Microfinance Jobs in Nairobbi, Kenya - Mwananchi Credit

Operations Manager


Responsibilities
·         Provide advice on all operational issues to the Directors and General Manager
·         Responsible for delivering budgeted results of Branches.
·         Co-ordinate the activities of all branches and handle all operational issues.
·         Prepare monthly and other periodic operational reports for management.
·         Liaise with the Finance manager to ensure timely preparations of annual budget, quarterly budget review, business plans and operational plans.
·         Develop business relationship with potential customers as well as existing customers with the view to strengthening the Company’s customer relationship base
·         Analyze the business environment and make recommendations on the development of new products and enhance existing products to grow the Company’s customer base and outreach.
·         Develop strategies to minimize customer complaints and suggest ways of managing the public image of the Company.
·         Achieve business growth & profitability targets of the Company.
·         Monitor and evaluate the branches performance to generate a healthy portfolio on a monthly basis, including client satisfaction metrics.
·         Supervise the field operations team comprising of all product Managers, Branch Managers, Loan Officers and Customer Care Officers to ensure they perform their duties optimally.
·         Ensure organizational quality through review, update, implementation and adherence to agreed policies, procedures and manuals.
·         Oversee credit risk framework, implement credit strategies, policies and procedures in line with the company’s corporate strategy and ensure compliance.
·         Implement a 5 year strategic plan focusing on increasing the outreach of the Company through the opening of new branches, growth of the existing branches and development of new credit and non-funded products.
·         Manage and oversee office services functions including office equipment, supplies and vendors.
·         Office Administration Management
·         Update and maintain operations manuals.
·         Follow up for collection of loan repayments in line with the collection team.
·         Maintain a good quality loan book with PAR below 5%.
·         Any other duties and responsibilities which may be assigned from time to meet the objectives of the Company
Qualifications
·         Degree in Business Administration, Operations Management or equivalent professional qualification.
·         At least 2-3 years’ experience in banking or a micro lending company.
·         High level of numeracy to evaluate complex statistical financial information.
·         Strong managerial, business development, analytical and research skills
·         Strong leadership qualities with a proactive, results- oriented and a positive disposition.
·         Excellent oral, written communication and presentation skills
·         Willingness to work on flexible scheduling.
·         Required Personal Attributes
·         Good interpersonal and strong team building skills

Sales & Marketing Manager
Responsibilities
·         Formulate marketing strategies and plans that meet the objectives of the business.
·         Monitor team activities, working relationship and reinforce positive attributes.
·         Identify new markets and plans that meet the objectives of the company.
·         Carrying out market research and analysis of market trends, customer satisfaction and product development.
·         Generating marketing promotional tools for advertising purposes.
·         Spearheading the company’s marketing activities and leading the marketing team in achieving its objectives.
·         Preparing market plans and forecasts.
·         Preparing monthly reports on sales and marketing.
·         Coordinate all the branch marketing activities.
·         Coordinate the customer care function to ensure that customers are served in an exemplary manner.
·         Study implication of press and other information to the sustainability of the company and advise management accordingly.
·         Ensure that marketing activities are within budget.
·         Ensure the set up targets on business development are met.
·         Work hand in hand with the management team in ensuring smooth operations of the company.
·         Promotion of the company’s services and image.
·         Recruitment and training of sales agents/team for all the branches in line with the branch managers.
·         Manages the team to achieve the target of sales number and profit.
·         Collaborates with the managing director in establishing and recommending sales and marketing strategies for the company.
·         Review weekly and monthly sales result and take a necessary action for sales measure and marketing with the market analysis.
·         Handles the customer’s properly to increase Customer satisfaction and manages the customer’s claim in a proper way.
·         Follow up the prospects of sales staff through the system and give a proper advice.
·         Any other duties and responsibilities that may be assigned from time to time by management.
Qualifications
·         Degree in Business Administration, Sales and Marketing or any other business related field
·         Have a minimum of 3 years’ experience in Sales and Marketing in a microfinance institution or a bank.
·         Experience in leadership, should demonstrate the ability to build and motivate a team.
·         Well-spoken with excellent communication skills.
·         Should have experience in developing marketing and sales strategies, excellent analytical skills and the ability to quickly understand and process sales data.
·         Should be highly motivated to achieve the target.
·         Excellent verbal and written communication skills.

Branch Manager
Mwananchi Credit Company invites applications from dynamic, goal-oriented, high performers from qualified individuals to fill in a position of Manager in their Nairobi Office.
Responsibilities
·         Direct all operational aspects including operations, customer service, human resources, administration and sales.
·         Development of new products relevant to the branch.
·         Bring out the best of branch’s personnel by providing training, coaching, development and motivation.
·         Responsible for all the operations of the branch.
·         Train the branch team on new products, marketing and portfolio management.
·         Marketing existing and new micro-finance products in line with the BDM.
·         Handle a supervisory role over the relationship officers in the branch.
·         Responsible for branch set targets on the loan book.
·         Responsible for the individual targets on growth of the loan book.
·         Ensure 100% compliance to the policies and Procedures on credit department.
·         Ensure high standards of Customer Service are maintained within the branch.
·         Provide leadership on credit appraisal and evaluation.
·         Responsible for loan origination, sanctioning and disbursal.
·         Post disbursement loan management including follow-up and collections.
·         Security perfection-land valuation and charge processes, motor vehicle joint registration and chattel mortgage and registration processes.
·         Portfolio management of own and branch portfolios.
·         Maintaining of a quality portfolio by ensuring maintenance of PAR levels at optimum.
·         Give detailed report on the progress of the branch both daily, weekly and monthly.
·         Active collaboration with various stakeholders to meet business objectives.
·         Represent the branch in external and internal forums.
·         Share knowledge with other branches and headquarters on effective practices, competitive intelligence, business opportunities and needs.
·         Stay abreast of competing markets and provide reports on market movement and penetration.
Qualifications
·         Bachelor’s degree in Business Administration or equivalent from a recognize institution.
·         Atleast 3-4 years’ experience in banking or a micro lending company.
·         Proven branch management experience.
·         Sufficient knowledge of modern management techniques and best practises.
·         Ability to meet sales targets and production goals
·         Excellent organizational skills
·         Results driven and customer focused
·         Willingness to work on flexible scheduling.
·         Required Personal Attributes
·         Good interpersonal and strong team building skills

Operations Manager
Responsibilities
·         Provide advice on all operational issues to the Directors and General Manager
·         Responsible for delivering budgeted results of Branches.
·         Co-ordinate the activities of all branches and handle all operational issues.
·         Prepare monthly and other periodic operational reports for management.
·         Liaise with the Finance manager to ensure timely preparations of annual budget, quarterly budget review, business plans and operational plans.
·         Develop business relationship with potential customers as well as existing customers with the view to strengthening the Company’s customer relationship base
·         Analyze the business environment and make recommendations on the development of new products and enhance existing products to grow the Company’s customer base and outreach.
·         Develop strategies to minimize customer complaints and suggest ways of managing the public image of the Company.
·         Achieve business growth & profitability targets of the Company.
·         Monitor and evaluate the branches performance to generate a healthy portfolio on a monthly basis, including client satisfaction metrics.
·         Supervise the field operations team comprising of all product Managers, Branch Managers, Loan Officers and Customer Care Officers to ensure they perform their duties optimally.
·         Ensure organizational quality through review, update, implementation and adherence to agreed policies, procedures and manuals.
·         Oversee credit risk framework, implement credit strategies, policies and procedures in line with the company’s corporate strategy and ensure compliance.
·         Implement a 5 year strategic plan focusing on increasing the outreach of the Company through the opening of new branches, growth of the existing branches and development of new credit and non-funded products.
·         Manage and oversee office services functions including office equipment, supplies and vendors.
·         Office Administration Management
·         Update and maintain operations manuals.
·         Follow up for collection of loan repayments in line with the collection team.
·         Maintain a good quality loan book with PAR below 5%.
·         Any other duties and responsibilities which may be assigned from time to meet the objectives of the Company
Qualifications
·         Degree in Business Administration, Operations Management or equivalent professional qualification.
·         At least 2-3 years’ experience in banking or a micro lending company.
·         High level of numeracy to evaluate complex statistical financial information.
·         Strong managerial, business development, analytical and research skills
·         Strong leadership qualities with a proactive, results- oriented and a positive disposition.
·         Excellent oral, written communication and presentation skills
·         Willingness to work on flexible scheduling.
·         Required Personal Attributes
·         Good interpersonal and strong team building skills

Human Resource Manager
Responsibilities
·         To conduct recruitment activities for the business to ensure the required headcount is achieved and high quality staff are employed within agreed budgets to meet the needs of the business.
·         To take the lead on employee induction and on-boarding.
·         To maintain data on HR and payroll database including input of starters, leavers’ employee and organizational changes to ensure data is timely and accurate.
·         To maintain professional electronic and paper records to satisfy procedures and statutory requirements. To regularly review the records to ensure that they are accurate and up to date.
·         To advise managers and staff on all aspects of company’s terms and conditions.
·         To take the lead on leave management.
·         To administer the probation process and records and deal with performance issues as they arise.
·         Responsible for developing and administering various human resources plans and procedures for all company personnel.
·         Planning, organizing and controlling all activities of the department.
·         Participating in development goals, objectives and systems as well as maintaining organizational charts and employee directory.
·         In line with the HR policies and procedures, implementing and annually updating the compensation program, rewriting job descriptions, conducting annual salary surveys, analyzing compensation and monitoring the performance evaluation program.
·         To undertake exit interviews for voluntary leavers of the business to understand the reasons for leaving and communicate to the relevant parties for appropriate action to be taken.
·         To liaise with the payroll accountant to ensure that information is collated in a timely manner to meet payroll deadlines.
·         To undertake HR projects and proactively research to enable the management make informed decisions.
·         Develop and maintain human resources systems that meet personnel information needs.
·         Conduct full-cycle recruitment of new employees, including placing advertisements, developing contacts with recruiting sources, interviewing, consulting with internal hiring managers and managing orientation and on-boarding process.
·         Perform any other duties and responsibilities that may be assigned from time to time by management.
Qualifications
·         Bachelor’s Degree in HR or any relevant field from a recognized institution.
·         2-3 Years proven working experience in human resources.
·         Member of the IHRM will be an added advantage.
·         Knowledge of HR systems and policies.
·         Ability to architect strategy along with leadership skills.
·         Excellent active listening, negotiation and presentation skills.
·         Competence to build and effectively manage interpersonal relationships at all levels of the company.
·         In-depth knowledge of labor laws and HR best practices

Collections Manager
Responsibilities
·         Overall responsibility for collections performance of the entire business.
·         Leading and motivating the collections team in order to achieve collections target.
·         Implementation and maintenance of a set of comprehensive Credit Risk Policies and Procedures.
·         Introduce and evolve effective operations and reporting assessment tools to minimize risk and proactively identify problem areas.
·         Run reports and analyze data pertaining to the department and share with management on daily, weekly and monthly.
·         Monitor the progress of all defaulters and take timely steps to contain the situation as per the credit policy.
·         Managing relationships with the units in order to reduce exposure to potential bad debt.
·         Manage and participate in field collections with the collections team.
·         Liaise with collection agencies and the Units/Satellites in the collection and mitigation of None Performing Loans.
·         Recruit, hire, train and evaluate staff members within the collections department to ensure a sufficient number of staff members are available to handle the workload in liaison with Human Resource Manager.
·         Oversee the collection of outstanding credit to minimize profit loss while ensuring it is handled appropriately and per company’s policy.
·         Ensure a good quality loan book is maintained with PAR below 5%.
·         Evaluate the credit worthiness of client by using the Company’s guidelines.
·         To systematically and aggressively follow-up current non-performing and unsatisfactory accounts order to reduce exposure and maintain loss experience to a minimum.
Qualifications
·         Degree in Finance, Economic or equivalent business related field.
·         At least 3 to 4 years’ work experience in banking or micro lending Company.
·         Strong leadership qualities with proactive, results- oriented and a positive disposition.
·         Experience working in a microfinance institution is an added advantage.
·         Ability to perform multiple tasks simultaneously, employing effective time management and organizational skills.
·         Ability to work independently and as a team to meet deadlines, goals and objectives.
·         Excellent communication skills, both verbal and written.
·         Strong client service orientation.
·         Willingness to work on flexible scheduling.
How to Apply
All cv’s be sent to hr@mwananchicredit.com

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