1. POSITION: Loan Officers : 35 posts
REPORTING: Branch Manager
LOCATION: Dar es Salaam, Geita, Mwanza
Job Summary:
Loan Officer is responsible with marketing and recruiting potential clients for assigned products and maintains portfolio quality and client retention. A Loan Officer will work on set targets from the Supervisor.
Job Description:
Market and recruit potential clients for assigned products
Evaluates loan applications and documentation by confirming credit worthiness of the client
Prepare appropriate loan applications and documentation by informing the applicant of additional requirements
Approves/ rejects loans by issuing checks or forwarding application to the loan committee
Respond to customer inquiries timely
Retain potential clients and ensures smooth services to the clients
Achieve monthly targets as set by supervisor.
Job Requirements:
Diploma/ Advanced diploma/ Bachelor in accounts, finance, marketing, economics or any relevant qualifications
Experience in financial services is an added advantage
Excellent mathematics and communication skills and ability to work on a team and independently
Demonstrated ability and skill to manage results
Interested in this position please Send your CV and cover letter to [email protected]
2. POSITION: Branch Managers: 4 posts
REPORTING: Regional Manager
LOCATION: Dar es Salaam, Geita, Mwanza
Job Summary:
The Branch Manager is responsible for planning, implementing and managing all branch level financial/operational activities in a manner that the branch operates profitably and efficiently.
This individual is directly accountable for the growth of the business; achieving the branch’s financial/operational goals in terms of number of customers and the portfolio.
Job Description:
Responsible for clientele growth and maintain portfolio quality of the respective branch
Conduct market research to determine potential products for the particular branch
Ensure that team and individual targets are met while maintaining portfolio quality, customer satisfaction, employee satisfaction and profits
Develop and maintain highly disciplined and professional personnel
Conduct performance appraisals for Supervisors and other personnel in a fair manner as scheduled
Job Requirements:
Degree in related field desired, not required
Diploma, Advanced diploma, Degree or masters in business administration, finance, accountancy, commerce or any related field.
Minimum 4 years work experience on microfinance
Minimum 2years of work experience on similar position
Good Interpersonal skills & prefer in good at English proficiency
Computer literacy
High level of integrity
Interested in this position please Send your CV and cover letter to [email protected]
3. POSITION: Regional Manager
REPORTING: Head of Operations
LOCATION: Dar es Salaam
Job Summary:
Regional Manager is responsible for driving growth in terms of clientele and portfolio and managing portfolio quality for the entire growth. The focus of the position is to ensure smooth operation of the entire region and enhance capacity of all staff within the region.
Job description:
Loan Portfolio management of Branches in the respective region
Conduct market research to determine potential products for the particular region and support the expansion of regional product and services.
Supervise and evaluate branch staff (BMs and Supervisors) and lead staff to meet organizational goals and promote organization culture
Conduct frequent field visits to identify irregularities if any and solve problems immediately
Advocates and coordinate with government authorities
Maintain transparent budgeting and fund management of the branch.
Prepare Business Plan, work plan and budget for the targeting regions
Maintain proper credit discipline
Make report of operation, financial report, and any necessary reports assigned by Upper manager
Participate in recruiting the field staffs
Maintain, train and develop Loan Officer
Responsible for the recognizing & observing/training, cash withdrawal & deposit, loan disbursement, repayment collection and all kinds of financial management in branch level.
Recommend of loan proposal for approval
Sign all vouchers prepared for accounts on a daily basis on behalf of BM if the BM are not available
Perform any other responsibilities as assigned by Head of departments.
Job Requirements:
Degree or masters in business administration, finance, accountancy, commerce or any related field.
Minimum 6 years work experience on microfinance
Minimum 3 years of work experience on similar position
Good Interpersonal skills & prefer in good at English proficiency
Computer literacy
High level of integrity
Interested in this position please Send your CV and cover letter to [email protected]
4. POSITION: Internal Auditor: 1 posts
REPORTING: Head of Internal Audit
LOCATION: Dar es Salaam
Job Summary:
Internal Auditor is responsible for the overall direction, coordination, and management of the Audit office. The Internal Auditor will be responsible in developing and maintaining tools for audits including but not limited to forms, manuals, policies and procedures.
Responsible for the overall direction, coordination, and management of the Audit office.
Responsible in developing and maintaining tools for audits including but not limited to forms, manuals, policies and procedures.
Will lead the analysis of portfolio conduit, accounting records, assets records and books of original entries both in the office and in the field to determine whether accepted accounting procedures are followed in recording such transactions.
Prepares reports for the Audit Committee concerning the scope of audit, financial condition found, application and administration of funds within the company.
Job Requirements
Degree or masters in accounting and finance or any relevant field
CPA applicants are encouraged
Understanding of the microfinance lending methodology is an added advantage
Ability to write reports, procedure manuals and the ability to present information and respond to questions from managers and employees
Ability to carry out instructions and can perform in challenging environments
Interested in this position please Send your CV and cover letter to [email protected]
5. POSITION: Recovery Officers 4 posts
REPORTING: Branch Manager
LOCATION: Dar es Salaam
Job Summary:
Recovery Officer is to manage an assigned portfolio of loans in default using the TUJIJENGE loan collections and recovery framework.
Regularly review loans in default and initiate plans/strategies for recovery of those loans
Make recommendations to branch manager about the likelihood of recovering loans in default and whether legal action will be required;
Appraise and assess bad loan situations, prepare reports for the recovery manager and follow up cases of bad loans handled by bailiffs, auctioneers and lawyers
Track and analyse causes of and trends in loan delinquency and recommend appropriate corrective strategic actions
Ensure the PAR >30 ratios do not exceed 5%.
Master and ensure appropriate implementation of the TUJIJENGE loan collections and recovery framework protocols including department networking and skip tracing methods
Appropriately and effectively apply the protocols to work the loans in default as assigned
Display a persuasive and professional manner while encouraging borrowers and/or guarantors to repay their loans in a timely manner as contractually obligated.
Regularly locating/relocating, identifying and seeking contact with borrowers/guarantors in default(i.e. by personal visits, telephone or mail etc.) to remind them of their obligations and/or discuss and effect resolutions to their delinquency problems (i.e. payment, renegotiation, collateral seizure etc.) while simultaneously endeavouring to build and maintain good customer relationships
Completing and recording (collection activity report) regular borrowers in default contact and analysis/re-analysis of financial status followed by a comprehensive agreement for repayment of the loan/arrears
Job Requirements:
A Diploma/Bachelors Degree or Masters in business administration, accountancy, finance or any relevant filed.
minimum of four years of loan collections and recovery experience in the financial services sector
Strong people/relationship skills
Excellent oral and written communication skills in English and Kiswahili.
Interested in this position please Send your CV and cover letter to [email protected]
The deadline for submitting the application is 07 August 2021.
