Job Purpose:

This role involves overseeing a diverse portfolio that includes micro-groups, farmers, dairy cooperatives, Agri-Business, and climate smart agriculture initiatives. The incumbent will be responsible for strategic leadership, Agri & Micro group lending product innovation, manage credit risks and engage stakeholders to strengthen the SACCO's impact on Micro group lending and agricultural sector.

Key Responsibilities:

• Drive the credit strategy through micro & agri-business loans portfolio.
• Drive the creation, implementation and monitoring of customized financial products to enhance micro group lending and agribusiness loans.
• Establish and maintain strategic partnerships with development organizations, government bodies and industry stakeholders.
• Enforce Credit Policy and risk management policy with regards to micro group lending & agri-business loan portfolio.
• Review of loan applications and analysis of credit information to assess member's credit worthiness.
• Implement strong risk assessment frameworks to maintain portfolio quality and ensure compliance on loan policies & procedures.
• Provide advice, guidance, training and mentorship to micro-groups, lending staff at the branch level regarding micro-credit and agri-business loan policies and procedures, credit analysis, financial statement evaluation, and credit investigations.

Qualifications:

• Bachelor's degree in Finance, Accounting, Economics, or relevant Business related field or CCP Finalist.
• Professional certification such as CPA, ACCA, CIFA or CCP qualification will be an added advantage.
• Have at least 5 years practical experience in a reputable financial institution preferably in credit management/Agri-business financing/Micro group lending environment.
• In depth knowledge of agricultural value chains, climate-smart agriculture, rural finance & Micro-group lending.
• KCSE mean Grade C (plain) with C plain in Mathematics and English.
• Above 30 years.
• Be proactive and initiative.
• Have excellent interpersonal and communication skills for engaging diverse stakeholders.
• Must be self-motivated and be ready to work with minimum supervision.
• Be a team player.

Required Documents Upon Successful Application:

• Clearance certificate from the Ethics & anti-corruption commission (EACC)
• Tax compliance certificate from the Kenya Revenue Authority (KRA)
• A valid certificate of good conduct
• Clearance certificate from the Higher Education Loans board (HELB)
• Clearance certificate from the Credit Reference Bureau (CRB)

Note:

Only shortlisted candidates will be contacted.

• Drive the credit strategy through micro & agri-business loans portfolio.
• Drive the creation, implementation and monitoring of customized financial products to enhance micro group lending and agribusiness loans.
• Establish and maintain strategic partnerships with development organizations, government bodies and industry stakeholders.
• Enforce Credit Policy and risk management policy with regards to micro group lending & agri-business loan portfolio.
• Review of loan applications and analysis of credit information to assess member's credit worthiness.
• Implement strong risk assessment frameworks to maintain portfolio quality and ensure compliance on loan policies & procedures.
• Provide advice, guidance, training and mentorship to micro-groups, lending staff at the branch level regarding micro-credit and agri-business loan policies and procedures, credit analysis, financial statement evaluation, and credit investigations.

• Proactive and initiative
• Excellent interpersonal and communication skills for engaging diverse stakeholders
• Self-motivated and ready to work with minimum supervision
• Team player

• Bachelor's degree in Finance, Accounting, Economics, or relevant Business related field or CCP Finalist.
• Professional certification such as CPA, ACCA, CIFA or CCP qualification will be an added advantage.
• At least 5 years practical experience in a reputable financial institution preferably in credit management/Agri-business financing/Micro group lending environment.
• In depth knowledge of agricultural value chains, climate-smart agriculture, rural finance & Micro-group lending.
• KCSE mean Grade C (plain) with C plain in Mathematics and English.
• Above 30 years.