Credit Supervisor, VisionFund Kenya at World Vision Kenya

Overview

VisionFund Kenya is a dynamic financial services company and a key investment of World Vision Kenya, committed to fostering sustainable financial inclusion. Learn more at www.visionfundkenya.co.ke.

The Credit Supervisor reporting to the Relationship Manager, is responsible for overseeing credit operations, ensuring effective assessment of creditworthiness, and maintaining a high-quality loan portfolio for VisionFund Kenya. This role involves supervising a team of Relationship officers, ensuring compliance with internal policies and regulatory requirements, and implementing credit risk mitigation strategies. The Credit Supervisor plays a pivotal role in managing and improving credit processes to support the organization's mission of sustainable financial inclusion.

Multiple Locations: (Western Region, North Rift and Nairobi Region)-indicate preference on your CV.

Key Responsibilities

Marketing & Outreach

• Lead client recruitment and awareness campaigns to promote credit services.
• Achieve targets for Outstanding Loan Balance (OLB), new client acquisition, repeat borrowing, and client retention across designated categories.
• Manage client relationships to ensure satisfaction and loyalty.
• Address and resolve customer complaints promptly and professionally.

Staff Supervision

• Oversee branch and site office staff, ensuring high performance and adherence to operational standards.
• Provide guidance, mentorship, and performance evaluations to team members.

Integration with World Vision

• Collaborate effectively with World Vision Area Development Programs (ADPs).
• Foster strong working relationships with ADP Managers to align credit services with community development goals.

Client Training

• Conduct pre-loan training sessions in accordance with policy guidelines.
• Facilitate monthly post-loan training to support client financial literacy and loan management.

 Portfolio Management

• Ensure timely loan repayments and monitor portfolio health.
• Document loan approvals and decisions in Branch Credit Committee meeting minutes.
• Conduct thorough loan appraisals in line with credit policy standards.
• Administer loans efficiently and accurately.

Loan Disbursement & Quality Control

• Review and act on statistical reports, implementing action plans for non-performing loans.
• Prevent disbursement to groups with outstanding arrears.
• Utilize T24 system reports (e.g., delinquency, client status, group status) to guide disbursement decisions.
• Ensure alignment between disbursement dates and loan schedule value dates.
• Use T24 reports for ongoing quality control in collections and appraisals.
• Meet Portfolio at Risk (PAR) targets consistently.

   Reporting

• Prepare and submit regular performance reports.
• Reconcile client records and ensure data accuracy across all reporting platforms.

   Financial Targets

• Achieve income generation targets as set by management.
• Operate within allocated budget limits and demonstrate effective cost control.

Ideal Candidate Profile

Educational Requirements:

• Diploma / Degree in Business Administration, Sociology, Marketing, or a related field.
• A minimum of 4 years of relevant experience, in Microfinance, Retail Banking, or Enterprise Lending.

Key Competencies:

• High attention to detail, accuracy, and reliability.
• Strong interpersonal and team collaboration skills.
• Ability to integrate with community development initiatives.
• Motorcycle riding skills are an added advantage.
• High ethical standards and commitment to personal and organizational integrity.
• Proficiency in Microsoft Office and operational software relevant to the financial sector.
• Exceptional customer service, marketing, and training capabilities.