Deputy Coordinator – Micro Credit

Job Description

Title: Deputy Coordinator – Micro Credit

Company Name: Anando

Vacancy: --

Age: At least 25 years

Job Location: Anywhere in Bangladesh

Salary: Tk. 60000 (Monthly)

Experience:

• 3 to 5 years
• The applicants should have experience in the following business area(s): NGO, Consulting Firms

• Master's degree in Economics, Finance, Accounting, Business Administration, Development Studies or a related subject.

• 3 to 5 years
• The applicants should have experience in the following business area(s): NGO, Consulting Firms

• Age At least 25 years

Experience

• At least 3-5 years of experience in credit/microfinance operations in an NGO or microfinance institution (MFI), of which at least 2 years in a supervisory or management role.

• Hands-on experience in loan appraisal, disbursement, recovery and portfolio management.

• Experience in reporting to donors and financing institutions (e.g. PKSF, banks) is preferred.

Knowledge

• Good knowledge of Microcredit Regulatory Authority (MRA) rules and the policies of financing institutions such as PKSF.

• Understanding of branch-level fund management, internal control and credit risk management.

Skills and Competencies

• Technical: Credit analysis, portfolio monitoring, data analysis and report writing.

• Leadership: Ability to supervise, guide and motivate field staff.

• Communication: Strong written and spoken Bangla and English; good negotiation and liaison skills.

• IT: Proficiency in MS Office (Word, Excel, PowerPoint); knowledge of microfinance software (MIS) is an advantage.

• Personal: Integrity, accountability, problem-solving ability, and the ability to work under pressure and meet deadlines.

Programme / Department: ANANDO Micro Credit Programme
Reports To: Coordinator - Micro Credit
Supervises: Credit Programme staff at area and branch level, as assigned by the Coordinator - Micro Credit
Duty Station: Head Office, with regular travel to area and branch offices
The Deputy Coordinator – Micro Credit supports the Coordinator – Micro Credit in the overall management of the credit programme. The post holder will be closely involved in visiting and overseeing unit/branch offices and in loan disbursement and recovery. He/she will be directly responsible for loan appraisal, verification and follow-up. The overall aim of the position is to strengthen the credit Programme so that it contributes to the organization’s long-term financial self-reliance.
Key Duties and Responsibilities: Under the guidance of the Coordinator – Micro Credit, the post holder will carry out the following duties:

A. Credit Operations and Programme Development

• Field operations: Visit, oversee and support unit/branch offices, and remain actively involved in loan disbursement and recovery.

• Loan appraisal and follow-up: Follow up of loan appraisal and/or verification of loan proposals and loans disbursement.

• Branch and working-area selection: Advise on the selection of new branches and working areas, as appropriate selection is a prerequisite for successful implementation of the credit programme. Seek support from relevant area-level departments as needed.

• Innovation: Take initiatives to introduce new approaches, techniques and projects in the implementation of the Micro credit programme.

• Learning from other institutions: Liaise with other lending and financial institutions to develop new approaches for the credit programme, and put them into practice.

• Policy development: In consultation with the credit management team, assist the Coordinator – Credit in developing suitable policies for effective implementation of the credit programme, and arrange for their circulation to the field as official circulars.

• Formats and registers: Develop the formats and registers required for the credit programme, and arrange their printing, binding and timely dispatch from Head Office to the branches.

B. Staff Management and Capacity Building

• Staff management: Make recommendations to the Coordinator – Micro Credit on all staff management matters for officers and staff involved in the credit programme, including training, transfer, promotion, disciplinary action and leave.

• Training: Arrange the training required by staff involved in the credit programme.

• Performance records: Maintain performance reports of credit programme staff, to be used as a basis for promotion and other staff decisions.

C. Fund Management and Resource Mobilization

• Loan fund mobilization: As required by the organization, communicate with the appropriate authorities, donors and financing institutions to secure loan funds.

• Branch fund management: Assist the Coordinator – Credit in ensuring sound fund management at branch level.

D. Monitoring, Reporting and Evaluation

• Donor reporting: Assist the Coordinator – Credit in preparing monthly, quarterly, half-yearly and annual reports in line with the requirements of donors and financing institutions.

• Programme reporting: Assist the Coordinator – Credit in preparing and presenting all required reports on the credit programme.

• Monthly analytical report: Submit a monthly analytical report on the overall progress of the credit programme to the Coordinator – Credit on time.

• Evaluation: With the support of the Coordinator – Credit, take the necessary steps to have the credit programme evaluated by internal and external evaluation teams.

• Field monitoring: Visit at least two areas every month to gain first-hand field experience and monitor programme performance.

E. Other Duties

• Comply with the organization’s policies, including safeguarding (PSEAH and child safeguarding), anti-fraud and anti-corruption, and code of conduct.

• Perform any other tasks assigned by the Coordinator – Credit or management in line with the purpose of the position.

• Grade / Level As per the organization’s salary structure Monthly Salary up to Tk. 60000.