Credit Administration Manager at Caritas MFB
Job Purpose
To oversee the credit administration function by ensuring
efficient loan processing, proper documentation, compliance with credit
policies, and effective monitoring of the loan portfolio to minimize risk and
support sustainable growth.
KEY RESPONSIBILITIES
- Ensure
compliance with CBK and Microfinance Act regulatory requirements and other
regulations
- Responsible
for ensuring a strong portfolio quality and control of the credit book by
providing support to the branches on credit matters.
- Risk
management through monitoring and administration of credit performance
using credit scoring, appraisal reports and monitoring customers’ credit
rating with credit reference agencies.
- Responsible
for credit administration by setting terms of credit and ensure timely
repayment by customers.
- Disbursement
of loans according to the approved terms ensuring that all loan account
balance, commissions, and interest are properly calculated.
- Preparation
of IFRS 9 reports, ISAS39 reports and other management reports as well as
periodic returns to Central Bank of Kenya and credit reference bureaus
- Management
of a database and loan listings of all loans received into the department
- Ensure
all income is collected as per the approved terms
- Track
credit facilities for all newly approved credit relationships within
agreed terms of lending and time frames
- Track
credit facilities for all newly approved credit relationships within
agreed terms of lending and time frames
- Provide
oversight on the normal and watch accounts and liaise with branch managers
to ensure remedial action is taken promptly
- Provide
leadership in performance management, employee development, talent
management and building a work environment that drives high performance
and employee satisfaction through coaching and mentorship.
- Oversee
overall management of the credit processes within the bank policies and
guidelines to minimize lending risks.
- Champion
and embed culture of compliance to procedures and best credit practices
- Preparation
and review of MOUs for institutional business
- Ensure
automation and review of loan appraisal processes
- Identification
and mitigation of credit exposures through external environment risk
assessment as per the prudential guidelines
- Designing,
reviewing and updating a risk-based model for the Bank
- Ensuring
proper securities perfection and registration process
- Manage
loan migration by ensuring zero arrears on all performing credit
Facilities.
- Maintain
an up-to-date register for all securities including valuations and
insurances, and their maintenance in the banking system as well as safe
custody of the same as per the control procedures
- Improving
digital loan platforms, loan management systems and other related systems
- Preparation
and reconciliations of the loan disbursement report
- Supporting
both internal and external Audit exercise including regulatory Audits
- Analyse
credit propositions as allocated and recommend for approval
- To
perform any other duty as assigned in line with the organization goals and
objectives
- To
perform any other duty as assigned in line with the organization goals and
objective
QUALIFICATION AND EXPERIENCE REQUIREMENTS
- Holder
of bachelor’s degree in BCOM or a Business-related field.
- MBA
will be an added advantage
- Professional
qualifications such as CPA, CCP or CIFA etc
- Not
less than 5 years in credit administration and extensive knowledge of
- lending
products and prudential guidelines.
- Good
knowledge in debt management will be an added advantage ·
- Ability
to lead teams and deliver business results.
- Must
be self-driven; possess excellent administrative, communication and
interpersonal skills, strong organization, and negotiation skills.
How to Apply
Interested candidates who meet the criteria above are
encouraged to send their application letters and detailed CVs to: Email: recruitment@caritas-mfb.co.ke. Kindly
indicate the position title on the subject line when applying. Closing date for
application will be 18th April 2026. Only shortlisted candidates will be
contacted. For more information, please visit http://www.caritas-mfb.co.ke.
Branch Manager at Caritas MFB
Reporting to the Head of Retail, the Branch Manager will be
responsible for achievement of business targets and effective management of
branch operations within regulatory framework and the Bank’s policies and risk
guidelines.
KEY RESPONSIBILITIES
- Develop
new business opportunities by proactively marketing for lending/deposit
opportunities from current and prospective clients.
- Provide
leadership in performance management, employee development, talent
management and building a work environment that drives high performance
and employee satisfaction.
- Entrench
a risk aware culture and develop risk self-assessment capability to
identify, evaluate, mitigate and monitor.
- Build
and maintain relationship with customers to the mutual benefit of both the
customer and the bank
- Maintain
good quality loan book by ensuring arrears on normal and watch accounts
are collected promptly
- Entrench
measurable and meaningful customer service standards and practices
- Ensure
Compliance with the Bank’s policy, control guidelines and procedures
- Manage
and monitor budget for the branch
- Collect
market information from competitor products and levels of service.
- Ensure
that customer service standards are set and maintained in line with the
requirements of each market segment.
- Ensure
that customer complaints are monitored, trends and root causes identified
and addressed at source to prevent recurrence
- Ensure
that customer needs are anticipated and met through provision of
appropriate products and services via the most suitable channel.
- Ensure
that opportunities to migrate customers to more appropriate,
cost-effective channels are identified and actioned.
- Ensure
efficient, customer-orientated switchboard and telephone procedures.
- Conduct
a needs analysis to identify customer needs effectively when opening new
accounts or giving product advice.
- Complete
disclosure to the customers in terms of accreditation, service fees, and
commission.
- Ensure
that laid-down instructions are adhered to by all areas under control.
- Identify
major risks affecting the support function and ensure the necessary steps
are taken to measure, monitor and control these risks.
- Monitor
internal controls to ensure their adequacy and effectiveness.
- Recommend
revision of controls to Operations, where appropriate, to address new or
previously uncontrolled risks.
- Develop
micro market sales plans to achieve responsive sales budgets/targets for
branch.
- Gain a
sound understanding of the different local market segments in the branch’s
area of operation.
- Manage
the sales tracking system and provide coaching and feedback to the team.
- Coach
the sales team on product knowledge and making the most of cross-selling
opportunities.
- To
perform any other duty as assigned in line with the organization goals and
objective
QUALIFICATION AND EXPERIENCE REQUIREMENTS
- University
degree- Upper second class Honors
- Relevant
professional qualification in banking – AKIB/ACIB
- 4
years’ experience in business development
- Comprehensive
knowledge of bank’s laid-down policies and procedures relating to all
areas under control.
- Knowledge
of the Retail Banking value proposition.
- Knowledge
and understanding of the Area sales and service strategies.
- Must
be self-driven; possess excellent administrative, communication and
interpersonalskills, strong organization, and negotiation skills.
How to Apply
Interested candidates who meet the criteria above are
encouraged to send their application letters and detailed CVs to: Email: recruitment@caritas-mfb.co.ke.
Kindly indicate the position title on the subject line when applying. Closing
date for application will be on 17th March 2026 Only
shortlisted candidates will be contacted.
Digital Financial Services Officer at Caritas MFB
Job Purpose
The incumbent will be responsible for championing the
adoption, utilization, and growth of digital channels at the branch level while
ensuring excellent customer and relationship management, regulatory compliance,
and reduction of dormancy across digital channels. The role focuses on
onboarding, training, supporting customers, and driving digital transaction
growth in line with the bank’s digital transformation strategy
KEY RESPONSIBILITIES
- Onboard
and support customers, agents, and merchants on all Digital Financial
Services, including Mobile Banking, Internet Banking, Agency Banking, Lipa
na Caritas, Caritas Pay Portal, ATM (Debit and Prepaid Cards), and Caritas
Chama.
- Conduct
customer, merchant, and agent training to promote adoption, usage,and
self-service across all digital channels.
- Recruit,
onboard, and monitor agents and Lipa na Caritas merchants to ensure
compliance, operational efficiency, and sustained activity.
- Drive
growth in digital channel registrations, active usage, merchant
acquisition, and transaction volumes.
- Implement
initiatives to reduce dormancy by reactivating inactive customers and
promoting continuous use of digital platforms.
- Champion
migration of transactions from branch counters to digital channels to
improve efficiency and customer convenience.
- Provide
first-level support for digital channel issues and escalate technical or
operational matters as required.
- Train
branch staff and support internal capacity building to ensure effective
promotion and support of digital channels.
- Monitor
performance of digital channels, agents, and merchants and provide regular
performance reports to branch management and Head Office.
- Ensure
compliance with internal policies and regulatory requirements relating to
digital financial services, agency banking, and merchant payments.
- Prepare
and submit accurate and timely regulatory and management reports as
required.
- Promote
customer retention through effective relationship management and excellent
service delivery.
- Ensure
all SLAs relating to different partners and channels are met.
- Support
account acquisition and growth through digital onboarding initiatives.
- To
perform any other duty as assigned in line with the organization goals and
objective
QUALIFICATION AND EXPERIENCE REQUIREMENTS
- Bachelor’s
degree in business, Finance, ICT, or related field
- Minimum
of 1–3 years’ experience in banking, digital channels, agency banking, or
related role
- Knowledge
of digital channels in banking setup and regulatory requirements is an
added advantage
- Must
be self-driven; possess excellent administrative, communication and
- interpersonal
skills, strong organization, and negotiation skills.
How to Apply
Interested candidates who meet the criteria above are
encouraged to send their application letters and detailed CVs to: Email: recruitment@caritas-mfb.co.ke.
Kindly indicate the position title on the subject line when applying. Closing
date for application will be 16th March 2026.
Operations Officer at Caritas MFB
The Operations Officer will be responsible for ensuring the
management and control of operations in the branch to deliver operations
efficiency, compliance control and customer service. Key responsibilities and
accountabilities include.
- Cash
Management at the Teller and Vault
- Branch
cheque clearing management
- Enforce
adherence with compliance and control procedures
- Implement
service standards and practices to ensure excellent customer service
- Ensure
adherence to budget and identify opportunities for cost efficiency
- Ensure
that there is income leakage
- Provide
leadership in performance management, employee development, talent
management and building a work environment that drives high performance
and employee satisfaction
- Entrench
a risk aware culture and develop risk self-assessment capability to
identify, evaluate, mitigate and monitor.
- Ensure
customer Queries, Requests or Complaints are handled within the defined
Service
- Level
Agreements (SLAs) and Turn Around Time (ATM, Mobile Banking, Queue
Management)
- Ensure
that the Work environment meets the Health and safety standards and
regulations and reflects the brand identity
- To
perform any other duty as assigned in line with the organization goals and
objective.
QUALIFICATION AND EXPERIENCE REQUIREMENTS
- A
University Degree in a Business-related field
- Diploma
in banking, CPA qualifications
- 3
years’ experience, 1 of which must be in cash management
- Good
communication and interpersonal skills
- Able
to multitask
- Knowledge
of back-office procedures and processes
How to Apply
Interested candidates who meet the criteria above are
encouraged to send their application letters and detailed CVs to: Email: recruitment@caritas-mfb.co.ke.
Kindly indicate the position title on the subject line when applying. Closing
date for application will be 17th October 2025.
Call Center Agent at Caritas MFB
JOB PURPOSE
- To
efficiently handle customer transactions, maintaining customer
satisfaction, maximize revenue collection and manage risk while
cross-selling bank products to achieve branch profitability.
KEY RESPONSIBILITIES
- Welcome
and attend to customers at the branch, responding promptly to inquiries
and resolving complaints effectively.
- Accurately
record and document all customer feedback, including complaints and
compliments.
- Proactively
engage customers with inactive and dormant accounts to encourage
reactivation
- Assist
customers with account opening procedures, ensuring all required
documentation is completed.
- Conduct
KYC (Know Your Customer) and AML (Anti-Money Laundering) checks to verify
customer identity and shared information
- Identify
and report any suspicious, potentially fraudulent customers or activities
- Distribute
bank product flyers and introduce key features to customers, ensuring
proper follow-up
- Cross
sell bank products to existing customers to increase product usage level
- Co
ordinate agent visits.
- Efficient
execution client’s instructions and follow up
- Collect
and relay customer feedback from customers
- Ensure
the banking is well stocked with promo material and necessary stationery
- Management
of turnaround time on customer queries
- Queue
management in the banking hall
- Ensure
the customer experience is commendable at all times.
- Monitor
the ambience and cleanliness of the banking hall through the day
- Facilitate
applications of channels as requested by the customer
- Coordinate
the postage of parcels from branch to designated recipients and back
- Responsible
for basic office supplies such as stationery, water etc
- To
perform any other duty as assigned in line with the Organizational goals
and objectives.
QUALIFICATION AND EXPERIENCE REQUIREMENTS
- Degree
in a Business Management, Accounting, Finance or Business Administration.
- Professional
banking qualifications will be added advantage.
- 2
years’ work experience in a bank will be added advantage.
- Excellent
customer service skills
- Able
to multitask.
- A fast
learner
- Good
communication and interpersonal skills
- Good
marketing and People management skills
- Must
be self-driven; possess excellent administrative, communication
andinterpersonal skills, strong organization, and negotiation skills.
How to Apply:
Interested candidates who meet the criteria above are
encouraged to send their application letters and detailed CVs to: Email: recruitment@caritas-mfb.co.ke
Kindly indicate the position title on the subject line when applying. Closing
date for application will be 30th August 2025. Only shortlisted candidates will
be contacted.
Debt Recovery Officer at Caritas MFB
JOB PURPOSE
- To
assist in executing debt recovery strategy in reducing the Non-Performing
Accounts (NPA) portfolio at the same time report on NPAs (Write offs,
Collections, Security Cover etc.) on a regular pre-determined basis
KEY RESPONSIBILITIES
- Keep
tracking outstanding debts.
- Plan
course of action to recover owed money.
- Locate
and contact debtors through structured field visits.
- Negotiate
payoff deadlines and payment plans, enforce remedial measures such as
restructuring or legal action to be undertaken.
- Handle
customers’ questions or complaints.
- Identify
gaps in the system and recommend solutions.
- Build
trust with debtors.
- Update
account status and database regularly.
- Comply
with requirements when legal action is unavoidable.
- Keep
updated records of debtors unwilling or unable to pay and report to
supervisor on the same.
QUALIFICATION AND EXPERIENCE REQUIREMENTS
- Degree
in a Business Management, Accounting, Finance or Business Administration.
- Professional
banking qualifications will be added advantage.
- 2
years’ work experience in a bank as a debt collector will be added
advantage.
- Experience
in working with targets and tight deadlines.
- Knowledge
of relevant legal requirements
- Good
knowledge of MS Office and databases
- Good
negotiation and persuasion skills
- Team
player
- Good
time-management skills
- Great
interpersonal and communication skills.
- High
integrit
How to Apply:
Interested candidates who meet the criteria above are
encouraged to send their application letters and detailed CVs to: Email: recruitment@caritas-mfb.co.ke
Kindly indicate the position title on the subject line when applying. Closing
date for application will be 30th August 2025. Only shortlisted candidates will
be contacted.
Teller at Caritas MFB
JOB PURPOSE
- To
efficiently handle customer transactions, maintaining customer
satisfaction, maximize revenue collection and manage risk while
cross-selling bank products to achieve branch profitability.
KEY RESPONSIBILITIES
- Process
cash deposits, withdrawals, and payments accurately and efficiently.
- Receive,
verify, Authenticate, call back and processing thereof of all instructions
delivered at the branch. Eg RTGS, TT, FDR, Forex conversions, stop
payments and other customer instructions
- Handle
cash, cheque, and electronic transactions in line with set procedures.
- Balance
cash drawer at the beginning and end of the day and ensuring any anomaly
is reported as per the policy
- Ensuring
vault procedures of the bank are observed.
- Assist
customers with account inquiries and product information.
- Promote
and cross-sell bank products and services to clients.
- Detect
and report suspicious transactions in line with anti-money laundering
(AML) guidelines.
- Ensure
compliance with internal controls, operational procedures, and regulatory
requirements.
- Maintain
a high level of customer service by addressing customer needs
professionally and promptly.
- Distribute
bank product flyers and introduce key features to customers, ensuring
proper follow-up
- Efficient
execution client’s instructions and follow up
- Cross-selling
the Bank’s range of products and services to existing and new customers
and acquire new active accounts/Business.
- Safe
custody and management of Cards and cheque books
- Collection
of All service charges as per bank tariff to ensure Nil income leakage.
- Facilitating
activation of dormant and in operative accounts
- To
perform any other duty as assigned in line with the organization goals and
objective
QUALIFICATION AND EXPERIENCE REQUIREMENTS
- Degree
in a Business Management, Accounting, Finance or Business Administration.
- Professional
banking qualifications will be added advantage.
- 2
years’ work experience in a bank will be added advantage.
- Excellent
customer service skills
- Able
to multitask.
- A fast
learner
- Good
communication and interpersonal skills
- Good
marketing and People management skills
- Must
be self-driven; possess excellent administrative, communication and
interpersonal skills, strong organization, and negotiation skills.
How to Apply:
Interested candidates who meet the criteria above are
encouraged to send their application letters and detailed CVs to: Email: recruitment@caritas-mfb.co.ke
Kindly indicate the position title on the subject line when applying. Closing
date for application will be 30th August 2025. Only shortlisted candidates will
be contacted.
Senior Cybersecurity Officer
The Senior Cybersecurity Officer is a key leadership
position responsible for ensuring the security and integrity of the bank’s
digital infrastructure. The role involves designing, implementing, and managing
advanced cybersecurity measures to protect against internal and external
threats, ensuring compliance with industry regulations, and driving the
continuous improvement of the bank’s security posture. The ideal candidate will
have a deep understanding of the latest cybersecurity technologies, frameworks,
and practices, coupled with strong analytical and leadership skills.
Human Resources Business Partner
Reporting to the Head of Human Resources &
Administration, the successful candidate will be responsible for aligning
business objectives with management and employees and be the link between HR
department and the business. He will be the Talent acquisition Lead for the
Bank, oversee the learning and development of staff and be responsible for
tactical and operational execution of the various human resources strategies
and initiatives in line with internal HR policies and regulations, working in
collaboration with the different lines of business.
How to Apply
Interested candidates who meet the criteria above are
encouraged to send their application letters and detailed CVs to: Email: recruitment@caritas-mfb.co.ke.
Kindly indicate the position title on the subject line when
applying.
Closing date for application will be 28th July 2025.
Only shortlisted candidates will be contacted. For more
information,