KEY RESPONSIBILITIES
Strategic Leadership
- Implement the Board-approved strategic and business plan
- Translate strategy into measurable operational targets
- Provide regular performance reports to the Board
- Drive institutional growth in line with risk appetite
2. Operations & Credit Management
- Oversee daily MFI operations including lending, collections, and customer service
- Ensure effective loan appraisal, disbursement, and recovery processes
- Maintain portfolio quality within Board-approved thresholds
- Strengthen internal controls and operational discipline
3. Financial Management
- Manage budgets, cashflows, and liquidity planning
- Ensure accurate financial reporting and timely management accounts
- Monitor profitability, cost control, and sustainability metrics
- Work closely with the Accountant and external auditors
4. Risk, Compliance & Governance
- Ensure compliance with the Microfinance Act and RBZ guidelines
- Implement and maintain policies, SOPs, and risk frameworks
- Identify operational, credit, and compliance risks
- Support internal and external audits
5. People & Performance Management
- Lead, supervise, and develop staff
- Set KPIs and performance targets for all team members
- Build a culture of accountability, integrity, and service excellence
- Oversee recruitment and disciplinary processes
6. Business Development & Partnerships
- Identify growth opportunities and new market segments
- Build strategic partnerships with banks, NGOs, and development partners
7. Stakeholder Engagement
- Serve as the primary management interface with the Board
- Represent the institution with regulators, partners, and key stakeholders
- Promote ethical lending and client protection principles
REQUIRED COMPETENCIES
- Strong leadership and decision-making ability
- Financial and analytical acumen
- Excellent understanding of credit risk and collections
- High integrity and ethical judgment
- Strong communication and reporting skills
- Ability to operate in a start-up / growth-stage institution
PERSONAL ATTRIBUTES
- Results-driven and disciplined
- Comfortable working with Boards
- Hands-on and execution-focused
- High accountability mindset
- Strong organisational and people skills