MICRO CREDIT OFFICER

Joinas DT Sacco Society Ltd is a licensed Deposit-Taking Sacco regulated by the Sacco Societies Regulatory Authority (SASRA). The Sacco is committed to providing innovative financial solutions that empower its members economically while delivering exceptional customer service. To support our growth and expansion strategy, we invite applications from suitably qualified, experienced, dynamic, and results-oriented individuals to fill the following positions: 

Key Duties and Responsibilities

• Market the Sacco's products and services onboard new members and groups in compliance with established policies and procedures.

 • Recruit, register, and onboard new members in compliance with established policies and procedures. 

• Conduct member training on Sacco products, services, policies, and basic business management skills. 

• Conduct member business appraisal and recommend loans for approval • Monitor loan portfolio performance, ensure prompt loan repayments, and actively support debt recovery initiatives to minimize delinquency. • Maintain quality loan and deposit portfolios in line with the Sacco's targets. 

• Prepare and submit daily, weekly, monthly, and quarterly performance reports. 

• Maintain accurate member records, including savings and loan information. 

• Provide excellent customer service to promote member retention. 

Qualifications and Experience

• Diploma or Bachelor's Degree in Finance, Accounting, Business Administration, Marketing, Economics, Cooperative Management, Cooperative Business or a related field. 

• At least two (2) years' experience in microfinance, SACCO operations, credit management, or a related financial institution. 

• Strong sales, marketing, and relationship management skills. 

• Good analytical and report-writing skills. 

• Proficiency in MS Office applications. 

• Knowledge of credit risk assessment and lending procedures. 

• Excellent communication and interpersonal skills. 

• Ability to work independently and achieve set targets. 

How to Apply

Candidates who meet the above requirements should either, drop their applications at JOINAS SACCO SOCIETY LTD offices or Send an Email to hr@joinassacco.com. Ensure to attach copies of academic and professional certificates, testimonials, detailed curriculum vitae and National ID not later than Friday 10th July 2026. Current and expected salary should be quoted in the application letter. Due to numerous numbers of applications received, only shortlisted candidates will be contacted. Applications should be addressed to: THE CHAIRMAN JOINAS SACCO SOCIETY LTD P.O BOX 669-00219 KARURI.