Digaf Microcredit Jobs Vacancy
Digaf Microcredit
Digital Micro Credit Provider invites qualified applicants for the following job positions.
Digaf Microcredit Providers, a tech-based microfinance institute, has signed a Memorandum of Understanding( MoU) with the Ethiopian Ministry of Labor and Skills (MoLS).
The partnership will allow the two signatories to facilitate access to affordable digital loan products for low- and medium-income individuals. The institute aims to provide financial relief to middle to lower- to lower-income individuals through the application of technology in the financial sector.
Digaf’s digital product offerings will include buy now, pay later financing and targeted loan products for micro, small, and medium enterprises (MSMEs)
Position 1: Treasury Officer
Responsibilities
This position directly reports to the CFO & contributes to the company’s benefits by maintaining an effective & secured portfolio of bank accounts through the direction of the CFO to support its operations by overseeing account opening & closing, signatories’ conservation, validations, and administration.
The Officer will support the CFO in all aspects of Bank Account Management conditioning in an effective manner.
Help the CFO in managing the portfolio of all bank accounts.
Maintained all aspects of account opening & ending, authorized signatories, and ensured Internet banking was operated securely.
Prepare and review any affiliated validations about the bank account operation.
Coordinate and communicate with banks to ensure all needed nonsupervisory, banking, and backing compliance are met.
Maintain and modernize the master database for all bank accounts.
Help in arranging banking installations compliance to support the Digaf operations.
Handling the communication and relationship with banks through the direction of the CFO
Timely manage and modernize bank information and liquidity.
Conditions
BA/ Mama graduate in Accounting & Finance, Economics, Business Administration, or affiliated disciplines.
2- 5 times of applicable working experience in commercial storeroom/ finance operations or administration/ secretarial exposure or banking operation background preferred.
Good command of written and spoken English
Proficient in MS Excel, MS Word, and MS PowerPoint.
Knowledge of Database management is an advantage.
Good communication and interpersonal skills.
Self-initiative, good business sense, attentive to details, and a strong team player.
Position 2: Retail Manager
Key Responsibilities
Operations
Oversee the day-to-day operations, ensuring the smooth delivery of services similar to micro-loans, savings products, and other fiscal services.
Manage the operations to meet business pretensions, icing client service excellence and functional effectiveness.
Ensure compliance with the company’s programs, nonsupervisory conditions, and fiscal laws.
Team Management & Leadership
Lead, manage, and develop staff, ensuring they're motivated, productive, and trained in all areas of the operation, including loan products, customer service, and fiscal compliance.
Conduct performance appraisals, set individual goals, and provide coaching and mentoring.
Coordinate reclamation, scheduling, and training of new platoon members.
client Relationship operation
figure and maintain strong connections with guests, particularly within underserved communities.
Address client inquiries, complaints, and feedback instantly and effectively, icing high client satisfaction.
Ensure the branch provides substantiated, accessible, and transparent fiscal services.
Loan Disbursement & Collections
Oversee loan disbursement processes and ensure that all loans are approved, expended, and repaid in line with company guidelines.
Examiner loan portfolios, icing timely collections, and low dereliction rates.
Develop strategies to manage and reduce loan delinquency, enforcing collection practices where necessary.
Deals & Business Development
Drive client accession and profit growth through targeted marketing and outreach programs.
Identify openings for new fiscal products or services acclimatized to the community’s requirements.
Examiner challengers and request trends to ensure they remain competitive.
Financial Performance & Reporting
Monitor branch financial performance, including loan book size, profitability, and functional costs.
Prepare and review regular fiscal and performance reports, furnishing perceptivity to elderly operations.
Ensure popular targets are met and branch expenses are controlled.
Risk & Compliance Management
Ensure all operations comply with legal, nonsupervisory, and internal policies.
Assess and manage pitfalls related to lending, including assessing borrower creditworthiness and request conditions.
Maintain accurate records and ensure proper documentation for audits and compliance purposes.
Community Outreach & Financial knowledge
Promote fiscal knowledge programs and shops to enhance the community’s understanding of fiscal services.
Represent the microfinance institution at original events, conferences, and community meetings to build brand awareness and trust.
Department Operation
Location( HO, A.A.)
Reports to COO
Proven experience as a Retail Manager, Branch Manager, or analogous role in a microfinance or financial services environment.
Experience in managing loan portfolios, collections, and customer service in the microfinance sector is preferred.
Demonstrated success in achieving sales targets and financial goals.
Bachelor’s or Master’s degree in Business Administration, Finance, Economics, or a related field. Professional qualifications in microfinance or Fintech are an advantage.
Position 3: Head of Green Financing
Key Responsibilities
Loan Management
Oversee and manage the processing and administration of green backing loans, including reviewing loan applications, ensuring proper documentation, and ensuring compliance with internal and nonsupervisory requirements.
Facilitate the disbursement of loans to approved clients in a timely and effective manner.
Ensure accurate loan records are maintained, including repayment schedules and outstanding balances.
Customer Communication & Relationship Management
Serve as the primary point of contact for clients seeking green financing products, providing information and support throughout the loan process.
Handle customer inquiries, provide guidance on loan terms, and address any issues or enterprises that arise during the loan lifecycle.
Loan Documentation & Compliance
Ensure that all green backing loan documents are properly set, reviewed, and executed according to internal policies and legal requirements.
Monitor the compliance of green financing transactions with environmental standards, organizational programs, and applicable regulations.
Loan Collection & Recovery
Monitor loan repayments and follow up with clients to ensure timely collection of payments.
Utensil strategies to minimize loan defaults and delinquency, including offering flexible repayment terms when necessary.
Sales and Marketing of Green Financing Products
Support the sales team by promoting green backing products to implicit customers, including businesses, individuals, and other associations.
Participate in marketing activities and events to raise mindfulness of the green financing options available.
Reporting and Performance Monitoring
Prepare regular reports on the performance of green financing products, including loan disbursements, repayments, and outstanding balances.
Collaboration and Coordination
Work closely with other departments( e.g., Risk, Legal, Compliance, Marketing) to ensure the smooth and effective operation of green financing products.
Participate in regular meetings with the product development team to ensure flawless integration of new green products into the functional processes.
Training and Capacity Building
Provide training and guidance to internal brigades on the functional aspects of green backing, including loan processing, documentation, and customer service.
Ensure that team members are well-versed in green financing products, environmental standards, and compliance requirements.
Reports to the Chief Operating Officer( COO)
Department Operation
Location Addis Ababa, Ethiopia
Employment Type Full-time
Job Description( JD)
A Bachelor’s or Master’s degree in Finance, Business Administration, Environmental Science, or a related field.
Minimum of 5 years of experience in financial services, with at least 2 years of experience in loan administration, customer service, or related operations.
Knowledge of green backing, sustainability, or environmental-related fiscal products (e.g., renewable energy, electric vehicles, etc.) is a plus.
Preferred Qualifications
Experience in microfinance, green financing, sustainable finance, or Fintech is an advantage.
Knowledge of applicable public and transnational environmental regulations.
Fluency in English and original languages like Amharic and Afaan Oromo is desirable.
Position 4: Initiatives Manager
Key Responsibilities
Initiative Development and Execution
Translate abstract ideas into detailed project plans with clear timelines, deliverables, and measurable outcomes.
Manage the lifecycle of new initiatives, from ideation to full implementation, ensuring alignment with organizational objectives.
Product Innovation
Work closely with cross-functional teams to identify market gaps and design innovative fiscal products that meet customer requirements.
Led the creation, testing, and rollout of new financial products, icing user-centric designs and compliance with nonsupervisory requirements.
Digital Transformation
Spearheaded digital initiatives to enhance functional efficiency, customer experience, and service delivery.
Collaborate with IT teams to integrate cutting-edge technology and digital tools into microfinance operations.
Ensure smooth adoption of digital platforms among customers and staff through training and support.
Stakeholder Engagement
Engage with internal and external stakeholders to foster collaboration and gain buy-in for new initiatives.
Act as a change agent, promoting a culture of innovation and adaptability across the organization.
Performance Monitoring and Reporting
Develop metrics to evaluate the success of implemented initiatives and products.
Provide regular updates and reports to elderly management on the status and impact of initiatives.
Location (HO, A.A.)
Education Bachelor’s degree in Business Administration, Finance, Innovation Management, or any other related field. A Master’s degree is a plus.
Experience
At least 5 years of experience in project management, product development, or innovation within the fiscal services or fintech sector.
Proven track record of successfully launching and implementing new initiatives or products.
Specialized Skills
Proficiency in project management tools and methodologies.
Familiarity with digital tools, platforms, and technologies in financial services.
Creative and Strategic Thinking Demonstrated ability to develop innovative solutions and think outside the box.
Leadership Skills Strong leadership and team collaboration capabilities to drive change and inspire creativity
Communication Skills Excellent written and verbal communication skills, with the ability to influence and engage stakeholders at all levels.
Location Addis Ababa
How To Apply
However, send your CV and a cover letter to (hr@digafcredit, If you're passionate about invention and ready to make a significant impact in the microfinance industry) by (March 10, 2025). Please include “ Initiatives Manager Application – DIGAF Microfinance ” in the subject line.
DIGAF Microfinance is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all workers.
