Employment Type: Full-Time

Work Station: On-Site / Kuleshwor, Kathmandu

No. of Vacancies: 1

Offered Monthly Salary: 35,000/- to 40,000/-

Working Hours: 9:30am to 5:30pm / Sunday – Thursday

Application Deadline: 15th December 2024

About the Role: 

We are looking for an enthusiastic and results-driven Head of Loan Management to lead our dynamic operations team. The ideal candidate will be responsible to:

• Oversee the entire loan process, from approval to repayment, ensuring smooth and compliant operations.
• Maintain loan portfolio quality by managing loan risk and minimizing defaults.
• Enhance efficiency and accuracy in loan administration through best practices and technology.
• Drive process improvements to support customer satisfaction and operational excellence.

Key Responsibilities:

• Oversee the end-to-end loan management process, including credit profiling, disbursement, servicing, repayment
• Ensure all loan processes comply with company policies, regulatory standards, and risk management guidelines.
• Develop and implement strategies to mitigate loan defaults, including proactive borrower communication, timely interventions, and customized repayment plans.
• Monitor portfolio performance to identify trends and potential risks, taking action to minimize loan loss exposure.
• Lead the recovery team in developing effective strategies for timely loan repayments
• Identify opportunities to enhance loan management processes, such as automating workflows, reducing manual tasks, and improving data accuracy.
• Partner with tech and operation teams to integrate technology that optimizes loan processing, tracking, and reporting.
• Ensure data integrity across all loan management systems and maintain accurate records to support audits and compliance.
• Ensure all loan management activities adhere to regulatory requirements, company policies, and industry standards.
• Keep abreast of legal and regulatory changes in lending, making necessary adjustments to policies and procedures to maintain compliance.
• Conduct regular audits of loan files, processes, and records to ensure full compliance with legal and operational standards.
• Develop and monitor key performance indicators (KPIs) related to loan processing speed, repayment rates, portfolio quality, and collection effectiveness.
• Provide regular reports to executive leadership on loan portfolio performance, risks, and improvement initiatives.

Required Qualifications and Skills

• Bachelor’s degree in Finance, Business Administration, or related field (MBA or similar advanced degree preferred).
• 4-5 years of experience in loan management, credit operations, or financial services, with at least 3 years in a leadership role managing loan portfolios.
• Proven experience in credit risk management, collections, and loan processing optimization.
• Strong understanding of loan management, collections, and risk mitigation.
• Excellent analytical, communication, and leadership skills.
• Proficiency in loan management software and knowledge of automation in loan processes.
• Ability to work cross-functionally and drive process improvements.
• In-depth knowledge of lending regulations and compliance standards.

Interested candidates can send us their CVs at careers@aloi.global. Please include “Head of loan Management Application – [Your Full Name]” in the email subject line.

Employment Type: Full-Time

Work Station: On-Site / Kuleshwor, Kathmandu

No. of Vacancies: 2

Offered Monthly Salary: 25,000/- to 30,000/-

Working Hours: 9:30am to 5:30pm / Sunday – Thursday

Application Deadline: 15th December 2024

About the Role: 

We are looking for an enthusiastic and results-driven Sales Associate to be a part of our dynamic sales team. The ideal candidate will be responsible for assisting in acquiring new clients and supporting overall sales efforts and providing administrative and operational support to the sales team.  The Sales Associate will play a key role in developing and maintaining strong relationships with potential and existing clients. Provide market insights and feedback to the company to refine product offerings and sales strategies.

Key Responsibilities:

• Assist in generating leads through market research, networking, and cold outreach.
• Support senior sales team members in preparing sales presentations and client pitches.
• Attend meetings with potential clients to understand their needs and propose relevant fintech solutions.
• Maintain relationships with existing clients by addressing inquiries and ensuring regular communication.
• Help manage the sales pipeline by tracking client interactions, following up on pending deals, and updating CRM tools.
• Assist in providing after-sales service and ensuring customer satisfaction.
• Develop contracts, proposals, and other sales-related documentation.
• Ensure timely and accurate data entry in CRM systems and maintain organized sales records.
• Coordinate with internal departments (e.g., market development, product) to ensure alignment with sales efforts.
• Continuously enhance product knowledge through internal training and self-learning, ensuring the ability to effectively communicate product features and benefits.
• Provide logistical support to the sales team, including scheduling meetings, managing calendars, and coordinating travel arrangements.
• Prepare regular reports on sales activities, performance metrics, and market insights to share with the sales manager.

Required Qualifications and Skills

• Bachelor’s degree in Business, Marketing, Finance, or a related field.
• 1-2 years of experience in sales support, customer service, or a related role (preferably in financial services)
• Strong interpersonal and communication skills.
• Ability to multitask, prioritize, and work in a fast-paced environment.
• Detail-oriented with strong organizational and administrative abilities.
• Familiarity with CRM software and sales tools is a plus.
• Willingness to learn and adapt to new technology solutions.

Interested candidates can send us their CVs at careers@aloi.global. Please include “Sales Associate Application – [Your Full Name]” in the email subject line.

Employment Type: Full-Time

Work Station: On-Site / Kuleshwor, Kathmandu

No. of Vacancies: 1

Offered Monthly Salary: 30,000/- to 35,000/-

Working Hours: 9:30am to 5:30pm / Sunday – Thursday

Application Deadline: 15th December 2024

About the Role: 

We are looking for an enthusiastic and results-driven Loan Manager to lead our dynamic loan operations team. The ideal candidate will be responsible to:

• Oversee the end-to-end loan process, ensuring efficient application handling, timely disbursements, and effective portfolio management.
• Minimize default risk by implementing effective loan monitoring and collection practices.
• Ensure high levels of customer satisfaction through professional loan servicing.
• Collaborate with cross-functional teams to meet lending goals and enhance operational efficiency.

Key Responsibilities:

• Oversee the loan application process, ensuring applications are processed accurately, completely, and in compliance with internal credit policies.
• Conduct initial assessments or delegate to team members, ensuring that all loans meet credit risk standards before final approval.
• Work closely with the credit team to resolve complex cases and expedite decision-making for high-priority applications.
• Identify at-risk loans, coordinating with the collections team to proactively address repayment challenges.
• Maintain updated records of all active loans, tracking performance and highlighting trends to support risk management.
• Serve as a point of escalation for client issues, working with customer service to address repayment concerns and complex queries.
• Ensure clear, consistent communication with borrowers throughout the loan lifecycle, from application to closing.
• Lead, coach, and support the loan operations team, ensuring they are well-equipped to handle their responsibilities.
• Conduct regular team meetings, performance reviews, and training sessions to maintain a high level of service quality.
• Foster a collaborative and client-focused team environment, encouraging professional growth and knowledge-sharing.
• Develop and document best practices to optimize operational efficiency and ensure scalability.
• Track key metrics, such as loan approval turnaround times, delinquency rates, and portfolio performance.
• Provide regular reports and insights to senior management on loan processing trends, portfolio quality, and operational challenges.
• Use data analytics to continuously improve processes, minimize risk, and ensure alignment with business objectives.

Required Qualifications and Skills

• Bachelor’s degree in Finance, Business Administration, Economics, or a related field.
• 2-3 years of experience in loan operations, credit management, or financial services, with at least 2 years in a supervisory role.
• Strong background in loan processing, risk management, and customer relationship management.
• Excellent analytical, organizational, and problem-solving abilities.
• Proficiency in loan management software, financial analysis tools, and relevant technology.
• Strong communication and interpersonal skills for team management and client interaction.
• In-depth knowledge of lending regulations, compliance standards, and risk management practices.

Interested candidates can send us their CVs at careers@aloi.global. Please include “Loan Manager Application – [Your Full Name]” in the email subject line.

Employment Type: Full-Time

Work Station: On-Site / Kuleshwor, Kathmandu

No. of Vacancies: 2

Offered Monthly Salary: 30,000/- to 35,000/-

Working Hours: 9:30am to 5:30pm / Sunday – Thursday

Application Deadline: 15th December 2024

About the Role: 

We are looking for an enthusiastic and results-driven Sales Executive to lead our dynamic sales team. The ideal candidate will be responsible for driving sales growth by acquiring new clients and achieving monthly/quarterly sales targets. The Sales Executive will play a key role in developing and maintaining strong relationships with potential and existing clients. Provide market insights and feedback to the company to refine product offerings and sales strategies.

Key Responsibilities:

• Identify and pursue new business opportunities through cold calling, networking, and market research.
• Meet potential clients to understand their financial needs and present relevant fintech solutions.
• Develop and execute sales strategies to meet or exceed targets.
• Build and maintain long-term relationships with clients.
• Manage the sales pipeline, track progress, and maintain accurate records of interactions.
• Ensure high levels of customer satisfaction through excellent service.
• Maintain thorough knowledge of the company’s products and services to confidently present solutions to clients.
• Participate in product training sessions and become proficient in using and explaining the technology.
• Prepare and deliver regular reports on sales performance, market feedback, and client needs.
• Collaborate with the market development and product teams to share client insights and suggest improvements to products or services.

Required Qualifications and Skills

• Bachelor’s degree in Business, Marketing, Finance, or a related field.
• 2-4 years of experience in sales, preferably in fintech, banking, or financial services.
• Proven track record of meeting or exceeding sales targets.
• Strong communication and negotiation skills.
• Ability to understand complex financial products and explain them clearly to clients.
• Proactive, goal-oriented, and able to work independently.
• Familiarity with CRM software and sales tracking tools.
• Ability to thrive in a fast-paced, technology-driven environment.

Interested candidates can send us their CVs at careers@aloi.global. Please include “Sales Executive Application – [Your Full Name]” in the email subject line.

Position: Product Manager (Agri-Business)

Employment Type: Full-Time

Work Station: On-Site / Kuleshwor, Kathmandu

Offered Monthly Salary: 30,000/- to 35,000/-

Working Hours: 9:30am to 5:30pm / Sunday – Thursday

About the Role: 

An exciting new opportunity awaits you as we are hiring a Product Manager for Krishala Product (agriculture and SME focused) at Aloi Private Limited.

Key Responsibilities:

• Maintaining and monitoring product plans, project schedules, budgets, and expenditures.
• Organizing, attending, and participating in stakeholder meetings.
• Preparing necessary presentation materials for meetings and training sessions
• Providing administrative support as needed.
• Assess product risks and issues and provide solutions where applicable.
• Lead and facilitate meetings where appropriate and distribute minutes to all team members.
• Develop and maintain the product roadmap, outlining the features and strength to be developed.
• Assist and work on comprehensive plans prepared by Product leads 
• Explore the avenues of Krishala and plan to build up revenue and a productive client base
• Connect with B/FIs for any access to finance strategies and product implementations
• Plan and strategize for multiple product verticals
• Plan how the current system usage can be implemented well, documented and create continuous workflow
• Make decisions for the product, especially for the Product Leads and Operation officer
• Support the implementation of the current products as Forestry sector, Dairy value chain, Tea/Coffee value chain and other product possibilities 
• Undertaking any ad hoc tasks as required
• Report to the Senior Product Manager

 Required Skills and Qualifications:

• Bachelor’s degree in agriculture, business administration, management, or related field. 
• Preferred 3 or more years of experience in related field
• Experience in coordinating with teams and clients with experience in documentation and reporting
• Proven success in a corporate setting, working with all levels of management
• Strong written, verbal, and presentation skills in both Nepali and English
• Worked in grass root level development setting or is interested to work with them
• Has a good knowledge in financing aspect and agriculture sector
• Self motivated with proactive approach and result driven mindset
• Outgoing personality, influencer and a team player
• Comfortable traveling inside valley as well as outside as per required
• Strategic planner with business development and broad mindset to align with Aloi’s bigger vision

Interested candidates can send us their CVs at careers@aloi.global

About the Role: 

An exciting new opportunity awaits you as we are hiring a Product Lead/Manager for Krishala Product at Aloi Private Limited. Krishala focuses on developing and expanding financing access for agricultural value chains. You would be mostly working from our office in Kuleshwor, Kathmandu and go on field visits as necessary.

Key Responsibilities:

• Ability to create effective business strategies and having a business-oriented mindset
• Assisting in the planning, development, and implementation of project related activities. 
• Coordinate on logistic management, training and workshops facilitators and training material preparation, counseling to forest enterprises 
• Maintaining accurate records of project related documents and programs, compiling reports summarizing training outcomes, participant progress, feedback, and any relevant documentation.
• Providing guidance and support to participants regarding credit-related queries or procedures and addressing participant concerns when necessary
• Policy review and the documentations and presentation 
• Project SWOT and cost benefit analysis
• Contributing to quality assurance efforts by identifying areas for improvement and suggesting enhancements
• Manage team and the staffs for on time implementation and project achievements 
• Prepare contracts, agreements documents relevant to respective stakeholders 
• Participating in team meetings, sharing insights, and contributing to overall team success.
• Undertaking any ad hoc tasks as required
• Promotion of sustainable forest based enterprises 
• Pan and execute the market ecosystem for forest based enterprises
• Coordinate on establishing the forest enterprises and technology for micro-enterprises Prepare and execute business plan of forest enterprises 
• Coordinate with local stakeholders, community, forest users, forest enterprises and marginalized groups 
• Identification of  priority interventions in resource management, technology support, market access, financial management, and governance
• Prepare cost benefit analysis, policy and gram formulation and implementation 
• Prepare periodic reports outlining progress, challenges, and achievements

Required Qualifications and Skills

• Master’s degree in Forest Business Management, Forestry, Business Management, Sustainable Development, Biodiversity Management, Environmental science,  or relevant social science discipline (Bachelor degree with 2 years of experience in project implementation can also apply)
• Experience project development, planning and implementation
• Experience working with development partners, local government bodies, local communities, associations and governmental and non governmental bodies 
• Prior experience of working with donor agencies, INGOs, funders and partners
• Preferable to have experience working with the community groups/community forest users group
• Experience in logistic, workshops management and operations 
• Experience/knowledge on gender equality and social inclusion
• Experience in developing business plan and business enterprise model
• Project Monitoring and evaluation experiences 
• Experience in screening, scoping and assessment of development projects or enterprises 
• Proficiency in documentation, proposal writing, report writing and excellent communication skills
• Strong organizational skills and attention to detail
• Abilities to handle multiple task at a time 
• Strong written, verbal, and presentation skills in both Nepali and English
• Self motivated with proactive approach and result driven mindset
• Outgoing personality, influencer and a team player

Interested candidates can send us their CVs at careers@aloi.global. 

About Company

Aloi is a software platform for digitally monitoring loan expenditure and repayment through verified merchants and deposit points. Like an automatic audit, we track financing flows using simple phones and without mobile internet.

Background

Aloi, with the support of the GSMA (Global System for Mobile Communications), has embarked on a significant initiative in collaboration with CDCAN to enhance the dairy value chain through Climate-Smart Agriculture (CSA) training and digital adaptation. This project aims to conduct a series of training sessions and onboard dairy cooperatives to adopt Aloi’s innovative digital technology. The overarching goal is to improve financial literacy and operational efficiency among dairy farmers.

The project will be implemented across five districts in Nepal: Kathmandu, Lalitpur, Kavre, Makwanpur, Chitwan, and Tanahu. These regions represent key areas of focus for enhancing the dairy sector, which is a strong revenue-generating industry for small-scale farmers. Despite its importance, there is considerable room for improvement in streamlining production processes and adopting advanced technologies.

Aloi has been actively involved in the dairy value chain and various agricultural sectors across the country. Through Aloi’s software, the project aims to digitize the financial transactions within the agricultural value chain, thereby enhancing transparency and efficiency. This digital transformation is expected to significantly benefit agricultural entrepreneurs by making processes more efficient and financially viable.

Duties and Responsibilities

• The primary objective of this consultancy is to provide expert guidance and support in the optimization and enhancement of agricultural value chains to improve productivity, profitability, and sustainability.
• The consultant will be expected to perform the following tasks:
  • Conduct comprehensive assessments of current dairy value chain practices in the targeted locations. 
  • Prepare a comprehensive working modality for the dairy value chain. Evaluate the existing systems, processes, and technology used by cooperatives and other stakeholders.
  • Prepare a wholesale and retail lending model and pricing strategy. 
  • Assess the user experience and functionality of the Aloi platform to pinpoint areas for enhancement. Design relevant business models that addresses identified gaps and improves the user performance. 
  • Design a scalability plan to ensure the solutions can be rolled out to a larger number of cooperatives effectively.
  • Filter out the dairy cooperatives to adapt the Aloi system for loan and daily income tracking after we receive a list from CDCAN. 
  • Analyze financial data to understand profitability, cost structures, and financial risks in the agri value chain.
  • Coordinate with local government and private sectors for collaboration opportunities.
  • Develop strategies to ensure the long-term sustainability of the project, focusing on continued digital adaptation.
  • Besides dairy the consultant is also expected to give insights and guidance on other current or future agriculture value chains depending on his work prioritization. 
• The consultant will be expected to provide the following deliverables by the end of the contract:
  • Onboard more cooperatives with better/relevant system features.
  • Insights on better management for the dairy value chain aiming at farmers and dairy cooperatives.
  • Clear and actionable roadmap for stakeholders to follow for improvements.
  • A structured model detailing wholesale and retail lending mechanisms suitable for the dairy sector, including risk assessment and mitigation strategies. 
  • Comprehensive pricing strategies for digital adaptation
  • Improved user experience and functionality of the Aloi platform. 
  • Streamlined implementation process with pre-selected and new cooperatives.

Reporting: 

• The consultant will report to the Chief Product Owner (CPO) and Manager and will work closely with the agriculture department of Aloi.

Required Qualifications and Skills:

• Advanced degree in Agriculture, Agribusiness, Agricultural Economics, or related field.
• At least 5-7 years of professional experience in agricultural consultancy, with a strong focus on value chain development.
• Proven experience in conducting value chain analyses and developing strategic plans for agricultural projects.
• Experience working with local government bodies and have been part of agriculture projects.
• Excellent knowledge of agricultural practices, market dynamics, and the socio-economic aspects of agriculture.
• Utilize previous experience with local government bodies and leverage their networking capabilities for this project.
• Strong facilitation, training, and stakeholder engagement skills.
• Excellent communication and report-writing skills.

Application Process:

Interested candidates can share their updated CVs at careers@aloi.global by 5th August 2024.

Application Deadline – July 20, 2024

Background

An exciting new opportunity awaits you as we are hiring an Associate Product Lead for Krishala Product in a rapidly growing fintech company, Aloi Private Limited. Krishala focuses on developing and expanding financing access for agricultural value chains. Aloi Private Limited is a technology company that builds loan insight software for the wise utilization of resources from different financial institutions. You will primarily work from our office in Kuleshwor, Kathmandu, with necessary field visits.

Main Responsibilities

• Assist in the planning, development, and implementation of dairy sector-related project activities.
• Provide logistical support for project activities, including scheduling and coordinating events.
• Help coordinate logistics management for training sessions and workshops.
• Assist in the preparation of training materials and facilitation of workshops.
• Provide counseling and support to dairy sector farmers and stakeholders as needed.
• Maintain accurate records of project-related documents and programs.
• Assist in compiling reports summarizing training outcomes, participant progress, feedback, and challenges.
• Document and follow up on important actions and decisions from meetings.
• Support coordination efforts with different stakeholders such as dairy cooperatives, vendors, buyers, and borrowers.
• Help prepare contracts, agreements, documents, budgets, and itineraries relevant to respective stakeholders.
• Assist in assessing product risks and issues, providing input for potential solutions where applicable.
• Contribute to identifying priority interventions in resource management, technology support, market access, and financial management.
• Assist in planning and executing the market ecosystem for dairy-based enterprises.
• Provide administrative support as needed, including preparing necessary presentation materials for meetings and training sessions.
• Provide guidance and support to participants regarding credit-related queries or procedures.
• Address participant concerns when necessary, escalating issues to the Product Lead as needed.
• Assist in managing the team and staff to ensure timely implementation and project achievements.
• Maintain open communication with team members and stakeholders.
• Undertake any ad hoc tasks as required to support the Product Lead and project goals.

Qualification and Other Requirements

• Bachelor’s degree in Business Management, Agriculture, Environmental Science, IT, or a relevant discipline.
• 1+ years of experience in project implementation.
• Prior experience working with donor agencies, INGOs, funders, and partners is an advantage but not mandatory.
• Preferable to have experience working with dairy sector stakeholders and farmers.
• Experience in business plan development and enterprise model creation.
• Proficiency in documentation, proposal writing, report writing, and excellent communication skills.
• Smooth adaptation ability to new technologies (tech-savvy is preferred)
• Strong organizational skills and attention to detail.
• Ability to handle multiple tasks simultaneously.
• Strong written, verbal, and presentation skills in both Nepali and English.

Remuneration will depend on your experience level, ranging NRs. 20,000 – 25,000/- per month. The employment period starts as soon as possible. 

Send us your CV and cover letter at careers@aloi.global. Applications will be accepted on a rolling basis.

Position: Product Lead (Krishala / Dairy)

Employment Type: Full-Time

Work Station: On-Site / Kuleshwor, Kathmandu

Offered Monthly Salary: 25,000/- to 30,000/-

Working Hours: 9:30am to 5:30pm / Sunday – Thursday

About the Role: 

An exciting new opportunity awaits you as we are hiring a Product Lead for Krishala Product at Aloi Private Limited. Krishala focuses on developing and expanding financing access for agricultural value chains. You would be mostly working from our office in Kuleshwor, Kathmandu and go on field visits as necessary.

Key Responsibilities: 

• Assisting in the planning, development, and implementation of Dairy sector related project activities. 
• Coordinating on logistic management, training and workshops facilitation and training material preparation, counseling to dairy sector farmers and stakeholders. 
• Maintaining accurate records of project related documents and programs, compiling reports summarizing training outcomes, participant progress, feedback, challenges and any relevant documentation.
• Assess product risks and issues and provide solutions where applicable.
• Coordinating with different stakeholders like dairy cooperatives, vendors, buyers and borrowers. 
• Identifying  priority interventions in resource management, technology support, market access and financial management. 
• Preparing contracts, agreements documents, budget and itinerary relevant to respective stakeholders
• Providing guidance and support to participants regarding credit-related queries or procedures and addressing participant concerns when necessary
• Planning and executing the market ecosystem for dairy based enterprises. 
• Documenting and following up on important actions and decisions from meetings.
• Preparing necessary presentation materials for meetings and training sessions
• Providing administrative support as needed.
• Leading and facilitating meetings where appropriate and distributing minutes to all team members.
• Managing team and the staffs for on time implementation and project achievements 
• Undertaking any ad hoc tasks as required.

Required Skills and Qualifications: 

• Master’s degree in Business Management, Agriculture, Environmental Science, IT,  or relevant discipline (Bachelor degree with minimum 2 years of experience in project implementation are encouraged to apply)
• Experience project development, planning and implementation
• Prior experience of working with donor agencies, INGOs, funders and partners is an advantage (not mandatory)
• Preferable to have experience working with the dairy sectors stakeholders and farmers
• Experience in developing business plan and business enterprise model
• Experience in screening, scoping and assessment of development projects or enterprises 
• Proficiency in documentation, proposal writing, report writing and excellent communication skills
• Smooth adaptation ability to new technologies
• Strong organizational skills and attention to detail
• Abilities to handle multiple task at a time 
• Strong written, verbal, and presentation skills in both Nepali and English

Interested candidates can share their CVs at careers@aloi.global.