Duties and Responsibilities

•	Develop and implement credit policies and procedures to manage and mitigate credit risk associated with Microfinance lending.
•	Conduct thorough credit assessments of Microfinance, including financial analysis, risk evaluation, and creditworthiness.
•	Conduct due diligence and recommend approval of credit applications based on established criteria and risk appetite.
•	Collaborate with the Head of Investments to structure credit facilities, including terms, covenants, and conditions, tailored to Microfinance needs and risk profiles.
•	Review and negotiate credit agreements, ensuring that terms are clearly defined and aligned with organizational objectives.
•	Support the structuring of credit deals by providing insights and recommendations on risk factors and mitigation strategies.
•	Collaborate with legal and compliance teams to ensure that facility/ies are structured and documented properly.
•	Manage and oversee a portfolio of Microfinance credit exposures, ensuring effective monitoring and reporting.
•	Develop and implement strategies to address underperforming credits and work with MFIs to resolve issues.
•	Provide regular updates and reports on credit portfolio performance to Management.
•	Track and analyze the performance of the portfolio, including MFI financials, repayment schedules, and overall credit risk.
•	Provide recommendations for portfolio adjustments or interventions based on performance metrics and risk assessments.
•	Communicate credit risk findings, recommendations, and status updates effectively to both internal teams and external partners.
•	Develop and implement best practices for credit assessment, risk management, and portfolio oversight.
•	Continuously review and enhance credit policies and procedures to improve efficiency and effectiveness.
•	Stay informed about industry trends, credit risk management practices, and regulatory changes to inform strategies and practices.

Key Requirements Skills, experience and qualification

•	Bachelor’s degree in business, commerce, finance, or a related field. A master’s degree in business administration or finance will be an added advantage.
•	Have professional certification such as CFA, CCP, or equivalent.
•	Have a minimum of 8 years of experience in credit management, including credit analysis, risk assessment, and portfolio management.
•	Have a proven track record of working with MFIs or in the microfinance sector, with a solid understanding of credit processes and risk factors.
•	Be able to demonstrate expertise in financial analysis, credit risk modeling, and risk evaluation.
•	Have exceptional communication and presentation skills, with proficiency in English.
•	Possess strong analytical and problem-solving abilities, with a strategic mindset and capacity to make informed decisions

HOW TO APPLY.

• 1. If you meet the above qualifications, skills and experience send CV urgently to jobs@baselinkedhrgroup.co.ke quoting the job title as the subject line on your email
• 2. Interviews will be conducted on a rolling basis until the position is filled.
• 3. Only the shortlisted candidates will be contacted.