Credit Policy Refinement and Credit Scoring Tool Development for a Rural SACCO at International Executive Service Corps

Pre-Assignment Tasks:

•  Review background information about the SACCO, including existing policies. Including a review of existing policies, processes and tools and assess them against best practice standards as well as analyze the historical loan data available;
•  Hold an inception call with the F2F team and the SACCO to discuss assignment objectives and plans
•  Verify assignment goals and needs with the SACCO.

On Assignment Tasks:

•  â€‹Hold orientation meeting with F2F team;
•  Hold kickoff meeting with F2F team and the SACCO to finalize workplan and expected outcomes;
•  Review and document the lending process of the SACCO as well as any existing guiding documents or procedures
•  Refine the credit policy in consultation with the board and management
•  Conduct rapid key informant interviews to determine which indicators should be included in a draft loan credit scoring tool, and how these indicators might be weighted;
•  Recomend the most suitable type of credit scoring model (e.g. statistical, qualitative or hybrid), for the SACCO
•  Present the refined credit policy and prototype credit scoring tool the SACCO board and management for feedback and validation;
•  Develop a brief training manual to accompany the credit scoring tool
•  Provide a brief dedicated trainings on the new scoring model and its application for SACCO staff/key management
•  Draft final trip report.
•  Hold debriefing session with SACCO, F2F team and USAID.

End of Assignment Report and Other Deliverables Required:

•  Credit policy
•  Agriculture Loan Credit Scoring Tool;
•  Training manual for Agriculture Loan Credit Scoring Tool;
•  Final Trip Report detailing work completed throughout the assignment as well as recommendations for the host organization
•  A PowerPoint presentation for debriefing with USAID, the host, and F2F

The Expertise of Volunteer Experts Requested:

•  â€‹Higher university degree in finance, banking, Economics, International Development, Public Policy or other relevant field.
•  At least 10 years' experience in credit risk assessment
•  Highly developed analytical skills with ability to produce high quality analytical reports and policy papers.
•  Practical experience with management and operations of savings and credit cooperatives.
•  Demonstrated experience in developing, reviewing, and updating organizational policies and procedures.
•  Experience working with smallholder farmer agri-businesses in developing countries is a plus
•  Experience working in Kenya and/or the region is plus.
•  Strong leadership and communication skills
•  Demonstrated capacity to plan strategically and flexibly.
•  Experience delivering group training.
•  Skilled in adult training methods.
•  Sufficiently physically fit, with appropriate medical clearance.
•  Experience with PowerPoint presentations is desirable.
•  Fluency in English
•  The ability to work through translators in the field is essential.
•  Cultural sensitivity issues in communication.
•  Experience with training and mentoring subsistence farmers in sub-Saharan Africa preferred.
•  Good writing and analytical skills and interpersonal communication