Vacant Positions at Adjacent Possible Finance

Job Purpose:

• Business & Digital Transformation Officer Head of Risk, Finance & Strategy ICT Department The Business & Digital Transformation officer shall provide internal ownership of APF's technology environment and serve as the link between business users and technology service providers.
• The role exists to ensure that APF derives maximum value from its technology investments through system optimization, business process automation, systems integration, management information reporting, vendor oversight, cybersecurity governance, and alignment of technology with strategic objectives.
• The appointee shall oversee technology vendors and technology projects but shall not be primarily responsible for routine maintenance of infrastructure already managed by extemal service providers.

KEY RESPONSIBILITIES

• Systems Optimization & Business Enablement Serve as the internal business owner of all business systems.
• Gather business requirements from users and departments.
• Translate business needs into technical requirements for vendors.
• Drive continuous improvement of workflows and processes.

Lead automation Initiatives.

• Monitor system utilization and recommend enhancements.
• Ensure all systems support operational efficiency.
• Systems Integration & Project Management Develop and drive APP's systems integration roadmap.
• Coordinate integration between: (Core Banking System, CRM-Loan Origination Modules,
• Hr & People management Systems, Accounting Systems, Mobile Applications, Credit Reference Bureaus, Regulators related System integrations)
• Reduce manual reconciliations and duplicate data entry.
• Ensure data consistency across systems.

Lead technology projects including:

• System upgrades, New module implementation, Channel development, Process automation, Systems integration, Product digitization. 
• Management Information & Data Analytics
• Develop management dashboards.
• Improve data quality across systems.
• Support strategic reporting.
• Develop branch, product and portfolio analytics.
• Drive data driven decision making.
• Vendor Management Manage all ICT vendors.
• Monitor vendor SLAS.
• Conduct quarterly vendor performance reviews.
• Validate vendor Invoices and technology-related expenditures
• Participate in contract negotiations.
• Assess value for money from technology investments.
• ICT Governance & Risk Management Maintain ICT policies.
• Coordinate ICT risk assessments. Coordinate ICT audits.
• Monitor cybersecurity controls implemented by vendors.
• Coordinate business continuity and disaster recovery testing.
• Ensure Data Protection Act compliance.
• Ensure data back up is done as per guidelines
• Strategic Technology Planning Develop APP's ICT roadmap Advise management on technology investments. Identify emerging technologies.
• Support digital transformation initiatives.

MINIMUM QUALIFICATIONS

Academic;

• Bachelor's Degree in: Information Technology, Computer Science, Information Systems, Software Engineering or related ICT Fields

Professional Qualifications:

• At least one of the following Certifications: ITIL, Princes, Microsoft Dynamics, Azure Fundamentals, CISA, CISM, PMP Experience; Minimum 5 years ICT experience.
• At least 3 years in: Microfinance, Banking, Fintech, SACCO, Digital Lending Preferred experience: Core banking systems, CRM platforms, Systems integration, Vendor management 

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Job Purpose

• Business Development Officer Business Development Relationship Manager Nairobi Region The Business Development Officer at Adjacent Possible Finance Limited is responsible for driving growth by marketing financial products, recruiting and training clients, appraising and monitoring loans, and maintaining strong client relationships.
• The role ensures portfolio quality through effective risk management, supports cross-selling and upscaling opportunities, and upholds the institution's business development and credit policies to achieve sustainable performance.

Key Responsibilities:

Business Development & Marketing

• Implement the business development strategy and plans for the assigned portfolio in order to achieve assigned targets.
• Conduct market analysis and territory research to identify potential customers, segments and growth opportunities.
• Create and execute marketing activities-including promotion, outreach programs, seminars and client education-to generate leads and convert them into clients.
• Proactively recruit new clients: screen and evaluate potential borrowers in the targeted markets.

Loan Appraisal & Disbursement

• Carry out customer screening, loan assessment and full appraisal in line with the Adjacent Possible Finance's credit policy. Process loan applications, ensure documentation is compliant, and facilitate timely disbursement.
• Ensure all deposits (if applicable) and other client payments are allocated correctly and on time.

Portfolio & Risk Management

• Monitor the loan portfolio under the BDO's responsibility: conduct regular group and/or individual client visits, track repayment status, check on business progress and handle arrears follow-up. 
• Manage risks to maintain a high-quality portfolio: forward indicators of risk, recommend corrective actions, and engage in client training as needed to safeguard the portfolio.
• Prepare dally/weekly/monthly status reports and share with branch/management teams to support branch health and sustainability. Relationship Management, Cross-selling & Upscaling
• Establish and maintain strong relationships with clients and referral networks to deepen business and drive retention.
• Identify opportunities within the client base for cross-selling and upscaling of additional products or services-eg, insurance, higher loan amounts.
• Collect client feedback, monitor client satisfaction and escalate issues as required.

Continuous Improvement & Innovation

• Recommend best practices and contribute ideas for new or improved processes, products and services.
• Implement service quality, customer excellence and change initiatives to enhance business performance and culture.

Compliance & Service Delivery

• Ensure adherence to internal policies and regulatory requirements (eg, KYC, AML, credit policy).
• Maintain service delivery standards: minimize turnaround time, ensure documentation completeness, and support audit and operational review activities.

Qualification and skills

• A Diploma/Bachelor's degree holder in Business related discipline or equivalent from a recognized college.
• At least 2 years' experience in Credit, Banking and/or relationship management.
• A good understanding and knowledge of the Kenyan Microfinance Industry is an added advantage.
• Have excellent interpersonal and communications skills I

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Job Purpose:

• The Agency & Sales Team Leader is responsible for leading, coaching and managing Agents to achieve loan disbursement and customer acquisition targets.
• The role also owns the growth of digital sales channels (mobile app, USSD, WhatsApp, social media and online lead generation) and coordinates the institution's digital marketing activities to generate quality leads, build brand awareness and convert them into active, well-performing customers.
• The Team Leader balances growth with portfolio quality, ensuring that all sales are compliant, responsible and aligned with the institution's credit policies and regulatory requirements.

Roles & Responsibilities

• Recruitment and training Source, identify and recruit astute and goal-oriented sales agents who will be willing and capable of selling APF products
• Train, and onboard the sales agents to ensure they are able to refer loans to APF Conduct regular field visits, team meetings, and performance reviews to motivate agents and address bottlenecks
• Motivating the agents to meet their targets, celebrate their successes, and help them bounce back from setbacks
• Manage sales incentives, commissions and agent payouts accurately and on time, in line with company policy.

Sales Strategy & Market Penetration

• Lead Generations Identify prospective clients through direct agents, networking. referrals, and digital outreach.
• Deliver the agreed sales targets and outcomes within agreed timelines.
• Design and implement field marketing strategies, community activations, and recruitment drives.
• Monitor market trends and competitor activities to adjust sales approaches dynamically 
• Map and develop new markets and customer segments

Digital Sales Management

• Drive adoption and sales through digital channels, including the mobile app, WhatsApp Business, SMS and online application forms.
• Set and monitor digital sales targets, including digital loan applications, customer onboarding and APF Kash activations.
• Design and manage the lead-to-loan funnel: lead capture, qualification, follow-up, application, appraisal, disbursement and repeat-loan conversion. Work with the IT/Digital team to identify and escalate digital product issues, customer pain points and improvements in the customer journey. Analyse digital funnel data (conversion rates, drop-offs, cost per lead, cost per acquisition) and recommend improvements.

Digital Marketing Coordination

• Coordinate the execution of the digital marketing calendar across social media (Facebook, Instagram, TikTok, X, Linkedin), WhatsApp, SMS, email and Google/Meta ads.
• Liaise with the Marketing/Communications team and external agencies, influencers or freelancers to ensure timely delivery of campaigns, creatives and content.
• Brief creatives and copywriters on campaign objectives, target segments, product messages and regulatory disclosures (including APR, fees and terms),
• Plan and run lead-generation campaigns, promotions, referral drives and seasonal offers aligned with sales targets.
• Monitor social media pages and messaging channels, ensure customer queries and leads are responded to promptly and escalated appropriately.
• Track campaign performance (reach, engagement, leads, conversions, cost per lead, return on ad spend) and prepare regular reports with recommendations.
• Safeguard brand reputation by ensuring all content is accurate, ethical, and compliant with the Central Bank of Kenya (CBK) consumer protection guidelines, the Kenya Information and Communications Act, and the Data Protection Act, 2019.

Qualifications and Experience

Education

• Bachelor's degree in Business Administration, Sales and Marketing, Commerce, Economics, Finance, or a related field from a recognized university.
• Professional qualification in Sales, Digital Marketing (eg, Google, Meta Blueprint, Al) in Microfinance is an added advantage.
• Experience At least 4 to 5 years' experience in sales within microfinance, banking, SACCOS, mobile money or fintech, with at least 2 years in a team leadership or supervisory role.
• Proven track record of meeting or exceeding sales targets.
• Hands-on experience managing or coordinating digital sales or digital marketing campaigns is strongly preferred.
• Experience with field-based sales models is an advantage.