Job Description

About the Role:

Location: Mombasa Road inbound & Environs(Nunguni,Sultan Hamud,Tawa,Wote,Makindu,Kathonzweni)

Commitment: Full-time

Reports to: Team Leader

The role is responsible for driving sustainable business growth within the assigned area by executing effective sales, marketing, and operational strategies while safeguarding portfolio quality and institutional standards. The position ensures strong loan performance through rigorous credit oversight, delinquency management, and strict adherence to lending policies and procedures. Acting as the key link between head office and field operations, the role ensures operational efficiency, risk control, customer confidentiality, asset protection, and the maintenance of a strong corporate image.
 

Key Responsibilities:

1. Client Acquisition and Pipeline Development a. Identify and onboard new schools interested in Jackfruit’s loan products, meeting monthly targets.

• Identify and onboard new schools interested in Jackfruit’s loan products, meeting monthly targets. 

• Foster strong relationships with school leaders, becoming a trusted advisor for their financial needs.

2. Credit Scoring and Loan Processing. 

• Conduct thorough credit scoring for schools applying for loans through accurate and detail oriented data capture. 

• Evaluate applicants’ financial profiles and ensure accuracy in credit applications before review.

3. Training and Onboarding for Loan Recipients 

• Train approved schools on managing their Jackfruit loans, ensuring a clear understanding of repayment processes and project guidelines. 

• Monitor project implementations and asset purchases to confirm funds are utilized as intended. 

4. Debt Portfolio and Risk Management. 

• Manage and monitor the repayment of loans, ensuring timely collections and developing corrective action plans for delinquent accounts. 

• Collaborate with internal teams to achieve a 100% on-time repayment rate.

5. Client Relations and Ongoing Support.

• Provide ongoing financial guidance and support to schools, addressing queries and maintaining a positive client relationship. 

• Attend regional meetings and peer review sessions to share insights and contribute to best practices within the SSL team. 

6. Data Management and Operational Support 

• Ensure accurate tracking of client data and loan application status, and actively follow up with pending applications.  

• Execute other education finance-related tasks as assigned by the Team Leader or Head of Operations.

Key Performance Indicators (KPIs):

• Repayment: Achieve a 100% on-time repayment rate across all loans. 

• Disbursement Targets: Achieve disbursement targets monthly 

• Fund Utilization: Ensure all disbursed funds are used as intended for project or asset acquisition. 

• Junior School Support Lead Level 1: Monthly target of 1.5M

• Junior School Support Lead Level 2: Monthly target of 2M 

Knowledge, Skills and Experience

Minimum level of academic and professional qualifications required to perform effectively in the role

1. Relevant Diploma from a recognized institution

2. Certificate in basic computer skills

Minimum level of experience required to perform effectively in the role

1. Atleast a minimum of 18 months experience in sales, preferably in school financing, and SME lending 

2. Notable achievements in sales targets, portfolio quality, etc

Working relationships

Internal:

1. Commercial Manager

2. Finance team 

3. Collection team 

4. Credit Analyst team 

5. Customer care 

6. Loan officers/SSLs 

External:

1. Customers/ School Directors 

2. Insurance Provider 

3. Valuers Auctioneers 

4. Other financial providers

Core Competences

Technical 

1. Market intelligence skills. 

2. Decision making skill 

3. Management skills 

4. Risk management skills 

5. Analytical and organizational skills 

6. Communication/Report writing skills 

7. Credit assessment, credit scoring and setting credit limit skills 

8. Familiarity with industry rules and regulations

Behavioral 

1. Leadership skills 

2. Communication skills 

3. Team player 

4. Customer care 

5. Negotiation skills 

6. Problem solving skills 

7. Ability to work under minimum supervision

Equality & Non-Discrimination Practices: Jackfruit Finance is committed to fostering a work environment that values diversity and inclusivity. We are an equal opportunity employer, and we adhere to the principles outlined in Article 27 of the Constitution of Kenya 2010, which prohibits discrimination on the grounds of race, gender, ethnicity, religion, disability, and social status.