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Banking Jobs in Kenya - Peer to Peer

Vacancy: Marketing Manager

Overview:
 Malaika Africa is a peer-to-peer lending platform which allows lenders to interact with creditworthy personal loan borrowers, so both receive a much better deal. Peer to Peer lending (P2P) offers both borrowers and lenders significant efficiencies over the traditional banking model.

By cutting out the large financial institution in the middle, lenders receive great returns and borrowers receive low cost, flexible personal loans. 
Key functions that the position will fill are:
  • Liaising and networking with a range of stakeholders including agents, customers, suppliers and partner organizations;
  • Communicating with target audiences and managing customer relationships;
  • Preparing and distributing company profiles and proposals to would be agents
  • Converting potential agents into fully funded agents of the company
  • Sourcing, presenting and signing up agents for the business
  • Maintaining and updating agents’/ client databases;
  • Conducting market research, for example using customer questionnaires and focus groups;
  • Contributing to, and developing, marketing plans and strategies;
  • Managing budgets;
  • Evaluating marketing campaigns;
  • Monitoring competitor activity;
General
  • Support the country team in evaluating new business channels, ad recommending solutions that would aid the business build a leading edge.
  • Produce weekly reports on all the above.
  • Perform any other duties that may be assigned from time to time.
Personal Attributes
  • Integrity and ability to work in a fintech
  • High Motivation
  • Self-starter-functional problem solver
  • Process discipline- Ability to follow SOPs

Vacancy: Collections Manager

Overview:
 Malaika Africa is a peer-to-peer lending platform which allows lenders to interact with creditworthy personal loan borrowers, so both receive a much better deal. 

Peer to Peer lending (P2P) offers both borrowers and lenders significant efficiencies over the traditional banking model.

By cutting out the large financial institution in the middle, lenders receive great returns and borrowers receive low cost, flexible personal loans.
Reporting to: CEO
 
Hours: 8:30 – 17:30, Monday- Friday and beyond when required
 
Location: Nairobi, with occasional local travel required

Purpose of the position:
 This role’s purpose is to lead and motivate the collections team in order to achieve collections targets, support the Chief Executive Officer in running the day to day operations of the business unit.

Working closely with support staff in monitoring data integrity on the systems, managing information flow between the different business functions and recommending improvements to credit and general business processes. 

This role is also responsible for administering the collections process, and assisting in the smooth, efficient and effective running of the lending process.

Responsibilities & duties
  • Leading and motivating the collections team in order to achieve collections target
  • Overseeing the effective collection of company debt, daily and monthly reporting of key performance indicators for the department
  • Managing relationships with the agents in order to reduce exposure to potential bad debt
  • Call center management functions including call monitoring and quality assessment
  • Implementation and maintenance of a set of comprehensive credit risk policies and procedures
  • Mapping out collection agents’ tasks and taking care of the team as well as managing KPIs
  • Subject Matter Expertise during recruitment and training of collection agents
  • Introduce and evolve effective operations and reporting assessment tools to minimize risk and proactively identify problem areas
  • Preparation of daily/weekly cash forecasts of customer collections.
  • Reporting to the Chief Executive Officer and finance team on write off accounts
  • Be responsible for the smooth running of the disbursement process through monitoring, examining and confirming disbursements on our mobile money platforms
  • Monitor disbursement capital levels on these platforms and report accordingly
  • Monitor the repayment rates across the entire network
  • Monitor the progress of all defaulters and take timely steps to contain the situation as per the credit policy and SOPs governing this process
  • Liaise with collection agencies and the branches in the collection and mitigation NPLs
  • Play a significant role in monitoring the integrity and completeness of data captured by the branch staff
  • Flag any discrepancies and seek swift clarity of these variance
Academic & trade qualifications
  • Undergraduate degree in Economics, finance, or a related subject
  • Msc. will be an added advantage
Work experience & skills
 
Essential
  • 5 to 7 years’ work experience in a similar position
  • Experience in leading a team
  • Experience in call center management
  • Strong written and verbal communication skills
  • Strong negotiation skills
Desirable
  • Experience working in a microfinance institution
  • Experience in mobile money
Personal qualities & behavioral traits  
  • Ability to perform multiple tasks simultaneously, employing effective time management and organizational skills
  • Ability to work independently and as a team to meet deadlines, goals and objectives
  • Excellent communication skills, both verbal and written
  • Strong client service orientation
  • Excellent critical thinking skills
  • Mature self-starter who takes initiative
How to Apply

If you are interested and meet the above requirements and competencies, kindly send your cv and cover letter detailing your suitability for the position applied for to careers@malaika-africa.co.ke

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