Jobs at Peoplelink Consultants Ltd

Role Purpose

• The Loans Officer serves as the primary growth driver for the organization, responsible for client acquisition, loan originations, and relationship management.
• The incumbent is charged with expanding the institution's credit portfolio by recruiting eligible borrowers while exercising strict due diligence to safeguard portfolio quality from the onset.

Key Responsibilities

• Identify, prospect, and recruit eligible individuals, MSMEs, and group clients in line with targeted market profiles and loan product offerings.
• Conduct comprehensive credit assessments, background checks, field/site visits, and financial analyses to verify borrowing capacity, character, collateral, and business viability.
• Prepare complete, accurate, and objective loan evaluation packages for submission to the Credit Committee, ensuring all supporting documentation complies with policy. Orient clients on loan terms, interest structures, repayment schedules, and obligations prior to disbursement, while monitoring early-stage repayment performance post-disbursement.
• Build and nurture strong, long-term relationships with clients to foster repeat business, cross-selling opportunities, and positive word-of-mouth referrals. Gather localized market intelligence on industry trends, competitor product offerings, and emerging risks to inform product refinement. 

Qualifications & Requirements Education:

• Diploma or Bachelor's degree in Microfinance, Business Management, Banking, Marketing, or Finance. Experience:
• Minimum of 2 years' experience in loan origination, sales, and credit appraisal within a microfinance setting. Knowledge: Deep understanding of microfinance lending methodologies, credit scoring, and risk evaluation.

Skills:

• Excellent interpersonal, field sales, and analytical skills.

Competencies:

• Self-driven with a proven track record of meeting or exceeding business development targets

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Job Summary

• The Cashier and Records Officer is responsible for managing daily financial transactions, maintaining accurate sales and administrative records, managing petty cash, and supporting general operational reporting to ensure smooth administrative and financial workflows.

Duties & Responsibilities

• Receive all client payments (Cash, M-Pesa, or Card) and ensure an official receipt is issued for every transaction.
• Complete daily cash-out balances, perform bank deposits, and promptly report any cash shortfalls to the General Manager.
• Accurately file receipts, financial reports, and petty cash vouchers while keeping the petty cash report up to date.
• Maintain and update staff attendance registers, leave forms, and daily bag sales reports.
• Proactively follow up on outstanding payments, including delivery fees and accounts for clients taking goods on credit.
• Notify suppliers once payments are processed and collaborate with the General Manager to facilitate timely supply orders.
• Regularly report on business progress, suggest operational improvements, and execute any other duties assigned by management.

Qualifications & Requirements Education:

• Diploma in Accounting, Procurement, Business Administration, or a related field preferred.
• Experience: Proven experience in a finance, record- keeping, or cash-handling role is mandatory.
• Technical Skills: Proficiency in Microsoft Excel and Google Docs.
• Core Competencies: High level of integrity, trustworthiness, attention to detail, and good organizational skills.
• Preference: Female candidates preferred; strong male candidates will also be considered. Join our team!

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Job Summary

• The Collections Officer is primarily responsible for managing and maintaining the health of the institution's active loan book under the direct supervision of the Operations Manager.
• The core mandate is to execute aggressive yet compliant recovery strategies to achieve default-free collection on assigned credit portfolios, specifically targeting 100% adherence to zero-default expectations.

Key Responsibilities

• Actively monitor assigned loan accounts, initiating prompt follow-ups via calls, field visits, and formal notices prior to and immediately upon default. Execute daily recovery activities to ensure all scheduled installments are collected in full, meeting or exceeding set institutional collection targets without exception.
• Assess root causes of non-payment for delinquent accounts, structure workable debt settlement plans within organizational guidelines, and recommend escalation for stubborn defaults.
• Maintain professional, firm, and respectful communication with clients, providing clear guidance on loan obligations and the financial implications of non-performing accounts.
• Maintain comprehensive, real-time records of all collection efforts, client promises to pay, and field reports, while preparing weekly portfolio quality reports for the Operations Manager.
• Strictly adhere to HR Policy, fair debt collection practices, legal regulations, and consumer protection guidelines during all recovery activities

Qualifications & Requirements Education:

• Diploma or Bachelor's degree in Business Administration, Credit Management, Finance, or a related field.

Experience:

• Minimum of 2-3 years' hands-on experience in loan collection and portfolio recovery within a recognized Microfinance Institution (MFI) or financial service provider.

Skills:

• Strong negotiation, conflict management, and persuasive communication skills.

Competencies:

• High level of personal integrity, resilience, and emotional intelligence.

Technical:

• Proficiency in credit management software/systems and MS Excel. Join our team!