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Role: Credit Analysis OFFICER
Deadline: 11th March 2026
Key Responsibilities:
-Review and submit credit requests for approval by HOCC in conformity with Credit Policy guidelines and requirements in liaison with the Business teams and to maintain a high standard of credit analysis
• Ensure that all credit requests and applications submitted comply with credit policy guidelines and where
there are breaches of policy, these have been identified, mitigated and approval obtained at the
appropriate levels.
• Ensure that all credit requests and applications submitted comply with credit policy guidelines and where
there are breaches of policy, these have been identified, mitigated and approval obtained at the
appropriate levels.
• Present credit requests to the HOCC for approval with all required documents and follow up on on
execution of approval terms and conditions
• Implementation of the credit, credit operations and human resource policy with respect to all lending’s by ensuring policy guidelines are always adhered to.
• Co-ordinate with Finance to ensure timely RTGS disbursement of loans after completion of security
perfection process
• Provides leadership in security and collateral perfection and custodianship
• Ensure that customers both internal and external have the best experience in collateral perfection and
retrieval
• Analyze loan correction documentation for compliance and approving the same in the system
• Execute joint registration for motor vehicles, execution charges and insurance on properties and motor
vehicles
• Support the Credit Manager on day-to-day operations of the Credit Department
– Co-ordinate with the service providers, to facilitate security perfection and filling
– Compile and consolidate monthly performance reports
Qualifications:
– A Bachelor’s degree in Business Management, Accounting, or a related field. CPA or ACCA certification is
an added advantage.
– 2-3 years of relevant work experience in business analysis.
– Strong proficiency in computer applications, with experience in core banking systems.
– Advanced skills in Excel and data analysis, along with a high level of computer literacy.
Competencies and personal attributes
• Strong interpersonal skills and ability to communicate effectively with staff at all levels
• Excellent organization and time management skills
• Ability to multi-task, learn new things and work in a fast-paced environment
• Dependability, initiative and attention to detail.
• Customer service orientation and commercial awareness
•Self-motivated and proven ability to motivate others
If your career aspirations match the requirements of this exciting career opportunity, please attach your
CV and fill in the job application forms through the Apply button at the bottom of this page by 11th March 2026 Your cover letter should explain what you believe you can offer Musoni, as well as current and expected remuneration and benefits. Only shortlisted candidates will be contacted.
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