Background

The FIYMA Credit and Business Development Manager is responsible for the end-to-end credit management of the FIYMA Loan Capital, and the business development function focused on building a strong pipeline of eligible financial partners and quality loan portfolios. The role ensures the FIYMA Loan Capital is managed with strong underwriting discipline, portfolio quality, risk controls, compliance, and growth of lending partnerships, while delivering on programme targets for youth, women, persons with disabilities (PWDs), and refugees.

Key Responsibilities

• FIYMA Loan Capital Strategy, Growth & Portfolio Development
• Credit Underwriting & Approval Management
• Partner Management & Business Development (BD)
• Portfolio Risk Management, Collections & Recovery Oversight
• Credit Systems, MIS & Reporting
• Compliance, Governance & Documentation Controls
• Capacity Building Support for Partner Institutions (Credit & BD Focus)
• Cross-Functional Collaboration & Financial Management
• Monitoring, Evaluation, Accountability & Learning (MEAL)
• Any other duties assigned by the Programme Director.

Qualifications & Experience

• Minimum 7 years’ experience in credit management, lending, portfolio risk management, or business development in a bank/SACCO/MFI/development finance institution.
• At least 3 years in a supervisory/management role.
• Demonstrated experience in: credit underwriting and facility structuring; managing loan portfolio performance and recoveries; SME/agri/MSME finance and partner relationship management and institutional lending.
• Strong understanding of SACCO lending operations and credit systems is a strong advantage.
• Strong financial analysis, risk management, and portfolio oversight skills.
• Proven experience in programme design, donor reporting.

Benefits

• 25 days annual leave, Medical Insurance, 20% Gratuity and 7.5% leave allowance

Restrictions

• 3-year fixed term contract and 1-month notice period (renewable subject to performance and funding)

• Lead the design and implementation of FIYMA Loan strategy credit strategy in line with programme objectives, fund covenants, and partner financial inclusion models.
• Develop and maintain the FIYMA loan pipeline and disbursement plan to meet annual targets.
• Identify and onboard SACCOs and other financial intermediaries as eligible lending partners.
• Drive portfolio expansion while ensuring quality, target alignment, and sustainability of the revolving loan fund.
• Provide technical input into the structuring of scalable loan products suitable for youth-led and women-led agri-enterprises and MSMEs.
• Ensure compliance with MESPT and donor guidelines, policies, and procedures.
• Strengthen MESPT’s visibility and influence in financial inclusion and SME development.
• Lead appraisal and underwriting of wholesale/partner loan facilities (and/or direct end-borrower lending where applicable).
• Conduct eligibility assessments for partner institutions, including governance, financial health, liquidity, controls, and credit management capacity.
• Ensure all lending proposals meet FIYMA credit policies, risk appetite, donor guidelines, and internal approval requirements.
• Prepare credit appraisal reports, credit memos, term sheets, and loan approval documentation for the relevant approval committees (ie IIC, MCC and BOT).
• Ensure KYC compliance and adherence to sanctions screening requirements.
• Proactively build and maintain strong partnerships with: SACCO CEOs and credit teams, Commercial banks and MFIs, ecosystem players: aggregators, cooperatives, processors, input suppliers, county structures.
• Negotiate facility terms and performance commitments (pricing, repayment terms, reporting obligations, targets).
• Develop and implement a partner engagement plan including pipeline reviews, performance reviews, and joint growth planning.
• Identify strategic co-financing opportunities and guarantee instruments to scale outreach.
• Monitor portfolio performance and risk trends including PAR/NPL, restructures, arrears movement, recoveries, and write-offs.
• Develop and manage early warning indicators (EWIs) and credit monitoring tools for proactive portfolio management.
• Oversee partner collections performance, enforce corrective actions, and support structured recovery plans for delinquent facilities.
• Recommend restructuring, rescheduling, or enforcement actions as required in line with FIYMA guidelines and MESPT credit policy.
• Ensure adequate documentation and tracking of arrears management actions and loan status updates.
• Lead development of FIYMA Loan Fund credit dashboards and portfolio reporting (monthly/quarterly/annual).
• Maintain accurate loan documentation registers, facility tracking sheets, disbursement schedules, and repayment schedules.
• Collaborate with ICT teams to automate reporting pipelines (Power BI/Excel/SQL, as relevant).
• Submit timely and accurate reports to MESPT management, FIYMA PMU and Mastercard Foundation, including: disbursement status; portfolio quality; outreach against targets (youth, women, PWDs, refugees); partner performance scorecards.
• Ensure lending operations comply with programme agreements, Loan Capital governance procedures, and audit requirements.
• Maintain strong loan documentation standards: signed term sheets, security instruments, guarantees, covenants, and reporting clauses.
• Support internal/external audits by ensuring audit-ready credit files and clear approval trails.
• Ensure partner finance institutions comply with facility covenants, reporting timelines, and eligible portfolio definitions.
• In liaison with the Capacity Development Coordinator, identify credit capacity gaps among partner financial institutions and recommend targeted interventions.
• Provide technical assistance in: credit appraisal quality, loan tracking and monitoring, product structuring for youth/women, PAR management and collections strengthening.
• Support training sessions and mentorship engagements for partner credit teams.
• Work closely with FIYMA teams including: Capacity Building & Technical Assistance, Gender & Social Inclusion, MEAL, Finance, Programme Management Unit (PMU).
• Ensure loan fund implementation aligns with programme results framework and reporting obligations.
• Provide financial oversight of the FIYMA Loan Capital, ensuring prudent use of resources.
• Oversee timely disbursement of funds, cost efficiency, and compliance with financial regulations.
• Monitor budget utilization and ensure accountability in line with donor and MESPT policies.
• Support financial reporting and audits.
• Ensure robust MEAL systems are in place to track programme progress and impact.
• Oversee documentation of lessons learned, case studies, and success stories.
• Promote adaptive management and evidence-based decision-making.
• Ensure accountability and safeguarding mechanisms are operational and effective.

• Strong financial analysis, risk management, and portfolio oversight skills.
• Proven experience in programme design, donor reporting.

• Minimum 7 years’ experience in credit management, lending, portfolio risk management, or business development in a bank/SACCO/MFI/development finance institution.
• At least 3 years in a supervisory/management role.
• Demonstrated experience in: credit underwriting and facility structuring; managing loan portfolio performance and recoveries; SME/agri/MSME finance and partner relationship management and institutional lending.
• Strong understanding of SACCO lending operations and credit systems is a strong advantage.