Teamlead, Microfinance Business

Key Responsibilities

1. Business Development & Relationship Management

• Portfolio Growth: Drive the acquisition and onboarding of new Microfinance Banks and Institutions as customers of the commercial bank. Manage a portfolio of existing MFI/MFB relationships to deepen wallet share.
• Technology Adoption: Drive adoption of technology solutions/APIs suited for the daily banking services. Develop manage or white label core banking application (CBA) for the partners.
• Value Chain Financing: Structure and pitch wholesale credit facilities contingent facilities and liability products (CASA Term Deposits) tailored to the cash flow and growth cycles of MFBs/MFIs.
• Cross-Selling: Identify opportunities to cross-sell the banks suite of products including trade services treasury management digital payment solutions and banking partnerships.
• Pipeline Management: Develop and execute a go-to-market strategy for the microfinance sector tracking performance against balance sheet and revenue targets.

2. Credit & Portfolio Advisory

• Due Diligence: Lead the commercial and operational due diligence process for onboarding MFB clients assessing their lending methodologies portfolio at risk (PAR) and management quality.
• Ongoing Monitoring: Review the financial health asset quality and capital adequacy of partner MFIs/MFBs to ensure the banks exposure remains healthy.
• Advisory Support: Advise MFI partners on best practices in credit risk management product diversification and interest rate setting to help them maintain a healthy portfolio that protects the banks downstream risk.

3. Regulatory & Compliance Liaison

• Intermediary Compliance: Ensure that all dealings with MFBs comply with the Central Banks regulations regarding financial institutions including lending limits related party transactions and reporting requirements.
• Advisory on MFI Compliance: Guide MFI partners (which may be non-bank financial institutions) on their own regulatory obligations (e.g. KYC/AML standards consumer protection laws) to ensure they remain in good standing thereby securing the banks indirect risk. 4. Product Innovation & Ecosystem Development
• Value Chain Solutions: Collaborate with the Product team to design banking solutions that address specific friction points in the MFI value chain (e.g. automated bulk disbursement/collection APIs agent liquidity management).
• Market Intelligence: Monitor trends in the microfinance sector including digital lending fintech partnerships and agricultural finance to identify new business opportunities for the bank. Thought Leadership: Represent the bank at industry conferences and regulator meetings to position the bank as the partner of choice for the microfinance sector

Minimum Requirements:

• Education: Bachelors degree in finance Economics Business Administration or a related field. An MBA or masters degree is strongly preferred.
• Experience: 812 years of experience in commercial banking financial institutions group (FIG) or microfinance lending.
• Great Interpersonal and Communication Skills.