Job Openings at Micro Enterprises Support Programme Trust (MESPT)

Key Responsibilities

• Capacity Building Coordination & Planning
• Lead the design and implementation of the FIYMA Capacity Development Strategy and Delivery Plan aligned to programme outcomes and donor requirements.
• Provide technical guidance on capacity building 
• Develop annual and quarterly capacity building workplans (targets, counties, cohorts, training cycles, budgets)
• Facilitate/conduct capacity needs assessments for programme participants and translate gaps into structured learning pathways 
• Ensure training activities integrate  young people, financial skills and inclusive principles.
• Curriculum Development, Training Products, Tools & Learning Systems
• Facilitate and coordinate development/adaptation of training FIYMA Training Curriculums and Training Manuals/Modules.
• Ensure all learning materials meet: adult learning best practice; accessibility (youth-friendly, gender-responsive, inclusive for PWDs) and local context relevance
• Support and facilitate the roll-out of blended learning systems (in-person + digital).
• Partner Financial Institution (FI) Capacity Building Support
• Coordinate capacity strengthening initiatives for partner FIs to improve SME/agri credit appraisal, gender lens / youth lens credit processes, risk mitigation approaches and product suitability and monitoring
• Support FI training in areas tied to FIYMA objectives (SME finance and risk practices), consistent with models where partner financial institutions receive capacity strengthening to improve SME lending outcomes. 
• Quality Assurance & Continuous Improvement
• Establish and manage a quality assurance framework i.e trainer performance standards; session evaluation tools; participant feedback loops and training effectiveness reviews among others
• Conduct periodic learning reviews and recommend module improvements.
• Maintain a pool of vetted facilitators and service providers.
• Monitoring, Evaluation, Learning & Reporting (Capacity Building Workstream)
• Work closely with the MEAL function to define training indicators (output/outcome); ensure data integrity and completeness and report on progress and results
• Track the effectiveness of the trainings such as: trained, disaggregated (sex, age, disability); knowledge gain (pre/post); businesses formalized; investment-ready enterprises; successfully accessing finance etc
• Document lessons learned, success stories, and case studies from capacity building activities.
• Prepare timely reporting to the PMU, consistent with strong M&E and structured reporting expectations
• Provide technical input to programme reports, donor updates, and stakeholder forums.
• Budget Management & Compliance
• Prepare costed capacity building budgets and procurement requests.
• Ensure value-for-money in training costs.
• Coordinate with Finance/Procurement to ensure compliant contracting and payments.
• Support audit readiness through proper documentation: attendance registers; training reports; contracts; deliverables and evidence photos/materials
• Any other duties assigned by the Programme Director

Key Deliverables

• Annual Capacity Development Plan (costed)
• Quarterly training calendars and schedules
• Training toolkit (curriculum + facilitator manuals + participant materials)
• Capacity Needs assessment tools and reports 
• Training completion reports, session evaluation summaries
• Quarterly learning brief (what worked / what didn’t / adjustments)
• Database of beneficiaries trained + coaching follow-up tracker
• Documented case studies of impact

Job Purpose

• The Capacity Building Coordinator is responsible for designing, coordinating, delivering, and continuously improving FIYMA’s capacity development interventions targeting youth- and women-led agri-enterprises, MSMEs, farmer groups, and FIYMA partner financial institutions

Knowledge, Experience & Skills

• Minimum 7 years’ experience in capacity building, organizational development, or enterprise development, with at least 3 years in a leadership/coordination role.
• Strong knowledge of SACCOs, cooperatives, and MSME ecosystems in Kenya.
• Experience in adult learning methodologies, training curriculum development, and facilitation.
• Demonstrated skills in coaching, mentorship, and enterprise development.
• Strong project management, planning, and reporting skills.
• Excellent communication, facilitation, and interpersonal skills.
• Ability to integrate gender and inclusion principles into program ign and delivery.

go to method of application »

Key Responsibilities

• Strategic Corporate Communications, Public Affairs & Reputation Management
• Develop and lead an integrated Corporate Communications & PR Strategy that strengthens MESPT’s institutional brand across both the financial services arm and donor-funded programmes.
• Work closely with the Head of Fundraising and Partnerships to support donor positioning, partnership cultivation, institutional profiling, and resource mobilization.
• Protect and strengthen brand integrity by enforcing consistent messaging, tone, and visual identity across all communication platforms and materials.
• Ensure compliance with donor visibility guidelines, internal governance policies, and programme communication standards through collaboration with internal teams and external service providers.
• Drive public affairs and policy communications including issue framing, stakeholder engagement, and proactive positioning on sector and regulatory matters relevant to MESPT’s mandate.
• Lead issues management, crisis communication, and reputational risk strategy, including monitoring public sentiment and coordinating response actions.
• Serve as a strategic advisor to senior leadership on internal and external messaging, ensuring responses are timely, accurate, coordinated, and consistent.
• Prepare and manage the annual communications workplan, content calendar, campaigns, and publication timelines.
• Translate programme results into high-impact communication products tailored to youth, communities, donors, government, private sector, and partners.
• Digital Communications, Internal Engagement & Brand Visibility
• Lead MESPT’s digital communications strategy to strengthen visibility, engagement, and brand presence across platforms.
• Oversee website content updates, social media publishing, digital campaigns and paid promotions (where applicable).
• Ensure consistent branding, institutional and programs identity across all digital channels and communication products.
• Drive youth-focused engagement through modern formats such as reels, short videos, infographics and podcast clips.
• Track and analyze digital performance metrics and optimize campaigns using data insights.
• Establish and support an internal communications champions’ network to amplify approved messaging while ensuring compliance with brand and digital conduct standards.
• Build staff capacity through coaching on responsible digital engagement, storytelling, and social media advocacy.
• Lead change communication initiatives supporting organizational transformation and culture strengthening.
• Stakeholder Communications, Partner Visibility & Donor Engagement
• Work closely with the Head of Fundraising and Partnerships to coordinate stakeholder and partner communications to ensure consistent messaging across programme partners and platforms.
• Support partner visibility, co-branding, and donor acknowledgement in line with donor visibility requirements.
• Develop and maintain standardized key messaging packs for strategic engagements with government, donors, private sector, and learning platforms.
• Provide communications support for high-profile events including programme launches, policy dialogues, exhibitions and summits.
• Support packaging of donor- and investor-facing materials including partnership briefs, concept notes, pitch materials and impact narratives.
• Manage strategic communications engagement with donors and development partners to strengthen confidence in MESPT’s work and results.
• Media Relations & Public Relations
• Manage external visibility through proactive media engagement including press releases, advisories, conferences, interviews, and spokesperson support.
• Build and maintain relationships with journalists, editors, producers and media houses.
• Identify and manage PR opportunities including awards, publications, thought leadership placements and speaking engagements.
• Monitor media coverage and develop regular media intelligence reports including sentiment analysis.
• Impact Storytelling & Content Development
• Lead production of compelling impact stories including beneficiary/youth spotlights, human-interest stories, success narratives and finance access stories.
• Produce and quality-assure communications products including brochures, factsheets, newsletters, annual reports, case studies, donor briefs and pitch decks.
• Ensuring content consistently demonstrates results, learning, innovation and systems change.
• Coordinate ethical photo/video documentation during field missions and stakeholder engagements.
• Safeguarding, Ethics & Consent Compliance (Critical)
• Ensure safeguarding compliance in all communications, including informed consent, safe photography, confidentiality, and dignity-first portrayal.
• Prevent harmful storytelling practices including stereotyping, exploitation or inappropriate disclosure.
• Implement safeguarding review systems for sensitive content and ensure incident-free communications practices.
• Train staff and partners on ethical storytelling and consent standards.
• Knowledge Management, Learning & Influence
• Package programme evidence, learning and insights into knowledge products such as learning briefs, toolkits, policy briefs and case studies.
• Support documentation of models and approaches that demonstrate innovation and scalability.
• Support policy influence and advocacy through targeted messaging and content development.
• Events, Engagements, Visibility & Protocol
• Lead visibility planning and communications for institutional and programme events.
• Develop speeches, scripts, talking points, stakeholder invitations, event branding materials, protocol arrangements and media coordination plans.
• Provide communications and protocol support for VIP visits, donor missions, investor engagements and government delegations.
• Lead planning and delivery of MESPT’s flagship BDCG Annual Conference, including messaging, branding, speaker positioning, media engagement, content development and post-event visibility.
• Ensure all events achieve strong documentation, media coverage and post-event reporting aligned to donor and institutional standards.
• Perform any other duties assigned by the Supervisor from time to time.

Key Deliverables

• Improved institutional visibility and brand perception among donors, government, partners, communities and media.
• Communications Strategy implemented with ≥90% annual deliverables achieved.
• Fundraising and partnership support strengthened through high-quality communication products and stakeholder materials.
• Increased positive media performance (volume, reach and sentiment).
• Digital growth achieved including improved reach, engagement and audience growth.
• Quarterly impact stories and knowledge products delivered on time.
• BDCG Annual Conference delivered successfully with strong visibility outputs and stakeholder feedback.
• Timely donor and investor communications delivered to standard.
• Zero safeguarding breaches in all communications content and media documentation.
• Effective management of reputational risks and crisis communications.
• Strengthened internal communications and staff alignment.
• Full budget and governance compliance maintained.

Knowledge, Experience & Skills

• Minimum 7 years progressive experience in communications/PR, preferably in donor-funded programmes, youth development, livelihoods, finance, agriculture, inclusion, or climate-related programmes.
• Proven experience developing and implementing communication strategies.
• Strong media relations and public engagement experience.
• Proven ability to produce donor-quality communication products and reports.
• Excellent writing and editing skills (development communications and news writing).
• Strong digital communications skills (content strategy, publishing calendars, analytics).
• Strong branding, messaging and stakeholder engagement competence.

go to method of application »

Key Responsibilities

• FIYMA Loan Capital Strategy, Growth & Portfolio Development
• Lead the design and implementation of FIYMA Loan strategy credit strategy in line with programme objectives, fund covenants, and partner financial inclusion models.
• Develop and maintain the FIYMA loan pipeline and disbursement plan to meet annual targets.
• Identify and onboard SACCOs and other financial intermediaries as eligible lending partners.
• Drive portfolio expansion while ensuring quality, target alignment, and sustainability of the revolving loan fund.
• Provide technical input into the structuring of scalable loan products suitable for youth-led and women-led agri-enterprises and MSMEs.
• Ensure compliance with MESPT and donor guidelines, policies, and procedures.
• Strengthen MESPT’s visibility and influence in financial inclusion and SME development.
• Credit Underwriting & Approval Management
• Lead appraisal and underwriting of wholesale/partner loan facilities (and/or direct end-borrower lending where applicable).
• Conduct eligibility assessments for partner institutions, including governance, financial health, liquidity, controls, and credit management capacity.
• Ensure all lending proposals meet FIYMA credit policies, risk appetite, donor guidelines, and internal approval requirements.
• Prepare credit appraisal reports, credit memos, term sheets, and loan approval documentation for the relevant approval committees (ie IIC, MCC and BOT).
• Ensure KYC compliance and adherence to sanctions screening requirements.
• Partner Management & Business Development (BD)
• Proactively build and maintain strong partnerships with:
• o SACCO CEOs and credit teams
• o Commercial banks and MFIs
• o ecosystem players: aggregators, cooperatives, processors, input suppliers, county structures
• Negotiate facility terms and performance commitments (pricing, repayment terms, reporting obligations, targets).
• Develop and implement a partner engagement plan including pipeline reviews, performance reviews, and joint growth planning.
• Identify strategic co-financing opportunities and guarantee instruments to scale outreach.
• Portfolio Risk Management, Collections & Recovery Oversight
• Monitor portfolio performance and risk trends including PAR/NPL, restructures, arrears movement, recoveries, and write-offs.
• Develop and manage early warning indicators (EWIs) and credit monitoring tools for proactive portfolio management.
• Oversee partner collections performance, enforce corrective actions, and support structured recovery plans for delinquent facilities.
• Recommend restructuring, rescheduling, or enforcement actions as required in line with FIYMA guidelines and MESPT credit policy.
• Ensure adequate documentation and tracking of arrears management actions and loan status updates.
• Credit Systems, MIS & Reporting
• Lead development of FIYMA Loan Fund credit dashboards and portfolio reporting (monthly/quarterly/annual).
• Maintain accurate loan documentation registers, facility tracking sheets, disbursement schedules, and repayment schedules.
• Collaborate with ICT teams to automate reporting pipelines (Power BI/Excel/SQL, as relevant).
• Submit timely and accurate reports to MESPT management, FIYMA PMU and Mastercard Foundation, including: disbursement status; portfolio quality; outreach against targets (youth, women, PWDs, refugees); partner performance scorecards. 
• Compliance, Governance & Documentation Controls
• Ensure lending operations comply with programme agreements, Loan Capital governance procedures, and audit requirements.
• Maintain strong loan documentation standards: signed term sheets, security instruments, guarantees, covenants, and reporting clauses.
• Support internal/external audits by ensuring audit-ready credit files and clear approval trails.
• Ensure partner finance institutions comply with facility covenants, reporting timelines, and eligible portfolio definitions.
• Capacity Building Support for Partner Institutions (Credit & BD Focus)
• In liaison with the Capacity Development Coordinator, identify credit capacity gaps among partner financial institutions and recommend targeted interventions.
• Oversee documentation of lessons learned, case studies, and success stories.
• Promote adaptive management and evidence-based decision-making.
• Ensure accountability and safeguarding mechanisms are operational and effective.
• Any other duties assigned by the Programme Director.

Key Deliverables

• Annual FIYMA Loan Fund pipeline plan and disbursement schedule
• Approved partner onboarding documentation and facility appraisal reports
• Monthly portfolio performance dashboards and partner scorecards
• Partner engagement reports and pipeline review minutes
• Arrears and recovery action plans and progress reports
• Updated loan tracking tools and compliance.

Knowledge, Experience & Skills

• Minimum 7 years’ experience in credit management, lending, portfolio risk management, or business development in a bank/SACCO/MFI/development finance institution.
• At least 3 years in a supervisory/management role.
• Demonstrated experience in: credit underwriting and facility structuring; managing loan portfolio performance and recoveries; SME/agri/MSME finance and partner relationship management and institutional lending.
• Strong understanding of SACCO lending operations and credit systems is a strong advantage.
• Strong financial analysis, risk management, and portfolio oversight skills.
• Proven experience in programme design, donor reporting, and compliance.
• Knowledge of governance frameworks, financial regulations, and cooperative sector dynamics in Kenya.
• Excellent leadership, communication, and negotiation skills.
• Strong report writing, presentation, and data analysis skills

go to method of application »

Key Responsibilities

• Credit Origination, Appraisal & Loan Structuring 
• Receive, screen, register, and process credit applications in line with FIYMA eligibility criteria, MESPT credit policies, and approval workflows.
• Identify and mobilize eligible SACCOs, cooperatives, MSMEs, and organised youth/women groups for access to programme credit facilities.
• Conduct comprehensive credit appraisal and due diligence, including: borrower financial analysis business viability assessment, governance and management capability review and market assessment, value chain mapping, and value chain risk analysis.
• Undertake field verification visits to confirm client operations and risk exposure, including site visits to business premises, farms/production sites, and related value chain actors.
• Assess suitability, adequacy, and enforceability of proposed security structures (collateral, guarantees, risk-sharing arrangements) and recommend appropriate mitigants.
• Structure facilities based on borrower cashflow cycles (including seasonal/agricultural cycles), recommending optimal: pricing, tenor, grace periods, repayment schedules, and covenants.
• Prepare high-quality credit proposals/appraisal memos with clear risk analysis and recommendations for submission to the relevant approval committees in line with the delegated authority matrix.
• Ensure full compliance with maker-checker controls, KYC requirements, and documentation standards prior to submission and approval.
• Coordinate preparation of offer letters and required facility documents, and support timely loan disbursement in line with approved terms and conditions.
• Business Development & Pipeline Development
• Identify, map, and develop a pipeline of eligible financing opportunities aligned with FIYMA target segments (youth-led enterprises, women-owned MSMEs, agri-SMEs, cooperatives and SACCO-linked enterprises).
• Conduct finance partner engagement and market outreach to create demand for FIYMA financing and related support services.
• Promote uptake of FIYMA loan products through structured field activations, sensitization forums, and stakeholder meetings.
• Coordinate with Capacity Building teams to ensure clients/partners receive necessary technical assistance for bankability and sustainability.
• Prepare and submit pipeline reports, opportunity trackers, and weekly/monthly BD progress updates.
• Credit Administration & Disbursement Readiness
• Coordinate pre-disbursement conditions and ensure all legal documentation is complete and verified.
• Confirm fulfillment of conditions precedent (CPs) including insurance, collateral perfection, guarantees, partner confirmations, and borrower compliance requirements.
• Support loan booking and ensure correct facility set-up in the credit systems (repayment schedules, interest rates, penalty configuration, grace periods).
• Participate in loan disbursement controls to ensure proceeds are applied to intended purposes (especially for credit-linked productive investments).
• Portfolio Monitoring, Collections Support & Credit Relationship Management
• Manage an assigned credit portfolio and maintain strong, professional relationships with partners and funded clients to support performance, compliance, and retention.
• Conduct post-disbursement monitoring (PDM) and portfolio reviews to confirm appropriate facility utilization and track borrower performance. 
• Monitor repayment behavior, arrears trends, and Portfolio-at-Risk (PAR) indicators; identify emerging default risks and initiate timely corrective action.
• Support early arrears management through proactive partner engagement, development of joint recovery plans, and implementation of agreed remedial actions.
• Trigger escalation workflows for distressed recommend restructuring/rescheduling options where justified, and ensure interventions are policy-compliant and properly documented.
• Maintain updated and audit-ready facility files, loan registers, monitoring tools/databases, and credit documentation (both hard and soft copy) in line with FIYMA guidelines and MESPT Policy.
• Prepare periodic portfolio performance and monitoring reports, including PAR analysis, risk insights by sector/segment, and key portfolio trends.
• Capture and document lessons learned, case studies, and best practices from credit interventions to strengthen programme learning and portfolio improvement.
• Provide technical input to the design/refinement of inclusive credit approaches and tailored products that enhance access for women, youth, PWDs, and refugee groups.
• Partnerships, Stakeholder Engagement & Agri-Finance Technical Advisory
• Collaborate with the Capacity Building and Gender & Youth Inclusion Officers to deliver integrated enterprise support that strengthens borrower readiness, inclusion outcomes, and portfolio quality.
• Liaise and coordinate with SACCOs, cooperatives, county governments, and consortium/implementation partners to support effective portfolio management, delivery alignment, and issue resolution.
• Provide technical advisory support to SACCOs, cooperatives, and implementing partners on agri-finance lending models, including: credit structuring for agri-enterprises and value chain actors; cashflow-based lending methodologies; seasonal/agricultural repayment schedule design; risk mitigation approaches (e.g., insurance, diversification, aggregation/anchor models).
• Work jointly with partners to strengthen credit discipline, repayment culture, and portfolio performance across FIYMA-supported lending.
• Participate in partner trainings, technical clinics, and capacity building activities for partners and relevant value chain actors, providing practical guidance to improve lending practices and risk management.
• Compliance, ESG, Inclusion & Safeguarding Integration
• Ensure all financed activities comply with FIYMA guidelines, and safeguarding requirements and do not fund prohibited activities.
• Screen facilities for environmental and social risks and apply mitigation measures in line with MESPT ESG Guidelines.
• Promote inclusive credit access ensuring fair treatment, accessibility for marginalized groups, and adherence to consumer protection principles.
• Ensure client data confidentiality and compliance with data protection requirements.
• Reporting, Documentation & Continuous Improvement
• Prepare credit appraisal reports, monitoring reports, facility review reports, and partner performance trackers.
• Contribute to portfolio analytics, lessons learned, and improvement of credit processes and tools.
• Provide timely information for audits, donor reporting, management reviews, and programme evaluations.
• Maintain accurate records in systems including application status, approvals, disbursements, and monitoring schedules.
• Any other duties assigned by the FIYMA Credit and Business Development Manager

Key Deliverables (KPIs)

• Number and quality of viable financing opportunities sourced (pipeline).
• Disbursement volume and number of facilities booked within approved turnaround time (TAT).
• Portfolio quality indicators: PAR 30/60/90, default rate & NPL ratio.
• Quality of credit appraisals (accuracy, completeness, minimal exceptions).
• Monitoring compliance rate 
• Inclusion targets achieved (youth/women/PWD participation).
• Partner satisfaction and retention / repeat business.
• Documentation quality and audit outcomes (minimal documentation gaps).

Job Purpose

• The Credit and Business Development Officer will support the FIYMA Programme to expand sustainable access to finance for youth, women, and MSMEs by originating, appraising, structuring, and monitoring credit facilities through partner financial institutions and Market Actors. The role combines business development and credit execution to ensure that financed clients are viable, repayment capacity is sound, and portfolio quality is maintained in line with FIYMA credit guidelines and MESPT Credit Policies.

Knowledge, Experience & Skills

• Minimum 2 years’ experience in credit management, MSME financing, or cooperative/SACCO lending.
• Strong knowledge of agricultural finance, value chains, and green financing.
• Credit structuring and documentation.
• Portfolio monitoring and early warning detection.
• Knowledge of agricultural finance dynamics (seasonality, price volatility, production risks).
• Practical experience in loan processing, portfolio monitoring, and recovery.
• Excellent negotiation, communication, and customer relationship skills.
• Good report writing and presentation skills.

go to method of application »

Key Responsibilities

• Credit Systems Administration, MIS and Portfolio Analytics:
• Serve as the primary administrator and technical support lead for FIYMA credit systems, including the core banking loan module and collections tools.
• Configure and maintain FIYMA loan products and credit parameters in the system (interest rates, repayment terms, fees, penalties, arrears computations, and credit limits).
• Administer and monitor credit workflow controls to ensure compliance with SACCO lending policy (maker–checker rules, approval hierarchies, exception approvals, user roles and limits).
• Support continuous system improvement through credit-related upgrades, patch testing, UAT coordination, deployment, and rollout of enhancements.
• Develop, automate, and maintain Credit MIS dashboards and reporting packs (daily, weekly, and monthly).
• Generate and analyze portfolio performance reports including disbursements, arrears ageing buckets, PAR/NPL trends, write-offs, recoveries, and collections performance.
• Produce segmented portfolio analytics by client, product, and credit officer performance to support management decisions.
• Ensure reporting accuracy through routine validation, reconciliations, and resolution of credit MIS data gaps and inconsistencies.
• Provide timely credit portfolio risk alerts and insights on emerging trends and deteriorating segments.
• Support collections workflows within the system: reminders, arrears aging and recovery actions.
• Create collections performance dashboards and ranking reports.
• Support integration of alternative collections tools (SMS platforms, dialers) if available.
• Support capacity building for SACCOs/credit teams through system guidance, reporting interpretation, and ongoing user support.
• Credit Data Management, Integrity & Reporting:
• Enforce credit data quality standards across the department (accuracy, completeness, consistency, timeliness).
• Develop and maintain a centralized credit data management system covering the full loan lifecycle (borrowers/financial partners, applications, approvals, disbursements, repayments, portfolio performance).
• Ensure standardized data definitions, structures, tools, templates, and reporting formats are applied consistently across all financial partners.
• Integrate credit data from financial partners’ core banking systems, loan management platforms, and programme monitoring tools.
• Maintain comprehensive participant/borrower-level datasets, including profiles, value chains, geographical distribution, MSME characteristics, and loan utilization.
• Track outreach and inclusion metrics aligned to programme targets (young women and men, including PWDs and refugees).
• Conduct routine reconciliations to ensure data integrity and alignment across systems, including:
• loan schedules vs collections
• system loan balances vs Finance GL
• disbursement records vs approvals
• Detect, investigate, and resolve data exceptions and inconsistencies (duplicate loans, incorrect repayment schedules, misapplied penalties/charges, inconsistent borrower/member records).
• Develop and maintain automated dashboards and reports on loan fund performance, outreach, and inclusion indicators.
• Produce periodic reports aligned to FIYMA performance measurement and reporting frameworks.
• Support development of evidence-based narratives, tables, and annexes for donor and stakeholder reporting.
• Ensure secure data storage, controlled access, and compliance with data protection, privacy, and confidentiality requirements.

Knowledge, Experience & Skills

• At least 2 years’ experience supporting credit operations through: data analytics/reporting; lending systems/core banking support; collections tools, ideally in a SACCO, MFI or bank.
• Advanced knowledge and skills in data analytical and visualization tools such as STATA, R, Power BI, Tableau etc.
• Strong Analytical skills and ability to convert data into actionable insights for data driven decision making.
• Experience designing data collection templates, dashboards, or reporting tools is highly desirable.
• Excellent communication and report-writing skills; ability to train and mentor staff and partners.
• Core banking system exposure (loan module).
• Strong Excel (advanced reporting & automation).
• SQL (queries, joins, stored extracts).
• Power BI/Tableau dashboards.
• Understanding of SACCO lending and collections processes.

go to method of application »

Key Responsibilities

• Credit Risk Assessment & Independent Credit Review:
• Conduct comprehensive credit risk assessments for partner Financial SACCOs and MSME/agri-enterprise borrowers, covering financial, operational, governance, and sector/value chain risks.
• Review credit appraisal proposals and provide independent risk opinions, including key risks, mitigants, and recommendations for approval/decline or restructuring.
• Analyze borrower financials (financial statements, cashflows, ratios) to determine repayment capacity and stress-test affordability where applicable.
• Assess proposed credit structures including pricing, tenor, covenants, and security/collateral arrangements, ensuring risk is appropriately mitigated.
• Confirm alignment of all credit recommendations with MESPT credit policies, risk appetite, and FIYMA Fund lending guidelines.
• Portfolio Risk Monitoring, Early Warning & Portfolio Quality Management:
• Monitor and analyse portfolio performance indicators including PAR (1/30/60/90), NPL ratio, arrears trends, delinquency roll rates, restructures, recoveries, and write-offs.
• Develop, maintain, and continuously refine portfolio risk dashboards, monitoring tools, and periodic risk reports to support decision-making.
• Track and assess concentration and exposure risks across the portfolio.
• Monitor credit lifecycle risks end-to-end (origination → disbursement → repayment → collections) and flag emerging risk drivers.
• Identify and escalate early warning signals across SACCO and SME portfolios, including deteriorating repayment behavior and high-risk segment trends.
• Conduct stress testing and scenario analysis on priority segments/products to assess vulnerability and downside risk.
• Evaluate performance of FIYMA loan products and partner lending models (check-off, SME, agri-enterprise, youth/women lending) and recommend portfolio optimization actions.
• Recommend and support implementation of proactive risk mitigation measures, including tightening eligibility criteria, enhanced controls, restructuring strategies, and targeted recovery actions to prevent portfolio deterioration.
• Credit Risk Policy, Frameworks, Controls & Compliance:
• Support the development, review, implementation, and continuous improvement of FIYMA credit risk policies, procedures, tools, and frameworks across partner FIs.
• Contribute to the design and refinement of risk rating models, borrower grading methodologies, scorecards, and portfolio classification parameters to strengthen credit decision-making.
• Review the adequacy of proposed security/collateral, guarantees, and other risk mitigants, and provide recommendations to enhance risk coverage and enforceability.
• Ensure lending practices remain aligned with: FIYMA credit guidelines and applicable regulatory sector requirements.
• Monitor end-to-end compliance with credit policy controls, including: approval limits and delegated authorities, maker-checker workflows and authorization controls, documentation completeness and KYC compliance and adherence to top-ups, refinancing, rescheduling/restructuring rules.
• Track, analyze, and report approval exceptions, overrides, and policy breaches, and maintain exceptions register to support governance and accountability.
• Identify systemic control gaps, recurring policy breaches, and emerging compliance risks, and recommend: corrective actions, credit process enhancements and targeted capacity-building/training interventions.
• Support internal control strengthening by contributing to: audit preparations and responses, compliance reviews and periodic risk control testing and closure of audit findings related to credit processes.

Knowledge, Experience & Skills

• At least 2 years’ experience in credit risk analysis, risk management, or financial analysis.
• Experience analyzing Financial SACCOs and Financial institutions (A MUST) and SMEs
• Solid understanding of credit risk, portfolio management, and financial modeling.
• Ability to interpret Sacco and SMEs financial statements, cash flows, and management accounts.
• Working knowledge of Power BI (preferred)
• Strong analytical, problem-solving, and critical thinking skills.
• Excellent writing and presentation skills.
• Proficiency in MS Excel and credit/risk management systems.
• Knowledge of cooperative and SME regulatory frameworks

go to method of application »

Key Responsibilities

• MEAL System Development and Management:
• Participate in the design and operationalization of the FIYMA MEAL system development, result framework, tools, and SOPs across assigned programme staff and partners.
• Support in the design and maintenance of core MEAL documents, including results frameworks, MEAL plan, data quality assurance mechanisms, database management system, tools and reporting schedule.
• Facilitate harmonization of MEAL approaches, tools, and methodologies across all programmes implementing partners and staff.
• Ensure adherence to consortium-wide MEAL standards, operating procedures, data-sharing agreements, and reporting protocols.
• Programme Monitoring, Evaluations and performance management:
• Plan, coordinate, and participate in routine monitoring missions, joint field visits, and implementation reviews.
• Ensure systematic tracking of programme outputs and outcomes related to youth financial inclusion, MSME growth, and agricultural enterprise performance.
• Analyze programme monitoring data to assess progress against targets, identify implementation bottlenecks, and inform corrective actions.
• Prepare periodic performance briefs, dashboards, and management summaries to support strategic decision-making.
• Initiate the planning and coordination of programme evaluations, including baseline, midline, endline, and thematic evaluations.
• Ensure availability of high-quality datasets and documentation for evaluation purposes.
• Support synthesis, dissemination, and utilization of evaluation findings for programme improvement and accountability.
• Data Management, Quality Assurance and Compliance:
• Support in deployment, and management of a centralized, secure, and scalable FIYMA programme database.
• Maintain accurate and up-to-date databases for programme beneficiaries and outputs.
• Monitor adherence to standardized procedures for data collection, cleaning, validation, storage, and backup across programme partners.
• Strengthen digital data collection and reporting tools to support real-time monitoring and analysis across programme partners.
• Support implementation of a comprehensive Data Quality Assurance (DQA) framework for the FIYMA Programme.
• Conduct routine data quality checks, verification exercises, and spot audits to ensure data accuracy, completeness, consistency, and timeliness.
• Identify data quality risks and support partners to implement corrective action plans.
• Ensure compliance with data protection, confidentiality, ethical data use, and donor reporting standards.

Knowledge, Experience & Skills

• Minimum of 2 years of progressive MEAL experience in donor-funded development programmes.
• Demonstrable experience in designing and implementation of monitoring systems, survey techniques incl. qualitative investigation, and statistical analysis for community development programmes.
• Strong experience in conducting baseline, evaluations, and /or thematic studies especially for programmes working on youth, MSME, financial inclusion, or Agri-enterprise development programmes
• Extensive experience in managing database for large scale / complex programmes using digital applications/ systems.
• Demonstrated expertise in statistical analysis of large data sets using statistical packages and applications such as SPSS, R, Power BI etc.
• Demonstrated Experience using digital data collection tools (Kobo Toolbox, ODK, TARO works).
• Practical experience in data management, quality assurance, and reporting.
• Strong analytical and problem-solving skills.
• High level skills and experience in training & capacity building in MEAL 
• Excellent coordination, supervision, and mentoring abilities.
• Strong presentation, report writing and communication skills.