Responsibilities

• Own and manage overall portfolio quality, ensuring PAR, arrears, and credit risk remain within approved appetite.
• Deliver the annual budget and P&L, driving revenue growth, cost discipline, and sustainable profitability.
• Direct end-to-end microfinance operations, from customer acquisition through disbursement, servicing, and collections.
• Ensure full regulatory, AML/CFT, and KYC compliance, and resolve audit and risk findings within agreed timelines.
• Manage liquidity, cash flow, and funding sources to support disbursements and maintain prudent leverage.
• Lead business development and market expansion, driving customer acquisition, cross-selling, and commercial targets.
• Champion digital lending initiatives, partnering with technology teams to strengthen decisioning, automation, and controls.
• Translate Group strategy into actionable operating plans, budgets, and execution milestones.
• Build and lead a high-performing management team through clear KPIs, coaching, and succession planning.
• Deliver accurate, decision-ready reporting to the Group CEO and Board on performance, risk, and strategic execution.

Qualifications

• Bachelor’s Degree in Finance, Accounting, Business Administration, Banking, Commerce (B.Com) or a related field
• 7+ years of progressive management experience
• Professional qualification/training in credit, finance, risk, banking, or microfinance
• Meaningful leadership experience in microfinance, banking, digital lending, or SACCOs

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