Credit Manager – Micro Group Lending & Agri-business Loans Job Tower Sacco
Looking for a finance job in Kenya? Tower Sacco is hiring a credit manager to oversee lending operations and offer financial advisory services to micro- groups member. The role is based in Olkalou and professional certification such as CPA, ACCA are required
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.
- To ensure the attainment of Loan repayment & recovery department targets, objectives and management of PAR.
- Offer financial advisory services to micro- groups members, group leaders and farmers.
- Advise the Head of Credit on all matters relating to the department’s product development, debt management and loan recovery.
- Implement and maintain controls for underwriting, loan administration and collections of Micro group lending & agri-business loans.
- Any other duties that may be assigned by the Head of Credit or any other person in authority.
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.
How to Apply
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