Internship | Job Vacancies at BRAC

Credit Officer (CO) at BRAC

Credit Officer (CO), BRAC Kenya Company Limited

(Western & Nyanza Regions)

• The Credit Officer is primarily responsible for initiating and managing all client-facing interactions in the field: identifying, selecting, and onboarding appropriate clients as per BRAC Kenya Company Limited (BKCL’s) mission and prioritising inclusion of participants from other BRAC programmes; initiating loan applications and credit appraisals within applicable turnaround times; coordinating timely loan disbursements; managing and facilitating group meetings as per set schedules; ensuring timely collections from clients as per set schedules; ensuring effective delinquency management in adherence to BKCL’s policies; and coordinating with the Customer Service Officer to log, resolve, and/or escalate client complaints.
• Across these responsibilities, the Credit Officer will adhere to the Client Protection standards, BKCL’s policies and protocols, and compliance requirements, to ensure high standards of customer service and satisfaction at each touchpoint of the client journey.  

Key Responsibilities:

​​​​​​​Client Selection and Onboarding

• Conduct product promotion activities at the individual, household, market, and community levels within demarcation limits, in collaboration with local leaders and relevant authorities, where needed, to clearly and accurately describe the value proposition of BKCL’s products and services, pricing and fees, and other terms and conditions
• Using the Digital Field Application (DFA) mobile app, conduct door-to-door household surveys in the demarcated area to identify eligible clients and generate leads as per set targets, with special focus on women, youth (aged 18-35), populations living in poverty, and participants of other BRAC programmes
• Prepare and submit member admission forms (exclusively on the DFA) for client onboarding and creation, ensuring completeness, accuracy, and authenticity of all information submitted, to facilitate verification of the client’s identity, phone ownership, credit risk score, and sanction and risk screening
• Maintain and ensure the accuracy of client records by promptly notifying the Branch Accounts Officer of any updates to the client profile and therefore any amendments to be made
• Adhere to Client Protection Standards in product promotion, and the collection and storage of client information, particularly but not limited to, transparency, and data privacy and confidentiality; ensure secure handling and responsible use of the assigned digital devices, maintaining data accuracy and confidentiality at all times

Group Formation and Facilitation

• Organise clients into groups for effective follow-up and administration, ensuring adherence to minimum and maximum group sizes; coordinate with the Branch Manager in the re-organisation of groups if they exceed maximum size
• Guide new groups in the setting up of group governance / administrative structures, such as group leadership (chairperson, treasurer, and secretary), setup of small groups and selection of small group leaders, group meeting days and locations, etc.
• Support the group chairperson in ensuring group discipline and attendance; track group meeting attendance (exclusively on the DFA) at the individual client level
• Coordinate with the Branch Manager for any transfers of existing clients into or out of the group, as well as for any group-requested changes to meeting days
• Effectively deliver Financial & Digital Literacy, and Life Skills Training (FLT) during group meetings to support the capacity-building of clients, tracking session attendance and completion rates at the individual client-level

​​​​​​​Loan Application Initiation and Processing

• Orient (and ensure timely communication with) prospective clients on information to be collected and documents to be submitted as part of the loan application process; ensure the customer record is up-to-date for repeat clients and make amendments as needed
• Input and submit loan application forms (exclusively on the DFA), ensuring completeness, accuracy, and authenticity of all information and any supporting documentation submitted
• As part of the loan application, conduct thorough credit appraisals for clients to propose appropriate loan amounts, balancing both client financial needs and prevention of over-indebtedness
• Participate in the Branch Credit Committee (BCC) meetings as required, proposing loans based on documented appraisal findings and ensuring completeness of documentation before BCC review
• In a timely manner, act on feedback from the BCC to ensure that loan documentation is complete and compliant

​​​​​​​Loan Disbursement Processing

• Leveraging available tools of work, orient clients in clear and simple language on the full terms and conditions of the loan (pricing, fees, deductions from the loan amount, client obligations, consequences of default, etc.) to enable them to make an informed decision prior to entering into a formal agreement
• With the Branch Accounts Officer, prepare and align on the disbursement sheets in advance of disbursement days, and prepare the disbursement file and passbooks for each client as necessary
• Support the Branch Manager in delivering in-person Pre-Disbursement Orientations (PDOs) for newly-onboarded clients prior on disbursement days
• Following loan disbursement to clients’ mobile wallets, cross-check that the appropriate amounts have been disbursed to the respective clients minus applicable deductions

Collections and Delinquency Management

• Provide continuous handholding to clients on the processes for making payments to BKCL through approved channels (M-PESA)
• At group meetings, verify loan installment payments made by each individual client against figures recorded on the system to confirm payments and identify mismatches; appropriately record / update client passbooks
• Monitor and follow up on clients with arrears, following the timelines / processes and in liaising with the relevant parties (guarantors, group members, etc.) as set out in BKCL’s lending policies and while also ensuring fair and respectful treatment of clients
• Actively prohibit group liability / contributions, ensuring that each client within the group is solely responsible for making only their own installment payments

Complaint Handling and Customer Service

• Manage and monitor client complaint handling at the branch level, ensuring that all client feedback and complaints are formally documented, escalated to the right individuals, and resolved within admissible timelines; ensure that clients are formally updated on the status of resolution
• Monitor and review trends in recorded feedback and complaints from clients, and raise them to respective field supervisors and the head office focal, as a means of guiding BKCL management on improvements that can be made to complaint handling processes and to BKCL’s overall business model
• At each touchpoint in the client journey, ensure timely, transparent client communication that is in clear and simple language understood by the clients; maintain an open channel with clients to respond to any queries
• Ensure fair, professional, and respectful treatment of clients at each touchpoint of the client journey
• Maintain the privacy and confidentiality of client information, and orient clients on their data rights
• Across all activities, adhere to the Client Protection Standards, BRAC values, BKCL’s policies / processes and operational standards, and compliance requirements to ensure efficient, consistent service delivery and a high standard of customer service

Reporting and Coordination

• In addition to any reporting or coordination responsibilities listed above,
• Work with the Branch Manager to set annual, quarterly, and monthly targets (relating but not limited to outreach to mission segments, new members onboarded, disbursements, realization, etc.); develop action plans accordingly and share regular updates on achievement against set targets
• Monitor and consistently drive outreach to BKCL’s mission segments as per set targets, specifically women, youth (aged 18-35), rural populations, populations living in poverty, and participants of BRAC Kenya NGO programmes
• Escalate any identified mismatches relating to client transactions to the Branch Accounts Officer and Branch Manager for timely resolution
• Identify and immediately escalate suspected fraud, misrepresentation, or document falsification during client onboarding and loan processing
• Participate and contribute to monthly meetings with all BKCL and BRAC Kenya NGO programme staff to share updates, highlight challenges and learnings, and discuss possible solutions

​​​​​​​Safeguarding

• Read, understand, and comply with BKCL’s safeguarding policy and procedures at all times
• Promote awareness of safeguarding standards within the branch and ensure safeguarding principles are applied in day-to-day activities
• Conduct all financial and client interactions in a manner that upholds dignity, respect, and protection of vulnerable individuals
• Immediately report any safeguarding concerns or reportable incidents in accordance with the established safeguarding reporting procedures
• Encourage colleagues to adhere to safeguarding standards and reporting requirements

Educational & Experience Requirements:

• Bachelor’s Degree / Diploma in Development Studies, Accounting, Finance, Banking, Business Administration, Commerce, Economics, or a related field.

Required Competencies:

• Good customer service skills, with experience in adult teaching methods considered an added advantage
• Ability to handle confidential client information with integrity and confidentiality
• Good organisational and documentation management skills
• Ability to work under pressure and meet strict deadlines

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Branch Accounts Officer (BAO) at BRAC

Branch Accounts Officer (BAO), BRAC Kenya Company Limited

(Western & Nyanza Regions)

The Branch Accounts Officer is responsible for managing all financial and cash operations at the branch level, ensuring accurate transaction processing, effective cash control, timely reconciliations, and compliance with BRAC Kenya Company Limited (BKCL) policies and regulatory requirements. The role supports loan disbursement and collection activities while safeguarding branch assets and maintaining strong internal controls.

Key Responsibilities:

​​​​​​​Core Banking System (CBS) Transaction Processing

• Accurately process and post loan disbursements, repayments, reversals, and other approved financial transactions in the Core Banking System (CBS).
• Verify completeness and authenticity of supporting documentation before processing any transaction.
• Ensure all transactions are properly authorised and comply with established maker-checker controls.
• Update client accounts promptly and ensure system balances reflect actual transactions processed.
• Maintain proper filing and documentation of all transaction records for future reference and audit purposes.

Branch Credit Committee & Loan Control Support

• Participate in Branch Credit Committee (BCC) meetings as required to provide financial verification and transaction readiness updates.
• Confirm availability of funds and system readiness prior to loan disbursement approvals.
• Verify that loan documentation is complete and compliant before processing approved disbursements.
• Ensure approved loan terms are accurately captured in the Core Banking System before release of funds.
• Maintain proper records of committee-approved disbursements for audit and tracking purposes.

​​​​​​​Digital Payment & Settlement Monitoring

• Monitor digital loan disbursements and repayments conducted through approved payment channels such as M-Pesa and bank transfers.
• Reconcile digital transaction reports from mobile money platforms and banks against CBS postings on a daily basis.
• Identify, investigate, and escalate any transaction mismatches, delays, or settlement discrepancies.
• Support the branch in maintaining accurate tracking of digital transaction flows to ensure smooth cashless operations.

​​​​​​​Daily Reconciliation & Financial Reporting

• Perform daily reconciliation of all branch transactions, including digital payments and physical cash transactions where applicable.
• Balance system-generated transaction reports with payment platform reports, collection summaries, and supporting documents.
• Complete end-of-day system closure procedures in accordance with established branch timelines.
• Prepare daily transaction summaries and submit required financial reports to the Branch Manager and Finance Department within stipulated deadlines.
• Assist in periodic financial reporting and month-end reconciliation processes.

​​​​​​​Cash Management

• Receive, verify, and disburse physical cash in line with approved operational procedures where hybrid transactions are required.
• Maintain custody of branch cash and ensure compliance with approved cash holding limits.
• Conduct daily opening and closing cash counts and reconcile physical cash with CBS balances.
• Maintain cash transaction registers and ensure secure storage of cash and financial instruments.
• Immediately report and escalate any cash shortages, overages, or irregularities.

​​​​​​​Expense & Payment Processing

• Process approved branch operational expenses in the CBS in line with BKCL policies and delegated authority limits.
• Verify supporting documentation prior to payment processing to ensure completeness and compliance.
• Maintain organised records of branch payments, vouchers, and supporting documents.
• Ensure timely settlement of approved financial obligations.

​​​​​​​Compliance & Internal Controls 

• Ensure adherence to BKCL financial policies, procedures, and internal control standards.
• Maintain accurate, complete, and audit-ready financial documentation at all times.
• Support internal and external audit reviews by providing requested records and clarifications
• Identify and report suspicious transactions or potential fraud risks to the Branch Manager and Finance Department.
• Promote ethical conduct and safeguarding standards in all financial operations.

​​​​​​​Customer Service & Client Account Support

• Provide professional and courteous service to clients during loan disbursement and repayment transactions.
• Respond to client queries related to account balances, repayments, digital transactions, and payment confirmations.
• Issue official receipts and ensure clients receive accurate transaction confirmation.
• Support resolution of transaction disputes or posting errors in coordination with Credit Officers and the Branch Manager.
• Maintain confidentiality and integrity of client financial information at all times.

​​​​​​​Branch HR & Administrative Support

• Act as the branch focal point for HR administrative matters in coordination with the Head Office HR team.
• Maintain updated leave records and attendance registers for branch staff.
• Consolidate and submit monthly payroll inputs (e.g., attendance, leave updates, allowances, deductions) to Head Office within stipulated timelines.
• Support onboarding documentation and maintain staff personnel files at branch level.
• Coordinate submission of staff expense claims and ensure proper documentation.
• Maintain confidentiality of staff records and sensitive information.
• Support communication of HR policies and administrative updates to branch staff.

​​​​​​​Safeguarding Responsibilities

• Read, understand, and comply with BKCL’s safeguarding policy and procedures at all times.
• Promote awareness of safeguarding standards within the branch and ensure safeguarding principles are applied in day-to-day activities.
• Conduct all financial and client interactions in a manner that upholds dignity, respect, and protection of vulnerable individuals.
• Immediately report any safeguarding concerns or reportable incidents in accordance with the established safeguarding reporting procedures.
• Encourage colleagues to adhere to safeguarding standards and reporting requirements.

Educational & Experience Requirements:

• Bachelor’s Degree / Diploma Accounting, Finance, Banking, Business Administration, Commerce, Economics, or a related field.
• CPA (Part I or Part II) or equivalent professional qualification is an added advantage.
• Membership or registration with a recognised professional accounting body is an added advantag

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Intern, Communications at BRAC

The Intern will support the communications team of BI MF in drafting collateral materials, copy-editing and maintenance of story bank, social media content creation, campaign planning, research, meeting coordination, and assisting in assignments and projects as needed.

Intern’s Responsibilities:

• Coordinate and take detailed notes during team meetings, ensuring timely documentation and follow-ups.
• Support the planning, coordination, and implementation of key communications campaigns, including Literacy Day, World Food Day, Financial Inclusion Week, and Customer Service Week.
• Assist in the development and maintenance of the BI MF story bank by compiling and organising client success stories, staff highlights, and impact narratives. 
• Upload, tag, and organise over 2,000 photos on PhotoShelter, applying accurate and consistent metadata to ensure images are easily searchable by country, theme, and product.
• Help track and organise communications assets, including the communications audit and the social media visibility plan.
• Provide support in drafting, editing, and uploading content to external platforms, including social media, in collaboration with the central team and the 7 entities.
• Assist in the annual strategic planning process for BRAC International Microfinance entities for 2026 with documentation and compiling inputs from country teams.
• Contribute to collateral production for BRAC Kenya Company Ltd, such as product posters, branch branding, pre-disbursement orientation, and financial literacy training.
• Provide support across the Knowledge Management and Communications team by taking meeting notes, assisting with team tasks, and supporting specific assignments as needed. Support the AIM Financial Inclusion Working Group with documentation, research, and coordination tasks.
• Provide general support across communications priorities as assigned by the supervisor, including ad hoc tasks and cross-departmental collaboration where needed.

Requirements:

Educational Background: 

• Bachelor’s student preferably from Communications/ Graphics Design/ Media Studies/ Journalism or any other relevant discipline (enrolled in last semester, all other courses should be completed)
• Recent Graduates from the relevant educational background (graduation completed not more than last 06 months – 01 year)

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Senior Manager/ Manager Youth Empowerment Programme at BRAC

About the Role:

The primary objective of this role is to provide technical and operational support to various countries across Asia and Africa on adolescent and youth-related programming. This position will offer hands-on technical support, develop operational guidelines, and strengthen the capacity of country teams while providing technical oversight and supervision to ensure the effective implementation of youth empowerment activities in projects such as the Mastercard Foundation Accelerating Impact for Young Women in Partnership with BRAC (AIM) and others. The incumbent will also play a key role in programme development for youth and integrated programs, support monitoring, learning, and advocacy efforts.

Key Responsibilities:

Support and quality assurance of youth empowerment activities

• Provide hands-on technical support to BI country teams, particularly AIM implementing teams, in planning and executing club-related activities and rolling out the life skills curriculum through standard operating procedures (SOPs) and curriculum development and rollout.
• Conduct periodic field visits and meetings with country teams to support implementation, and ensure the timely achievement of key project milestones.
• Establish a supportive supervision and monitoring system to regularly assess the progress, quality, impact, and effectiveness of youth empowerment interventions within BI programs.

Programme Development

• Work closely with country teams to continuously assess the context, needs, and opportunities, designing innovative youth programs to expand BRAC International’s portfolio across different countries.
• Participate in the project design process—both proactively and in response to calls for proposals—and contribute to the concept note and proposal development, including budget preparation for youth and integrated programs.
• Represent BRAC International in meetings with potential donors and partners to present the program strategy, approach, achievements, and learnings as required.

Support for Grants Management

• Participate in and support country teams during the grant kick-off process and regularly engage in grant review meetings involving youth empowerment interventions to ensure effective project implementation.
• Assist country teams with budget reviews, monitoring and donor reports, and the development of action plans. Ensure the successful execution and oversight of these action plans.

Capacity Building

• Collaborate with country program teams to assess capacity-building needs and plan, organize, and facilitate effective capacity-strengthening activities for staff involved in AIM and other youth empowerment projects.
• Create learning platforms to facilitate cross-country and cross-sector sharing of best practices to enhance the capacity of program staff.

Other Responsibilities

• Support the recruitment and onboarding of youth empowerment staff across different countries.
• Assist country teams in developing and maintaining strong relationships with key government stakeholders, donors, partners, and other relevant actors.
• Document and disseminate implementation experiences, knowledge, and learnings, representing the organization in relevant forums, conferences, and meetings to cultivate partnerships and engage in advocacy.
• Support country teams in actively participating in national and international advocacy efforts.

Safeguarding Responsibilities

• Implement programme decisions keeping the safety and dignity of programme participants/clients at the center, mitigate safeguarding risks and contribute to a safe working environment where staff are respected and feel confident to voice concerns without fear of retaliation.
• Participate in discussions on the safeguarding agenda in monthly meetings and actively voice concerns without fear.
• Report safeguarding incidents witnessed or experiences to the Safeguarding department. For known cases, maintain neutrality, be sensitive and non-judgemental to victims/survivors, and cooperate with organisational investigations providing accurate information as needed. 

Academic Qualifications:

• Bachelors/Masters in Youth Development, Education, Social Science, Development studies, International Development, Gender studies, and Community Development preferred.

Required Skills, Competencies & Knowledge:

• Demonstrated technical expertise in the subject area (youth empowerment, life skills curriculum development)
• Experience and knowledge of Global South (particularly in the countries of Asia and Africa) development challenges, particularly in the sector of youth development.
• Ability to connect youth programming with social and economic opportunities, particularly in decent work-related activities.
• Expertise in participatory approaches that actively involve young people in decision-making and program design, mentorship programs, and leadership development for young people.
• Experience in organising and delivering capacity-building initiatives
• Ability to produce highly professional reports and donor updates with excellent English & professional writing skills.
• Proven experience in building and managing partnerships with donors, partners, government and private sector actors
• Proven ability to effectively collaborate with multicultural teams, fostering an inclusive and diverse work environment.
• Open to learning and exploring new ideas, with a deep commitment to delivering high-quality work.
• Ability to think strategically and drive innovation in program design and implementation.
• Ability to thrive in dynamic and fast-paced environments, demonstrating a high level of adaptability to changing circumstances and priorities.
• Proficient in using Microsoft and Google online tools, including Docs, Sheets, Slides, and Drive, for seamless productivity and collaboration.
• Possesses strong critical and strategic thinking, exceptional problem-solving skills, and a client-oriented service mentality.
• Experience of providing technical guidance and supportive supervision to a large geographically dispersed team.
• Capable of working both individually and as part of a team.
• Excellent communication (written, verbal, negotiation, and presentation skills), facilitation and presentation skills.

Experience Requirements:  

• At least 3-5 years’ practical experience working with NGOs (preferably with adolescent and Youth development or related programs).

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