) is preferred
• Solid understanding of the National Credit Act, affordability assessment principles, and responsible lending practices
• Strong numerical literacy and the ability to read and interpret basic financial documents such as payslips and bank statements
• Excellent interpersonal and communication skills — able to explain complex financial information in simple, accessible terms
• High attention to detail and accuracy in documentation and data capturing
• Self-motivated with a results-driven mindset, and the integrity to always put the customer first
• Comfortable working in a target-driven environment without compromising on compliance or customer care
• Proficient in MS Office and able to learn new systems quickly
• Clear credit and criminal record

• Shared Success, "We Win Together" – a culture built on collaboration, trust, and achieving ambitious goals together
• International exposure through collaboration with colleagues and markets across Europe and Africa
• Meaningful work that contributes to financial inclusion and creates positive impact in the communities we serve
• Opportunities to influence change, drive improvements, and see your contributions translate into real business results
• Continuous learning and tailored development opportunities to support your professional growth
• A diverse and inclusive workplace where different perspectives are valued and encouraged
• Modern employee benefits package, including health insurance, lunch allowance, special day-off package, paid mobile calls, and parking
• Flexible and supportive work environment that promotes a healthy work-life balance
• Competitive salary, complemented by result-oriented bonus opportunities