YAKO Microfinance Ltd (MDI)
Exciting
Career Opportunity
Company
Information
YAKO Microfinance
Ltd (MDI) is a private limited liability company that provides the rural and
urban cottage industries, Agricultural industries, middle class employees and Self-employed
businessmen with sustainable and synergistic financial services. YAKO
Microfinance Ltd is committed to be a leading provider of quality diversified
financial products for current and future needs of our clients through a wide
network of branches in the domestic and Regional market.
To match our growth, we are seeking to recruit a number of multi-skilled professionals from diverse global background to support our ever increasing operation. The positions are:
1.
Head of Operation
Description
The
Operations Manager will carry out administrative and accounting duties by
organizing and coordinating banking services. The role will also involve assessment
of staff activities and performances by evaluating transaction reports and
accounts balance for accuracy and clarity. He/she will be required to create
and foster a cohesive team and promote a positive work environment, demonstrate
a general working knowledge of our products and services.
Primary Responsibilities
- Develop and enforce sound policies and structures for the growth of the company.
- Create a strong workforce by developing competent individuals in our banking operations team.
·
Coordinate, manage and monitor the workings of various departments to
deliver effective financial services to clients.
·
Review financial statements and data. Utilize financial data to improve
profitability. Prepare and control operational budgets. Control inventory. Plan
effective strategies for the financial well being of the company.
·
Ensure Best Practices through our processes and
policies in support of our goals. Formulate and implement departmental and
organizational policies and procedures to maximize output; and limbing our
organizational culture in all staff members through personal coaching and
granting of bonuses and other incentives to motivate staff. Monitor adherence to rules, regulations and procedures.
·
Develop financial back up plans to protect business operations in the
event of major crises that could result in huge losses.
·
Organize recruitment and placement of required staff. Establish
organizational structures. Delegate tasks and accountability. Establish work
schedules. Supervise staff. Monitor and
evaluate performance.
·
Coordinate and monitor the work of various departments involved in
production, warehousing, pricing and distribution of goods. Monitor performance
and implement improvements. Ensure quality of products. Manage quality and
quantity of employee productivity. Manage
the maintenance of equipment and machinery. Provide technical support
where necessary.
·
Monitor, manage and improve the efficiency of support services such as
IT, HR, Accounts and Finance. Facilitate coordination and communication between
support functions.
·
Planning and managing support
sales and marketing activities.
·
Liaison with top management. Assist in the development of strategic
plans for operational activity. Implement and manage operational plans.
·
Create and implement long term business plan to ensure continuity of
business operations in the long run.
·
Monitor daily operations to
ensure a free flow process, and also supervise the execution of daily tasks.
·
Oversee the processing of centralized loans and other banking activities
to ensure due process, accuracy and accountability are followed.
·
Ensure client data is protected from the public and secured against
fraud by enforcing access rights and verification levels.
·
Collaborate with heads of other units to develop best practices for
successful banking operations.
·
Delegate tasks to members of the
operations team.
Qualifications and Key
Skills
The
ideal candidate must have a College degree in BBA/MBA in banking from a
recognized University. Relevant experience includes + 2-year cash handling
experience (required); + 3 year's Supervisory experience in a cash handling
position, 1-year customer service experience, and at least 1 year of banking
experience. At least 1 year in a
professional environment on the teller line will be an added advantage.
The following attributes will be an added
advantage: ability to multitask and juggle competing priorities while
successfully meeting objectives and goals, serves as the role model for
delivering personal World Class Service and ensures the same from teller staff,
Strong computer knowledge and Windows skills required. Strong interpersonal,
communication and organizational skills. Uses good judgment in applying
procedures and granting exceptions balancing the need for compliance and good
customer service.
2.
Deposit Mobilizer
- 3
Posts
·
Manage the High network of individual customer’s portfolio for the company.
·
Explain to customers the different types of loans and credit
options that are available, as well as the terms of those services.
·
Obtain and compile copies of loan applicants' credit
histories, corporate financial statements, and other financial information.
·
Review and update credit and loan files.
·
Enhances and establishes relationship with existing and
perspective customers in the segment of various taking to clients on weekly
basis.
·
Review loan agreements to ensure that they are complete and
accurate and according to policy.
·
Computing payment
schedules.
·
Keeping abreast with new types of loans and
other financial services and products in order to be better meet customers'
needs.
·
Any
other task as may be assigned by the Operations Manager.
Qualifications
and Required Skills
Education
and qualification: Graduate/MBA.
Work
experience: +3 years in Sales/Banking will be preferred.
Technical
skills: Proficiency in computer especially MS Office, knowledge of Banking
systems products and services.
3. Loan Officer
- 2
Posts
·
Support the setting up of credit policies idea for operational loan
policy.
·
Meet with applicants to obtain information for loan applications and to
answer questions about the process.
·
Approve loans within specified limits, and refer loan applications
outside those limits for management approval. Analyze applicants' financial
status, credit, and property evaluations to determine feasibility of granting
loans.
·
Analyze applicants' financial status, credit, and property evaluations
to determine feasibility of granting loans.
·
Work with clients to identify their financial goals and to find ways of
reaching these goals.
·
Negotiate payment with customers who have delinquent loans.
·
Handle customer complaints.
·
Provide special services
investment banking for clients with more specialized needs.
·
Analyze potential loan markets and develop referral network in order to
locate prospects for loans.
·
Prepare reports for submission to customers with delinquent accounts for
collector action.
·
Arrange for and liquidation of delinquent properties.
·
Any other tasks as may be delegated from time to time.
Qualifications and Required Skills
Education
and qualification: Graduate/MBA.
Work
experience: +3 years in Sales/Banking will be preferred.
Technical
skills: Proficiency in computer especially MS Office, knowledge of Banking
systems products and services.
4.
Head Cashier
The
Head Cashier will be responsible for supervising a group of cashiers and
rendering assistance with transactional duties. He/she will be responsible for
ensuring accurate computation of the entire invoice on the basis of goods and
services acquired by customers. A considerable period of time will be expended
by the head cashier on recruiting and education of staff. The promotion will be conferred
on reliable individuals who are highly efficient and whose work standards may
have impacted other cashiers positively.
·
He/she makes
them familiar with the company’s human resources standards as well as the
policies that encompass conduct of staff at workplace.
·
Ensuring clients
feel welcome and accepted and provide feedback to clients’ inquiries.
·
Organize
transactions relating to customers in from of card and cash expenditure.
·
Makes use of
cash registers and is accountable for inspecting the inventory’s front-end
operations where other cashiers are carrying out their duties.
·
Ensure that
the checkout section is orderly and secure.
·
Ascertain
that transactions involving customers are expeditiously and efficiently
processed.
·
Oversee all
front end pursuits by stopping over at customer service desk, commercial
records and front line journals.
·
Provide
rapid response to client complaints and acknowledging them professionally.
·
Mentor
simple cashiers in the mastery of outstanding customer service.
·
Designate
duties to the cashier unit daily and decide on extent of daily workload.
·
Find
resolution to team conflicts daily and carry out disciplinary actions on
offenders.
·
Collect and
pay checks, credit cards, and wire transfer; and complete each transaction in
line with enacted principles and procedures.
·
Perform any
other duty as may be assigned by the CFO/Operations Manager from time to time.
Qualification and Required Skills
The following successful applicant
should have:
+5 years of experience in
a busy commercial setting plus an Associate degree in business, economics, mathematics
or in related course from a recognized University. You should be able to work
in a high pressure environment, have excellent interpersonal and communication
skills, be a team player and also be able to work a flexible schedule including
day, evening, weekends and holidays. Others are:
- Ability to utilize fundamental mathematical concepts and sufficient understanding of weights and measures.
- Physically fit and able to execute tasks involving extended periods in positions of standing, sitting, or carrying out other activities affiliated with the task at hand.
- Outstanding client service skills and optimistic demeanor.
5.
Driver
Job Description - 1
Post
The driver will put the
pedal to their mental faculties. He/she
will operate our official vehicle. He/she
should be quick to know highways and
roads, observe traffic laws, and be able to stay focused on the road.
Job Skills and Requirements
·
Hand-Eye
Coordination: You will be operating a complex machine while trying to find
addresses, talk to passengers and observing other drivers on the road. You will
need great hand-eye coordination to make sure you are accident free.
·
Hearing: You will
need to hear passenger instruction, talk to dispatchers, and speak with people
at the delivery site. Good hearing is a must.
·
Stamina: Long
days on the road and lifting and moving materials can all be part of your day
as a driver.
·
Good Vision: You
will have to watch everything on the road for potential collisions, accidents
and mishaps.
·
Map-Reading
Skills: Don't get lost. Learn to read a map.
·
Punctuality:
Drivers are expected to get to their destination on time. Being able to manage
your time wisely will help you with that.
·
Math Skills: In
some driver jobs, you will have to make change, count supplies and use basic
math.
Compensation
We offer an excellent
benefits package that includes medical care, housing allowance and mortgages.
YAKO Microfinance Ltd
(MDI) is an equal opportunity employer. If you want to join our happy and
hardworking team, please send your resume and application to the HR & Administrations Manger at rjain@rarainfotech.com not later than October 17th, 2016.
YAKO Microfinance Ltd (MDI)
Suite B Raja Chambers
14 Plot 3, Parliament Avenue
P.O Box 2867, Kampala
UGANDA
Tel: +256 414 251251/ +256 772 166382/ +256 703 300743.
