Micro Finance Marketing
Officers
Salary: 5,000 + Commission
We are a
Micro Finance organization established in 1980 and with two branches in Dandora
and Naccico branch
Purpose of
Job: To grow a high yield portfolio in deposits, loans and manage all client
relationships to ensure world class customer service and maximum returns.
Key Job Accountabilities
- Growth in number of new groups, chamas and individual clients accounts as per the set targets
- Growth in deposits through the chamas/group customers and others as per the set target.
- Growth in the loan book as per the set target
- Maintain a Quality Micro Loan Portfolio as per the set target
- World class customer service -Timely loan processing, disbursement and customer issues resolution-TAT
- Training the customers on savings as a culture to ensure they adopt savings as a culture in all the groups.
Key Responsibilities
Deposit mobilization
- Mobilize daily and weekly deposits as per the target.
- Ensure each saves on a weekly basis during the weekly group meetings through the weekly collection sheets
- Ensure each member deposits their weekly/monthly mandatory savings during the weekly group meetings.
- Generate daily pipelines which include high value savings and fixed deposits
- Ensuring micro transaction account utilization -all business proceeds to be banked through Wac.
- Monthly Customers training to include savings as culture.
Loan book growth and management
- Disburse daily to groups and individual clients as per the set targets.
- Generate weekly group meeting schedule to ensure all groups meet.
- Attending all the groups’ weekly meetings for arrears collection, training on savings and identifying the customers to be appraised in the week.
- Facilitating customer loan appraisal- each customer business and residential is visited by the officer and the groups screening committee.
- Daily Loan application processing and presentation at the Branch credit committee
- Monthly Customers training to include induction ie orientation seminar, product awareness
Customers growth
- Daily new customer recruitment for groups/ individual clients as per the set targets.
- Weekly follow-up on the new pipelines generated from the branch activation/marketing
- Daily marketing to prospective group or individual customers.
- Weekly customer growth from the bank partners
- Facilitate the Financial literacy training of the customers in the branch /sales centre
Default management/NPLS-PAR
- Review all the loans portfolio every Monday using the credit reports and develop the action points for the weeks arrears collection for individual customers and groups.
- Management of one day/week arrears through the daily monitoring of loans and collections..
- Relationship management – adhoc clients visits, calls, and complete documented visit call reports
- Undergo periodic staff training at the branch/sales centres on risk and default management.
- Reviewing all the cases for the disbursed micro individual cases and monitoring the customers for loan repayment, cross selling and business referrals.
Customer service
- 12 hour turn around for resolution of complaints
- Ensure that all the group and individual customers get their passbooks and are enrolled on the mobile platform after two weeks of registration.
- Ensure that all the groups open a group savings/chama account by the second week of account opening.
- Ensure that all the branch group customers hold a reconnection forum every quarter
- Ensure that each group has a collection sheet for savings collection and monitoring.
Qualifications and Skills Required.
- Diploma in marketing, microfinance or co-operative management
- Business management, Microfinance with a minimum of one year experience in micro finance a minimum.
Work Experience
- MUST have working experience of 1 year experience in sales in a microfinance institution
How to Apply
If you are
interested in the above position please forward your Cover Letter and updated
Curriculum Vitae to:
The Project
manager
P.O. Box
456 – 00516
Dandora –
Nairobi
Email: cwelfareagency@gmail.com
The closing
date shall be 4th July, 2014.
Please note
that only Short listed candidates will be contacted.