At Sistema.bio, your role will involve contributing to a meaningful mission by developing innovative biogas solutions that empower smallholder farmers to improve agricultural productivity and sustainability. You will collaborate with a dynamic team of experts to design, implement, and scale technologies that address critical challenges in renewable energy and climate resilience. Your responsibilities will include conducting research, creating technical documentation, and ensuring the successful deployment of systems that enhance energy access and waste management for farming communities worldwide. Additionally, you will engage with stakeholders, provide training, and monitor project outcomes to drive continuous improvement and impact.
The Credit Officer will oversee the facilitation of financing for farmers to procure and repay biodigesters, assessing creditworthiness to determine eligibility. They will ensure prompt loan collections while safeguarding a robust and compliant credit portfolio in adherence to Sistema.bio’s established credit policies.
You will oversee and manage the following responsibilities:
Credit Portfolio Management professionals are responsible for vigilantly monitoring and evaluating the performance of credit accounts to uphold timely repayments while ensuring a Probability of Default (Par) of less than 10%.
The incumbent will assess credit applications in adherence to established protocols, credit guidelines, and the borrower’s risk profile, ensuring decisions are rendered within a 72-hour turnaround time.
Field Recovery Activities include conducting on-site customer visits to address defaults, negotiating feasible repayment plans, and resolving obstacles to repayment, with the objective of achieving at least 80% of monthly collection targets.
Client Support and Engagement entails instructing clients about their repayment obligations, the scope of warranties, and the potential repercussions of non-payment, all while fostering high levels of customer satisfaction.
Loan Collections involves maintaining consistent payment schedules by guaranteeing timely installment payments, reactivating inactive accounts within the portfolio, and safeguarding the on-time payments of regular customers. Additionally, the role requires conducting in-person visits to customers with overdue balances to secure payments and consistently contacting clients to establish structured payment arrangements.
We forge productive partnerships with commercial, technical, and cross-functional teams to design customized credit solutions while maintaining full adherence to established credit policies and loan documentation standards.
More about YOU:
A Bachelor’s degree in Finance, Accounting, Economics, or a comparable discipline is required for this role.
With a minimum of four years of hands-on experience in last-mile lending, ideally within microfinance or the SACCO sector, you bring valuable expertise to the role.
You possess robust analytical capabilities and expertise in financial modelling, coupled with a comprehensive understanding of credit risk assessment and financial products.
You possess strong capabilities in both written and verbal communication.
You possess strong proficiency in utilizing credit analysis tools, financial software, and Microsoft Excel with expert-level efficiency.
You demonstrate exceptional attention to detail and possess a solid grasp of financial statements and accounting principles.
You possess a thorough understanding of relevant industry regulations and compliance standards.
Qualifications
BA/BSc/HND
Experience Required
4 years
