Job Description

Job Vacancy: Risk & Credit Officer

The Risk & Credit Officer will work with the Chief Finance Officer to design, implement, and scale credit sales for a range of products.

These include farming inputs that reduce cost and increase revenues for farmers.

Main Responsibilities: –

• Evaluate and advice on client’s ability to pay based on analysis of their finances.


• Follow up with credit customers on repayments and ensure Accounts are up to date.


• Obtain credit information from credit reference bureaus on customer credit history to assist in decision making.


• Reporting to partners and management on the portfolio.


• Creation and implementation of credit policies and procedures.


• Monitoring the portfolio including follow up of non-performing loans, liaising with credit review bodies and analysis plus recommendation of the same.


• Analyze, advise and ensure recovery of defaulted loans.


• Undertake timely recovery actions through effective communication and negotiate with customers on their past due facilities while ensuring that subsequent actions on the facilities, if required, are not unduly delayed.


• Ensure effective loan collection and default management policies and procedures are in place.


• Maintaining records of all outstanding Loans.


• Enhance the client experience through accurate and timely resolution of client issues.


• Training staff on credit management of our portfolio to ensure proper vetting of clients by all relevant departments.


• Ensure compliance with the lending policies and guidelines.


• Regular update of the credit policy based on industry trends and developments.


• Any other duties as may be assigned.

Qualifications, Experience and Skills.

• Bachelor’s degree in finance, banking, economics, statistics or related field.


• Credit certification will be an added advantage


• At least 3 years’ credit experience in a in credit and preferably from an MFI/bank and in Agriculture lending.


• Candidates with experience in the microfinance sector will have an added advantage.

Application Details

If you feel you are a good fit for this role, please send your CV to executivesearch@humantalentrecruit.com by 17th January, 2020.

The forwarding e-mail must clearly indicate the job title on the subject line

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