Head of Risk & Compliance at SMEP Microfinance Bank
HEAD OF RISK & COMPLIANCE (HR & C/06/26)
The role holder will be reporting Functionally to Board of
Directors (BoD) and administratively to the Chief Executive Officer (CEO) and
will be responsible for ensuring that all material risks are identified,
assessed, monitored, and reported in alignment with the Bank’s mission,
regulatory requirements, and approved Risk Appetite Statement (RAS). The role
holder will also be expected to uphold the Bank’s Christian identity through
spiritual leadership and ethical conduct.
KEY DUTIES AND RESPONSIBILITIES
- Lead,
supervise, and develop the Risk Management Department, ensuring effective
performance management, target‑setting, and delivery of departmental
objectives.
- Serve
as a key advisor to the CEO, Executive Leadership, and the Board on risk‑related
matters.
- Deliver
timely, accurate, and audience appropriate risk reports to Board of
Directors, Senior
- Management
and Risk Owners and Regulators.
- Plan,
design, and implement the Bank’s Enterprise Risk Management Framework in
alignment with strategic objectives and regulatory expectations and HOPE
International standards.
- Ensure
the Bank’s full compliance with all applicable laws, regulations,
directives, and prudential guidelines issued by the Central Bank of Kenya
(CBK) and other relevant authorities.
- Monitor
regulatory developments and emerging compliance requirements, advising the
CEO and Board Committees on implications and required actions.
- Co-ordinate
with Information Technology and Digital Banking teams to ensure effective
identification, assessment, monitoring, and mitigation of IT and digital
risks including cyber security, system reliability, data protection,
technology resilience, and continuity of digital services to safeguard
secure, stable, and uninterrupted banking operations.
- Work
with all business units and support functions to identify, assess,
monitor, and mitigate financial and operational risks across the Bank,
including process failures, internal control weaknesses, fraud risks,
service-delivery gaps, and people-related risks to strengthen operational
resilience, regulatory compliance, and consistent customer service
quality.
- Promote
a strong culture of compliance and ethical conduct across the Bank through
training, communication, and continuous engagement.
ACADEMIC QUALIFICATIONS, EXPERIENCE & TECHNICAL
COMPETENCIES
- Bachelor’s
degree in Risk Management, Finance, Economics, Business Administration,
Accounting, Statistics, or a related field.
- Master’s
Degree and/or Professional certifications such as FRM, CRISC, CFE,
CPA/ACCA are an added advantage.
- Should
have a minimum of 8-10 years of progressive experience in risk management,
internal audit, compliance, or financial management, preferably within a
regulated financial institution. Five of these, should have been at a
Senior Leadership or Managerial role.
- Should
have a strong knowledge of Enterprise Risk Management (COSO, ISO 31000),
- Basel
II & III requirements, Business Continuity and Disaster Recovery
frameworks,
- Credit
risk assessment and portfolio analytics, Operational risk tools, including
RCSA,
- KRI,
and loss event databases, Regulatory frameworks applicable to microfinance
and banking in Kenya.
- Must
have relevant experience working with regulators, external auditors, and
Board committees.
- Should
have proficiency in risk reporting, data analysis, and use of risk
management systems (e.g., Audit Board, risk dashboards, BI tools).
- Leadership
and Behavioural Competencies
- Strong
ethical grounding and ability to live and model Christian values in
leadership.
- Excellent
analytical, problem-solving, and decision-making skills.
- Ability
to influence senior leadership and engage effectively with the Board.
- Effective
communication and presentation skills, with the ability to translate
complex risk issues into clear, actionable insights.
- Demonstrated
ability to build a strong risk culture and lead cross-functional teams.
- High
level of integrity, confidentiality, and sound judgment.
How to Apply
Those who meet the criteria should download the “Job
Application Form” at www.smep.co.ke/careers,
Send Your filled applications to recruitment@smep.co.ke,
indicating the Job Title & Reference on the e-mail subject on or before
Tuesday 30th June, 2026. Only shortlisted candidates will be contacted
Credit Analyst at SMEP Microfinance Bank
Credit Analyst
The job holder will be charged with conducting rigorous loan
appraisals. He/she will ensure all credit requests are underwritten
in line with laid down internal policies, procedures, product guidelines
and best practices. The role undertakes a preventive approach in
de-risking lending to ensure high portfolio performance, ease of recovery,
competitive turn-around time and avoidance of unwarranted or
emerging risks through time-to-time recommendations on areas of
improvement.
Key Duties & Responsibilities
- To
participate and support the Spiritual formations and rhythms in the Bank,
in order to maintain a focus on the Bank’s Christ-centered culture.
- Management
of credit risks through analysis and recommendation of approvals for
facilities within the Institutions tolerable risk levels
- Performing
quality assurance checks on revenue assurance and system surveillance on
loan modules
- Ensure
high turnaround time (TAT) for Credit proposals
- Co-ordinate
efforts together with Risk, Internal Audit, Credit Administration and
Branches to ensure adherence to the Bank’s Credit Policy and lending
guidelines
- Work
closely with both the Manager – Credit Analysis and Head of Credit to
maintain appropriate credit risk management culture
- Review
loan security margins as per the existing market trends and advise the
management on any necessary reviews.
- Recommend
policy reviews for customer experience improvement and risk management
improvement based on experiences and industry trends
- Monitor,
on a continuous basis, all transactions to ensure that unusual and
suspicious transactions are reported to the Money Laundering
Reporting Officer (MLRO)
- Implementing
and enforcing the board approved AML, KYC & CFT policy in as far as is
applicable within credit risk analysis
- Performing
quality assurance checks on revenue assurance and system surveillance on
loan modules and report anomalies noted.
Key Qualification, Qualities &
Competencies
- Must
be a practicing Christian who lives and upholds Christian values, with a
passion to serve
- An
undergraduate Bachelor’s degree in a Business-related field from a
recognized institution.
- Professional
qualifications in Credit e.g CCP, Credit Risk Assessment , CPA are
an added advantage.
- At
least 5 years’ relevant experience in appraising SME, Group and Individual
Micro loans
- Numerical
ability to analyze and interpret financial statements
- Report
writing and presentation skills
- High
degree of confidentiality
- Clear
understanding of microfinance/banking industry is an added advantage.
- Good
interpersonal & communication skills with excellent customer service.
- A team
player with the drive to improve performance.
- Proficient
computer skills
- Self-driven
and possess the ability to work with minimum supervision
End Date 10th June, 2026
How to Apply
Qualified and interested candidates who meet the criteria
should download the “Job Application
Form” and send their filled applications to recruitment@smep.co.ke,
indicating the Job Title & Reference on the e-mail subject on or
before Friday 27th June, 2026. Only shortlisted candidates will be
contacted.
Business Development Officers at SMEP Microfinance Bank
BUSINESS DEVELOPMENT OFFICERS – BDO 05/26
Reporting to the Branch Manager, the job holder will be
responsible for business development through marketing and recruiting of
customers, processing and disbursement of loans and ensure timely collection of
the same to ensure healthy portfolio and a happy and satisfied customer base.
KEY DUTIES AND RESPONSIBILITIES
- Responsible
for Marketing of Banks products and services
- Actively
drive growth in customer numbers and ensure full adherence to the customer
on-boarding Policies and Procedures
- Facilitate
recruitment and registration of customers in existing and new groups
- Manage
customer Relationships for both group customers and individual customers
- Stimulate
client training on SMEP policies, procedures and basic business skills,
loans, business, etc..
- Responsible
for customer loan evaluations and processing.
- Responsible
for maintaining a quality asset portfolio as per the Banks requirements
- Responsible
for preparation and submissions of timely daily, weekly, monthly and
quarterly reports as per the Banks’ requirements to the respective Office
Holders.
- Ensure
follow-up of defaulters and collection of arrears
- Responsible
for proper record management for all customers
- Ensure
customer retention through excellent customer service
Key Qualities, Qualifications & Competencies:
- Must
be a practicing Christian who lives and upholds Christian Values, with a
passion to serve.
- A minimum
grade of C+ (plus) in KCSE
- An
undergraduate Bachelor’s degree OR Diploma in Business related courses
from a recognized institution.
- Knowledge
in Sales and Marketing, credit risk management, credit lending, as well as
relevant experience in the Banking sector will be an added advantage.
- Proficiency
in computers is mandatory.
- Ability
to analyze and interpret financial statements
- Clear
understanding of microfinance/banking industry is an added advantage.
- Good
interpersonal & communication skills with excellent customer service.
- A team
player with the drive to improve performance.
- Persuasive
with strong recognition skills,
- Self-driven
and possess the ability to work with minimum supervision
How to Apply
Qualified and interested candidates who meet the criteria
should download the “Job
Application Form” at www.smep.co.ke/careers, and send their filled
applications to recruitment@smep.co.ke, indicating
the Job Title & Reference on the e-mail subject. The deadline for
applications is Tuesday 30th June, 2026. Only shortlisted candidates will be
contacted.
Administration Assistant & Driver at SMEP Microfinance Bank
Administration Assistant & Driver
The position is responsible for timely, efficient, and safe
transportation of authorized persons; conveyance and delivery of various Banks’
correspondences & documents, assigned Administration roles, maintenance of
the assigned vehicle(s) in a clean and mechanically sound condition; and
ensuring
compliance with legal requirements & to uphold the Banks’ Mission, Vision,
Core Values and Motivation during the work tenure at SMEP MFB PLC.
KEY DUTIES AND RESPONSIBILITIES
- Perform
driving duties as per assigned responsibilities, which include errands
within the vicinity of the office location and long distance trips in
accordance with Banks’ policies.
- Drive
the Bank’s vehicles in a manner that is compatible to international safety
standards and exercise caution when driving by ensuring that the vehicle
is not exposed to risks such as theft and accidents etc.
- Keep
the assigned vehicles in good running condition and perform routine daily
checks,fuel consumption and submit on weekly basis a summary of the same
to ensure that the vehicle is in good working condition.
- Ensure
the safety of individuals using the vehicle.
- Ensure
that any goods and effects being transported by the vehicle are handled in
a safe and cautious manner.
- Ensure
that vehicle insurance and other requisite licenses are always valid.
- Collection
and delivery of Banks’ correspondences to respective destinations.
- Handling
of the assigned Office Administration roles to the expected standards
Maintain high standards of service at all times.
- Ensure
that safe driving practices are adhered to including local driving codes
and internally agreed standards.
- Perform
any other duties as assigned by supervisor.
QUALIFICATIONS AND COMPETENCIES:
- A
minimum of 5 years experience in driving particularly in a corporate set
up
- Must
have KCSE certificate with a minimum of grade of C- (minus)
- A
minimum of a Diploma level training in Business related field.
- Defensive
driving and preventive maintenance driving course.
- Knowledge
of Traffic Rules, road safety and general understanding of Bank transports
needs.
- Must
have a clean and valid driving license of classes BCE.
- Relevant
training in automobile maintenance or mechanical works knowledge is an
added advantage
- A
valid Certificate of Good Conduct
- Must
be professional and confident with high levels of integrity
- Should
have practical knowledge of computer applications
- Good
interpersonal & communication skills with excellent customer service
- Ability
to work independently under minimum supervision.
- Candidates
must be practicing Christians who uphold and embody Christian values in
their professional conduct.
- Aged
between 32 and 38 years.
How to Apply
Qualified and interested candidates who meet the above
criteria should download the “Job Application Form” at www.smep.co.ke/careers
and send their filled applications to recruitment@smep.co.ke indicating
the Job Title & Reference on the e-mail subject on or before Monday
18 th May, 2026. Only shortlisted candidates will be contacted.
Chief Accountant at SMEP Microfinance Bank
Chief Accountant (HR/01/26).
Reporting to the Head of Finance, the job holder will be
responsible for financial reporting & to uphold the Banks’ Mission, Vision,
Core Values and Motivation during the work tenure at SMEP MFB PLC.
KEY DUTIES AND RESPONSIBILITIES
- Responsible
for implementation of financial controls .
- Responsible
for budget preparation and monitoring.
- To
directly supervise Accountants, Account assistants.
- To
coordinate external & Internal Audits, due diligence & regulatory
inspection and the implementation of External audit recommendations .
- To
oversee all Bank reconciliations.
- To
ensure that all Finance related reports are completed accurately and
availed within the given timelines.
- The
Secretary to ALCO .
- Oversee
the Tax Management and Compliance processes .
- To
oversee partner Reporting and ensure partner contracts are adhered to.
- Management
of financial reporting system which includes confidentiality, Integrity
and availability of financial data.
- Treasury
management- Optimum placement of idle funds and cash flow management.
- Any
other duty as prescribed by Head of Finance from time to time
Qualifications
- A
Bachelor’s degree in finance, accounting, commerce, business
administration, or an equivalent qualification from a university
accredited by the relevant authorities in Kenya.
- Professional
certification such as CPA (K), ACCA, CFA, or an equivalent qualification
is required.
- Have
current membership registration with ICPAK
- A
Master’s Degree in a relevant field will be considered an added advantage.
Competencies and Experience
- A
minimum of 7-10 years of progressive accounting experience.
- With
at least 3-5 years in a supervisory or Managerial role.
- Prior
Experience in a banking or Financial institution is highly desirable.
- The
ideal candidate will demonstrate deep knowledge of IFRS, IAS and local tax
laws.
- The
ideal candidate will demonstrate strong leadership, analytical, and
communication skills.
- Candidates
must be practicing Christians who uphold and embody Christian values in
their professional conduct.
Qualified and interested candidates who meet the above
criteria should download the “Job Application Form” at www.smep.co.ke/careers
Send your filled applications to recruitment@smep.co.ke indicating
the Job Title & Reference on the e-mail subject on or
before Monday 16th February, 2026. Only shortlisted candidates will
be contacted.
Business Development Officers at SMEP Microfinance Bank
BUSINESS DEVELOPMENT OFFICERS – BDO 01/26
Reporting to the Branch Manager, the job holder will be
responsible for business development through marketing and recruiting of
customers, processing and disbursement of loans and ensure timely collection of
the same to ensure healthy portfolio and a happy and satisfied customer base.
KEY DUTIES AND RESPONSIBILITIES
- Responsible
for Marketing of Banks products and services
- Actively
drive growth in customer numbers and ensure full adherence to the customer
on-boarding Policies and Procedures
- Facilitate
recruitment and registration of customers in existing and new groups
- Manage
customer Relationships for both group customers and individual customers
- Stimulate
client training on SMEP policies, procedures and basic business skills,
loans, business, etc..
- Responsible
for customer loan evaluations and processing.
- Responsible
for maintaining a quality asset portfolio as per the Banks requirements
- Responsible
for preparation and submissions of timely daily, weekly, monthly and
quarterly reports as per the Banks’ requirements to the respective Office
Holders.
- Ensure
follow-up of defaulters and collection of arrears
- Responsible
for proper record management for all customers
- Ensure
customer retention through excellent customer service
Key Qualities, Qualifications & Competencies:
- Must
be a practicing Christian who lives and upholds Christian Values, with a
passion to serve.
- A
minimum grade of C+ (plus) in KCSE
- An
undergraduate Bachelor’s degree OR Diploma in Business related courses
from a recognized institution.
- Knowledge
in Sales and Marketing, credit risk management, credit lending, as well as
relevant experience in the Banking sector will be an added advantage.
- Proficiency
in computers is mandatory.
- Ability
to analyze and interpret financial statements
- Clear
understanding of microfinance/banking industry is an added advantage.
- Good
interpersonal & communication skills with excellent customer service.
- A team
player with the drive to improve performance.
- Persuasive
with strong recognition skills,
- Self-driven
and possess the ability to work with minimum supervision
How to Apply
Qualified and interested candidates who meet the criteria
should download the “Job Application Form” at www.smep.co.ke/careers
Send your filled applications to recruitment@smep.co.ke,
indicating the Job Title & Reference on the e-mail subject. The deadline
for applications is Friday 20th February, 2026. Only shortlisted candidates
will be contacted.
Business Development Officers at SMEP Microfinance Bank
BUSINESS DEVELOPMENT OFFICERS – BDO 10/25
Reporting to the branch manager , the job holder will be
responsible for business development through marketing and recruiting of
customers, processing and disbursement of loans and ensure timely collection of
the same to ensure healthy portfolio and a happy and satisfied customer base.
KEY DUTIES AND RESPONSIBILITIES
- Responsible
for Marketing of Banks products and services
- Actively
drive growth in customer numbers and ensure full adherence to the customer
on-boarding Policies and Procedures
- Facilitate
recruitment and registration of clients in existing and new groups
- Stimulate
client training on SMEP policies, procedures and basic business skills,
loans, business, e.t.c.
- Ensure
that all clients contribute weekly savings and repay their loans on time
- Responsible
to evaluate clients’ businesses and determine whether they are worth the
amount applied for
- Responsible
for client evaluations and loan processing.
- Responsible
for maintaining a quality asset portfolio as per the Banks requirements
- Responsible
for preparation and submissions of timely daily, weekly, monthly and
quarterly reports as per the Banks’ requirements to the respective Office
Holders.
- Responsible
for recording, verifying and assessing the chattels offered for loans with
assistance of the Branch Manager
- Ensure
follow-up of defaulters and collection of arrears
- Responsible
for record keeping for all clients e.g. savings, loan status etc.
- Ensure
client retention through excellent customer service
Key Qualities, Qualifications & Competencies:
- Must
be a practicing Christian who lives and upholds Christian Values, with a
passion to serve.
- A
minimum grade of C+ (plus) in KCSE
- An
undergraduate Bachelor’s degree or Diploma in Business related courses
from a recognized institution.
- Knowledge
in Sales and Marketing, credit risk management, credit lending, as well as
relevant experience in the Banking sector will be an added advantage.
- Proficiency
in computers is mandatory.
- Ability
to analyze and interpret financial statements
- Clear
understanding of microfinance/banking industry is an added advantage.
- Good
interpersonal & communication skills with excellent customer service.
- A team
player with the drive to improve performance.
- Persuasive
with strong recognition skills,
- Self-driven
and possess the ability to work with minimum supervision
- Ability
to work independently under minimum supervision.
HOW TO APPLY
Qualified and interested candidates who meet the criteria
should download the “Job Application Form” at www.smep.co.ke/careers, and send their
filled applications to recruitment@smep.co.ke,
indicating the Job Title & Reference on the e-mail subject.
The deadline for applications is Friday 24th October,
2025. Only shortlisted candidates will be contacted.