Kray Microfinance Limited
Key Responsibilities
1. Loan Marketing and Client Recruitment
Conduct field mobilization to attract new clients in the assigned branch area.
Promote loan products to individuals, small businesses, and groups.
Conduct loan sensitization meetings and financial literacy sessions.
2. Loan Application and Appraisal
Guide clients through the loan application process.
Conduct thorough loan appraisals including field visits, business assessments, and home verifications.
Prepare and submit accurate appraisal reports to the supervisor for approval.
3. Loan Disbursement and Documentation
Ensure all necessary documentation is complete before disbursement.
Facilitate loan disbursement according to approved terms.
Capture disbursed loans in the system with precision.
4. Loan Monitoring and Recovery
Follow up on repayments according to agreed schedules.
Conduct daily monitoring of clients to prevent defaults.
Initiate recovery action in line with company policy for late or missed payments.
5. Portfolio Management
Maintain a high-quality loan portfolio with low PAR (Portfolio at Risk).
Track daily performance targets (disbursement, collection, client growth).
Maintain proper records of client interactions and payment history.
6. Customer Service
Build strong relationships with clients to encourage repeat business and referrals.
Address client queries and concerns promptly and professionally.
Qualifications and Skills
Diploma or Degree in Microfinance, Business Administration, Accounting, or related field.
At least 1 year of experience in credit or loan operations, preferably in a microfinance setting.
Strong interpersonal and communication skills.
Good knowledge of the local language and community.
High integrity and ability to work under minimal supervision.
Motorcycle riding skills with a valid license is an added advantage.
