Investment Analyst – MSME Loans and Impact Funds at Fanisi HR Solutions

Job Description

Fanisi is a HR consulting and management company that guides enterprises in setting up management and development of their workforce.

Key Responsibilities

Due Diligence and Evaluation

Conduct thorough due diligence on potential financial service providers (FSPs) and SME loan applicants, including financial analysis, risk assessment, and evaluation of their track record. Prepare detailed reports and recommendations for the Investment Director and the investment committee.

SME Loan Management

Assist in managing the MSME loan portfolio Evaluate MSME eligibility Support the Investment Director in overseeing the MSME window to ensure alignment with program objectives.

Loan Disbursement

Assist in the preparation and review of loan agreements and documentation. Coordinate with FSPs (financial service providers) and MSMEs to ensure timely and accurate disbursement of funds to the beneficiaries and participants. Monitor the use of funds to ensure compliance with the terms of the agreements and contracts.

Impact Assessment

Develop and implement metrics to evaluate the social and financial impact of disbursed funds. Collect and analyze data on the effectiveness of the funds in achieving the desired impact, particularly focusing on youth employment, gender, location and others as per program guidelines. Prepare impact reports for internal and external stakeholders.

Collections and Risk Management

Monitor loan repayment schedules and track payments. Identify and address early signs of repayment issues to mitigate risks. Develop and implement strategies for effective collections and manage default cases.

Reporting and Documentation

Maintain accurate and up-to-date records of all disbursements and collections. Prepare regular financial and impact reports for review by the Investment Director and other stakeholders. Assist in the preparation of presentations and reports for the investment committee and external partners.

Stakeholder Engagement

Work closely with FSPs, MSMEs, beneficiaries, and other stakeholders to ensure smooth operations and communication. Conduct field visits to peri-urban communities to gather firsthand insights and feedback

Continuous Improvement

Identify areas for improvement in the disbursement and collection processes. Recommend and implement process enhancements to improve efficiency and impact.

Qualifications and Skills

Bachelor’s degree in Finance, Economics, Business Administration, or a related field. A Master’s degree or relevant certifications is a plus. Minimum of 3-5 years of experience in investment analysis, financial services or impact investing. Experience in microfinance, SME lending, or working with peri-urban communities is highly desirable. Strong analytical and financial modeling skills. Proficiency in using financial analysis software and tools. Excellent written and verbal communication skills. Strong interpersonal skills and the ability to work collaboratively with diverse stakeholders. Attention to detail and strong organizational skills. Ability to travel to peri-urban communities as needed.