Credit Officer

Your mission at Sistema.bio:

The credit officer will be responsible for receivables risk management within the assigned region by ensuring monthly collection target is achieved, PAR 90 of less than 10% is achieved and credit committees are done within set timelines.

You’ll be in charge of:

• Ensuring the portfolio quality is achieved and maintained at the desired levels to minimize credit losses.
• Ensuring prompt collection on all due and past due accounts.
• Managing negative migration to worse loan bands and achieving monthly retention targets.
• Collaborating with other departments to ensure the first 3 installments are fully paid on time.
• Reviewing and analyzing all credit sales within the region and providing a credit decision within set timelines.

More about YOU:

• You possess a Bachelor's degree in a business related course or Diploma in credit management.
• You have a minimum of 2 years experience in traditional bottom-of -the-pyramid lending techniques, preferably in the microfinance sector.
• You have a track record in customer relationship management (e.g. negotiation skills, problem solving and conflict resolution).  
• You are highly familiar with typical income, expenditure and cash flow patterns of rural and peri-urban households in Kenya.
• You can collaborate with various teams.
• You have excellent organizational skills to manage multiple tasks, meet deadlines and prioritize work effectively.