Internship | Job Vacancies at Incredo Finance

Credit Administrator at Incredo Finance

Closing on: Jun 13, 2026

The Credit administrator is responsible for assessing loan applications, evaluating the creditworthiness of individuals and businesses, and recommending lending decisions that align with the organization’s risk management policies. The role ensures that all credit facilities are processed accurately, efficiently, and in compliance with internal procedures and regulatory requirements.

ROLE OVERVIEW

Manage credit administration processes, including loan documentation, file perfection, and disbursement support.
Analyze the loan book and segment the portfolio to assess performance and risk exposure.
Identify emerging credit risks and provide recommendations to mitigate potential losses.
Prepare portfolio analysis reports and present key risk insights to management.
Support the implementation and monitoring of credit controls across the lending portfolio.
Work closely with sales, operations, and collections teams to maintain portfolio quality.
Maintain accurate records of credit assessments and lending decisions.

Credit Risk Analyst Qualifications:

Diploma or Bachelor’s Degree in Business, Finance, Accounting, Economics, or related field.
CPA qualification is an added advantage.
Minimum 3 years’ experience in a Microfinance Institution.
Experience in microfinance and micro-loan financing is highly desirable
Experience in credit analysis, loan processing, and financial services.

Skills & Competencies

Strong knowledge of credit analysis, credit administration, loan documentation, file perfection, disbursement support, and credit controls.
Excellent analytical and financial assessment skills.
Ability to analyze loan portfolios, identify trends, and evaluate portfolio performance.
Strong report-writing skills with experience preparing credit, portfolio, and risk reports for management review.
High attention to detail and accuracy.
Sound decision-making and problem-solving abilities.
Ability to work under pressure and meet strict processing deadlines.
High levels of integrity, professionalism, and confidentiality.
Good understanding of compliance and regulatory requirements within the financial services sector.

Head Of Credit at Incredo Finance

Designation: Head Of Credit
Reports to: Chief Operations Officer

JOB SUMMARY
The primary responsibility of the Head of Credit is to develop, implement, and continuously enhance the institution’s credit strategy, policies, procedures, and credit risk management framework to ensure sustainable growth of the loan portfolio, strong asset quality, profitability, and financial stability of the institution.

The incumbent will ensure that all lending activities are conducted within the institution’s approved risk appetite, regulatory requirements, and internal credit policies while supporting business growth objectives.

The role will provide leadership in all credit functions including credit origination, underwriting, credit approvals coordination, portfolio management, collections oversight, recoveries management, credit administration, monitoring and reporting, and continuous improvement of credit systems and processes.

The Head of Credit will work closely with Business, Operations, Risk, and Finance teams to ensure efficient credit delivery, strong portfolio performance, and an excellent customer experience.

This job reports to the COO and the incumbent shall function in accordance with applicable policies, procedures, and regulatory frameworks governing microfinance institutions.

KEY RESPONSIBILITIES

As a member of senior management, the Head of Credit shall support the COO and Executive Management in:

a) Strategic Credit Leadership

Developing and implementing the institution’s credit strategy aligned to overall business growth and sustainability objectives.
Supporting formulation of credit risk appetite and lending frameworks across all product lines.
Contributing to annual business planning through portfolio growth projections and risk analysis.
Ensuring credit policy alignment with regulatory requirements and industry best practices.

b) Credit Origination and Underwriting

Overseeing credit appraisal, underwriting, and structuring of loan facilities.
Ensuring high-quality credit decisions that balance growth, risk, and profitability.
Reviewing and recommending credit applications within delegated authority limits.
Ensuring proper analysis of customer financials, cash flows, and repayment capacity.
Maintaining consistency and integrity in credit evaluation standards across all lending channels.

c) Portfolio Management and Risk Control

Monitoring overall loan portfolio performance including PAR, NPLs, write-offs, and recovery trends.
Ensuring early identification and management of deteriorating accounts through effective early warning systems.
Overseeing restructuring, rescheduling, and exit strategies for high-risk accounts.
Ensuring compliance with credit covenants, limits, and internal risk controls.
Preparing periodic portfolio performance and risk reports for management and Board review.

d) Collections and Recoveries Oversight

Leading effective collections and recoveries strategies to minimize defaults and credit losses.
Ensuring timely follow-up on overdue accounts and escalation of delinquent cases.
Supporting recovery actions including restructuring, legal recovery, and asset repossession where necessary.
Strengthening collaboration with collections teams to improve repayment performance.

e) Credit Operations and Process Efficiency

Ensuring efficient end-to-end credit processes including application processing, approvals, disbursements, and monitoring.
Driving continuous improvement in credit turnaround time (TAT) and operational efficiency.
Supporting digitization and automation of credit workflows and reporting systems.
Ensuring proper documentation, file management, and credit records integrity.

f) Compliance, Governance & Reporting

Ensuring strict adherence to internal credit policies, regulatory requirements, and audit standards.
Maintaining a strong internal control environment within the credit function.
Coordinating internal and external audit engagements related to credit operations.
Preparing and submitting periodic credit performance, risk, and portfolio reports.

g) Leadership, Stakeholder Management & Capacity Building

Providing leadership, coaching, and mentorship to the credit team.
Working closely with Business Development, Operations, Finance, and Risk teams to support business growth.
Supporting staff training and capacity development in credit analysis and risk management.
Promoting a culture of accountability, performance, and ethical lending practices.
Performing any other duties as may be assigned by the COO or Executive Management.

JOB SPECIFICATIONS

Education Academic Qualification
• Bachelor’s Degree in Finance, Accounting, Economics, Business Administration, or related field.

Professional Qualifications / Membership to professional bodies.
• CPA (K), ACCA, or equivalent professional qualification is an added advantage.
• Training in Credit Management, Risk Management, or Financial Analysis is desirable.
• Proficiency in MS Office (Excel, Word, PowerPoint) and credit management systems.

Experience
Minimum of 5–7 years relevant experience in credit, lending, banking, or microfinance.

At least 2–3 years in a senior credit management or supervisory role.

Proven experience in credit underwriting, portfolio management, and recoveries.

Functional Competencies
• Credit risk analysis and financial assessment
• Leadership and team management
• Decision-making and problem-solving
• Portfolio and risk management
• Strong analytical and reporting skills
• Stakeholder management and communication
• High integrity and professionalism

Core Competencies
• Teamwork and collaboration
• Strategic thinking
• Planning and organization
• Accountability and results orientation
• Adaptability and change management
• Strong communication skills

NB.
INCREDO maintains a talented and diverse workforce that reflects the company’s commitment to fairness, equal opportunity and gender equality.
Applications should be addressed to:
The COO, Incredo Access Solutions LLC,
One-page Cover letter and Maximum 3-page CV

Job Category: Finance Manager

Job Type: Full Time

Job Location: Thika

Bancassurance Officer at Incredo Finance

Closing on: May 12, 2026

Duties and responsibilities:

Execution of day-to-day insurance operations, which entails new business development and cross-selling of insurance products, claims administration and documentation
Timely follow-up on renewals to ensure business retentions that would otherwise lead to income leakages.
Develop good working relationships with various Departments, working closely with branches, the business development & credit team to generate insurance business and leads through their customers.
Ensure customer inquiries are resolved promptly as per laid-down policies and procedures.
Champion insurance products training at the Branch level to sensitize both staff and customers on insurance products.
Ensure compliance with all regulatory and internal procedures in regard to Bancassurance business
Providing timely and accurate quotations within the turnaround times.
Gathering market intelligence to ensure updated product range.
Identifying client needs and recommending suitable insurance solutions.

Knowledge; Skills and Experience required for this Role

Excellent communication skills, both oral and written.
Computer literate and possessing excellent presentation skills.
Extensive knowledge and experience in Bancassuarance in a MFI.

Academic qualification

Bachelor’s degree in a Business-related field.

Over 3 years’ experience in an MFI.
Understanding of and experience with Insurance products and processes

Problem Solving

Excellent analytical, problem identification and solving skills.

Job Category: Bancassurance Officer

Job Type: Full Time

Job Location: Thika

IT Digital Marketer Intern at Incredo Finance

IT Digital Marketer intern

Digital Marketing Skills · Content Creation
Analytical Skills
Communication & Organizational Skills

(JKUAT Graduates Preferred)
How to Apply:

Send your resume to jobs@incredo.co.ke.

Applications close on the 16th August 2025

Credit Analyst Intern at Incredo Finance

At Incredo, a Credit Analyst Intern should combine analytical thinking, financial knowledge, and attention to detail to help assess the creditworthiness of clients and support lending decisions.

Some of the core essential qualities include:

Analytical Skills

Ability to interpret financial statements, cash flow data, and credit reports.
Critical thinking when evaluating client risk profiles.
Comfortable with numbers, ratios, and data comparisons.

Financial & Business Knowledge

Basic understanding of lending principles, credit risk assessment, and loan products.
Awareness of industry-specific risks (e.g., SME lending, asset finance, agriculture loans).
Familiarity with credit scoring and risk grading methods.

Attention to Detail

Accuracy when reviewing applications and documents.
Identifying missing or inconsistent information in client records.
Thoroughness in report writing and data entry.

Communication Skills

Can explain credit decisions clearly to supervisors or colleagues.
Able to ask clients the right follow-up questions for missing details.
Good written skills for preparing summaries and reports.

Integrity & Confidentiality

Maintains strict confidentiality with client data.
Demonstrates honesty and professionalism in all dealings.
Avoids bias in assessments and follows policy guidelines.

Problem-Solving Mindset

Can identify ways to reduce risk while enabling viable loans.
Suggests alternatives or mitigations for borderline applications.
Uses logical reasoning to support recommendations.

Learning & Adaptability

Willing to learn financial analysis tools and credit systems.
Keeps up with company policies, regulations, and market trends.
Adapts to different lending scenarios or client profiles.

ROLE OVERVIEW

For Incredo Finance, a Credit Analyst Intern could:

Assist in reviewing loan applications and verifying documents.
Support in preparing credit appraisal reports.
Learn the process of risk assessment for different loan types (Boresha Kilimo, SME loans, logbook loans).
Help improve turnaround time for loan approvals