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Credit Officer| Finance| Nairobi

Sistema.bio, we work with farmers to improve life on Earth.

At Sistema.bio, we firmly believe that the transition to renewable energy, the reduction of global greenhouse gas emissions, and the adoption of regenerative farming are essential to ensuring a thriving world for current and future generations.

We empower family farms across Africa, Asia, and Latin America with innovative biodigester and biofertilizer technology, alongside training, customer service, and financing, enabling them to become more independent and productive.

Our mission drives action at the intersection of food security, social justice, and climate change.

You have the opportunity to become an integral part of this impactful story!

Your mission at Sistema.bio:

The Credit Officer will be responsible for ensuring farmers can access and repay financing for their biodigesters by evaluating creditworthiness, driving timely loan collections, and maintaining a healthy credit portfolio in strict compliance with Sistema.bio's credit policies.

You’ll be in charge of:

• Credit Portfolio Management: Monitoring and reviewing the performance of credit accounts to ensure timely repayments and PaR of less than 10%.
  
• Loan Evaluation and Approval: Reviewing credit applications guided by established processes, credit policy, and the risk profile of the farmer, with an approval turnaround of less than 72 hours.
  
• Field Recovery Activities: Conducting on-ground field visits to customers in default, negotiating repayment plans, and resolving repayment challenges to achieve a minimum of 80% of monthly collection targets.
• Client Support and Engagement: Educating clients on repayment obligations, warranties, and consequences of non-payment while ensuring customer satisfaction.
  
• Loan Collection: Ensuring full installment is paid on due date, activating all dormant accounts in the portfolio, ensuring all regular payers do not miss payments, visiting all customers in arrears and demanding payments, and regularly calling all customers and making arrangements for payment plans.
• Collaboration: Working closely with commercial, technical, and cross-functional teams to provide tailored credit solutions and ensure compliance with credit policies and loan documentation.
  

More about YOU:

• You possess a Bachelor’s degree in Finance, Accounting, Economics, or a related field.
• You have at least 4 years of experience in last-mile lending, preferably in microfinance or the SACCO sector.
• You have strong analytical and financial modelling skills, with solid knowledge of credit risk assessment and financial products.
• You have excellent written and verbal communication skills.
• You are proficient in credit analysis tools, financial software, and MS Excel.
• You have strong attention to detail and a good understanding of financial statements and accounting principles.
• You have Knowledge of industry regulations and compliance standards.

Other important details:

• This is a full-time position based in Nairobi.
• The starting date is as soon as possible.

What we offer:

✨ Passion and Purpose:
Join a dynamic social impact company, certified B Corp, and immerse yourself in an environment where passion, a strong mission, and collaborative spirit converge.

🌍 Global Team, Local Impact: Be part of our incredible international team comprising over 300 colleagues across 3 continents. Experience the power of working together toward a common goal that transcends borders.

🍃Balance matters: We understand that your best work comes from a rested and healthy state. Embrace our commitment to work-life balance with a flexible and accommodating work environment designed to suit your needs.

👐 Embrace diversity: Join a vibrant workplace with colleagues representing more than 15 nationalities. At Sistema.bio, inclusivity and diversity are not just values; they are the essence of our culture.

🌱 Grow with us: We foster an autonomous work environment that empowers you to contribute, develop, and take ownership of your projects and work. Join our team of doers in a fast-paced environment where there are plenty of opportunities to grow and learn.

🐄 Farmers are at the heart of what we do: Our mission, strategies, and day-to-day operations revolve around supporting farmers. We are committed to creating a positive impact on their lives, ensuring our work is always aligned with their needs and challenges.

Our values are FIRE 🔥

Farmer-Centric: We are inspired by the passion and hard work of farmers in all we do

Impact-driven: We are focused on cultivating positive change on Earth

Resourceful: We are proactive and efficient, weeding out challenges as they pop up

Ethical: Trust, transparency, reliability, and respect to cultivate healthy relationships

Your journey with us is not just a job; it's a chance to make a lasting impact.

Sistema.bio is an equal opportunity employer. We welcome and encourage diversity in the workplace regardless of gender, race or color, ethnicity or national origin, age, disability, religion, sexual orientation, gender identity or expression.