Duties and responsibilities

• Assisting in identifying and forming of micro finance groups and training;
• Participating in training of groups;
• Making group visits;
• Carrying business assessment for loan applications;
• Appraising loan applications in strict conformity with the micro finance policy;
• Tracking loans and making follow-ups on defaulted loans;
• Ensuring reconciliation of group accounts are done regularly;
• Mobilizing resources for expansion and growth of micro finance program;
• Ensuring proper business assessment is done for all loan applications;
• Writing monthly micro credit reports for the groups;
• Ensuring micro credit loan applications are properly and accurately appraised;
• Closely monitoring business performance of loanees and detect early any signs of defaulting;
• Ensuring strict adherence to micro credit policy in loan granting and loan administration.
• Advising the supervisor on the lending rates after careful consideration of the cost of the deposits used in lending;
• Ensuring all micro credit loan applications are promptly submitted for approval;
• Facilitating groups to keep accurate records and in particular to regularly reconcile group accounts records;
• To ensure proper maintenance of members records and in particular members files, registers and member accounts;
• Ensuring proper management of micro finance loan portfolio;
• Performing any other duties that may be assigned.

KEY QUALIFICATIONS AND COMPETENCIES

Academic & Professional Qualifications

• Minimum Kenya Certificate of Secondary Education (C) Plain
• Diploma in credit management or related course.
• Minimum CPA section 11
• Age 28 – 35 years

Experience:   

2 to 3 years’ experience as an micro credit assistant or small lending, preferable within a Sacco or micro finance institution or a bank

To manage and oversee the micro-credit lending process, including loan origination, assessment, disbursement, and recovery. The Micro Credit Officer will also develop strategies for growing the SACCO’s micro-lending portfolio while maintaining quality and ensuring compliance with regulatory and internal risk management standards.

Duties and Responsibilities:

• Identify and assess potential micro-credit clients (individuals, groups, SMEs, chamas, etc.) by conducting detailed business intelligence, financial analysis, and site visits.
• Guide and support members in preparing loan applications, ensuring they meet SACCO’s credit criteria.
• Review loan applications, creditworthiness, and risk profiles, ensuring compliance with SACCO policies and SASRA regulations.
• Conduct credit analysis, including assessing financial statements, business plans, and other relevant documentation.
• Oversee the approval and disbursement of approved loans, ensuring accuracy and timeliness.
• Regularly monitor disbursed loans to ensure that repayments are being made according to the terms of the loan agreement.
• Conduct periodic site visits to monitor the use of loans and ensure they are being utilized as per the agreed terms.
• Proactively manage loan recovery processes by engaging with clients who fall behind on payments and developing personalized repayment solutions.
• Work closely with the legal department to initiate recovery actions where necessary, including initiating loan defaults and legal recovery processes.
• Monitor the loan portfolio to minimize non-performing loans (NPLs) and improve the PAR
• Build and maintain strong relationships with micro-loan clients to foster loyalty and reduce defaults.
• Offer financial guidance, training, and support to loan recipients to ensure they effectively use the funds and repay loans on time.
• Conduct regular follow-up meetings with clients to assess progress, address challenges, and provide advisory services.
• Develop strategies to expand the SACCO’s micro-lending portfolio, particularly targeting high-growth sectors such as agriculture, retail, women-led businesses, and youth enterprises.
• Identify and pursue new business opportunities to grow the member base, including participating in financial literacy and member education campaigns.
• Work with the marketing team to promote micro-credit products to potential clients.
• Ensure compliance with SACCO’s credit policies, SASRA regulations, and the Kenya Financial Institutions Act regarding micro-credit operations.
• Maintain accurate loan records and prepare regular reports on portfolio performance, arrears, loan losses, and risk assessments for senior management.
• Ensure that all loan documentation, including agreements and collateral, is complete, secure, and legally binding.

Key Qualifications and Competencies

Academic & Professional Qualifications

• Minimum Kenya Certificate of Secondary Education (C+) Plus.
• Bachelor’s Degree in Business Administration, Finance, Economics, or a related field.
• A professional qualification diploma in Credit Management e.g., CICM or minimum  CPA section 11
• Age 30 – 40 years.

Experience

• Minimum of 5 years of experience in micro-credit or small business lending, preferably within a SACCO, microfinance institution, or bank.
• Proven track record in credit analysis, portfolio management, and loan recovery.

Account assistant bookkeeping tasks such as typing, filing, making phone calls, handling mail and basic bookkeeping. Working directly with the Accounting Officer, helps maintain the office and keep it running smoothly and also deal with customers and external agencies .The ideal candidate should be detail-oriented, organized, and capable of handling sensitive financial information with confidentiality

Duties and responsibilities

• Reconciling of all banks accounts;
• Reconciling of end of day for tellers;
• Processing internal standing orders;
• Advising Winas Sacco payroll department on all BOSA recoveries;
• Advising External members payroll deduction ;
• Handling member’s enquiries;
• Filing statutory returns;
• Processing member’s loans and shares refunds;
• Performing out any other duties assigned.

 KEY QUALIFICATIONS AND COMPETENCIES

 Academic & Professional Qualifications

• Minimum Kenya Certificate of Secondary Education (C) Plain
• A degree in Accounting, Finance, or related field (preferred)
• Minimum CPA section 11
• Age 28 – 35 years

Experience:   

2 to 3 years’ experience as an Accounting Assistant with hands-on experience with MS Excel and accounting software

We are looking for a dedicated and customer-focused Call Center Assistant / Clerk to handle incoming and outgoing calls, provide information, resolve inquiries, and support administrative functions within the call center. The ideal candidate will have strong communication skills, a professional demeanor, and the ability to manage high call volumes efficiently.

Duties and Responsibilities:

• Answer incoming calls and respond to customer inquiries
• Make outbound calls as needed for follow-ups, reminders, or surveys
• Provide accurate information about products, services, or policies
• Log customer interactions and maintain up-to-date records in the system
• Escalate complex issues to the appropriate department or supervisor
• Assist in data entry, report preparation, and other clerical tasks
• Maintain a polite, helpful, and professional tone at all times
• Follow call scripts and adhere to call center policies and procedures
• Support team performance targets and contribute to customer satisfaction goals
• Perform other administrative duties as assigned by the supervisor

KEY QUALIFICATIONS AND COMPETENCIES

Academic Qualifications

• Minimum Kenya Certificate of Secondary Education (C) Plain
• Diploma or Bachelor’s Degree in Customer Service, mass communication ,public relations , journalism .
• Training in Call Centre Operations or CRM software is an added advantage.
• Age 28 – 35 years

Experience

• At least 2-3 years of experience in a customer service or call centre role, preferably in a SACCO, microfinance, or banking environment.
• Familiarity with call centre technologies and CRM tools.

The position holder will be responsible for assisting in recruitment of new Members, aggressively approaching potential customers with the aim of winning new business and cross-selling to existing customers. He / She shall be responsible for planning and implementing sales and marketing initiatives to realize set targets in membership growth, maximizing sales profitability, selling of the Sacco’s products and/or related services and activating dormant accounts.

Duties and Responsibilities:

• Recruiting new members and following up to ensure they don’t fall into dormancy both individual and corporate.
• Crossing selling of Sacco products as per the set targets.
• Supporting customer service and work closely with other departments on the execution of service delivery
• Responsible for finding new leads, setting meetings, following up on presentations made and closing sales deals.
• Building relationships with existing referral sources and cultivate new referral sources both internally and externally.

KEY QUALIFICATIONS AND COMPETENCIES

Academic Qualifications

• Minimum Kenya Certificate of Secondary Education (C) Plain
• Diploma or degree in Sales & Marketing, Diploma in communication, public relations from a recognized institution
• Customer Care training course is an added advantage
• Age 28 – 35 years

Experience:

2 to 3 years’ experience in marketing in a financial institution or related field

The Loans Assistant supports the loans department in processing, monitoring, and managing member or client loan applications. The role involves ensuring loan documentation is complete, assisting in credit appraisal, maintaining accurate loan records, and offering quality service to members. The Loans Assistant plays a vital role in ensuring that loan processes comply with internal policies and regulatory requirements. Reporting to the Credit officer the individual will be responsible for setting up, maintaining reviewing and documenting effective record custody and retrieval system.

Duties and responsibilities

• Reconciling the monthly loan and interest deductions received whether paid by cash, check off or standing orders versus monthly installment expected and identify any variance for action.
• Monthly reconciliation of all loans issued out to ensure they are paid as per loan schedule. This will help to identify the omissions and deduction that may have stopped along the way.
• Reconciling MOU loans and their salaries to detect any risk that may result to the Sacco loan being unpaid
• Ensuring that all data on loans and monthly deposits contribution for all members have been captured effectively by either through standing order or check off. Timing and accuracy is key.
• Ensuring that all counties’ data, TSC, Government Ministries and Parastatal have been captured and delivered to various employers before deadline for closing the payroll in a particular month.
• Doing monthly reconciliation on standing orders to identify those that might have failed to recover expected funds as set in the system.
• Doing monthly reconciliation on accounts opened and not being banked in order to arrest dormancy and activate them.
• Reporting of refunds of overpayment
• Attending to members queries and Loan appraisal
• Preparing of deceased claim analysis to the insurance company upon reporting by the family members
• Performing any other duties that may be assigned by the Senor Loans Officer like verification of member information/documents and chattels registration in the E- registry on microcredit and business loans.

KEY QUALIFICATIONS AND COMPETENCIES

Academic Qualifications

• Minimum Kenya Certificate of Secondary Education (C) Plain
• CPA section II or Diploma  Credit Management or  diploma co-operative management
• Age 28 – 35 years

Experience:   

2 to 3 years’ experience as a credit office

Responsible for verifying records posted by other workers, and checking figures and documents to ensure they are accurate and coded properly. Makes notations of error for future corrections.

Duties and responsibilities

• Working hand in hand with Internal Audit officer
• Verifying accuracy of figures, calculations, and postings pertaining to business transactions recorded by other workers:
• Checking and verifying data entered into the system on a daily basis to confirm its validity and authenticity.
• Correcting errors or lists discrepancies for adjustment.
• Keeping financial records complete, as well as computing and classifying information for that purpose.
• Checking for correct entry, proper codes and mathematical accuracy in loans interest, penalties, and any other formulas affecting the institution’s accounts.
• Verify trial balances, status of accounts and loans to make sure payments are up-to-date, inventory records, expense reports and purchase orders.
• Assisting the Internal Audit Officer in conducting checks in branches and transactions verifications
• Any other duties that may be assigned

KEY QUALIFICATIONS AND COMPETENCIES

Academic Qualifications

• Minimum Kenya Certificate of Secondary Education (C) Plain
• Minimum CPA section 11 or ACCA qualification
• Age 28 – 37 years

Experience:

• 2 to 3 years in a similar job

We are seeking a skilled and detail-oriented Data Analyst to collect, process, and perform statistical analyses on large datasets to help inform business decisions. The ideal candidate will have a strong analytical mindset, proficiency in data tools and techniques, and the ability to translate complex data into actionable insights for stakeholders.

Duties and responsibilities

• Collect, clean, and validate data from various internal and external sources
• Analyze data using statistical methods to identify trends, patterns, and insights
• Develop dashboards, reports, and visualizations to communicate findings
• Collaborate with teams across departments to understand data needs
• Monitor key performance indicators (KPIs) and generate regular reports
• Provide recommendations based on data to support strategic planning
• Use tools such as SQL, Excel, Python, R, Power BI, or Tableau for data analysis
• Maintain databases and ensure data integrity and accuracy
• Assist in the design and implementation of data collection systems
• Stay up-to-date with industry trends and best practices in analytics

KEY QUALIFICATIONS AND COMPETENCIES

Academic Qualifications

• Minimum Kenya Certificate of Secondary Education (C) Plain
• Bachelor’s degree in Data Science, Statistics, Mathematics, Computer Science, or a related field
• Age 28 – 35 years

Experience:

• 2 to 3 years proven experience as a Data Analyst or in a similar analytical role
• Experience with big data platforms and cloud services (e.g., AWS, Azure, Google Big Query)
• Experience with statistical programming languages (e.g., Python, R

JOB SUMMARY

• To effectively handle customer transactions over the counter by delivering excellent client service and maximizing client solutions.

Duties and responsibilities

• Receiving and counting working cash at beginning and end of shift
• Accepting cash and cheques for deposits and check accuracy of deposit slip
• Processing cash withdrawals
• Performing specialized tasks such as updating daily journals, attend to customers diligently, and doing random checks on notes validity
• Recording all transactions promptly, accurately and in compliance with SACCO procedures
• Balancing cash and cheques in cash drawer at end of each shift
• Answering inquiries regarding checking and savings accounts and other bank related products
• Performing any other duties that may be assigned.

KEY QUALIFICATIONS AND COMPETENCIES

Academic Qualifications

• Minimum Kenya Certificate of Secondary Education (C) Plain
• A diploma or degree in Accounting, Finance, or business related field.
• CPA an added advantage
• Age 28 – 35 years

Experience:

• 2 to 4 years’ experience in a similar position

Duties and responsibilities

• Filing of all documents in the Records Section
• Receiving all loan application forms and entering them in the loan register sequentially.
• Maintaining of registry and archives.
• Custodian of registry keys and ensuing that all members’ documents are safe
• Custodian of SACCO registers
• Ensuring quality filing system
• Performing any other duties that may be assigned by the superiors

KEY QUALIFICATIONS AND COMPETENCIES

Academic Qualifications

• Minimum Kenya Certificate of Secondary Education (C) Plain
• Diploma in Records Management, Information Management, Information Science, Library Science or equivalent.
• Age 30-40 years

Experience:

3 to 5 years’ experience in a similar position

The SACCO Driver is responsible for safely and efficiently driving Sacco vehicles as required, while ensuring that the assigned vehicle is well-maintained and in good working condition. The driver will also support administrative and logistical operations as directed, maintain high standards of professionalism, and uphold the SACCO’s values when dealing with stakeholder and the public.

Duties and responsibilities

• Driving Sacco vehicles.
• Ensuring the vehicle is clean and in good condition;
• Ensuring that the vehicles are sent for service when due;
• Reporting promptly and to the right authorities in accordance with the Traffic Act any accident in which the Sacco vehicle is involved;
• Ensuring that the vehicle insurance and licenses ensuring compliance with traffic act and any other traffic authority
• Carrying out routine checks on the vehicles cooling oil electrical and brake systems tyre pressure etc.
• Detecting malfunctioning of vehicles system;
• Custody of vehicle keys and ensuring that the keys are returned to the administrative office for night custody;
• Custody of work tickets and ensuring that the tickets are updated for every journey;
• Assisting in internal/external mail delivery when assigned to do so;
• Monitoring the car engine daily and reporting any faults to the Administration Officer; and fuelling the vehicle.
• Maintaining an updated vehicle log book
• Performing other duties that may be assigned

KEY QUALIFICATIONS AND COMPETENCIES

Academic Qualifications

• Minimum Kenya Certificate of Secondary Education (C-) Minus
• Valid and clean driver’s license
• Age 30 – 40 years.

Experience:

At least 5 years continuous driving experience.

To manage and secure the organization’s ICT infrastructure, ensuring availability, reliability, confidentiality, and integrity of systems, networks, and data in line with best practices and compliance requirements.

Duties and responsibilities

• Administer, monitor, and maintain core ICT infrastructure including physical/virtual servers, cloud services (e.g. Azure/M365), storage, and network devices.
• Implement and maintain secure configurations of servers, network devices, and other infrastructure components.
• Coordinate upgrades, patches, and migration of systems and infrastructure as necessary.
• Monitor datacenters and environmental conditions, ensuring uptime, performance, and security.
• Enforce access control, authentication, and audit procedures in line with ICT policies.
• Monitor infrastructure for vulnerabilities, apply patches, and manage antivirus systems.
• Enforce and document adherence to ISO 27001 controls, Data Protection Act, and other applicable regulatory requirements.
• Conduct regular risk assessments and recommend mitigation measures for infrastructure-related threats.
• Develop, implement, and test backup and disaster recovery procedures for infrastructure components and critical systems.
• Ensure data backup schedules are followed, tested, and documented.
• Participate in the planning and updating of business continuity strategies related to ICT infrastructure
• Maintain accurate records of infrastructure assets including hardware, software licenses, and configurations.
• Coordinate and document system change requests, upgrades, and decommissioning of legacy systems.
• Track resource utilization and anticipate future infrastructure needs.
• Proactively monitor infrastructure health and respond to alerts and performance issues.
• Provide 2nd/3rd line support for infrastructure- or security-related incidents.
• Collaborate with service providers and vendors in issue resolution and service optimization
• Conduct internal awareness sessions on cyber security best practices and threats.
• Respond to and investigate infrastructure-related security incidents, ensuring timely resolution and reporting.
• Develop and implement preventive maintenance schedules for infrastructure and security components.
• Ensure all procedures, configurations, and changes are documented in accordance with internal standards

KEY QUALIFICATIONS AND COMPETENCIES

Academic Qualifications

• Minimum Kenya Certificate of Secondary Education (C+) Plus
• Bachelor’s degree in Information Technology, Computer Science.
• Professional certifications such as Microsoft (Azure), Cisco, Comp TIA Security+, CEH, or ISO 27001 Implementer are an added advantage.
• Age 30 – 40 years.

Knowledge, Experience and Skills

• At 3-5 years’ experience in a busy IT environment

JOB SUMMARY

To ensure optimal performance, availability, security and support of the organization’s databases and business systems, through effective administration, analysis, integration, and continuous improvement of critical applications and data platforms.

Duties and responsibilities

• Administer and maintain enterprise databases (e.g. Microsoft SQL Server, MySQL, Oracle), ensuring availability, security, scalability, and performance.
• Perform routine database backups, restorations, and regular testing of recovery procedures to ensure data integrity and business continuity.
• Monitor database health (jobs, logs, space utilization), and perform tuning and optimization of queries, indexes, and storage.
• Configure and manage database replication, high availability, and disaster recovery features.
• Apply patches and upgrades to database platforms in accordance with change control processes.
• Enforce database access control, audit trails, and security by design principles.
• Support, maintain, and enhance the organization’s business systems (e.g. MS BUSINESS CENTRAL, ERP, CRM, HRMIS, financial systems, portals).
• Analyze, document, and validate business and technical requirements to align systems with operational needs.
• Participate in testing, rollout, configuration, and upgrades of business systems and modules.
• Monitor system performance and logs to proactively identify and resolve application-level issues.
• Support business process automation and integrations, including troubleshooting application and API-related issues.
• Develop custom reports and data extraction queries to support operations and decision-making.
• Provide ongoing end-user support, training, and documentation to improve system adoption and utilization.
• Ensure seamless integration of new applications with existing business systems and databases.
• Participate in application upgrades, testing, user acceptance testing (UAT), and change request handling.
• Map and document system interfaces between legacy and new platforms to guide transitions and minimize disruptions.
• Adhere to formal change management and incident management processes.
• Document all database and business systems configurations, processes, and support procedures.
• Train new and existing users on business systems, new features, and best practices.
• Conduct system demos and communicate key updates and changes to relevant departments.
• Escalate complex issues to vendors or senior ICT staff and follow up to resolution.
• Identify risks and vulnerabilities related to databases and business systems and propose mitigation strategies.
• Ensure compliance with data protection laws, system access policies, and ICT security standards.
• Participate in audits and implement recommendations related to business systems and database operations.

KEY QUALIFICATIONS AND COMPETENCIES

Academic Qualifications

• Minimum Kenya Certificate of Secondary Education (C+) Plus
• Bachelor’s degree in Information Technology, Computer Science, or related field.
• Professional certifications such as Microsoft (Azure), Cisco, Comp TIA Security+, CEH, or ISO 27001 Implementer are an added advantage.
• Professional certifications such as Microsoft Certified: Azure Database Administrator, Oracle Certified Professional (OCP), or CBAP (for business analysis) are an advantage.
• Age 30 – 40 years.

Knowledge, Experience and Skills

• 3–5 years’ experience in a database or business systems administration role.
• Experience working with Microsoft SQL Server, MySQL/PostgreSQL, or Oracle DBMS.
• Experience supporting ERP/CRM/HRMIS/financial systems (e.g. SAP, Microsoft Dynamics, etc.)