With 75 years of experience, our focus is on helping the most vulnerable children overcome poverty and experience fullness of life. We help children of all backgrounds, even in the most dangerous places, inspired by our Christian faith.

Come join our 31,000+ staff working in nearly 100 countries and share the joy of transforming vulnerable children’s life stories!

Employee Contract Type:

Local - Fixed Term Employee (Fixed Term)

Responsibilities or duties

Core Supervision and Leadership

• Supervise and monitor daily activities of Relationship Officers
• Lead and manage a team to achieve savings, insurance and lending targets
• Provide coaching, mentoring and field support to staff
• Conduct regular performance evaluations and recommend promotions or terminations
• Build and maintain a strong and harmonious team environment
• Identify and develop emerging talent within the team

Sales and Business Growth

• Lead marketing efforts for savings, insurance and loan products
• Drive achievement of targets on disbursements, portfolio growth, portfolio quality, savings, insurance and client numbers
• Identify and recruit potential clients within the outreach area
• Support Relationship Officers in building a pipeline of borrowers
• Identify new business opportunities and support market expansion initiatives

Credit Oversight and Portfolio Quality

• Validate loan appraisals and client assessments before approval
• Conduct spot checks on individual clients and group meetings
• Ensure strong portfolio quality through close monitoring
• Enforce zero tolerance on missed loan repayments
• Monitor loan performance and take corrective action where needed
• Verify information related to defaults, business activities and risk issues

Operations and Compliance

• Ensure all activities comply with policies, procedures and regulatory requirements
• Oversee loan disbursement to ensure procedural compliance
• Ensure proper safekeeping of cash, documents and records
• Ensure accurate loan reporting in the core banking system

Customer Service

• Handle client complaints and ensure timely resolution
• Conduct client re-briefing during loan disbursement

Staff Recruitment and Training

• Identify staffing needs based on business requirements
• Plan and coordinate recruitment with relevant stakeholders
• Identify training needs for staff
• Plan and coordinate staff training programs
• Coach and mentor staff for performance improvement

Monitoring and Performance Management

• Monitor Relationship Officers’ performance daily
• Track performance of savings, insurance, and loan portfolios
• Take timely corrective measures to address performance gaps
• Ensure achievement of portfolio, client, profit, savings and insurance targets

Coordination and Stakeholder Management

• Work with management to develop and implement expansion and market penetration plans
• Develop rollout and scaling plans, including staffing, budget and projections
• Coordinate recruitment, onboarding and deployment of staff
• Liaise with IT for system setup and operational support
• Support management in business case development and growth initiatives

Reporting and Analytics

• Prepare and submit daily, weekly and monthly performance reports
• Analyse performance data and provide insights
• Take corrective actions based on analysis and share with stakeholders

Market Research and Impact Monitoring

• Lead market research and survey activities
• Coordinate and support impact assessments
• Collect and share lessons learned across the organisation
• Monitor social impact indicators, including outreach to women and children
• Identify improvement areas and new opportunities based on market insights

General Responsibilities

• Perform additional duties assigned by management

Academic Qualifications

• Bachelor’s Degree in Finance, Banking, Economics, Business Administration, Accounting, or any other related field from a recognized institution.
• Professional certifications in Microfinance, Credit Management, Risk Management, or Banking will be an added advantage.

Work Experience

• Minimum of 3–5 years’ experience in credit/loan operations, within a Microfinance Institution, Bank, or Financial Institution.
• At least 1–2 years’ experience in a supervisory or team leadership role.
• Proven experience in loan appraisal, disbursement, monitoring, and loan recovery procedures.

Technical & Professional Competencies

• Strong knowledge of credit analysis, cash flow assessment, and collateral evaluation.
• Sound understanding of lending policies, procedures, and regulatory requirements (BoT, internal credit policies).
• Experience in Portfolio at Risk (PAR) monitoring, delinquency management, and loan restructuring.
• Ability to analyze portfolio performance reports and take corrective actions.
• Proficiency in core banking systems, MIS, and MS Office applications (Excel, Word, PowerPoint).

Leadership & Management Skills

• Proven ability to supervise, coach, and motivate loan officers to achieve portfolio quality and growth targets.
• Strong skills in performance management, staff appraisal, and capacity building.
• Ability to enforce compliance with credit policies and operational procedures.

Behavioral & Personal Attributes

• High level of integrity, accountability, and ethical conduct.
• Strong analytical, decision-making, and problem-solving skills.
• Excellent communication, interpersonal, and reporting skills.
• Ability to work under pressure and meet strict deadlines.
• Customer-focused mindset with strong risk awareness.

Other Requirements

• Good knowledge of the local market and client business environment.
• Fluency in English and Kiswahili.

• Supervise and monitor daily activities of Relationship Officers
• Lead and manage a team to achieve savings, insurance and lending targets
• Provide coaching, mentoring and field support to staff
• Conduct regular performance evaluations and recommend promotions or terminations
• Build and maintain a strong and harmonious team environment
• Identify and develop emerging talent within the team
• Lead marketing efforts for savings, insurance and loan products
• Drive achievement of targets on disbursements, portfolio growth, portfolio quality, savings, insurance and client numbers
• Identify and recruit potential clients within the outreach area
• Support Relationship Officers in building a pipeline of borrowers
• Identify new business opportunities and support market expansion initiatives
• Validate loan appraisals and client assessments before approval
• Conduct spot checks on individual clients and group meetings
• Ensure strong portfolio quality through close monitoring
• Enforce zero tolerance on missed loan repayments
• Monitor loan performance and take corrective action where needed
• Verify information related to defaults, business activities and risk issues
• Ensure all activities comply with policies, procedures and regulatory requirements
• Oversee loan disbursement to ensure procedural compliance
• Ensure proper safekeeping of cash, documents and records
• Ensure accurate loan reporting in the core banking system
• Handle client complaints and ensure timely resolution
• Conduct client re-briefing during loan disbursement
• Identify staffing needs based on business requirements
• Plan and coordinate recruitment with relevant stakeholders
• Identify training needs for staff
• Plan and coordinate staff training programs
• Coach and mentor staff for performance improvement
• Monitor Relationship Officers’ performance daily
• Track performance of savings, insurance, and loan portfolios
• Take timely corrective measures to address performance gaps
• Ensure achievement of portfolio, client, profit, savings and insurance targets
• Work with management to develop and implement expansion and market penetration plans
• Develop rollout and scaling plans, including staffing, budget and projections
• Coordinate recruitment, onboarding and deployment of staff
• Liaise with IT for system setup and operational support
• Support management in business case development and growth initiatives
• Prepare and submit daily, weekly and monthly performance reports
• Analyse performance data and provide insights
• Take corrective actions based on analysis and share with stakeholders
• Lead market research and survey activities
• Coordinate and support impact assessments
• Collect and share lessons learned across the organisation
• Monitor social impact indicators, including outreach to women and children
• Identify improvement areas and new opportunities based on market insights
• Perform additional duties assigned by management

• Strong knowledge of credit analysis, cash flow assessment, and collateral evaluation.
• Sound understanding of lending policies, procedures, and regulatory requirements (BoT, internal credit policies).
• Experience in Portfolio at Risk (PAR) monitoring, delinquency management, and loan restructuring.
• Ability to analyze portfolio performance reports and take corrective actions.
• Proficiency in core banking systems, MIS, and MS Office applications (Excel, Word, PowerPoint).
• Proven ability to supervise, coach, and motivate loan officers to achieve portfolio quality and growth targets.
• Strong skills in performance management, staff appraisal, and capacity building.
• Ability to enforce compliance with credit policies and operational procedures.
• High level of integrity, accountability, and ethical conduct.
• Strong analytical, decision-making, and problem-solving skills.
• Excellent communication, interpersonal, and reporting skills.
• Ability to work under pressure and meet strict deadlines.
• Customer-focused mindset with strong risk awareness.
• Good knowledge of the local market and client business environment.
• Fluency in English and Kiswahili.

• Bachelor’s Degree in Finance, Banking, Economics, Business Administration, Accounting, or any other related field from a recognized institution.
• Professional certifications in Microfinance, Credit Management, Risk Management, or Banking will be an added advantage.
• Minimum of 3–5 years’ experience in credit/loan operations, within a Microfinance Institution, Bank, or Financial Institution.
• At least 1–2 years’ experience in a supervisory or team leadership role.
• Proven experience in loan appraisal, disbursement, monitoring, and loan recovery procedures.