Banking Jobs in Kenya - Micro Finance

A fast

growing Micro Finance Institution is urgently seeking to fill in the positions

outlined below

Position: 

Business

Development Officers
 

Reporting

to: Branch

Manager
 

Other

Relationships: Marketing,

Credit, Customer Service, HR, Finance & IT

Job Description Summary: You

will be responsible for managing business development in a designated

territory;  Gaining new clients as well as maintaining existing ones,

development of new loans, prompt payment of loans, design and implement control

measures and monitoring plans for compliance and operation risk management.

Roles

and Responsibilities

• Development
  
  of new loan with a weekly target Achieve volume and Value targets in order
  
  to contribute to the overall goals of the MFI.


• Building
  
  a sound relationship with company business partners, vendors and
  
  Customers.


• Creating
  
  new business opportunities( seek new clients)


• Loan
  
  assessment, appraisals and approvals


• Develop
  
  a good marketing plan for the company’s products and business.


• Ensure
  
  prompt loan repayments’ and recoveries.


• Creation
  
  of financial projections for growth and profitability.


• Track
  
  and analyze micro finance & economic trends and make any
  
  recommendation to the MFI


• Analyze
  
  applicant’s financial status, credit and property evaluations to determine
  
  feasibility of granting loans.


• Review
  
  and update credit/loan files


• Liaison
  
  with other service providers


• Gathering
  
  marketing intelligence


• Analyze
  
  potential loan markets and develop referral networks in order to locate
  
  loans.

Minimum

qualifications, experience & competencies required:

• Min
  
  of Diploma in a business related field.


• Experience
  
  in a similar position in a reputable micro finance institution or a bank
  
  is a must


• Good
  
  negotiation skills


• Ability
  
  to maintain confidentiality, tact and discretion when dealing with people
  
  and records.


• High
  
  integrity and dependability.


• Ability
  
  to build and maintain productive working relationships in a
  
  multi-functional environment.


• Strong
  
  presentation skills including excellent oral communication skills, passion
  
  to make yourself understood and engaging in a pleasant way.

Position: Unit Managers
 

Reporting

to: Credit

Operations Manager
 

Other

Relationships: Marketing,

Credit, Customer Service, HR, Finance & IT

Job Description Summary: Reporting

to the Credit Operations Manager, The Unit Manager through teamwork will be

responsible for business growth, service delivery, compliance and ensuring

efficient day-to-day operations of the branch. 

Roles and Responsibilities

• Growing
  
  and managing a quality loan portfolio.


• Preparation
  
  and implementation of annual branch budgets and business development
  
  plans.


• Achievement
  
  of branch profitability and cost control objectives


• Promotion
  
  & marketing of the Institution’s products and services


• Enforce
  
  implementation of laid down policies and procedures for Credit operations
  
  and staff discipline.



• Monitor
  
  loan assessment, appraisal and approvals at the branch


• Ensure
  
  loan repayments and recoveries are within stipulated timelines and as per
  
  policy guidelines.


• Ensure
  
  supervision, appraisal, coaching, motivation and development of all branch
  
  staff and recommending appropriate training needs.


• Working
  
  with third party service providers to deliver superior service to all
  
  customers.


• Marketing
  
  intelligence and reporting to understand competitor activity in the
  
  assigned area.


• Ensure
  
  provision of high quality services to all customers in a timely manner.


• Manage
  
  relationship with all stakeholders to ensure positive image of the
  
  institution is maintained.

Minimum

qualification and experience required:

• Diploma/Degree
  
  in business/Finance/Social Science related field. An MBA is an added
  
  advantage.


• Lending
  
  and relationship management experience to create a balance between credit
  
  risk and customer service.


• At
  
  least three (3) years’ experience as a branch/unit manager in credit
  
  function of a financial institution handling Micro and SME clients.


• Have
  
  an excellent interpersonal, organizing and people management skills.


• Excellent
  
  communication and presentation skills, with outstanding reporting skills.


• High
  
  integrity and professionalism.

Position: Debt Collection Officer
 

Reporting

to: Finance

Manager
 

Other

Relationships: Marketing,

Credit, Customer Service, HR, Finance & IT
 

Role

Profile: The

Credit Operations Officer – Your will be responsible for end to end collections

and recoveries for unsecured debt as well as initiating legal action on secured

debt. 

This

is a varied role and you will need to have a good understanding of

litigation. 

You

will work closely with a small professional, but fun team in an engaging

culture with low turnover. You will be pro-active with your ability to solve

problems and look at issues holistically. 

There

are also opportunities for career progression in this role.

Key Responsibilities;

• Initiate
  
  legal action (default notices) where necessary for both secured and
  
  unsecured debt.


• Complete
  
  legal action on all unsecured debt.


• Liaison
  
  with our vendors.


• Arrange
  
  payment of all invoices not limited to property consultants, Lawyers,
  
  Accountants, Valuers


• Responsible
  
  for outsourcing written off files to external collections agencies


• Responsible
  
  for payment and maintaining register of all payments made by external
  
  collections agencies


• To
  
  be successful in this role you will have proven collections/recoveries
  
  experience ideally from the banking/Micro finance industry. Further, your
  
  skills will include:


• Experience
  
  in early stage collections– secured and unsecured debts


• Sound
  
  knowledge of industry changes and legislative requirements


• Ability
  
  to manage complex business banking customer connections on a day to day
  
  basis


• Strong
  
  negotiation and customer service skills


• Driving
  
  both Vehicles and motor bikes


• Strong
  
  data entry and high attention to detail


• Ensure
  
  excellent customer service delivery and customer delight in all Branches.

Minimum

qualifications, experience & competencies required:

• Diploma
  
  in Business Management, Administration or Social Science from a reputable
  
  University.


• Fully
  
  conversant with micro-credit and SME lending in the Kenyan business
  
  environment. 


• Ability
  
  to maintain confidentiality, tact and discretion when dealing with people
  
  and records.


• Demonstrable
  
  People Management experience in a lending environment.  


• High
  
  integrity and dependability.


• Ability
  
  to build and maintain productive working relationships in a
  
  multi-functional environment.


• Minimum
  
  2 years experience in a Credit collection position gained from a Banking
  
  or Financial Institution with demonstrable ability in providing guidance
  
  in all areas of credit operations including processes, systems &
  
  models.


• Strong
  
  presentation skills including excellent oral communication skills, passion
  
  to make yourself understood and engaging in a pleasant way.


• People
  
  Management skills a must.

 
If you believe you can clearly demonstrate your abilities to meet the criteria

given above, please submit your application with a detailed CV, stating your

current and expected remuneration, quoting the job tittle in the subject field

to kalekyen@granarycapital.com. 

Deadline

of application is May 7th 2016. 

Only shortlisted candidates will be contacted.