Tujijenge Tanzania’s mission is to improve the quality of life for families in Tanzania through the provision of microfinance. We are a microfinance organisation, offering products through group and individual lending, targeting micro and small enterprises.
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Tujijenge Tanzania was set up by Tujijenge Afrika, with the vision of being a leader in the provision of caring, customer focused financial services, and with the core values of transparency, integrity, sustainability, respect, teamwork, and empowerment. We are committed to positively influence the lives of our members, with customer focused financial services that impact them individually as well as their enterprises and the wider community.
POSITION: Regional Manager
REPORTING: Head of Operations
LOCATION: Dar es Salaam
DEADLINE: 7th August 2021.
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Job Summary:
Regional Manager is responsible for driving growth in terms of clientele and portfolio and managing portfolio quality for the entire growth. The focus of the position is to ensure smooth operation of the entire region and enhance capacity of all staff within the region.
Job description:
- Loan Portfolio management of Branches in the respective region
- Conduct market research to determine potential products for the particular region and support the expansion of regional product and services.
- Supervise and evaluate branch staff (BMs and Supervisors) and lead staff to meet organizational goals and promote organization culture
- Conduct frequent field visits to identify irregularities if any and solve problems immediately
- Advocates and coordinate with government authorities
- Maintain transparent budgeting and fund management of the branch.
- Prepare Business Plan, work plan and budget for the targeting regions
- Maintain proper credit discipline
- Make report of operation, financial report, and any necessary reports assigned by Upper manager
- Participate in recruiting the field staffs
- Maintain, train and develop Loan Officer
- Responsible for the recognizing & observing/training, cash withdrawal & deposit, loan disbursement, repayment collection and all kinds of financial management in branch level.
- Recommend of loan proposal for approval
- Sign all vouchers prepared for accounts on a daily basis on behalf of BM if the BM are not available
- Perform any other responsibilities as assigned by Head of departments.
Job Requirements:
- Degree or masters in business administration, finance, accountancy, commerce or any related field.
- Minimum 6 years work experience on microfinance
- Minimum 3 years of work experience on similar position
- Good Interpersonal skills & prefer in good at English proficiency
- Computer literacy
- High level of integrity
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POSITION: Branch Manager:4 posts
REPORTING: Regional Manager
LOCATION: Dar es Salaam, Geita, Mwanza
DEADLINE: 7th August 2021.
Job Summary:
The Branch Manager is responsible for planning, implementing and managing all branch level financial/operational activities in a manner that the branch operates profitably and efficiently. This individual is directly accountable for the growth of the business; achieving the branch’s financial/operational goals in terms of number of customers and the portfolio.
Job Description:
- Responsible for clientele growth and maintain portfolio quality of the respective branch
- Conduct market research to determine potential products for the particular branch
- Ensure that team and individual targets are met while maintaining portfolio quality, customer satisfaction, employee satisfaction and profits
- Develop and maintain highly disciplined and professional personnel
- Conduct performance appraisals for Supervisors and other personnel in a fair manner as scheduled
- To ensure proper maintenance of leave and contracts records of each employee
- Serve as primary contact between Head of Operations and the Branch.
- Provide input and feedback as well as troubleshoot problem areas and operational deficiencies.
- Continuously oversee a smooth flow of information throughout the branch.
- Communicates timely issues related to potential loan loss as soon as identified; late payments, embezzlements, delinquency and default
- Participate and carry out weekly meetings ( team and branch) to reinforce standards and procedures
- Prepare and submit weekly/monthly progress report to Regional Manager and/or Head of Operations
- Continuously keep contact with customers by visiting groups and hearing the customers’ voices
- Ensure safe custody of branch assets and equipments
- Is responsible for financial management and transactions at branch level at all times.
- Examines and approves loan requests, petty cash, advances and expenses reports.
- Utilizes all appropriate means to determine methods of securing, monitoring and the collection process of loans
- Ensures timely compilation and submission of weekly, monthly and/or quarterly returns reports to responsible person.
- Responsible for branch income and expenditure in order to drive the branch to operational and financial sustainability
- Ensure smooth operations of the team and monitor performance.
- Encourage teamwork, energy and enthusiasm required to achieve company goals and objectives
- Lead personnel development by example and by encouraging talent management to staff
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Job Requirements:
- Degree in related field desired, not required
- Diploma, Advanced diploma, Degree or masters in business administration, finance, accountancy, commerce or any related field.
- Minimum 4 years work experience on microfinance
- Minimum 2years of work experience on similar position
- Good Interpersonal skills & prefer in good at English proficiency
- Computer literacy
- High level of integrity
POSITION: Loan Officer : 35 posts
REPORTING: Branch Manager
LOCATION: Dar es Salaam, Geita, Mwanza
DEADLINE: 7th August 2021.
Job Summary:
Loan Officer is responsible with marketing and recruiting potential clients for assigned products and maintains portfolio quality and client retention. A Loan Officer will work on set targets from the Supervisor.
Job Description:
- Market and recruit potential clients for assigned products
- Evaluates loan applications and documentation by confirming credit worthiness of the client
- Prepare appropriate loan applications and documentation by informing the applicant of additional requirements
- Approves/ rejects loans by issuing checks or forwarding application to the loan committee
- Respond to customer inquiries timely
- Retain potential clients and ensures smooth services to the clients
- Achieve monthly targets as set by supervisor.
Job Requirements:
- Diploma/ Advanced diploma/ Bachelor in accounts, finance, marketing, economics or any relevant qualifications
- Experience in financial services is an added advantage
- Excellent mathematics and communication skills and ability to work on a team and independently
- Demonstrated ability and skill to manage results
POSITION: Recovery Officer: 4 posts
REPORTING: Branch Manager
LOCATION: Dar es Salaam
DEADLINE: 7th August 2021.
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Job Summary:
Recovery Officer is to manage an assigned portfolio of loans in default using the TUJIJENGE loan collections and recovery framework.
- Regularly review loans in default and initiate plans/strategies for recovery of those loans
- Make recommendations to branch manager about the likelihood of recovering loans in default and whether legal action will be required;
- Appraise and assess bad loan situations, prepare reports for the recovery manager and follow up cases of bad loans handled by bailiffs, auctioneers and lawyers
- Track and analyse causes of and trends in loan delinquency and recommend appropriate corrective strategic actions
- Ensure the PAR >30 ratios do not exceed 5%.
- Master and ensure appropriate implementation of the TUJIJENGE loan collections and recovery framework protocols including department networking and skip tracing methods
- Appropriately and effectively apply the protocols to work the loans in default as assigned
- Display a persuasive and professional manner while encouraging borrowers and/or guarantors to repay their loans in a timely manner as contractually obligated.
- Regularly locating/relocating, identifying and seeking contact with borrowers/guarantors in default(i.e. by personal visits, telephone or mail etc.) to remind them of their obligations and/or discuss and effect resolutions to their delinquency problems (i.e. payment, renegotiation, collateral seizure etc.) while simultaneously endeavouring to build and maintain good customer relationships
- Completing and recording (collection activity report) regular borrowers in default contact and analysis/re-analysis of financial status followed by a comprehensive agreement for repayment of the loan/arrears
Job Requirements:
- A Diploma/Bachelors Degree or Masters in business administration, accountancy, finance or any relevant filed.
- minimum of four years of loan collections and recovery experience in the financial services sector
- Strong people/relationship skills
- Excellent oral and written communication skills in English and Kiswahili.
POSITION: Internal Auditor: 1 posts
REPORTING: Head of Internal Audit
LOCATION: Dar es Salaam
DEADLINE: 7th August 2021.
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Job Summary:
Internal Auditor is responsible for the overall direction, coordination, and management of the Audit office. The Internal Auditor will be responsible in developing and maintaining tools for audits including but not limited to forms, manuals, policies and procedures.
- Responsible for the overall direction, coordination, and management of the Audit office.
- Responsible in developing and maintaining tools for audits including but not limited to forms, manuals, policies and procedures.
- Will lead the analysis of portfolio conduit, accounting records, assets records and books of original entries both in the office and in the field to determine whether accepted accounting procedures are followed in recording such transactions.
- Prepares reports for the Audit Committee concerning the scope of audit, financial condition found, application and administration of funds within the company.
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Job Requirements
- Degree or masters in accounting and finance or any relevant field
- CPA applicants are encouraged
- Understanding of the microfinance lending methodology is an added advantage
- Ability to write reports, procedure manuals and the ability to present information and respond to questions from managers and employees
- Ability to carry out instructions and can perform in challenging environments
HOW TO APPLY
Interested in this position please Send your CV and cover letter to recruitment@tujijenge.or.tz
