Caritas Microfinance Bank is a licensed microfinance bank regulated by Central Bank of Kenya. Caritas MFB offers a full range of innovative and customized financial services with a special focus on the unbanked and underbanked. Its headquarters are located in the Nairobi CBD. Caritas MFB was formed to provide affordable, innovative and customized financial solutions to micro and small enterprises (MSEs) and to vulnerable groups that are mostly unbanked and underbanked. JOB PURPOSE Provide financial and business solutions to micro customers including credit solutions, liability products and customer service. KEY RESPONSIBILITIES Driving customer recruitment for micro business customers. Leading in developing suitable products and services for micro in liaison with the branches, HOD Retail Banking and the Product Development team Delivery of exceptional performance through the micro business team. Proactive leading and directing the relationship teams accountable for the portfolio of micro business customers. Taking initiative in terms of business development activities and ensuring that quality business is retained, and high service standards are delivered by the team. Demonstrating an intimate knowledge of the market and the competitor to inform market penetration, growth, and retention. Making quick business decisions that balance risk, profitability and most importantly responsiveness to customer needs. Reviewing performance of assigned Relationship Officers and/or Branch Managers against micro business budgets for all assigned KPI targets. Continually monitoring and following up with respective micro business Relationship Officers and/or Branch Managers to ensure that the set Micro business targets are being achieved, and gaps adequately addressed. Conducting regular customer visits to enhance relationship development and customer maintenance, as well as growth of the business wallet. Monitoring and following up with micro business Relationship Managers/Officers and/or Branch Managers to ensure balanced growth of the micro business portfolio. Monitoring quality of the loan book advances by reviewing arrears, account excesses and irregular accounts, among others. Monitoring performance against set targets. Conducting customer engagement initiatives like financial literacy, coaching and mentorship QUALIFICATION AND EXPERIENCE REQUIREMENTS Holder of bachelor’s degree in a business-related field. Thorough knowledge of MSME banking product and policies. 3 years’ experience in banking Professional banking qualifications will be added advantage Knowledge of lending products and prudential guidelines. Ability to lead teams and deliver business results. Must be self-driven; possess excellent administrative, communication and interpersonal skills, strong organization, and negotiation skills. Resilient, Confident, and self-motivated.