Job Openings at Izwe Loans Limited Kanya

Job Scope:

Reporting to the Head of Payroll business, the job holder will ensure growth of customer numbers, retention, and maximum returns to the company by ensuring good customer service is rendered to the customers through timely loan processing and payments. Growth of Asset and quality Retail loan book in the branch through effective management of the Sales Agents. Ensure seamless procedures in Recruitment, Training and Performance management by ensuring optimal productivity of Sales Teams. Ensure optimal performance of the assigned Rural branches on loan sales, recruitment of new agents, retention, and retention of customers.

Key Responsibilities:

• Growth of productive sales agents in line with the institution’s Strategy
• Growth of the Loan book through quality disbursements.
• Coordinating recruitment and training for Team leaders while ensuring optimal numbers for the branch. Ensure retention of the sales agents.
• Support in managing Sales Team productivity and performance monitoring in line with the company objective.
• Support Retail credit processes for TAT assurance for enhanced Customer experience and compliance to the institution’s lending policies.
• Sign up for new private and government sector MOUs for loan processing within the assigned area of operations.
• Ensure growth of new customers, retention, and penetration within the existing MOUs.
• Communicating and reinforcing the company’s lending policies.

Qualifications:

• Degree or Diploma in Business related field
• Proven successful 2+ years’ experience in microfinance, or financial institutions in a similar role.
• Good analytical skills especially using the business analysis tools
• A person of high integrity and professional decorum. Keen on timely achievement targets and 
• Excellent interpersonal and communication skills.
• Client-focused

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Job Scope: The Head of Credit is a Senior-Level position responsible for overseeing and managing the Credit Operations. This role involves developing and implementing credit policies, ensuring compliance with regulatory requirements, and managing the overall credit risk of Izwe Kenya. Reporting directly to the Chief Operating Officer, the incumbent will be responsible for shaping the credit strategy to support Izwe’s strategic goals while maintaining a balanced and healthy credit portfolio.
 
Educational Requirements:

• Bachelor's degree in finance, business, or a related field; advanced degree (Master's or MBA added advantage)
• Credit Risk Certified (CRC), or other relevant credit certifications added advantage.

Desired Work Experience:

• 3-5 years’ experience
• Experience in credit management, with a proven track record of progressively increasing responsibilities. Previous experience in a leadership role is highly desirable (Credit Analyst, Credit Manager).
• Excellent knowledge of International Accounting and Audit Standards, and Legislations.

Knowledge & Skills:

• Credit and Financial analysis; review of restructuring/credit/debt settlement proposals for management/Board approval.
• Work closely with relationship managers to understand customer needs, address credit-related concerns, and ensure effective communication between credit analysis and customer-facing teams.
• Proven leadership experience, including managing and developing high-performance teams.
• Strong understanding of financial analysis, risk assessment, and credit modelling
• Credit risk management: experience in credit risk assessment and provision of practical mitigations to prevent any probable credit losses.
• Loan portfolio management: closely supervising loan portfolios to ensure compliances to the terms and conditions of the loan contracts.
• Knowledge and effective application of all relevant banking policies, processes, and procedures.
• Negotiation skills.
• Excellent analytical, problem-solving, and decision-making skills.