Fosa and Credit Operations Team Lead

Roles and responsibilities:

Strategic Leadership and Department Supervision:

Provide strategic leadership and direction for the FOSA and Credit departments in line with the SACCO’s overall strategy.

Supervise and lead the FOSA and Credit teams to meet financial goals and enhance operational efficiency.

Drive the execution of the department’s strategic initiatives to grow the SACCO’s loan book, while ensuring minimal risk exposure.

Ensure the alignment of credit and FOSA activities with SACCO’s strategic objectives and targets.

Credit Management and Loan Book Growth:

Management of retirees and high net worth accounts

Provide technical support in credit management, ensuring the effective implementation of credit policies, procedures, and risk controls.

Grow a quality loan book by implementing strategies to increase loan uptake while minimizing non-performing loans (NPLs).

Monitor loan portfolio performance, identify risks, and implement corrective measures to ensure a healthy credit portfolio.

Lead efforts in timely recovery of amounts due, ensuring debt collection processes are efficient and compliant with credit policies.

Provide regular reports and analysis on loan book performance, credit risks, and recovery strategies to senior management.

Product Development and Review:

Lead the development and review of SACCO products to ensure they are responsive to the changing needs of members.

Analyze market trends and members need to propose new products or modify existing ones, ensuring competitiveness and relevance.

Collaborate with the marketing and business development teams to promote new and existing products to maximize member uptake.

Ensure the products offered align with the SACCO’s goals of financial inclusion, member satisfaction, and loan portfolio growth.

Customer Service Management:

Develop and implement member service standards to ensure a high level of customer satisfaction in FOSA and Credit operations.

Supervise front-office operations, including teller services, ensuring the accurate and timely handling of transactions such as savings, deposits, and withdrawals.

Resolve escalated member complaints related to loans, savings, and other services promptly and professionally.

Industries:Human Resources

Function: Others