Specifically, the successful jobholder will be required to:


Conduct special audits as required, leveraging on Computer-Assisted Audit Tools (CAATs) such as, Python, ACL, and SQL Developer to efficiently extract, transform, and analyze large volumes of data
Identify opportunities to automate audit procedures and develop scripts to enhance Robotic Process Automation (RPA) for improved... efficiency and accuracy.
Design, implement, and maintain data analytics models and scripts to support continuous auditing and monitoring activities.
Collaborate closely with audit teams to understand specific audit requirements and translate them into effective data analytics and automation solutions
Conduct comprehensive penetration tests on the bank’s web, mobile banking, and other operational applications, networks, and ICT systems to evaluate the effectiveness of the implemented cybersecurity framework.
Evaluate compliance with IT security policies, standards, and regulatory requirements across business units and ICT infrastructure.
Stay up to date with emerging cyber threats, vulnerabilities, and regulatory developments in the cybersecurity landscape.
Perform independent threat and vulnerability assessment tests and report on cyber risks and controls of the ICT systems within the bank and other related third-party connections.
Test the adequacy and effectiveness of control measures on information systems, operational processes, credit, department operations and recommend corrective measures to be undertaken in areas of weakness.
Utilize extensive understanding of business activities to recommend scope and objectives of assigned audits, execute audit procedures, perform detailed analyses, reach sound conclusions, and document results for assigned audit activities.
Ensure that all instances of significant risk or lack of control are properly identified, all findings are factually based& reported, with pragmatic & balanced recommendations & reports delivered in a timely manner.
Actively participate in discussing audit findings and recommendations with line managers of the areas under review.
Facilitate the communication of audit results and special projects via written reports and oral presentations to management.
Assist in the annual risk assessment process and generation of annual audit plan.
Assist in training/mentoring staff and develop and maintain the skills, knowledge and expertise to make valuable contribution to the internal audit team.


Skills, Competencies and Experience

The successful candidate will be required to have the following skills and competencies:


Bachelor’s degree in information systems or computer science from a recognized university. Possession of an MSc or other relevant postgraduate qualifications will be an added advantage.
Experience with intelligent technology integration, including machine learning (ML) using Python or R, AI and natural language processing (NLP) and familiarity with audit automation tools such as ACL Robotics.
Professional certification in IT Audit, Risk and Security e.g. CISM, CISSP, CISA, CRISC
Excellent understanding of auditing concepts and practices with a minimum of 3 years’ experience in management role in IT and operations or IT and operation audit.
Skilled in project management and maintaining composure under pressure while meeting multiple deadlines.
Demonstrable knowledge in risk assessment and control concepts/methodologies.
Skilled in negotiation and conflict management to resolve problems that may arise during an audit.
Excellent oral and written skills; a strong verbal communicator, analytical writer and able to clearly and concisely convey personal observations of processes, risks and controls.
Excellent analytical ability both qualitative and quantitative to draw sound conclusions coupled with demonstrated knowledge and proper application of sampling techniques.
Excellent attention to details and organizational skills. more

Key Roles and Responsibilities

The office holder will be responsible for the following:


Develop and enforce HR policies and strategies to support organizational goals.
Foster positive employee relations to boost productivity, encourage inclusivity, and maintain a thriving work environment.
Ensure compliance with government laws, Sacco policies, and industry standards, addressing... violations to uphold trust and accountability.
Design performance and development programs that align with the Sacco’s objectives, driving employee growth and success.
Oversee HR functions, including hiring, onboarding, training, performance reviews, and retention, while analyzing exit interviews for improvement.
Create and execute HR plans and workforce development initiatives.
Maintain accurate HR records, using data insights to enhance operational efficiency.
Propose innovative HR policies and best practices to improve human capital management.
Prepare monthly HR reports and provide strategic recommendations to the Chief Operating Officer and the CEO quarterly.


Required Qualifications & Experience

Academic & Professional Requirements

For appointment to this position, a candidate must have:


Bachelor’s degree in Human Resource Management or a related field from an accredited university.
Certified HR professional with active membership in a recognized HR body (minimum: IHRM membership).
3+ years of HR and administrative experience in a financial institution.
In-depth knowledge of labor laws and employment regulations.
Minimum KCSE grade of C (or equivalent).


Key Competencies & Skills


Strong leadership skills with a track record of motivating teams to achieve business objectives.
Excellent communication skills, able to articulate HR policies and strategies clearly at all levels.
Relationship-building abilities, with strong emotional intelligence and conflict-resolution skills.
Proficiency in Microsoft Office (Word, Excel, PowerPoint) for documentation, data analysis, and reporting.
Experience with HR software for managing employee records, performance tracking, and process automation. more

SACCO MANAGER REF: (CBI/SM/08/25)

Key Responsibilities

Reporting to the Board of Directors, the job holder will be responsible for day-to-day Sacco operations including but not limited to:  


The implementation of and adherence to the prescribed policies, procedures and standards.
Ensuring that systems have been established to facilitate efficient operations and... communication.
Ensuring that strategies are developed and employed to facilitate achievement of targets and objectives.
Overseeing Human Resource Management and Development.
 Ensuring compliance with all statutory and regulatory requirements of the Sacco & be able to propose changes to the Board such as Sacco Societies ACT, By-laws and Cooperative rules.
Providing support to the Board of Directors by organizing all Board and Sub Committee meetings, Annual and Special General Meetings and Supervisory meetings as and when required.
Keeping minutes of all general meetings and meetings of the Board of Directors
Advising the Board of Directors in formulating, preparing and implementing long term policies and programs of the society through board papers and technical reports as appropriate.
Performing such other duties as may be directed by the Board of Directors.


Qualifications & Experience


Bachelor’s Degree in a Finance-related field or its equivalent, preferably B. Com/BBM (Finance/Accounting). 
A minimum Accounting professional of CPA (K).
A Diploma in Co-operative Management will be an added advantage.
Must have at least 5 years work experience as a Supervisor or Manager in a reputable Sacco or other related Financial Institutions.


General Requirements 


Excellent interpersonal skills, innovative and Self driven;
Excellent verbal and written Communication and presentation skills;
Good time management skills;
Strong team leadership and mentorship skills;
Good grasp of IT and computer skills;
Ability to prepare and maintain management accounts and financial statements for the society including budgets in accordance with IFRS and other accounting guidelines;
Able to manage the Sacco Cash flows and cash flow forecast;
Able to analyse problems and provide effective solutions.


Personal Attributes and Attitudes


Should have high integrity and be able to maintain confidentiality
Is self-driven and innovative;
Have strong analytical and problems solving skills;
Ability to anticipate potential problems, determine and implement solutions;
Able to pay close attention to details;
Ability to be flexible, use initiative, self-evaluate and to work independently under little or no supervision more

The Role

The successful jobholder will be expected to:


Provide strategic leadership and administration for employee total rewards and propose innovative strategic initiatives in employee compensation and benefits and other related HR services.
Lead strategic initiatives designed to ensure long-term process improvement, cost reductions, and increased efficiencies.
Oversee the... establishment of key Service Level Agreements, quality targets and Key Performance Indicators. Understand varying business needs and priorities; align HR operation priorities and ensure stakeholder expectations are met.
Collaborate with key stakeholders and related key departments on total rewards design, performance, employee experience improvements and operational excellence including quality assurance
Lead the research, preparation, modeling and communication of annual HR services hub plans, analyze projections and monitor expenditures before final approval by senior management. 
Keep abreast of current and developing trends related to HR Shared services hubs in order to continuously improve and provide subject matter expertise
Direct staff communications and education campaigns related to benefits with a view to improving employee experience, operational efficiencies and implement opportunities for cost savings.
Oversee the compensation administration and the benefits administration functions to ensure proper benchmarking, research and market competitiveness on the HR hub services offered by the bank
Drive operational performance and service excellence within the HR Shared Service team and monitor performance of the team against performance/quality standards defined.
Provide support and guidance to HRBPs, HR Specialist functional areas, managers and employees on internal procedures and process related to the different HR services and processes. Work with business leaders and HR Leads to utilize the HR service delivery capabilities at their fullest potential
Partner with other HR areas to promote education efforts that drive employees and managers to fully utilize available systems and tools as well as support in driving compliance to the relevant employment regulations, legislation and bank policy requirements 
Drives optimization of HR technology and processes and ensures that we simplify and create exceptional customer experience in all tasks undertaken in HR Services Hub.
Provides active leadership, strategic direction and the day to day guidance, coaching and mentoring to team of HR Services Hub Team leaders and team members
Lead alignment between IT, Finance, HR Shared Services in order to drive optimization of available and planned HR systems and technologies
Contributes to the strategic direction of Human Resources through active participation on the HR operations special projects.


Qualifications, Skills & Attributes


Bachelor’s degree in business, HR or related field required. A HR certification is preferred
7-10 years professional work experience in human resources and a minimum of 3 years management experience, with direct leadership of benefits and compensation and/or HR technology. total rewards administration with demonstrated performance in benefits and compensation
Strategic mindset with the ability to be a hands-on team player and solid leadership and change management skills.
Professional maturity and the ability to work under general supervision to organize and prioritize work, with high level of accuracy, and handle highly confidential information.
Demonstrated ability in handling highly sensitive and confidential matters effectively and discreetly.
Lean process oriented, with the ability to drive efficiency and scale without jeopardizing the employee experience.
Collaborative decision-making skills and ability to work cooperatively with others both within the HR functional areas and HRBPs as well as other stakeholders throughout the organization.
Experience and knowledge in one-on-one coaching and group conflict resolution, effective negotiation and operational processes and quality assurance exposure
Proven leadership and experience managing effective relationships and communicating with management at all levels.
Extensive knowledge of applicable employment and labor laws as well as other relevant compliance requirements
Ability to meet deadlines under pressure; manage a high volume of workflow and prioritize tasks according to business needs
Ability to assess and analyze information and exercise sound judgment. Exposure to data-driven HR and data analytics is encouraged
Strong collaboration and teamwork skills with demonstrated ability to lead in a collaborative environment, build consensus and promote the exchange of information among team members.
Excellent written, oral, presentation, facilitation, and interpersonal communication skills. Ability to communicate effectively across all levels of the organization. more

Reporting to: The Chief Operating Officer

Key Roles and Responsibilities

The office holder will be responsible for overseeing all Back Office Service Activity (BOSA) operations and in particular, the following:


Credit Policy and Compliance


Oversee adherence to lending policies and procedures throughout the credit administration process within the SACCO.
Lead the development... and enhancement of new loan products to meet market demands.
Implement, evaluate, and update credit management strategies and procedures in alignment with organizational goals.
Contribute to periodic reviews of the Credit Policy to reflect evolving business and regulatory requirements.


Debt Recovery and Risk Management

Plan, coordinate, and supervise debt recovery initiatives, implementing corrective measures for non-performing loans.
Manage relationships with external debt recovery agencies and institutions.
Ensure proper documentation and timely submission of legal evidence for court cases involving debt recovery, including witness preparation.


Financial and Operational Oversight

Prepare income projections for loan products and manage financial obligations within the loans department.
Evaluate and recommend training programs to enhance staff competency in credit operations.
Approve the release of securities/collaterals upon full loan repayment.
Conduct periodic credit assessments to determine the creditworthiness of applicants.


Reporting and Stakeholder Engagement

Provide regular updates to the CEO on loan portfolio performance, including actionable recommendations.
Collaborate with the Head of Finance to ensure compliance with policies and prudential standards.


Team Leadership and Performance Management

Establish departmental goals and oversee staff performance through appraisals.
Supervise, coordinate, and motivate the credit operations team to achieve targets.
Foster effective working relationships with other SACCO departments.
Perform any additional duties as assigned by management.




Required Qualifications and Experience

Academic & Professional Requirements

For appointment to this position, a candidate must have:


Bachelor’s degree in Finance, Accounting, Banking, Credit Management, or a related field.
Professional accreditation in Credit Management, CPA (K), CISA, CPS, or equivalent.
Registered with a recognized professional body in good standing.
Diploma in Cooperative Management is an added advantage.
At least 5 years in credit administration or loan management at a managerial level within a financial institution/SACCO.


Key Competencies & Skills


Strong analytical and problem-solving abilities.
Excellent communication, negotiation, and interpersonal skills.
Detail-oriented, self-motivated, and results-driven.


Personal Attributes


High integrity and ethical standards.
Member-centric approach with a passion for service excellence.
Ability to work under pressure and meet deadlines.


Successful applicant will be required to meet the requirements of Chapter 6 of the Constitution of Kenya and will be expected to present the following documents within the first 3 months of engagement.


Police clearance certificate (Certificate of good conduct).
Tax compliance certificate from Kenya Revenue Authority (KRA).
Clearance Certificate from Ethics and Anti – Corruption Commission (EACC)
Clearance certificate from Credit Reference Bureau (CRB)
Clearance certificate from High Education Loans Board (HELB) more

Reporting To: The Chief Operating Officer

Job Summary

The Head of FOSA will oversee all Front Office Service Activity (FOSA) operations, ensuring efficient service delivery, member satisfaction, and financial growth. The role involves managing savings and deposit mobilization, customer service, loan processing (where applicable), and compliance with regulatory requirements. The ideal... candidate will drive operational excellence, enhance member engagement, and ensure the Sacco’s FOSA operations align with its strategic objectives.

Key Responsibilities

FOSA Operations Management


Oversee daily FOSA operations, including cash management, transactions, and account administration.
Ensure compliance with Sacco policies, SASRA regulations, and other statutory requirements.
Implement efficient processes for deposits, withdrawals, transfers, and other banking services.
Monitor liquidity management to ensure sufficient funds for member transactions.


Savings & Deposit Mobilization


Develop and implement strategies to grow the Sacco’s deposit base.
Promote savings products and encourage member participation.
Analyze market trends and competitor offerings to enhance savings products.
Monitor member savings trends and recommend improvements.


Customer Service Excellence


Ensure high-quality customer service across all FOSA touchpoints (branches, digital platforms).
Resolve escalated member complaints and ensure timely service delivery.
Train and mentor FOSA staff on customer relationship management.
Implement feedback mechanisms to improve member satisfaction.


Loan Processing & Credit Administration (Where Applicable)


Oversee loan application processing within FOSA, ensuring compliance with lending policies.
Work with the credit team to assess member loan eligibility.
Monitor loan repayments and follow up on defaults.


Staff Supervision & Performance Management


Lead, train, and evaluate FOSA staff to ensure productivity and adherence to service standards.
Conduct performance appraisals and recommend staff development programs.
Foster a positive work environment that promotes teamwork and efficiency.


Risk Management & Compliance


Implement internal controls to prevent fraud and operational risks.
Ensure adherence to AML (Anti-Money Laundering) and KYC (Know Your Customer) policies.
Prepare and submit regulatory reports to SASRA as required.


Business Growth & Innovation


Recommend new FOSA products/services to meet member needs.
Drive digital transformation in FOSA operations (mobile banking, agency banking).
Participate in marketing initiatives to attract new members.


Qualifications & Experience

Academic & Professional Requirements


Bachelor’s degree in Finance, Business Administration, Economics, or a related field.
Minimum of 7 years of experience in banking, microfinance, or Sacco operations, with at least 3 years in a managerial role.
A professional qualification is an added advantage.
Diploma in Cooperative Management, Business Administration, Marketing, Customer Service, or related areas is an added advantage.


Key Competencies & Skills


Strong knowledge of Sacco operations as required by SASRA, and FOSA management.
Excellent leadership, communication, and interpersonal skills.
Proficiency in financial analysis, risk management, and customer relationship management (CRM).
Experience with core banking systems (e.g., FOSA software, ERP solutions).
Strategic thinker with strong problem-solving abilities.


Personal Attributes


High integrity and ethical standards.
Member-centric approach with a passion for service excellence.
Ability to work under pressure and meet deadlines.
Innovative mindset with a focus on digital financial solutions.


Successful applicant will be required to meet the requirements of Chapter 6 of the Constitution of Kenya and will be expected to present the following documents within the first 3 months of engagement.


Police clearance certificate (Certificate of good conduct).
Tax compliance certificate from Kenya Revenue Authority (KRA).
Clearance Certificate from Ethics and Anti – Corruption Commission (EACC)
Clearance certificate from Credit Reference Bureau (CRB)
Clearance certificate from High Education Loans Board (HELB) more

Reporting to the Chief Executive Officer, the individual will be responsible for driving the growth and sustainability of the Sacco by identifying new business opportunities, developing strategic partnerships, expanding the membership base, and enhancing the Sacco’s products and services to effectively meet members’ financial needs.

 Key Responsibilities: 


Drive initiatives to recruit new... members, while building and maintaining strong relationships with existing members to ensure member satisfaction and retention. Identify new market opportunities and areas for growth.
Develop and implement strategies for deposit mobilisation and loan book growth. 
Initiate and participate in development of financial products and services to meet members’ changing needs. Monitor products performance.
Plan and execute marketing campaigns to promote the Sacco’s products and services.
Develop strategies to promote Sacco’s brand by engaging in corporate events and outreach programs.
Build strategic partnerships with institutions and corporates to expand product offerings.
Conduct market research and analysis to inform new growth avenues for the Sacco and keep abreast of industry trends, and regular member satisfaction surveys.
Prepare on timely basis regular departmental reports with recommendations thereon.
Lead and mentor departmental staff to ensure optimal productivity and achievement of the set targets. 
Design annual member education programs in liaison with the CEO and education committee that enhance member engagement and financial literacy.
Monitor social media and online activities to increase engagement and visibility.


Qualifications & Experience: 


Hold a university degree in Marketing or Business Administration, Economics, Business management, or it’s equivalent.
Have at least 5 years of experience in marketing and business development in financial sector with a proven track record of driving growth and success.
A diploma in Marketing, Co-operative Management, or Mass Communication will be an added advantage.


Technical Skills & Competencies: 


Strong networking and communication skills; good in public relations.
Agile and resilient; flexible personality.
Conversant with online, social media and digital marketing trends.
Excellent interpersonal skills.
Sociable with an outgoing personality.
Ability to work under pressure and achieve high levels productivity.
Ability to prioritize tasks and meet deadlines.
Work under minimal supervision.
A team player; but a firm and assertive leader.
Conversant with micro soft applications with bias in power point and spreadsheets. more

Reporting To: ICT Manager

Job Summary

The ICT Officer will be responsible for managing and maintaining the Sacco’s ICT infrastructure, ensuring seamless operations of all hardware, software, and network systems. The role involves providing technical support, implementing ICT policies, safeguarding data security, and supporting digital transformation initiatives to enhance operational... efficiency and member service delivery.

Key Responsibilities and Duties

The office holder will be responsible for the following:

ICT Systems Management & Maintenance


Install, configure, and maintain hardware (computers, servers, printers, etc.) and software (operating systems, applications, databases).
Monitor and troubleshoot network performance (LAN/WAN, Wi-Fi, VPN) to ensure uninterrupted connectivity.
Perform regular system updates, patches, and backups to ensure optimal performance and data integrity.
Manage and administer the Sacco’s core banking system, email servers, and other enterprise applications.


Technical Support & User Training


Provide first-line ICT support to staff, resolving hardware, software, and network issues promptly.
Train staff on ICT systems, cybersecurity best practices, and new software applications.
Maintain an ICT helpdesk system to log, track, and resolve technical issues efficiently.


Cybersecurity & Data Protection


Implement and enforce ICT security policies, procedures, and controls to safeguard Sacco data.
Monitor and defend against cyber threats (malware, phishing, hacking) through firewalls, antivirus, and intrusion detection systems.
Ensure compliance with Kenya’s Data Protection Act (2019) and other relevant regulations.
Conduct regular security audits and risk assessments to identify vulnerabilities.


Database & Software Management


Administer and optimize databases (e.g., SQL, Oracle) to ensure data accuracy and availability.
Support the integration of ICT systems with third-party platforms (mobile banking, payment gateways, USSD services).
Assist in the customization and deployment of in-house or outsourced software solutions.


ICT Projects & Innovation


Participate in the implementation of new ICT projects (e.g., cloud migration, digital banking solutions, ERP systems).
Research and recommend emerging technologies to improve service delivery (e.g., AI, blockchain, automation).
Collaborate with vendors and service providers to procure ICT equipment and services.


Reporting & Compliance


Maintain an up-to-date ICT asset register and license management system.
Prepare reports on system performance, incidents, and ICT expenditures.
Ensure adherence to ICT policies, Sacco regulations, and industry standards (e.g., CBK guidelines).


Qualifications & Experience

Academic & Professional Requirements

For appointment to this position, a candidate must have:


Bachelor’s degree in Computer Science, Information Technology, or a related field.
Professional certifications (e.g., CCNA, CompTIA A+, Microsoft Certified IT Professional, CISSP) are an added advantage.
Minimum of 3 years of experience in ICT support, preferably in a financial institution (Sacco, bank, or fintech).
Hands-on experience with:
Core banking systems (e.g., Temenos T24, BankSacco, Oracle Flexcube).
Network administration (TCP/IP, Active Directory, VPN).
Database management (MySQL, MSSQL).
Cybersecurity tools and practices.


Key Competencies & Skills


Strong troubleshooting and problem-solving skills.
Knowledge of scripting (Python, PowerShell) and automation.
Excellent communication and interpersonal skills.
Ability to work under pressure and meet deadlines.
Familiarity with Kenyan ICT regulations (e.g., Communications Authority guidelines).


Successful applicant will be required to meet the requirements of Chapter 6 of the Constitution of Kenya and will be expected to present the following documents within the first 3 months of engagement.


Police clearance certificate (Certificate of good conduct).
Tax compliance certificate from Kenya Revenue Authority (KRA).
Clearance Certificate from Ethics and Anti – Corruption Commission (EACC)
Clearance certificate from Credit Reference Bureau (CRB)
Clearance certificate from High Education Loans Board (HELB) more

Key Roles and Responsibilities

The office holder will be responsible for the following:


Develop and enforce HR policies and strategies to support organizational goals.
Foster positive employee relations to boost productivity, encourage inclusivity, and maintain a thriving work environment.
Ensure compliance with government laws, Sacco policies, and industry standards, addressing... violations to uphold trust and accountability.
Design performance and development programs that align with the Sacco’s objectives, driving employee growth and success.
Oversee HR functions, including hiring, onboarding, training, performance reviews, and retention, while analyzing exit interviews for improvement.
Create and execute HR plans and workforce development initiatives.
Maintain accurate HR records, using data insights to enhance operational efficiency.
Propose innovative HR policies and best practices to improve human capital management.
Prepare monthly HR reports and provide strategic recommendations to the Chief Operating Officer and the CEO quarterly.


Required Qualifications & Experience

Academic & Professional Requirements

For appointment to this position, a candidate must have:


Bachelor’s degree in Human Resource Management or a related field from an accredited university.
Certified HR professional with active membership in a recognized HR body (minimum: IHRM membership).
3+ years of HR and administrative experience in a financial institution.
In-depth knowledge of labor laws and employment regulations.
Minimum KCSE grade of C (or equivalent).


Key Competencies & Skills


Strong leadership skills with a track record of motivating teams to achieve business objectives.
Excellent communication skills, able to articulate HR policies and strategies clearly at all levels.
Relationship-building abilities, with strong emotional intelligence and conflict-resolution skills.
Proficiency in Microsoft Office (Word, Excel, PowerPoint) for documentation, data analysis, and reporting.
Experience with HR software for managing employee records, performance tracking, and process automation.


Successful applicant will be required to meet the requirements of Chapter 6 of the Constitution of Kenya and will be expected to present the following documents within the first 3 months of engagement.


Police clearance certificate (Certificate of good conduct).
Tax compliance certificate from Kenya Revenue Authority (KRA).
Clearance Certificate from Ethics and Anti – Corruption Commission (EACC)
Clearance certificate from Credit Reference Bureau (CRB)
Clearance certificate from High Education Loans Board (HELB) more

The Credit Officer is responsible for maintaining a healthy and growing credit portfolio while ensuring quality membership and effective microfinance operations. This role combines traditional loan processing with field-based microfinance activities to achieve agreed targets regarding portfolio size, delinquency, and default rates.

REPORTING TO: BRANCH MANAGER

Key Duties &... Responsibilities


Credit Management & Loan Processing

Handle member loan approvals and payment processing
Conduct loan appraisal and adequately process loan applications
Verify appraised loan forms before management approval
Maintain loan register and guarantors records
Manage CRB queries and assist in reducing loan turnover time
Generate routine credit reports (rejected loans, repayment status, etc.)
Comply with loan procedures and legal requirements


Customer Service & Communication

Notify loan applicants monthly on repayment start dates through various channels
Attend to member queries regarding loans and services
Draft notices to debtors and demand letters for loans in arrears
Negotiate payment arrangements with customers who have delinquent loans
Ensure provision of quality service to all customers


Business Development & Field Operations

Market and sell Sacco products including member accounts, savings products, loans, and credit products
Recruit new members and maintain/activate existing clients
Visit microfinance groups on daily basis to facilitate savings and loan repayments
Maintain quality client portfolio through effective monitoring, evaluation, and follow-up
Collect market intelligence and competitor intelligence


Coordination & Reporting

Coordinate loan processing with other departments
Prepare periodical credit reports for management
Perform any other duties as assigned from time to time




MINIMUM QUALIFICATIONS, KNOWLEDGE AND EXPERIENCE


Business-related degree or equivalent from a recognized university; OR Diploma in Co-operative Management, Credit Management, or Banking from a recognized institution.
CPA II certification with minimum 2 years’ experience in Credit Management in a Financial Institution.


REQUIRED ATTRIBUTES & SKILLS


Communication & Interpersonal Skills

Excellent verbal and written communication skills
Effective listening abilities
Good people, interpersonal, and networking skills
Able to handle difficult customers with diplomacy and tact


Technical & Analytical Skills

Strong analytical and problem-solving abilities
Ability to read, analyze, and interpret financial statements
Good knowledge of Microsoft Office Suite
Knowledge of Sacco products and services


Personal Attributes

Demonstrated integrity and ethical standards
High level of professionalism
Self-confidence and motivation
Accuracy and attention to detail
Sound judgment and decision-making ability


Work Style & Adaptability

Highly developed teamwork skills
Effective time management and adaptability to changing priorities
Ability to follow written instructions and documented procedures
Capable of working productively with a wide range of people more