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  • Posted: May 20, 2020
    Deadline: Not specified
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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.
    Read more about this company

    Relationship Officer

    Job Summary

    Working closely with the Branch Manager the job holder will ensure implementation of sales & business growth strategies and at the same time ensure quality of the loans portfolio. He/she will identify business growth opportunities, acquire clients in area of jurisdiction, manage daily utilization towards future lending and build a sizeable portfolio in loans and ensuring excellent client experience.

    Key Measurable Goals

    • Achievement of quality portfolio.
    • PAR management 0 – 30 days.
    • Client acquisition, increase rate of individual loan uptake and relationship management.
    • Increase revenues through cross selling of other products
    • Increase profitability of branches through enhanced relationship building, loan collection follow ups thus increasing branch revenues in comparison to expenditure and reduced provisioning for bad book.
    • Active disbursement Mobilization to meet set targets.

    Qualifications

    • Education: Diploma in any business related course
    • Knowledge and Skills: Business management skills, Credit management skills Supervisory skills
    • Experience: At least 2 years as a Relationship Officer
    • Personal Attributes: Good communication and interpersonal skills, Team leader/player.

    Responsibilities

    • Proactively market and generate business through Individual and SME client recruitment on disbursement.
    • Undertake regular calls and visits to customers to ensure effective relationship management.
    • Maintain up to date records of all customer visits for all customers.
    • Cross sell all products and services to both existing and potential clients.
    • Business growth initiatives including marketing activities, new business sign ups, new partnerships etc.
    • Prepare credit appraisals, analysis and present to the Branch Credit Committee meetings for further review & recommendations.
    • Adhere to current procedures, processes, memos and circulars as may be issued from time to time.
    • Address all customer queries within stipulated Service Level Agreements (SLAs).
    • Monitor the portfolio quality on daily basis and proactively institute remedial actions.
    • Maintain sound relationships with all clients.

    go to method of application »

    Business Development Officer/ Manager

    Job Summary

    Responsible for business development through marketing and recruiting of customers, processing and disbursement of loans and ensure timely collection of the same to ensure healthy portfolio and a happy and satisfied customer base.

    Qualifications And Competencies:

    • Diploma in Business related courses from a recognized
    • Knowledge in Sales and Marketing, credit risk management, credit lending, as well as relevant experience in the Banking/Microfinance sector will be an added advantage.
    • Proficiency in computers is mandatory.
    • Ability to analyze and interpret financial statements
    • Clear understanding of Microfinance industry is an added advantage.
    • Good interpersonal & communication skills with excellent customer service.
    • A team player with the drive to improve performance.
    • Persuasive with strong recognition skills,
    • Self-driven and possess the ability to work with minimum supervision
    • Ability to work independently under minimum supervision.

    Responsibilities

    • Responsible for Marketing of Micro finance products and services
    • Responsible to evaluate clients’ businesses/Finances and determine whether they are worth the amount applied for
    • Responsible for client evaluations and loan processing.
    • Responsible for preparation and submissions of timely daily, weekly, monthly and quarterly reports as per the requirements.
    • Responsible for recording, verifying and assessing the security offered for loans with assistance of the Branch Manager
    • Ensure client retention through excellent customer service

    Method of Application

    If you possess the stated qualifications and work experience, please send your application and CV (as one document), quoting the position applied on the email subject on hr@mwananchicredit.com.

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