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• Work on a daily basis with the staff in
  the branches in close coordination with the respective RM.
• Make sure every branch staff understands
  his/her role in the BL Credit Manual (i.e. BL LOs, BL SPV, BM, CCO, BOS
  and teller) by holding meetings, giving individual explanations and
  granting individual training
• Mentor LOs on the loan analysis handbook
  by accompanying them at business and home visits, and other activities
  (such as follow-up and confiscation). Make sure LOs fully understand the
  loan analysis and are able to carry-out high quality assessments and well
  excellent loan proposals to the credit committee.
• Mentor the SPV and BM to assure they are
  able comply with their responsibilities, in particular their archiving,
  supervision and credit committee chairing role
• Be present in the CC to assure high
  quality CCs and good decision making, i.e. a active and critical level of
  discussion, compliance with approval ratios and understanding of the
  graduation principle (of rewarding and punishing depending on the credit
  history)
• Make sure the BL Credit Manual is well
  maintained and all BMs know how to coordinate all the feedback from the
  field staff for the policy update.
• Make sure BMs, SPVs and LOs use the BL
  Credit Manual as a working basis.
• Make sure all documents and forms which
  are required according to the BL Credit Manual are available to the
  respective branch staff in all branches. Interact with the administration
  department in case of problems to solve shortcomings. All BMs need to have
  a softcopy of all documents and forms on their computers and have to be
  able to print them.
• Oversee and control compliance to the BL
  Credit Manual by every branch staff; especially by LOs in regards to loan
  analysis and proposal, and by SPV and BMs in regards to approval
  restrictions (ratios), supervision duties, handover, clustering, archiving
  and SAS (PAR) and all other duties described in the BL Credit Manual
• Discuss and gather feedback for policy
  improvement with the branch staff and RM; channel the feedback to the COO
  for product improvement
• Control efficiency and effectiveness of
  the IL Credit Manual in the field and propose improvements to COO
• Identifying staffing needs and
  coordinating with the HRM and actively participating in the recruitment
  process for IL credit staff as either part of the hiring committee and/or
  hiring approval process
• Coordinating with the Training Manager to
  build credit staff competency, designing courses and conducting training
  where required
• Develop strategies for portfolio growth
  and client outreach in existing and new regions.
• Perform any other duties may be assigned
  where appropriate.

• Implement SME lending profile.
• Ensure the IL credit policy is up-to-date,
  understood by all employees, and properly implemented.
• Develop specific key market growth and
  outreach strategies and work with the COO (Head of Business) , Regional
  Managers, and Branch Managers to implement.
• Ensure information from marketing is acted
  upon to improve product policies and delivery.
• Staff Development
• Culture Change

• The applicant should ideally possess a
  Bachelors Degree in Business, MBA a plus
• The Credit Manager should have five or
  more years’ relevant experience, 3 of which in banking and credit
  development focused
• Excellent credit analysis skills and
  experience  
• Experience in the microfinance sector
• Computer literacy skills                                           

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