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Acquire and manage B2B SME clients through prospecting, referrals, networking, and market outreach. Build client relationships, assess financial and business needs, recommend non-lending solutions, and promote financial services. Monitor portfolio performance, identify cross-selling opportunities, maintain portfolio quality, and achieve client acquisition and growth targets.

Manages operational risk within an MSME lending framework by conducting risk assessments, gap analyses, RCSA exercises, stress testing, control monitoring, regulatory oversight, and incident reporting. Develops mitigation strategies, business continuity plans, and crisis response procedures while promoting risk awareness through training. Leads stakeholder workshops, collaborates across departments, supports regulatory audits, analyzes risk trends, and provides actionable insights to senior management.

Analyze SME credit applications by evaluating borrowers’ financial performance, repayment capacity, business stability, and risk. Prepare credit memos, spread financial statements into credit models, calculate ratios and trends, verify documentation and background information, and coordinate with Relationship Managers to resolve missing details before Risk Department approval.

Assess organizational training needs, identify skill gaps, design and deliver onboarding, refresher, and soft-skills programs, and evaluate training effectiveness. The role manages schedules, participation tracking, performance reports, training events, external providers, vendors, and related invoices. It also supports training policy updates and coordinates internal and external learning opportunities across departments.

Leads end-to-end talent acquisition for back-office, business, managerial, and field roles. Responsibilities include sourcing, screening, interviewing, reference checks, offers, onboarding coordination, internal transfers, candidate database management, job description development, employer branding, talent mapping, workforce planning, and recruitment analytics. Partners with hiring managers, manages recruitment campaigns, advises on candidate selection, and ensures compliance with company policies throughout hiring processes.

Supervise microfinance credit portfolio analysis and monitoring. Assess portfolio quality, identify trends and risks, track indicators such as PAR, delinquency, collection efficiency, vintage performance, and concentration risk, and recommend corrective actions. Prepare portfolio performance reports, translate analysis into management insights, and present recommendations to senior leadership. The role also requires credit assessment, risk mitigation knowledge, strong Excel and data analysis skills, and preferably Power BI experience within microfinance, SME lending, banking, or financial services.

Acquire and manage B2B SME clients for lending products through prospecting, referrals, market research, and networking. Assess client needs, recommend financial solutions, prepare loan applications, and coordinate onboarding with Credit, Risk, and Operations teams. Monitor client financial performance, maintain portfolio quality, and achieve acquisition and growth targets.

Conduct field investigations and verification visits for SME clients, assessing business operations, financial activity, premises, inventory, documentation, and management practices. Identify discrepancies, fraud risks, and inconsistencies; prepare detailed reports supporting credit decisions; and collaborate with relationship managers, credit analysts, and risk teams while meeting compliance and turnaround requirements.

Reviews and verifies loan applications, income statements, tax returns, and other financial documents to assess borrower creditworthiness. Collaborates with loan officers and digital finance teams, conducts customer and business verification, ensures compliance with credit risk policies, identifies suspicious transactions, evaluates financial analysis quality, and prepares credit history and business performance reports.

Supports process and business excellence initiatives by improving workflows, documenting SOPs and policies, monitoring KPIs, coordinating business requirements, and ensuring governance adherence. The role contributes to strategic planning, product development assessments, management reporting, and continuous improvement efforts while supervising the Process and Business Excellence team.