Category: Operations
Job Description
SUMMARY
Focuses on the growth of Savings and credit clients by
mobilizing savings accounts, developing, managing and maintaining a
high-quality loan portfolio and on reaching the maximum portfolio caseload for
his/her credit and savings product. The ARO participates actively in credit
committees and has a credit committee voting right. The ARO participates
actively on arrears committees.
The ARO provides, according to FINCA’s mission, financial
services to lowest-income entrepreneurs, reaches out to potential clients, to
mobilize savings in terms of numbers and volume from the field and provides
loans to qualifying prospects. The ARO manages the loan accounts by closely
monitoring repayment behaviors and client’s socio-economic situation. The ARO
maintains a high-quality portfolio and manages its sound growth based on
performance targets and detailed working plans. The ARO is responsible for
overall management of his/her savings and credit portfolios.
ESSENTIAL DUTIES AND RESPONSIBILITIES include
the following. Other duties may be assigned.
- Products/Services:
Market all FINCA products and services to potential clients by using
promotional tools and mechanisms approved by FINCA’s management. This
includes responsibility for generating savings clients for subsidiaries
that are regulated.
- Savings: Responsible
to achieve the personal savings monthly targets both, in numbers and
volumes. Follows up and make sure that the accounts activated under own
portfolio are actively used by the customers; Responsible for acquiring
savings potential customers and guaranties the follow up process for
opening accounts. Responsible for planning activities and events to the
purpose of maintaining relationship with Top Savers Customers and maintain
customer’s relationship at all the time; ARO must have excellent savings
product knowledge and other competitors in the market, as well as its
his/her responsibility to stay updated with the changes related the
products’ features that might occur and provide a transparent information
to the potential customer.
- Loans
operations/portfolio management: Responsible for full lending
cycle of loan initiation, processing, monitoring, repayments and recovery.
Select clients, provide detailed products and services information,
conduct client evaluation, collect all the necessary documents and check
their accuracy, present credit proposals at credit committees based on the
client risk assessment, and process loans documentation. Explain to
clients all the details of the disbursement and repayment process.
- Record
keeping: Compile credit files and all necessary documents, hand over
to back office staff for processing.
- Reporting:
Prepare and present reports as required by the ARS
- Compliance:
Ensure that each loan is disbursed in compliance with FINCA lending
procedures, policies and methodology at all stages of loan processing.
COMPETENCIES
- Customer
Service: Ensure clients receive the best service; maintain good
relations with clients, and timely respond to the needs of existing
clients.
- Business
Acumen - Understands business implications of decisions; Displays
orientation to profitability; Demons Research and develop new business
opportunities within assigned geographical zone. Assist the marketing
department in market research and impact studies upon request.
- Problem
Solving - Identifies and resolves problems in a timely manner;
Gathers and analyses information skilfully; Develops alternative
solutions; Works well in group problem solving situations; Uses reason
even when dealing with emotional topics.
- Interpersonal
Skills - Focuses on solving conflict, not blaming Maintains
confidentiality; Remains open to others' ideas and tries new things.
Manages difficult or emotional customer situations; Responds promptly to
customer needs as per guidelines in the Customer Service Manual. Meets
commitments.
- Teamwork -
Balances team and individual responsibilities; Contributes to building a
positive team spirit; Puts success of team above own interests; Able to
build morale and group commitments to goals and objectives; Supports
everyone's efforts to succeed.Maintain a good relationship with the staff,
and pursue additional training as warranted.
- Motivation -
Sets and achieves challenging goals; Demonstrates persistence and
overcomes obstacles; Measures self against standard of excellence; Takes
calculated risks to accomplish goals.
- Planning/Organizing -
Prioritizes and plans work activities; Uses time efficiently; Plans for
additional resources; Sets goals and objectives; Organizes or schedules
other people and their tasks; Develops realistic action plans. Partner
with ARS to develop weekly and monthly action plans with regard to savings
and credit clients, deposits mobilization and loan disbursements and other
individual performance goals.
- Quality -
Demonstrates accuracy and thoroughness; Looks for ways to improve and
promote quality; Applies feedback to improve performance; Monitors own
work to ensure quality.
Job Requirements
EDUCATION AND EXPERIENCE
- 2
years of experience working in a client-facing sales role, in educational
profession or in agricultural field is highly desired.
- Basic
mathematics and analytical skills required, writing, reading and
comprehension skills, attention to details.
- Strong
customer orientation.
- Diploma
or Bachelor Degree preferred.
LANGUAGE SKILLS
- Proficiency
in both English and Swahili language
KEY PERFORMANCE INDICATORS
- Meet
a minimum number of savings clients and portfolio as defined by the
Supervisor
- Maintain
the savings portfolio Average Savings Balance as defined by the Supervisor
- Reduce
the number of Dormant Accounts to meet minimum standard
- Execution
of Personal Sales Plan and savings targets
- Meet
the number of borrowing client, PAR and loan portfolio as defined by the supervisor
TRAVEL REQUIREMENTS
- Availability
to travel 70 % of the available time
PHYSICAL DEMANDS
- Ability
to travel in economy class when traveling by air or rail
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