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Mwananchi Credit Limited was incorporated as a private limited company under the Companies Act (Cap 486) of the Laws of Kenya. It initially started operations under the names Mwananchi Microlink Ltd which was incorporated on 15th April 2010. On 10th January 2012, it later changed its names to Mwananchi Credit Limited.
Role Overview
A Regional Sales Manager-Checkoff plays a pivotal role in the successful operation and performance of the branch. The primary purpose of this role is to lead and manage Sales Team Leaders within the Region, including loan disbursements, collections, customer service, and overall regional productivity while ensuring compliance with organizational policies and regulatory requirements. Below is a breakdown for the Region’s disbursement target:
Specific Duties
- Monitoring of set targets and ensuring 100% achievement for the region in both disbursement and retention of productive number of team leaders and sales reps.
- Contact and maintaining personal relationship with all government personnel within the region to ensure continuity of the business. i.e. County payroll and county finance departments.
- Ensure the checkoff portfolio for the region is properly perfuming. Ensuring all loans are booked and captured at their domiciled county as per client signed documents
- Sharing of daily checkoff disbursement commitments for the region
- Follow up of byproduct and payments from county payrolls and ensure remittance are made before 5th of each month.
- Deep understanding of delinquency/Risk mitigation and escalation measures to address loans which would go bad from day one
- Attend and represent the company in meetings that aid business development, both internal and external functions.
- Handles with a lot of care all MWANANCHI CREDIT’s assets such as furniture, computers, motor vehicles and marketing facilitations.
- Assist fellow employees in any way possible to ensure they become effective staff and serve with dignity. It is your responsibility to ensure that we provide the best services possible to our customers. It is also your duty to ensure the loans from other branches that belongs to your county of domiciled are timely and
- properly booked by yourself or your designate at the county payroll.
- Perform any other related duty as may be assigned by the Supervisor and or his representative’s Proper usage and accountability of marketing facilitations and other petty cash to the team.
Objectives and Key Results (OKRs)
Lead Generation and Conversion
- Generate 100 quality leads per day through strategic marketing activities
- Achieve conversion rate from opportunity to closed sale by 15% through sales enablement and better alignment between marketing and sales teams.
- Ensure the conversion of at least one valuation per day
Ensure Operational Excellence
- Achieve a 100% compliance rate with internal policies and regulatory
- Reduce loan processing time by 20% through process optimization and automation per quarter.
- Implement training programs that result in a 15% increase in staff productivity and efficiency per month.
Drive Portfolio Expansion
- Increase the number of active clients by 25% per
- Expand loan portfolio size by 25% every quarter through effective client acquisition and retention strategies.
Enhance Client Satisfaction and Retention
- Achieve a client satisfaction score of 90% or higher in quarterly
- Reduce client complaints by 25% through proactive resolution and service improvement initiatives per quarter.
Ensure Financial Sustainability and Profitability
- Achieve a loan portfolio quality ratio (PAR30) of less than 5% per
- Increase branch profitability by 25% through effective cost management and revenue generation strategies per quarter.
- Improve loan recovery rates by 35% through enhanced collection processes and risk management practices per quarter.
Team Management
- Conduct quarterly performance reviews with all staff and set development goals for each team member.
- Implement employee engagement initiatives resulting in a 25% increase in employee satisfaction scores.
- Develop succession plans for key roles within the branch to ensure continuity and readiness for growth.
Qualifications, Skills, and Experience
- Bachelor’s Degree in Finance, Business Administration, or a related
- Knowledge of regulatory requirements and industry best practices in
- Strong leadership and management abilities
- Excellent communication and interpersonal skills
- Sound decision-making and problem-solving skills
- Ability to motivate and inspire team members
- Financial acumen and analytical skills
- Customer-centric mindset and service orientation
- Adaptability and resilience in a fast-paced
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