JOB ADVERTISEMENT
ABOUT US
Established in 2019, Misika Cash Express (MCE) Limited is a microfinance institution that has been offering financial assistance to marketeers who are financially incapacitated to boost their businesses at affordable interest rates. Our goal has been to help people, especially the minority groups with limited financial muscles to take their businesses to greater heights.
However, the institution has recently halted the provision of its services to marketeers and is now focused on offering salary advances to people working in government institutions. Here, we aim at providing financial services to civil servants with emergent and other short-term needs at affordable interest rates. In order for the company to achieve its goals, job openings have been created for the following positions:
1.0 SALES MANAGER (01)
We are seeking an experienced Sales Manager to lead our sales team in order to achieve the company’s sales targets. Primary Responsibilities:
• Sales Strategy: Develop and implement sales plans to expand the institution's customer base and increase market presence
• Team Management: Manage, coach, and motivate the sales team to achieve sales targets
• Client Relationship Management: Build and maintain strong relationships with clients, understanding their needs and providing tailored solutions
• Sales Performance Analysis: Analyze sales data, identify trends, and adjust sales strategies accordingly
• Market Research: Stay up-to-date with market trends, competitor activity, and new products
• Reporting: Present sales reports and forecasts to management
• Product Knowledge: Ensure in-depth knowledge of microfinance products and services
• Compliance: Ensure adherence to regulatory requirements and company policies
Requirements:
• Diploma in Business Administration, Marketing, or any other related field
• Proven experience in sales management, preferably in microfinance
• Strong leadership, communication, and analytical skills
• Knowledge of microfinance products and services
• Ability to work independently and manage multiple tasks Preferred Qualifications:
• 2 to 3 years of experience in lending or financial services
• Strong networking and negotiation skills
• Relevant certifications or training
2.0 LOAN OFFICER (01)
Job Summary: We are looking for a motivated and results-driven Loan Officer to join our team. The successful candidate will be responsible for sourcing, evaluating, and managing a portfolio of loans.
Key Responsibilities:
• Identify and evaluate loan applications from clients
• Conduct financial analysis and assess creditworthiness
• Prepare and present loan proposals to credit officers
• Manage and monitor loan portfolio
• Provide excellent customer service and support to clients
• Meet sales and portfolio growth targets
• Collaborate with team members to achieve branch objectives
Requirements:
• Diploma in Finance, Business, or related field
• 1-2 years of experience in microfinance or banking
• Strong analytical and communication skill
• Ability to work in a fast-paced environment
• Fluency in local languages an added advantage
3.0 CREDIT OFFICER (01)
Job Summary: We are looking for an experienced Credit Officer to join our team, responsible for assessing and managing credit risk, making informed credit decisions, and ensuring compliance with lending policies and regulatory requirements. A successful candidate will also be responsible for managing and recovering overdue accounts, minimizing losses, and maintaining strong relationships with clients.
Key Responsibilities:
• Evaluate credit applications, credit history, and other relevant data to determine creditworthiness
• Assess and manage credit risk, identifying potential risks and recommending mitigation strategies
• Make credit decisions, approving or rejecting loan applications based on institution's policies and procedures
• Monitor and manage existing credit portfolios, identifying early warning signs of potential defaults
• Prepare and present credit reports and recommendations to management and Board of Directors
• Contact and negotiate with delinquent clients to arrange payment plans and settlements
• Manage and update accounts receivable, ensuring accurate records and timely follow-up
• Identify and report potential credit risks, recommending strategies to recover debts
• Collaborate with operations team to resolve account issues
• Meet or exceed collections targets and performance metrics
Requirements:
• Diploma in Finance, Accounting, or related field
• 1-2 years of experience in credit analysis, collections or related field
• Strong analytical and problem-solving skills
• Excellent communication and negotiation skills
• Knowledge of lending regulations and credit risk management principles
• Ability to work in a fast-paced environment and meet targets
• Basic computer skills and familiarity with collections software Preferred Qualifications:
• Experience with credit risk management software
• Strong understanding of industry trends and market conditions
4.0 ACCOUNTS ASSISTANT (01)
Job Summary: We are looking for an organized Accounts Assistant to support our finance team, ensuring accurate and timely processing of transactions, reconciliations, and reporting. Key Responsibilities:
• Process and reconcile transactions, including loan disbursements and repayments
• Maintain accurate accounting records and ensure compliance with internal controls
• Assist in preparation of financial reports and statements
• Support month-end and year-end accounting processes
• Collaborate with teams to resolve account queries and discrepancies
• Ensure regulatory compliance and risk management
• Provide strategic financial guidance to management
Requirements:
• Diploma or degree in Accounting, Finance, or related field
• 1-2 years of experience in accounting or related role
• Strong organizational and analytical skills
• Proficiency in accounting software and MS Excel
• Attention to detail and accuracy Preferred Qualifications:
• Experience with lending institution's accounting systems
• Knowledge of accounting standards and regulations
• Strong communication skills
Application Process: All interested candidates must submit a Cover Letter, Curriculum Vitae, Qualifications and NRC to misikacashexpress@gmail.com not later than 20th December, 2025. Please note that only shortlisted candidates will be communicated to.
