Chief Operating Officer

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Job Description

This role’s purpose is to support the CEO in the development and implementation of business unit strategies, policies, procedures and practices. He/ She will work closely with other departmental heads in managing, monitoring and improving efficiency of the credit and general business processes. This role is responsible for the credit policy; float management, strategic review and enforcement of a smooth, efficient and effective lending and collections process.


Responsibilities & duties


Responsibility 1 – Credit Policy and Process

  • Maintain business unit lending policies and recommend changes
  • Ensure the effectiveness and efficiency of the business unit’s services through regular review and improvements to each function as well as coordination and communication between support and business functions.


Responsibility 2 – Financial Management

  • Oversee overall financial management, planning, systems and controls
  • Undertake the business unit’s financial reporting review; revenue tracking; cost control measures; forecasting and budgeting functions
  • Manage and control disbursement capital on mobile money platforms
  • Set up and provide reports on key financial indicators as required


Responsibility 3 – Sales & Collections

  • Ensure KPIs are consistently achieved
  • Oversees the full range of managerial duties for the loan review, compliance, collections, and credit analysis functions including adherence to policies and practices of the organization and applicable regulatory and governmental agencies


Responsibility 4 – Strategic Analysis

  • Play a significant role in long-term planning, including recommending and executing initiatives geared toward operational excellence
  • Recommend and support strategic alliances geared at growing the brand, expanding market share and reducing exposure to defaults


Academic & trade qualifications


  • Undergraduate Degree
  • Business Acumen


  • Operations/Finance/Management/Business based qualification


Work experience & skills


  • Financial Services
  • Must be process driven


  • Micro Finance
  • Sales & Marketing Experience


Personal qualities & behavioural traits


  • Strong strategic focus for business planning
  • Strong analytical abilities and problem resolution skills
  • Excellent communication skills, both verbal and written
  • Strong leadership and people management skills


  • Strong planning and organizational abilities
  • Strong negotiation skills
  • Strong client service orientation



  1. CEO – Direct line manager, who will offer ongoing support and supervision
  2. Departmental heads – Implement internal work procedures and policies consistent with overall company goals and objectives
  3. External Specialists – Manage and maintain these strategic alliances
  4. Subordinates/Direct Reports – Determine work priorities; schedule work assignments; select, orient, train, evaluate work performance and recommend associated personnel action; provide staff with clear and concise written guidelines.


Performance review period:

Initial 3-month probation. Upon successful completion of the probation period, annual reviews will be conducted in April.

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