Monday, 2 August 2021

Ajira Mpya 10 Tujijenge Microfinance Limited Dar es salaam



 POSITION:  Internal Auditor: 1 posts

REPORTING: Head of Internal Audit

LOCATION:  Dar es Salaam

Job Summary:
    Internal Auditor is responsible for the overall direction, coordination, and management of the Audit office. The Internal Auditor will be responsible in developing and maintaining tools for audits including but not limited to forms, manuals, policies and procedures.
    Responsible for the overall direction, coordination, and management of the Audit office.
    Responsible in developing and maintaining tools for audits including but not limited to forms, manuals, policies and procedures.
    Will lead the analysis of portfolio conduit, accounting records, assets records and books of original entries both in the office and in the field to determine whether accepted accounting procedures are followed in recording such transactions.
    Prepares reports for the Audit Committee concerning the scope of audit, financial condition found, application and administration of funds within the company.

Job Requirements
    Degree or masters in accounting and finance or any relevant field
    CPA applicants are encouraged
    Understanding of the microfinance lending methodology is an added advantage
    Ability to write reports, procedure manuals and the ability to present information and respond to questions from managers and employees
    Ability to carry out instructions and can perform in challenging environments



POSITION:  Recovery Officers 4 posts


REPORTING: Branch Manager

LOCATION:  Dar es Salaam

Job Summary:
    Recovery Officer is to manage an assigned portfolio of loans in default using the TUJIJENGE loan collections and recovery framework.
    Regularly review loans in default and initiate plans/strategies for recovery of those loans
    Make recommendations to branch manager about the likelihood of recovering loans in default and whether legal action will be required;
    Appraise and assess bad loan situations, prepare reports for the recovery manager and follow up cases of bad loans handled by bailiffs, auctioneers and lawyers
    Track and analyse causes of and trends in loan delinquency and recommend appropriate corrective strategic actions
    Ensure the PAR >30 ratios do not exceed 5%.
    Master and ensure appropriate implementation of the TUJIJENGE loan collections and recovery framework protocols including department networking and skip tracing methods
    Appropriately and effectively apply the protocols to work the loans in default as assigned
    Display a persuasive and professional manner while encouraging borrowers and/or guarantors to repay their loans in a timely manner as contractually obligated.
    Regularly locating/relocating, identifying and seeking contact with borrowers/guarantors in default(i.e. by personal visits, telephone or mail etc.) to remind them of their obligations and/or discuss and effect resolutions to their delinquency problems (i.e. payment, renegotiation, collateral seizure etc.) while simultaneously endeavouring to build and maintain good customer relationships
    Completing and recording (collection activity report) regular borrowers in default contact and analysis/re-analysis of financial status followed by a comprehensive agreement for repayment of the loan/arrears

Job Requirements:
    A Diploma/Bachelors Degree or Masters in business administration, accountancy, finance or any relevant filed.
    minimum of four  years of loan collections and recovery experience in the financial services sector
    Strong people/relationship skills
    Excellent oral and written communication skills in English and Kiswahili.



POSITION: Regional Manager


REPORTING: Head of Operations

LOCATION:  Dar es Salaam

Job Summary:
Regional Manager is responsible for driving growth in terms of clientele and portfolio and managing portfolio quality for the entire growth.  The focus of the position is to ensure smooth operation of the entire region and enhance capacity of all staff within the region.

Job description:
    Loan Portfolio management of Branches in the respective region
    Conduct market research to determine potential products for the particular region and support the expansion of regional product and services.
    Supervise and evaluate branch staff (BMs and Supervisors)  and lead staff to meet organizational goals and promote organization culture
    Conduct frequent field visits to identify irregularities if any and solve problems immediately
    Advocates and coordinate with government authorities
    Maintain transparent budgeting and fund management of the branch.
    Prepare Business Plan, work plan and budget for the targeting regions
    Maintain proper credit discipline
    Make report of operation, financial report, and any necessary reports assigned by Upper manager
    Participate in recruiting the field staffs
    Maintain, train and develop Loan Officer
    Responsible for the recognizing & observing/training, cash withdrawal & deposit, loan disbursement, repayment collection and all kinds of financial management in branch level.
    Recommend of loan proposal for approval
     Sign all vouchers prepared for accounts on a daily basis on behalf of BM if the BM are not available
    Perform any other responsibilities as assigned by Head of departments.

Job Requirements:
     Degree or masters in business administration, finance, accountancy, commerce or any related field.
    Minimum 6 years work experience on microfinance
    Minimum 3 years of work experience on similar position
    Good Interpersonal skills & prefer in good at English proficiency
    Computer literacy
    High level of integrity



POSITION:  Branch Managers:4 posts


REPORTING: Regional Manager

LOCATION:  Dar es Salaam, Geita, Mwanza

Job Summary:
The Branch Manager is responsible for planning, implementing and managing all branch level financial/operational activities in a manner that the branch operates profitably and efficiently. This individual is directly accountable for the growth of the business; achieving the branch’s financial/operational goals in terms of number of customers and the portfolio.

Job Description:
    Responsible for clientele growth and maintain portfolio quality of the respective branch
    Conduct market research to determine potential products for the particular branch
    Ensure that team and individual targets are met while maintaining portfolio quality, customer satisfaction, employee satisfaction and profits
    Develop and maintain highly disciplined and professional personnel
    Conduct performance appraisals for Supervisors and other personnel in a fair manner as scheduled
    To ensure proper maintenance of leave and contracts records of each employee
    Serve as primary contact between Head of Operations and the Branch.
    Provide input and feedback as well as troubleshoot problem areas and operational deficiencies.
    Continuously oversee a smooth flow of information throughout the branch.
    Communicates timely issues related to potential loan loss as soon as identified; late payments, embezzlements, delinquency and default
    Participate and carry out weekly meetings ( team and branch) to reinforce standards and procedures
    Prepare and submit weekly/monthly progress report to Regional Manager and/or Head of Operations
    Continuously keep contact with customers by visiting groups and hearing the customers’ voices
    Ensure safe custody of branch assets and equipments
    Is responsible for financial management and transactions at branch level at all times.
    Examines and approves loan requests, petty cash, advances and expenses reports.
    Utilizes all appropriate means to determine methods of securing, monitoring and the collection process of loans
    Ensures timely compilation and submission of weekly, monthly and/or quarterly returns reports to responsible person.
    Responsible for branch income and expenditure in order to drive the branch to operational and financial sustainability
    Ensure smooth operations of the team and monitor performance.
    Encourage teamwork, energy and enthusiasm required to achieve company goals and objectives
    Lead personnel development by example and by encouraging talent management to staff

Job Requirements:
    Degree in related field desired, not required
    Diploma, Advanced diploma, Degree or masters in business administration, finance, accountancy, commerce or any related field.
    Minimum 4 years work experience on microfinance
    Minimum 2years of work experience on similar position
    Good Interpersonal skills & prefer in good at English proficiency
    Computer literacy
    High level of integrity

Interested in this position please Send your CV and cover letter  to recruitment@tujijenge.or.tz

The deadline for submitting the application is 07 August 2021.

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