Credit HUB Manager , VisionFund Kenya at World Vision Kenya

The Credit HUB Manager reports directly to the Chief Operations Officer (COO) and is an integral member of the Middle Management Team. The Credit HUB Manager is responsible for leading the credit analysis team to assess the creditworthiness of loan applicants, manage credit risk, and ensure adherence to the institution's credit policies. This role is pivotal in supporting the financial inclusion mission of the microfinance institution by making sound Credit decisions that promote sustainable growth.

Key Responsibilities

• Provide strategic oversight of the credit evaluation process, ensuring thorough analysis of loan applications, financial statements, credit reports, and other critical data.
• Drive timely, accurate, and risk-aligned credit decision-making in alignment with organizational goals.
• Lead the development and enforcement of robust credit policies and procedures that mitigate risk and uphold regulatory compliance.
• Oversee the ongoing monitoring and performance analysis of the loan portfolio, proactively identifying emerging risks and recommending corrective actions.
• Partner with senior leadership to establish prudent credit limits and lending terms aligned with the institution’s risk appetite and growth strategy.
• Lead in-depth financial and risk analyses of high-value or complex borrowers, ensuring data-driven, forward-looking credit assessments.
• Deliver strategic insights and recommendations to executive leadership based on comprehensive financial evaluations and market conditions.
• Ensure the integrity, accuracy, and compliance of all credit documentation, decisions, and reporting.
• Present high-level credit reports, trend analyses, and risk assessments to the board and senior executives.
• Provide executive leadership to the credit analysis team, fostering a high-performance culture focused on accountability, excellence, and continuous improvement.
• Lead talent development initiatives, including performance management, training, succession planning, and capacity building within the credit function.
• Optimize resource allocation, align team structures with strategic priorities, and ensure delivery against key performance targets.
• Strengthen cross-functional collaboration by serving as a strategic liaison between the credit department and other business units.
• Represent the credit function in strategic planning forums and cross-departmental initiatives, ensuring credit considerations inform enterprise decisions.
• Stay abreast of industry trends, regulatory changes, and economic developments to guide credit strategy and innovation.
• Champion process optimization and technology-driven solutions to enhance efficiency, scalability, and risk management across the credit lifecycle.
• Promote a culture of innovation, continuous improvement, and strategic foresight within the credit organization.

Ideal Candidate Profile

Educational Requirements:

• Diploma/Bachelor's degree in Finance, Accounting, Business Management Economics, or a related field.
• Minimum of 5 years of experience in credit management, preferably within the microfinance sector.

Key Competencies:

• In-depth knowledge of banking principles and MFI industry practices and exceptional understanding of client protection policies in microfinance.
• Excellent communication, negotiation, and interpersonal skills; adept at business development and stakeholder management.
• High ethical standards and commitment to personal and organizational integrity.
• Proficiency in Microsoft Office and operational software relevant to the financial sector.
• Strong knowledge of financial analysis techniques, credit risk assessment, and lending principles.
• Attention to detail and high level of accuracy.
• Customer-oriented mindset with a commitment to providing exceptional service.