Key Accountabilities

1. Strategy & Business Growth

• Develop and execute the PEO Finance strategic plan.
• Drive loan book growth and customer acquisition.
• Identify new business opportunities and revenue streams.
• Monitor market trends and competitor activities.
• Build and maintain strategic partnerships.

KPI

• Loan book growth.
• Revenue growth.
• Market share growth.

2. Financial Management & Profitability

• Drive profitability and financial sustainability.
• Monitor income, expenses and operational efficiency.
• Oversee budgeting and forecasting processes.
• Manage liquidity and capital requirements.
• Ensure effective financial reporting.

KPI

• Profitability.
• Cost-to-income ratio.
• Liquidity levels.

3. Credit & Portfolio Management

• Ensure sound lending practices and portfolio quality.
• Monitor NPLs, arrears and collections performance.
• Ensure appropriate credit governance.
• Approve facilities within delegated authority.
• Drive recoveries and portfolio optimisation strategies.

KPI

• NPL Ratio.
• Collections performance.
• Portfolio quality.

4. Risk, Compliance & Governance

• Ensure full compliance with NBFIRA requirements.
• Establish and maintain effective governance structures.
• Promote a strong risk culture.
• Ensure implementation of policies and controls.
• Oversee audit findings and corrective actions.

KPI

• Regulatory compliance.
• Audit outcomes.
• Control effectiveness.

5. Customer Experience

• Champion customer service excellence.
• Improve customer turnaround times.
• Address customer complaints and escalations.
• Drive customer retention and loyalty.

KPI

• Customer satisfaction.
• Customer retention.
• Service turnaround times.

6. People Leadership

• Lead and develop the management team.
• Foster a high-performance culture.
• Manage talent, succession and capability development.
• Drive employee engagement and accountability.
• Ensure effective performance management.

KPI

• Employee engagement.
• Staff productivity.
• Succession readiness.

7. Operational Excellence

• Oversee day-to-day operations.
• Improve process efficiency.
• Drive digitalisation and automation initiatives.
• Ensure operational resilience and business continuity.

KPI

• Productivity.
• Operational efficiency.
• Service delivery.

Minimum Qualifications

• Bachelor's Degree in:
  • Finance
  • Banking
  • Accounting
  • Business Administration
  • Economics
  • Related field

Preferred

• Master's Degree (MBA, Finance, Economics, Business Leadership or equivalent).
• Professional qualification (CA, ACCA, CFA or equivalent).

Experience

• Minimum 10 years' experience in:
  • Banking
  • Microfinance
  • Financial Services

Including:

• 5 years in senior management.
• Credit and lending experience.
• Regulatory and governance exposure.
• Business leadership experience.

Key Competencies

Leadership

• Strategic Leadership
• Business Acumen
• Decision Making
• People Leadership

Technical

• Credit Risk Management
• Portfolio Management
• Financial Management
• Regulatory Compliance
• Governance
• Collections & Recoveries

Behavioural

• Accountability
• Commercial Orientation
• Stakeholder Management
• Results Focus
• Customer Centricity
• Integrity