This role is designed to ensure EFL maintains competitive credit products that are able to respond quickly to market changes and – most importantly – meet the needs of our clients and target market (low-income entrepreneurs).
• The job holder is responsible for continuous review, improvement and development of products, credit analysis, delinquency management, and credit training.
• The job holder will need to ensure that team members have the capacity to deliver credit products in a highly efficient and profitable manner, in a market-led and mission driven approach.
• The CM will strive to ensure that the company presents characteristics consistent with a credit ethos that will win community trust, respond to client needs and raise client awareness regarding the opportunities that EFL credit products can provide.

KEY RESPONSIBILITY AREAS:
Specific Responsibilities:
• Cultivating a corporate credit culture which drives growth of the loan portfolio, delivers high customer satisfaction, follows customer protection principles, and enables EFL to meet its mission of improving livelihoods for low-income micro-entrepreneurs.
• Providing leadership and clear focus for EFL employees engaged in delivery of credit products and services.
• Developing strategies (staffing, product, process, marketing, etc.) to enable portfolio growth and client outreach in existing and new regions.
• Ensuring strong portfolio quality for group and individual loans, balanced alongside the need to reach the unbanked or financially excluded with unconventional methodologies.
• Implementing and continuously updating processes and methodologies for core credit products to ensure they remain client attractive and market focused, coordinating with the Marketing Department to incorporate research findings as needed.
• Identifying staffing needs and actively participating in the recruitment process for credit staff.
• Building credit staff competency, providing coaching, designing courses and conducting training where required.
• Working directly with staff in order to ensure strong quality of credit operations, and implementation of credit policies and procedures.
• Participating in the evaluation process for branch staff, especially Regional Managers.

PERSONAL SPECIFICATIONS:
Education & Certifications:
• A Bachelor’s degree in business administration, commerce, Economics, Microfinance, Development Economics or any other relevant business-related course from a reputable university.
• MBA is an added advantage.

Essential Knowledge and Experience:
• 6 years of relevant experience, 3 in banking or credit (retail development focused).
• Strong credit analysis skills and experience.
• Experienced in development of credit growth strategies, policies and procedures at a senior level.
• Exposure to microfinance desired.
• Excellent communication and negotiation skills.
• Candidates must be knowledgeable in computer applications, especially MS Office, and should be aged below 35 years of age.

Other Skills & Competences:
• Should be honest, well organized, results oriented and reliable.
• Should be a team player and a self-starter.
• Should be self-motivated, innovative with a passion to achieve steep targets.
• Should possess a strong personality and dynamism.
• Should be able to work effectively in a fast-paced environment and under pressure.
• Should demonstrate commercial awareness and ability to manage costs and maximize income for the organization.
• Should have ability to plan, organize and prioritize work.
• Possess a work ethic that includes neatness, punctuality, attention to detail and accuracy.
• Excellent interpersonal skills to facilitate interaction with the clients and other staff.