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Role: RECOVERY OFFICER(S)
Deadline: 29th December 2025
-We are looking for suitable and qualified individuals to fill the position of Recovery Officer (s) in our various
branches
. The recovery officers will be expected to:
• Manage delinquent loan accounts above 90 days at different Branch locations and on need basis.
• Conduct monthly analysis of all loans accounts that are over 90 days arrears and recommend corrective
measures for recovery of all amount due.
• Participate in arrears committee meetings to find solutions to delinquent loan accounts above 90 days
assigned to him
• Investigate and thoroughly understand borrower’s problems, formulate strategies and solutions for
recovering delinquent accounts above 90 days
• Participate during the auctioning of collaterals by accredited auctioneers of Musoni within his/her
zone/area and report immediately to the Recovery Manager/Head of credit any unusual transactions or
suspected fraudulent activities by auctioneers.
• Follow up repayment arrangements for loans rehabilitated and actively monitor that the default does not
occur afterwards.
• Documenting and disseminating lessons to lending officers on common challenges, trends, gaps, and
high-risk arrears.
• Ensure the recovery exercise fully complies with the statutory regulations and guidelines.
• Liaise and monitor the execution of the recovery exercise by the third parties involved including
auctioneers, lawyers etc
• Any other credit related duties as may be assigned by Recovery Manager and/Head of credit.
– Diploma or bachelor’s degree in business studies or economics.
• At least 1 year of credit/recovery experience in a Financial Institution or Microfinance.
Competencies and personal attributes
• Strong analytical skills
• Quality focused & proactive individual able to effectively communicate ideas and solutions to customers
and colleagues at all levels
• Highly customer focused with high level of interpersonal and negotiation skills
• Proactive, flexible, and resilient team player
• Ability to multitask & work with minimum supervision
•The successful candidates will be required to travel frequently to different Branch locations and on short
notice.
Business Growth Manager( Muranga, Kericho & Kisumu )
In line with our growth and expansion strategy, we are looking for suitable and qualified individuals to fill the positions of Business Growth Manager(s) in our various branches. Reporting to the Chief Operations Officer, the Business Growth Manager will be expected to:
• Provide strategic leadership in daily branch operations, ensuring the achievement of branch targets while aligning with the company’s overarching goals.
• Drive business growth through achievement of high-performance standards by effectively supervising staff and ensuring a well-maintained and healthy loan portfolio.
• Foster business growth by marketing Musoni’s products and actively recruiting new clients to expand the customer base.
• Develop and implement innovative strategies to enhance customer retention and satisfaction.
• Address customer queries and resolve service complaints efficiently to uphold high service standards.
• Analyze customer feedback and introduce new techniques to improve client retention and overall satisfaction.
• Conduct regular visits to individual and group clients to address concerns, strengthen relationships, and ensure alignment with organizational goals.
• Manage delinquency effectively to maintain high portfolio quality and minimize risk exposure.
• Oversee general administrative duties to ensure the smooth functioning of branch operations.
• Ensure full compliance with company policies and procedures in all aspects of branch operations.
• Champion operational efficiencies in line with Musoni’s cashless, paperless, and data-driven business model.
• Build and nurture strong relationships with staff, clients, and external partners to support sustained growth.
• Inspire, coach, and develop branch staff, fostering a culture of excellence and ensuring the achievement of organizational objectives.
• Promote high staff productivity and retention by creating a motivating and supportive work environment.
• Monitor and enforce system controls to uphold operational integrity and compliance.
Qualifications, skills, and experience
• The incumbent must be Holder of Bachelors’ Degree in Business Management or equivalent from a recognized university.
• Minimum of 3 years Branch Management experience in a Microfinance Institution.
• Computer literacy and proficiency.
Competencies and personal attributes
• Strong data analytical and problem-solving skills.
• High attention to detail and accuracy.
• Excellent communication and interpersonal skills.
• Ability to multitask and work under pressure with tight deadlines.
• Strong interpersonal, management and demonstrable leadership skills
• Analytical thinker who can recognize trends and opportunities
• Demonstrated ability to build cohesive teams to achieve goals through teamwork
• Customer service orientation and commercial awareness
• Utmost professional integrity
Business Growth Officers
We are looking for suitable and qualified individuals to fill the position of Business Growth Officer(s) in our various Branches. Reporting to the Business Growth Manager, the Officer will be expected to:
• Drive the consistent expansion of the company’s product portfolio by actively marketing to targeted groups and individual clients.
• Develop strategic plans for product growth by identifying and engaging suitable clients and market segments.
• Educate clients on new product features, benefits, and requirements to enhance adoption and utilization.
• Conduct thorough loan appraisals, including financial analysis, and provide recommendations to the branch credit committee. • Build referral networks, explore alternative channels, and cross-sell products and services to achieve business growth targets.
• Foster trust, customer loyalty, and satisfaction by going the extra mile throughout the loan application and underwriting process.
• Conduct regular visits to client business premises during loan assessments and monitoring to ensure loan quality aligns with organizational standards.
• Analyze loan markets, identify potential prospects, and develop referral partnerships to grow the loan portfolio.
• 
Assess applicants’ financial status, creditworthiness, and collateral to determine loan feasibility and ensure compliance with policies.
• Review loan agreements to confirm accuracy and alignment with organizational policies and standards.
• Address and resolve customer complaints promptly to maintain high service standards.
• Monitor loan repayment schedules and ensure timely payments by clients. • Adhere strictly to the company’s credit and lending policies and procedures in all loan-related activities.
Qualifications, skills, and experience
• Diploma in business related discipline from a recognized college.
• A business-related degree will be an added advantage
• At least one year of relevant experience in Microfinance.
Competencies and personal attributes
• Excellent interpersonal skills.
• Ability to work with numbers, conduct analysis of information.
• Ability and willingness to follow up clients personally and with a keen eye on both financial data.
• Ability to make sound judgment and quick right decisions.
• Ability to build trust, value others, communicate effectively and drive execution.
• Self-motivated and proven ability to motivate others.
• Customer
satisfaction orientation and sales competencies.
Agents
Job Description
Key Responsibilities:
• Daily follow up on and collection of due/ overdue repayments from the attached list of
accounts
• Provide updates of follow ups in Musoni’s recovery system, and weekly reports of collection
activities to the supervising BDM, copied to the Credit Manager
• Deliver/assist with the delivery of notices/ summonses to defaulting borrowers
• Upon confirming that all notices have been duly served to any non-performing accounts,
recommend such accounts to be outsourced either to auctioneers or for legal debt recovery
• Submit a monthly report to the Credit Manager on the accounts collected, in order to be paid
a fee of 10% (inclusive of tax) of total collections made every month. Payments for collections
made with the assistance of external auctioneers will be discounted by 5%.
• Achieve recovery targets set at 30% of the total portfolio assigned to the agent(s).
Qualifications:
A minimum of 1 year experience in the Financial Services Industry.
Knowledge and Skills:
-Strong communication and interpersonal skills.
-Must have excellent problem-solving skills.
-Must be fluent (both written and spoken) in the local and English language.
-Ability to communicate clearly, professionally and effectively with team members and
customers; collaborative, influential and service minded personality.
-Must be very organized to handle multiple projects simultaneously.
-Ability to work under pressure and highly self-motivated.
-Demonstrate a high level of ethical commitment and trustworthiness