Key Responsibilities

Loan Processing & Credit Management

• Manage the full loan lifecycle – from application, appraisal, approval follow-up, disbursement, to monitoring.
• Ensure all loans meet credit policy standards and are processed within defined turnaround times.
• Maintain proper documentation and loan files for audit readiness.

Collections & Portfolio Health

• • Monitor repayments and aging reports to reduce default rates and enhance portfolio quality.
  • Follow up on delinquent accounts through reminders, field visits, and customer engagement strategies.
  • Work closely with recovery teams to escalate and resolve non-performing loans.
  • Generate monthly branch portfolio performance reports and insights.

Client Relationship Management

• Build and maintain strong relationships with individual and group clients to foster loyalty and repeat business.
• Offer financial guidance and support clients in understanding loan terms, repayment schedules, and financial planning.
• Resolve client complaints promptly and professionally, ensuring a high level of customer satisfaction.

Branch Operations & Compliance

• Oversee daily operations of the branch, ensuring compliance with internal controls, SOPs, and regulatory requirements.
• Ensure accurate record keeping and reconciliation in line with company policy.
• Supervise and support branch staff to meet performance targets and client expectations.

Business Growth & Community Engagement

• Participate in marketing campaigns in the branch
• Contribute to the development and execution of branch-level sales and client acquisition strategies.

Who We’re Looking For

Minimum Qualifications

• A Diploma or Degree in Business Administration, Finance, Microfinance, Economics, or a related field.
• 3+ years of hands-on experience in microfinance, SACCO, or banking, preferably in a credit/loan officer or relationship management role.

Key Competencies

• Strong understanding of loan processing, credit risk, and client appraisal techniques.
• Proven ability in collections, portfolio monitoring, and reducing delinquency.
• Customer-centric mindset with excellent communication and interpersonal skills.
• High levels of integrity, professionalism, and accountability.
• Proficient in MS Office.
• Fluency in English and Kiswahili

Why Join Us?

• • Be part of a mission-driven financial institution focused on improving livelihoods through accessible credit.
  • Work in a dynamic environment that values initiative, learning, and personal growth.
  • Competitive compensation and performance-based incentives.