Functions / Responsibilities / Experience:

• Create, Implement and manage the Sacco brand strategy.
• Create awareness on new and existing products.
• Product development and review.
• Co-ordinate and oversee the development of Sacco’s income generating services.
• Identify, explore and develop appropriate new business opportunities for the Sacco – in both income generating and service provision areas.
• Preparing proposals and presentations.
• Ensure high level of member service to ensure members loyalty and retention.
• Spearhead business development initiatives that are consistent with the Sacco’s overall strategy.
• Manage multiple business initiatives in a start-up environment.
• Revenue generation and strategic partnerships development and management.
• Build and manage a business development team.
• Manage complex contract negotiation and work with legal counsel as required.
• Win early customers with limited support.
• Be the driving force in the development of the work ethic, culture and values of the sales and business development group. Through personal example, establish the style and approach which will characterize the Company’s dealings with the marketplace
• Establishing and maintaining working relationships
• Communicating new product developments to prospective clients
• Overseeing the development of marketing literature
• Administering accounts and writing reports
• Providing management with market feedback.
• Any other duty as delegated

• Strong Marketing Skills,
• Strong communication and Negotiation skills.
• Good interpersonal skills.
• Planning and organizational skills.
• Good presentation skills.
• Complaints handling skills.
• Listening and questioning skills.
• Good in relationship building and maintaining.
• Excellent sales and marketing skills.
• High initiative and ability to work independently with minimum supervision,
• A person of high integrity and ethical behavior is a key requirement,

• University Degree in Business Management specializing in Marketing.
• At least 4 years’ experience in Sacco/financial management position.
• Experience in sales and marketing will be an added advantage.
• Computer skills (Ms Word, Excel);

1. Achievement of Business Sales targets
2. Low rate of staff turnover in the Company
3. High rate of customer retention and acquisition.
4. High Revenues in comparison to expenditure

• Processing, appraisal and approval of loans as per the credit policy and procedures.
• Preparation of monthly reports on loaning to the management.
• Preparation of delinquency reports as per SASRA requirements and underperforming loans reports.
• Reporting on loans demands to ensure adequate funding.
• Responding to members’ inquiries and complaints pertaining to loans and ensuring prompt communication to the members on their loans status.
• Ensuring that loans granted are promptly recovered and remitted together with interests thereon.
• Ensuring that all loans granted are adequately reported to the Insurance.
• Ensure timely collection of remittances and proper reconciliation of debtor accounts on monthly basis;
• Prompt notification to loanees and guarantors of the loans default and institute recovery measures
• Establishing causes of loan defaults and advising on remedial measures.
• Developing and maintaining a sound loan recovery system and credit management controls;
• Preparation of the budget for the department.
• Preparation of work plans, targets and periodic evaluation of staff performance appraisal within the department.
• Implementation of Audit and supervisory Committee recommendations.

• Strong Leadership Skills,
• Strong communication and Negotiation skills.
• Good interpersonal skills.
• Planning and organizational skills.
• Good presentation skills.
• Complaints handling skills.
• Listening and questioning skills.
• Good in relationship building and maintaining.
• Excellent sales and marketing skills.
• High initiative and ability to work independently with minimum supervision,
• A person of high integrity and ethical behavior is a key requirement,

• University Degree in Business Management
• Qualifications in Sacco operations, Diploma in Co-operative Management,
• At least 4 years’ experience in Sacco/financial management position.
• Certified credit management will be an added advantage.
• Two years minimum experience as a loans officer.
• Computer skills (Ms Word, Excel);

• Achievement of Loan targets
• Low rate of staff turnover in the Company
• High rate of loan repayment and maintenance of a quality portfolio.
• High Revenues in comparison to expenditure

Functions / Responsibilities / Experience:

•  Responsible for the organization’s investments and management of balanced investment portfolio.
• Responsible for the management, development and maintenance of a high performance team by providing good leadership and effective supervision and guidance of staff members under his/her charge.
• Responsible for the organization’s financial planning, forecasting and budgeting.
• Responsible for management of costs so as to achieve business growth as outlined in the strategic plan
• Responsible for supporting decision making through preparation, analysis and presentation of comprehensive, timely, reliable and compliant financial reports.
• Ensure effective implementation of financial and accounting policies and procedures.
• Management of the general and subsidiary ledgers in accordance with internationally accepted accounting and financial reporting standards and preparation of final accounts for audit.
• Prepare and analyze on a regular basis the Sacco’s business plans, budgetary estimates and provide explanations on variances.
• Provide support to all other functions to enhance organizational goals.
• Ensure proper planning and forecasting of Sacco operations.
• Prepare weekly, monthly and quarterly reports on performance of the Sacco to the board.
• Ensure compliance with statutory and regulatory requirements.
• Any other duty as delegated by the SACCO Board and Group Management.

• Strong Leadership Skills,
• Strong communication and Negotiation skills.
• Good interpersonal skills.
• Planning and organizational skills.
• Good presentation skills.
• Complaints handling skills.
• Listening and questioning skills.
• Good in relationship building and maintaining.
• Excellent sales and marketing skills.
• High initiative and ability to work independently with minimum supervision,
• A person of high integrity and ethical behavior is a key requirement,

• University Degree in Commerce/Finance /Accounting
• CPA ( K)
• Qualifications in Sacco operations, Diploma in Co-operative Management, Business Management, Microfinance, Marketing, Entrepreneurship or any other relevant field would be an added advantage.
• At least 7 years’ experience in Sacco/financial management position.
• Two years minimum experience with a reputed Sacco at Management level.
• Computer skills (Ms Word, Excel);

1. Achievement of SACCO strategic plan
2. Compliance with SACCO ACT.
3. Profit Realization.

• To lead a team of trained and resourceful staff to achieve the business goals
• Formulate a strategic financial plan encompassing directing and control process to enhance the overall business growth.
• Ensuring that there is  effective and  prudent financial controls and risk management procedures  in place to provide a sustainable assurance and improvement of the organisation assets,
• Strongly maximize income while reducing expenses.
• Formulating a  sustainable and cost effective  processes and  product development
• Promoting a positive ethical and corporate culture practises.
• Manage and prepare timely monthly, and year end accounts closure,
• Oversee and make sure that all accounting functions are thoroughly concluded to  presentation for auditing, and responding to correspondents thereon
• Maintain  an up to date financial position of the organisation
• In liaison with Credit Department give reports on P.A.R on a daily basis.
• Make sure that financial reports produced conform to IAS.
• Be a team player in development, nurturing and improving synergies within the institution to effectively attain the set objectives.
• Any other duty as delegated

• Strong analytical and interpretation  Skills,
• Strong communication skills.
• Good interpersonal skills.
• Planning and organizational skills.
• Good presentation skills.
• High initiative and ability to work independently with minimum supervision,
• A person of high integrity and ethical behavior is a key requirement,

• Bachelor’s degree in Bachelor of Commerce specialized in Finance;
• Must be a CPA (K)
• A Master’s degree in Business Administration is a significant advantage
• Over 5 years experience, at least 3 years at a senior level, in a large Financial Institution.
• Proven experience in financial planning and budgeting;
• Knowledge of Sacco software’s application used in lending.

1. Financial Controls and Reports.
2. Maximization of Revenues and reduction of expenditure.
3. Legal Compliance.
4. Cost Management.