Head, Credit and Marketing (Micro-Finance Bank) at Dove Consulting

Job Description

• To develop and implement strategic marketing plans.
• To provide effective leadership to the credit and marketing team to achieve set targets in deposit mobilization and credit facilitation.
• To mobilize deposits and facilitate granting of loans and professionally manage customer relationship to ensure repeat business transactions.
• To develop business growth in zones through the preparation of promotional outreach materials and messages.

Responsibilities
Strategy:

• Develop and implement strategic credit and marketing plans.
• Prepare and implement promotional outreach materials and messages.

Leadership Responsibilities:

• Lead and motivate the credit and marketing team
• Co-ordinate Team Leaders to deliver set targets on deposit mobilization and loans
• Train credit/marketing officers
• Appraise the day to day performance of credit/marketing officers
• Monitoring the target set for Credit and Marketing Department.
• Develop, implement and track initiatives that ensure transparency and honesty in dealing with customers.
• Co-ordinate a quarterly and an annual performance management process for the credit and marketing team

Credit management:

• Ensure visitation to the customer’s place of business before loan disbursement
• Appraise the loans initiated by the Relationship Officers and Team Leaders and recommend to the Management Credit Committee
• Monitor compliance with loan repayment terms.
• Deliver loan target.
• Prevent delinquent loans.
• Monitor repayment of delinquent loans.
• Monitor compliance with laid down procedures loan portfolio management.

Customer’s Training:

• Informal training of customers on best business practices.
• Orient customers to maintain a prudent economic lifestyle.

Teamwork:

• Issue weekly Marketing Reports to the Management Team.
• Facilitate formal communication within the Credit and Marketing Department.
• Coordinate and chair departmental meetings.
• Ensure the provision of appropriate tools needed to deliver departmental goals and objectives.

Budgetary control:

• Prepare a departmental budget.
• Monitor compliance with of approved departmental budget.
• Manage field expenses.