Current Openings at United Winners Sacco

This position is responsible for keeping up-to-date financial records and bank reconciliations while updating & safeguarding company assets.

Key Responsibilities

• Ensure all banks and investment accounts are reconciled at close of business
• Daily maintenance and updating of cash book
• Confirm receipts and payments against the bank statement
• To surrender end of day cashier reconciliation alongside payment and deposit vouchers to the supervisor and get a copy upon signing
• Reconciling payments and receipts at close of business, or as and when required; declaring any overage/shortage notice and updating the Supervisor on any abnormal transaction
• Identify un cleared and bounced cheques
• Ensure all payments are authorized according to the Internal Control Policy
• Ensure receipts are properly entered in the cash book and properly reconciled with members’ statements thereof
• Ensure receipts and payments are accurately posted in the cash book and the respective vote head
• Check accuracy of deposit slips
• Issue cheques to customers in liaison with the Supervisor after proper authorization
• Ensure proper filing of all receipts and payments
• Ensure the following payments are properly receipted and recorded: loans, interest on loans, deposits, share capital, registration fees & insurance
• Receive and confirm cash from Supervisor against their signatures
• Handle cash that is within insurance limits
• Pay cash to customers with proper documentation and authorization
• Review and disbursement of authorized petty cash requests
• Attending to customer queries concerning their accounts or any other thing pertaining the Sacco
• Advice customers on financial matters
• Give adequate and correct information to customers when required
• Recruit new members
• Filing and maintaining petty cash vouchers
• Marketing Sacco services and products
• Any other lawful duties as assigned by Supervisor

Required Qualifications and working experience:

• Diploma in business related field
• CPA- Part 1
• At least 2 years’ experience in a related field

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The Admin & HR Officer plays a crucial role in ensuring smooth operations within the office environment and supporting the human resources functions.

Job Description for the Position of Admin & HR officer

• Oversee daily office operations, including managing office supplies, equipment, and the upkeep of the office environment.
• Act as the point of contact for external vendors, contractors, and visitors.
• Manage the executive or team calendar, scheduling appointments, meetings, and travel arrangements.
• Coordinate internal and external meetings, ensuring all necessary materials and logistics are arranged.
• Maintain organized filing systems (digital and physical) for business correspondence, reports, and confidential HR documents.
• Prepare and edit correspondence, presentations, and other documents as required.
• Handle communication (e.g., emails, phone calls, etc.) and provide necessary information to staff and external stakeholders.
• Assist in planning and coordinating company events, team-building activities, or corporate functions.
• Perform general administrative duties such as data entry, report generation, and handling employee inquiries.
• Manage office communication systems (phones, email) and ensure all staff are informed of relevant updates.
• Assist with job postings, screening resumes, and scheduling interviews.
• Coordinate and manage the onboarding process for new hires, including preparing orientation materials, completing employment paperwork, and introducing employees to company policies and culture.
• Assist in identifying training needs and organizing training programs for employees.
• Coordinate external and internal training sessions and track employee participation.
• Support the payroll process by ensuring all employee attendance records and time off requests are accurate.
• Help manage employee benefits, ensuring that all information is up tdate, and assist employees with benefit-related inquiries.
• Ensure company compliance with labor laws, health & safety regulations, and other legal requirements.
• Assist to Maintain and update employee records and HR files, ensuring they are accurate and confidential.
• Assist in coordinating performance evaluations and appraisals.
• Help track performance improvement plans and support managers in addressing employee performance issues.
• Any other lawful duties as assigned by Supervisor

Required Qualifications and working experience:

• Diploma in Human Resources, Business Administration, or related field. A Master’s degree is a plus

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The staff will be responsible for developing and implementing marketing strategies to promote UWS products and services, enhance brand awareness, increase member acquisition and retention.

Key Responsibilities

• Develop and Execute marketing plans and campaign to promote Sacco products, including FOSA and BOSA services.
• Assist in the development of marketing strategies to penetrate into new markets to increase Sacco membership
• Conduct marketing intelligence to identify trends, opportunities and competitive positioning.
• Maintaining relationship with the existing and potential members to enhance customer satisfaction
• Organize member education forums and outreach programs to increase products knowledge.
• Collaborate with other departments to enhance the customer experience and address member concerns effectively.
• Support the implementation of salary check-off agreements and strategic collaborations with the institutions.
• Conduct direct sales and promotional activities including activation campaigns in targeted locations
• Identify and pursue opportunities for partnership to enhance Sacco visibility.
• Assist in market activations, roadshows, and church visits by handling inquiries and signing up potential members.
• Distribute marketing materials like flyers, brochures, and branded merchandise.
• Register leads and share with the marketing team for follow-ups.
• Prepare regular reports on marketing insight, campaign effectiveness and member engagement metrics.

Qualifications:

• Bachelor’s degree in Marketing, Business Administration, or a related field.
• At least 2 years of experience in marketing, preferably in the financial or SACCO sector

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Evaluate and recommend for approval of loans: collection of overdue loans and advise customers on their financial status.

Key Responsibilities

• Meet with applicants to obtain information for loan application and analyse their financial status
• Explain to customers the different types of loans as well as their terms & conditions
• Conduct interviews for all applications and recommend for approval
• Obtain, verify & analyse the applicant’s financial information such as credit rating & income levels
• Ensure timely appraisal of loan applications
• Market credit products and services to the members / customers
• Disbursement of loans once they have been approved in liaison with the supervisor
• Work with customers to identify their financial goals and to find ways of reaching these goals
• Daily follow-ups to ensure loan repayments are up-to-date
• Sending messages to customers with arrears
• Meeting customers with accounts in arrears to establish cause of default
• Liaising with recovery officers to enforce debt recovery in consultation with the senior credit officer
• Posting of all loan transactions into the respective general ledgers
• Gathering of recommendation and suggestion from members
• Implementing credit policies, procedures and standards
• Compute payment schedules
• Review & update credit & loan files
• Aggressive follow-up of loans in arrears
• Processing member’s refunds and erroneous deductions
• Obtain & compile copies of loan applicants credit histories, corporate financial statements and other financial information
• Handling loan account closures.
• Any other lawful duties assigned by the supervisor

Qualifications:

• Diploma in Business related course
• CPA-Part 2 

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The Records Officer is responsible for ensuring proper management, safekeeping, and organization of records and documentation within the SACCO.

Job Description for the Position of Records Officer

• Maintain and update accurate records of member accounts, including deposits, withdrawals, loans, savings, and other financial transactions.
• Ensure all records related tmember transactions are filed accurately and promptly, both electronically and in physical format where applicable.
• Manage and organize loan application forms, agreements, disbursements, repayments, and other related documents.
• Ensure that loan records are up-to-date, secure, and easily retrievable for auditing and member inquiries.
• Organize both physical and electronic records in a standardized filing system that ensures easy access and security.
• Regularly review and update records tensure proper filing and archiving, removing outdated or irrelevant documents per the SACCO’s record retention policy.
• Implement and manage a system for archiving records in accordance with legal requirements and the SACCO’s document retention policy.
• Ensure that records are securely archived and disposed of following retention guidelines and in compliance with data protection laws.
• Ensure efficient retrieval of records for staff, members, auditors, and regulatory authorities when requested.
• Track records and monitor the return of borrowed documents or files within a specified period.
• Ensure SACCO’s records management system complies with all relevant laws, such as the SACCAct, data protection laws, and financial regulations.
• Stay informed about updates in laws and regulations that impact record-keeping and implement necessary changes tensure continued compliance.
• Maintain the confidentiality of sensitive member information, including financial records, loan details, and personal data.
• Implement security protocols tprotect both physical and electronic records from unauthorized access, loss, or theft.
• Provide accurate and complete records for internal and external audits as requested.
• Coordinate with auditors tensure timely access trequired records and assist with any audits related tfinancial statements, member transactions, or compliance.
• Implement document security measures, including restricted access, safe storage, and encryption for electronic records tprotect sensitive information.
• Regularly review and update security procedures for both physical and digital records.
• Use specialized records management software (e.g., an electronic document management system) torganize, track, and maintain records.
• Oversee the electronic filing of records and ensure that all digital records are properly backed up and stored in a secure manner.
• Lead initiatives tdigitize paper records, ensuring that digital files meet compliance, security, and access requirements.
• Convert physical documents tdigital formats and ensure they are organized and easily searchable within the system.
• Ensure that all records, especially digital files, are regularly backed up in accordance with the SACCO’s data protection policy.
• Implement a disaster recovery plan for records tensure business continuity in case of system failure, data loss, or other emergencies.

Qualifications:

• A diploma or degree in Records Management, Library and Information Science, Business Administration, or related field.
• 2+ years of experience in records management or administrative roles, preferably within a SACCO, financial institution, or other regulated industry.
• Experience with digital records management and document management systems (e.g., DMS software).
• Familiarity with compliance requirements related trecord-keeping in financial institutions.

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To identify, evaluate and monitor the non-performing loan accounts and implement a recovery action plan to achieve timely and maximum recovery at a minimal cost and appropriate turn-around time.

Key Responsibilities

• Monitor allocated portfolio of delinquent loans facilities to determine reasons for delinquency by application of sound credit judgment, collections strategy and process within predetermined broad policy guidelines and regulation to minimize credit losses;
• Maintain a loans ageing analysis, schedule, and follow up with the defaulters on recoverability of outstanding loan balance;
• Prepare approval requests to management for negotiated settlements and follow up until account is fully settled and the balance paid off;
• Ensure compliance to UWS Credit Policy and Procedures regarding management of debt recovery process;
• Maintain and prepare monthly collections reports, updates and status;
• Maintain a consistent reduction of non-performing debts through recoveries and viable restructuring options;
• Undertake regular and frequent calls, site visits, and follow-ups with the debtors to implement remedial strategies and action plans for loan recovery;
• Initiate demand and reminder letters to all defaulting customers and review all credit files for proper documentation and monitoring;
• Ensure effective compliance standards are consistently met with both internal and external regulatory requirements by working closely with the head of credit department
• In liaison with the Senior Credit Officer to develop and continuously review credit policies and procedures ensuring their compliance.
• Listing of disbursed loans with Credit Reference bureau (CRB)
• Work closely with the UWS debt collectors.
• Any other lawful duties as may be assigned from time to time.

Required Qualifications and working experience:

• Bachelor’s Degree in Accounting, Economics, Finance or related field
• 2 years’ relevant work experience
• CPA Part II
• Diploma in co-operative management is an added advantage