Website: Website http://skillsglobal.co.ke

Primary Responsibility: The Credit Manager will reporting to the Chief Executive Officer and will be responsible for providing strategic leadership and technical support in credit management, reviewing non-performing assets book and developing appropriate strategies to ensure timely recovery of amounts due, with minimum loss exposure. 
Key Responsibilities
Provide leadership in development, implementation and review of credit management strategies
Oversee the entire lending process including continuously reviewing credit policy in line with changing trends
Provide appropriate inputs at Board and Management Committees’ level to ensure appropriate measures are taken to rectify any identified gaps in the lending process.
Critically review all non-performing facilities and develop appropriate strategies to ensure recovery of the amounts due in an efficient and cost effective manner.
Design and implement processes of monitoring and rehabilitating delinquent accounts, in order to ensure that PAR is below regulator’s recommended rate
Maximizing recoveries from written off accounts.
Ensure the recovery of outstanding amount and ensuring the process of realization of securities is handled procedurally in order to avoid delay through intermittent ligation while at the same time ensure that the defaulting client’s rights are respected in order to avoid potential risk exposure to society through litigation or adverse publicity.
Undertake periodic review of securities held against all non-performing facilities in order to ensure these are perfected and that no dilution happens during the debt recovery period.
Plan and coordinate the debt recovery process with various service providers (Lawyers, Valuers and Auctioneers) in order to avoid undue delay and recovery costs escalation.
For cases in court, ensure the relevant evidence in support of Sacco’s case is properly documented, shared with the key stakeholders in good time and ensuring these witnesses are well prepared with factual information for the relevant case
Providing periodic reports to Management and respective Board Committee on the recovery status of each non-performing facility, with clear recommendations on the way forward or closure.
Liaising with the Head of Finance to ensure appropriate adjustments are made to the provisions for bad & doubtful debts per the required guidelines in order to comply with IFRS requirements.
Motivate the credit team so that it can achieve set targets in line with business goals
Manage, supervise and coordinate the operations of credit operations
Qualifications and Competencies
Bachelor’s degree in Finance, Accounting, Banking or other related subject while professional qualifications in CPA and Credit Management will be an added advantage.
Minimum of 3 years’ relevant experience in credit administration or loan management gained from working at management level in the field of financial institution or microfinance
Strong analytical skills, excellent communication, negotiation skills and interpersonal skills, focused, self-driven and attentive to detail.

Primary Responsibilities
Reporting to the Audit Committee of the Board, the Internal Auditor will be responsible for facilitating the achievement of the audit functions objectives which should be consistent with the SACCO’s strategy and business goals.
 
Key Responsibilities
Formulate and implement internal audit strategies in line with the set business objectives
Conduct periodic independent assessments of the integrity of business processes, levels of compliance within laid down procedures and controls, formulate mitigating strategies and follow through to ensure that solutions are implemented.
Establishing and maintaining internal audit policies, standard and guidelines
Reviewing, evaluating and reporting on adequacy of laid down policies, procedure and controls
Evaluating and advising management and the Board on the adequacy of internal controls and procedures
Ensuring that recommendation by the external auditors and relevant authorities are implemented
Anticipating emerging issues and deciding how best to deal with them
Providing support and guidance to management on how to handle new opportunities
Preparing relevant reports to the Board as well as Management
Managing a variety of stakeholders and their expectations through regular communications.
Experience, Knowledge and Abilities
At least for THREE (3) years and exposure in designing and implementing internal control systems and reporting.
Creative, innovative, excellent communication, teamwork and interpersonal skills and high levels of integrity.
Ability to establish priorities, work independently, and must possess skill in using computer skills
Academic & Professional Qualifications
Bachelor’s degree in Accounting or Finance, CPA (K), ICPAK or IAA (K) member will be a requirement for the suitable candidate.