Reporting to: The Chief Operating Officer

Key Roles and Responsibilities

The office holder will be responsible for overseeing all Back Office Service Activity (BOSA) operations and in particular, the following:


Credit Policy and Compliance


Oversee adherence to lending policies and procedures throughout the credit administration process within the SACCO.
Lead the development and enhancement of new loan products to meet market demands.
Implement, evaluate, and update credit management strategies and procedures in alignment with organizational goals.
Contribute to periodic reviews of the Credit Policy to reflect evolving business and regulatory requirements.


Debt Recovery and Risk Management

Plan, coordinate, and supervise debt recovery initiatives, implementing corrective measures for non-performing loans.
Manage relationships with external debt recovery agencies and institutions.
Ensure proper documentation and timely submission of legal evidence for court cases involving debt recovery, including witness preparation.


Financial and Operational Oversight

Prepare income projections for loan products and manage financial obligations within the loans department.
Evaluate and recommend training programs to enhance staff competency in credit operations.
Approve the release of securities/collaterals upon full loan repayment.
Conduct periodic credit assessments to determine the creditworthiness of applicants.


Reporting and Stakeholder Engagement

Provide regular updates to the CEO on loan portfolio performance, including actionable recommendations.
Collaborate with the Head of Finance to ensure compliance with policies and prudential standards.


Team Leadership and Performance Management

Establish departmental goals and oversee staff performance through appraisals.
Supervise, coordinate, and motivate the credit operations team to achieve targets.
Foster effective working relationships with other SACCO departments.
Perform any additional duties as assigned by management.




Required Qualifications and Experience

Academic & Professional Requirements

For appointment to this position, a candidate must have:


Bachelor’s degree in Finance, Accounting, Banking, Credit Management, or a related field.
Professional accreditation in Credit Management, CPA (K), CISA, CPS, or equivalent.
Registered with a recognized professional body in good standing.
Diploma in Cooperative Management is an added advantage.
At least 5 years in credit administration or loan management at a managerial level within a financial institution/SACCO.


Key Competencies & Skills


Strong analytical and problem-solving abilities.
Excellent communication, negotiation, and interpersonal skills.
Detail-oriented, self-motivated, and results-driven.


Personal Attributes


High integrity and ethical standards.
Member-centric approach with a passion for service excellence.
Ability to work under pressure and meet deadlines.


Successful applicant will be required to meet the requirements of Chapter 6 of the Constitution of Kenya and will be expected to present the following documents within the first 3 months of engagement.


Police clearance certificate (Certificate of good conduct).
Tax compliance certificate from Kenya Revenue Authority (KRA).
Clearance Certificate from Ethics and Anti – Corruption Commission (EACC)
Clearance certificate from Credit Reference Bureau (CRB)
Clearance certificate from High Education Loans Board (HELB)