Open Roles at Daima SACCO

Key Duties & Responsibilities

• Provide overall leadership and management of branch operations to ensure efficient service delivery, regulatory compliance, and achievement of business targets.
• Drive growth in membership, deposits, loan portfolio, and other SACCO products through effective sales, marketing, and business development initiatives.
• Supervise and coordinate branch staff to ensure high performance, productivity, and exceptional customer experience.
• Oversee loan appraisal, approval within delegated authority, disbursement, recovery, and portfolio quality management.
• Ensure compliance with operational policies, internal controls, security procedures, cash management guidelines, and regulatory requirements.
• Safeguard branch assets including cash, records, strong room, and other valuables while maintaining sound treasury management practices.
• Monitor branch financial performance through analysis of key performance indicators and prepare timely management reports and budgets.
• Coordinate customer visits, debt recovery activities, member education, and product awareness campaigns to strengthen member engagement.
• Conduct routine operational reviews and physical checks while identifying and mitigating operational risks within the branch.
• Represent the SACCO within the branch’s area of operation by promoting positive stakeholder relations and enhancing the Society’s public image.

Person Specifications

• High standards of integrity, accountability, and professionalism.
• Strong leadership, people management, and coaching skills.
• Excellent analytical, financial, and business decision-making abilities.
• Outstanding communication, interpersonal, and customer relationship management skills.
• Proactive, results-oriented, and innovative approach to problem-solving.
• Excellent report writing, presentation, and organizational skills.

Minimum Qualifications

• Bachelor’s Degree in Business Administration, Finance, Accounting, Economics, or a related field.
• CPA Part I, ACCA Part I, or an equivalent professional qualification. Additional professional qualifications will be an added advantage.
• Minimum of 3 years’ experience in branch operations, banking, SACCO, or other financial services environment, with exposure to FOSA and credit operations.
• Proficiency in computer applications and financial management systems; knowledge of SACCO core banking software will be an added advantage.
• Demonstrated experience in business development, portfolio growth, team leadership, and operational risk management.
• Strong understanding of SACCO operations, financial products, and applicable regulatory requirements.

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Key Duties & Responsibilities

• Conduct operational, financial, and compliance audits across branches and departments in accordance with the approved audit plan.
• Document audit assignments, evaluate evidence, and prepare comprehensive working papers and audit findings.
• Assist in the preparation of accurate and timely audit reports for management and the Audit Committee.
• Evaluate the adequacy and effectiveness of internal controls, policies, procedures, and risk management processes.
• Conduct risk assessments and support the development and maintenance of the Society’s risk registers.
• Follow up on implementation of audit recommendations and report on the status of corrective actions.
• Identify control weaknesses, operational inefficiencies, and compliance gaps, and recommend practical improvements.
• Ensure audit work is performed professionally, objectively, and in accordance with established auditing standards and best practices.
• Keep abreast of developments in auditing, SACCO regulations, governance, and emerging risks to enhance audit effectiveness.
• Promote the Society’s products and services through cross-selling while undertaking any other duties assigned by the Internal Auditor.

Person Specifications

• High standards of integrity, objectivity, and confidentiality.
• Strong analytical, investigative, and problem-solving skills.
• Excellent communication, report writing, and interpersonal skills.
• Ability to work independently and collaboratively within a team environment.
• Proactive, detail-oriented, and committed to continuous professional development.
• Sound judgment and ability to maintain impartiality in carrying out audit assignments.

Minimum Qualifications

• CPA Part II or an equivalent level of ACCA qualification.
• Bachelor’s Degree in Accounting, Finance, Commerce, or a related business field will be an added advantage.
• Minimum of 1 year relevant experience in internal or external audit, preferably within the financial services or SACCO sector.
• Proficiency in computer applications, accounting systems, and audit software packages.
• Knowledge of SACCO operations, regulatory requirements, and governance frameworks will be an added advantage.
• CISA certification or related professional qualifications will be an added advantage.

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Key Duties & Responsibilities

• Ensure loan procedures are followed during appraisal, approval, disbursement, monitoring, and management in accordance with the Society’s credit policy and regulatory requirements.
• Coordinate debt collection and recovery activities across all branches to ensure the Portfolio at Risk (PAR) is maintained at or below 5%.
• Ensure due process is followed in a timely manner on loan defaulters in compliance with applicable laws, regulations, and the Society’s credit policies.
• Identify, visit, and establish relationships with potential customers while actively marketing and selling the Society’s loan products and services.
• Prepare and submit monthly product performance reports to the Credit Manager, highlighting portfolio growth, quality, trends, and recommendations.
• Handle loan cases escalated or referred from branches and provide guidance on appropriate interventions and resolutions.
• Follow up on death claims to ensure deceased members’ loan obligations are fully settled through the Society and relevant insurance providers.
• Confirm monthly remittances from various check-off systems and follow up on irregularities, delays, or under-remittances.
• Market, cross-sell, and promote the Society’s products and services to drive business growth and enhance member value.
• Undertake any other relevant duties as may be assigned by the Credit Manager from time to time.

Person Specifications

• High standards of integrity, honesty, and professionalism.
• Strong analytical, problem-solving, and critical-thinking skills.
• Basic financial analysis and credit assessment skills.
• Sound understanding of debt recovery processes and collateral management.
• Excellent communication, negotiation, and interpersonal skills.
• Strong report writing, business writing, and presentation skills.
• Ability to make timely decisions and exercise sound judgment.
• Proactive, results-oriented, and initiative-driven approach to work.
• Ability to work independently and collaboratively within a team environment.
• Strong customer relationship management and business development skills.

Minimum Qualifications

• Minimum Diploma in Credit Management, Co-operative Management, Banking, Finance, Business Administration, or a related business field.
• Minimum of 3 years’ relevant experience in credit administration, loan appraisal, debt recovery, or a similar role within a SACCO, banking, or financial services environment.
• Proficiency in computer applications and financial management systems.
• Knowledge of SACCO loan products and credit administration processes with experience in recruiting, onboarding, and serving civil servants.
• Understanding of collateral management and loan recovery procedures. A legal background or exposure to legal recovery processes will be an added advantage.
• Knowledge of SACCO core banking software and credit management systems will be an added advantage.
• Demonstrated ability to market financial products, manage loan portfolios, and support business growth initiatives.