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  • Posted: Nov 18, 2024
    Deadline: Nov 21, 2024
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    Roots Credit is a Microfinance company licensed in Kenya to provide credit to small and medium entre. A credit Only Micro-finance company registered in Kenya under the Company’s Act (Cap 486). We offer Business Loans, Salary Loans, Asset Finance Loans, & Micro Credit Loans.
    Read more about this company

     

    Credit Officer

    Job Purpose:

    • This role is responsible for screening and recruitment of borrowers, booking of quality loans into the Roots Credit Limited's portfolio and selling the company's products.

    Education, Knowledge and Experience

    • Bachelor's degree or college diploma in finance, business administration, or related field.

    Competencies:

    • Unquestionable integrity (Background checks will be made prior to onboarding).
    • 3 to 5 years experience in a lending role (Credit Officer, Loan Officer, Business Development Officer, etc) with a credible financial services' provider.
    • Practical experience implementing lending procedures and products.
    • Good communication, negotiation, interpersonal, analytical skills and credit risk assessment skills.
    • Ability and willingness to offer exceptional customer experience and maintain relationships with customers and the company's stakeholders.

    PRIMARY RESPONSIBILITIES/DUTIES

    • Carry out Customer Mobilization for Roots Credit Limited. You shall undertake aggressive marketing and outreach activities and be responsible for cross selling financial products offered by the company. In addition, acquaint customers with products, approval policies, and all terms and conditions of accessing loans from the company.
    • Assist clients in completion of loan applications, preparing loan analysis, recommendations, presenting the recommendations to the Branch Credit Committee, and ensuring that all pre-disbursement conditions are fulfilled.
    • Appraise diligently and thoroughly all loan applications received from individuals or companies by;
    • Investigating and assessing the applicant's background and in particular their character creditworthiness, and credit history as per records held by credit reference bureaus, bank statements etc
    • Verifying all particulars contained in the application form.
    • Checking and evaluating the particulars and financial projections of the repayment source.
    • Ensuring that all applications are evaluated and submitted to the Credit Committee promptly and not later than two days from the date of application.
    • Ensuring that security documentation is complete and duly perfected, properly executed, and realizable as guided by the company credit policy.
    • Carry out any other duties and assignments as may be directed by your supervisor from time to time
    • N/B - As a Credit officer, you will have contact with both internal and external clients, including members of the Board of Directors if need be. This requires strong interpersonal communication skills, both written and verbal.
    • A professional qualification in Credit Management will be an added advantage.

    go to method of application »

    Marketing & Product Development Manager

    PURPOSE:
    To enhance marketing and brand visibility. To develop and implement marketing strategies targeting outdoor presence, leveraging on digital marketing tools. To develop, manage and oversee customer value addition & engagement to enhance portfolio growth and revenue growth.
    PRIMARY RESPONSIBILITIES/DUTIES

    • Lead in the development of the marketing strategy and annual marketing plans. Develop marketing budgets.
    • Develop and present business cases, pricing analysis, and prepare ROI reports on new products and services.
    • Establish, maintain, and grow RCL's digital presence e.g., on Facebook, LinkedIn, X, etc. through regular and consistent blogging, posts, and relevant communication on social networking sites.
    • Refresh and maintain an interactive website that is informative, appealing, and useful as both a communication channel and a customer acquisition channel. Oversee and/or design all marketing materials (hard and digital), merchandise, physical premises, etc. to ensure visibility and a strong RCL brand presence.
    • Spearhead marketing research and innovation to grow RCL's business and brand equity.
    • Establish and manage an effective customer relationships management system ensuring increased customer engagement, retention, and lifetime value.
    • Threading the customer journey through marketing initiatives that will retain existing and/or attract new business.

    ACADEMIC QUALIFICATIONS:

    • A bachelor's degree in a business-related course, preferably a marketing degree. In the absence of a marketing degree, a professional qualification in marketing e.g. CIM or another marketing diploma.

    COMPETENCIES:

    • At least 3-5 years' experience in a marketing and products' development role with demonstrable experience in branding, production of marketing materials, digital/social media marketing, spearheading marketing campaigns, media relations management, public relations, marketing communications, distribution channels set-up and management, products' development and rollout, marketing research, business analysis and intelligence, customer relationships management, and/or adjacent functions. • Leadership and teams' management skills.

    ADDED ADVANTAGE:

    • Experience within the financial services industry especially in a commercial bank, MFB or credit-only MFI or SACCO.
    • Experience working with technologies relevant to marketing and customers' relationships management such as CRMS, Business Analytics, Al, etc.
    • Experience working in a role that interfaces/interacts with a Board of Directors.
    • Credible business networks.

    Method of Application

    Send your application to hr@rootscredit.co.ke

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