At D&B, you have the power to make a real impact. We passionately believe that a great team is greater than the sum of its parts. Recruiting talented individuals is only part of the story. It's how we challenge, encourage, develop and combine our talent that makes the difference. We believe we have a world class company because not only do we recruit great individuals, we provide an environment which enables them to develop new skills and gain feedback on their contribution as team members. This investment in our people is not altruistic – it is an investment in our brand and our business. As a result our employees feel valued, perform better, and stay longer.
We take development seriously at all levels, and provide career opportunities which literally span the globe. Our ambition at Dun & Bradstreet Credit Bureau Limited Ghana is to build an ever more agile, customer and quality focused business. We can only do this with a team which is ambitious for success, is comfortable being stretched, and which collectively enjoys the journey. We are prepared to invest in that – we hope you are too.
We value the diversity of perspectives that results from a variety of life experiences, ethnicity, age, gender and all cultural backgrounds. Ours is a culture where all associates are able to grow, develop and contribute to their fullest. At D&B, we believe people's differences are our strengths, their ideas, our assets. It just makes good business sense: a company where people feel included and valued is a company that is ready to solve its customers' business challenges. We're always striving to be a better company to work for, and a better company to do business with.
If you are interested in becoming a part of our winning team, send your CV with a note on why we should select you to firstname.lastname@example.org
At Dun and Bradstreet, we understand that getting access to credit and good credit information are some of the biggest challenges individuals and businesses face. That is why we have designed our products and services to help you overcome these challenges and make better business decisions.
So, it does not matter if you are an individual seeking to improve your creditworthiness or, a financial intermediary looking for ways to optimize your lending and proactively manage the risk of doing business, you will find our products and services very valuable.
Our suite of products and services include:
Lending to private individuals can be a challenging process. Without sufficient and reliable information on the credit applicant’s true identification, loan repayment history and, employment status, doing business could be risky. Our Consumer Credit Information Reports provide the most up-to-date information about individuals and their financial experiences. Thus, enabling you gain insights that help you identify creditworthy applicants and better manage the risks of doing business.
Dun and Bradstreet Credit Information Report on commercial (or non-individual) credit seekers, provides information on the credit status of commercial entities, the number of loans to which they are exposed and the guarantors of such loans (if any).
Data sourcing is the anchor of our business and we understand this very clearly at Dun & Bradstreet. That is why we apply the most stringent procedures in gathering, analysing and converting all data collected, into a format that is reportable, clear concise and true. To guarantee that our sources remain uncompromised, we routinely apply our data-audit procedure to sources of our data. We do all these so that you can decide with confidence. Sources of our data will include:
Success in business comes from doing many things right but most importantly, it comes from having the right advisors and partners. At Dun & Bradstreet, we consider ourselves your success partners. We offer advisory services that are bespoke to your business needs and that won’t create a hole in your wallet. Without specific limits, our consultancy services include:
A Credit Bureau is an organization that compiles information relating to the identity, public record, legal history, credit transaction and credit history of Individuals and Commercial Entities.
A Credit Bureau is an essential element of the country’s financial infrastructure as it facilitates access to finance. Credit Bureaus assist in a stable financial sector, by providing better credit availability and improving credit risk management, in addition to providing sound information on the health of the financial sector. It also decreases information asymmetry between borrowers and lenders (the fundamental issue where the borrower knows the likelihood of repaying his or her debts much better than the lender does).
The Credit Bureau provides this information to contracted, eligible subscribers, in the form of Credit Information Reports pertaining to Individual and/or Commercial borrowers.
Depending on the regulatory environment, the availability of and willingness to share credit information by data owners and the technological maturity of the market, the following types of Credit Bureaus may be established:
Negative credit information only
Negative and Positive credit information
A Credit Bureau is characterized by the following:
It does not make the decision whether to grant or decline an application for credit. It focuses primarily on supplying factual credit related data to lenders, to be incorporated into their credit assessment process in combination with the lenders internal credit policies and rules
A Credit Bureau is not a provider of a ‘Blacklist’ or a ‘Negative List’ of borrowers. Although some Credit Bureaus may start from the point of collecting default (negative) data only, the intention is to move to collecting a comprehensive view (positive and negative data) of an Individual’s or Commercial Entity’s credit history
Data Providers (also called Members) contribute credit information pertaining to their borrowers on a regular basis, usually monthly. The data received by the Credit Bureau is validated prior to it being loaded into its system. Over time the credit history of the borrowers is built, providing a rich source of factual credit utilization and repayment performance data which is very indicative of credit behavior
A Credit Bureau may also collect data from Public or Third Party sources such as address data, national identity data, voters or electoral rolls data. This data is typically used for verification or fraud prevention. Courts’ judgment (suits) data may be used in the credit granting process since it is indicative of the financial standing of the borrower
In principle, the Credit Bureau manages the data and does not alter data records received from Members or third parties, unless this is done with their express permission. This activity is strictly controlled and closely audited
Use of a Credit Bureau services allows Members to review lenders credit utilization, their level of indebtedness as well as their commitment to repaying their credit obligations including missed or erratic payments, as well as identifying willful defaulters or possible fraud
A Credit Bureau enables the confidentiality of Members’ data as well as the data privacy of borrowers
The following are some of the benefits of having a Credit Bureau:To Lenders
Fundamental operating principles underpin the successful functioning of any Credit Bureau. These operating principles are:The Principle of Reciprocity
In order for a Credit Bureau to be successful the following key factors must exist:
One of the fundamental principles underpinning the successful operation of any Credit Bureau is efficient dispute handling. Credit Bureaus invest a lot of time and money in order to provide state-of-the-art quality and validation processes for any data received from a lender or data provider.
Since lenders make critical decisions based on the Credit Information Report received from a Credit Bureau, it speaks for itself that the information contained therein should be factual and correct. Should a borrower believe that there is an error in their Credit Information Report, he/she must approach the Credit Bureau to register a dispute.
The borrower should follow the below process in order to register a dispute: