Credit Officer

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    "jobOpeningName": "Credit Officer",
    "departmentLabel": "Finance",
    "employmentStatusLabel": "Full-Time"
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    "location": {
      "city": "Nairobi",
      "state": "Kenya",
      "postalCode": "2391",
      "addressCountry": "Kenya"
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    "datePosted": "2026-05-29",
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    "description": "<p><span style=\"color: rgb(255, 153, 0); font-size: 14pt; font-weight: bold\">Credit Officer</span><span style=\"color: rgb(10, 32, 63); font-size: 14pt; font-weight: bold\">| </span><span style=\"color: rgb(10, 32, 47); font-size: 14pt; font-weight: bold\">Finance</span><span style=\"color: rgb(135, 189, 35); font-size: 14pt; font-weight: bold\">| Nairobi</span></p>\n<p><br></p>\n<p><span style=\"color: rgb(0, 178, 169); font-size: 14pt; font-weight: bold\">Sistema.bio, we w</span><span style=\"color: rgb(0, 178, 169); font-size: 14pt; font-weight: bold\">ork with farmers to improve life on Earth</span><span style=\"color: rgb(0, 178, 169); font-size: 14pt; font-weight: bold\">.</span></p>\n<p><span style=\"color: rgb(34, 34, 34); font-size: 10pt\">At Sistema.bio, we firmly believe that the transition to renewable energy, the reduction of global greenhouse gas emissions, and the adoption of regenerative farming are essential to ensuring a thriving world for current and future generations.</span></p>\n<p><span style=\"color: rgb(34, 34, 34); font-size: 10pt\">We empower family farms across Africa, Asia, and Latin America with innovative biodigester and biofertilizer technology, alongside training, customer service, and financing, enabling them to become more independent and productive.</span></p>\n<p><span style=\"color: rgb(34, 34, 34); font-size: 10pt\">Our mission drives action at the intersection of food security, social justice, and climate change.</span></p>\n<p><br></p>\n<p><span style=\"color: rgb(10, 32, 63); font-size: 12pt; font-weight: bold\">You have the opportunity to become an integral part of this impactful story!</span><br></p>\n<p><br></p>\n<p><span style=\"color: rgb(0, 178, 169); font-size: 12pt; font-weight: bold\">Your mission at Sistema.bio:</span></p>\n<p><span style=\"font-size: 10pt\">The Credit Officer will be responsible for ensuring farmers can access and repay financing for their biodigesters by evaluating creditworthiness, driving timely loan collections, and maintaining a healthy credit portfolio in strict compliance with Sistema.bio's credit policies.</span></p>\n<p><br></p>\n<p><span style=\"color: rgb(0, 178, 169); font-size: 12pt; font-weight: bold\">You’ll be in charge of:</span></p>\n<ul>\n<li><span style=\"color: rgb(0, 0, 0)\"><span style=\"font-size: 10pt; font-weight: bold\">Credit Portfolio Management:</span><span style=\"font-size: 10pt\"> Monitoring and reviewing the performance of credit accounts to ensure timely repayments and PaR of less than 10%.</span><br></span></li>\n<li><span style=\"color: rgb(0, 0, 0)\"><span style=\"font-size: 10pt; font-weight: bold\">Loan Evaluation and Approval: </span><span style=\"font-size: 10pt\">Reviewing credit applications guided by established processes, credit policy, and the risk profile of the farmer, with an approval turnaround of less than 72 hours.</span><br></span></li>\n<li><span style=\"color: rgb(0, 0, 0)\"><span style=\"font-size: 10pt; font-weight: bold\">Field Recovery Activities: </span><span style=\"font-size: 10pt\">Conducting on-ground field visits to customers in default, negotiating repayment plans, and resolving repayment challenges to achieve a minimum of 80% of monthly collection targets.</span></span></li>\n<li><span style=\"color: rgb(0, 0, 0)\"><span style=\"font-size: 10pt; font-weight: bold\">Client Support and Engagement:</span><span style=\"font-size: 10pt\"> Educating clients on repayment obligations, warranties, and consequences of non-payment while ensuring customer satisfaction.</span><br></span></li>\n<li><span style=\"color: rgb(0, 0, 0)\"><span style=\"font-size: 10pt; font-weight: bold\">Loan Collection:</span><span style=\"font-size: 10pt\"> Ensuring full installment is paid on due date, activating all dormant accounts in the portfolio, ensuring all regular payers do not miss payments, visiting all customers in arrears and demanding payments, and regularly calling all customers and making arrangements for payment plans.</span></span></li>\n<li><span style=\"color: rgb(0, 0, 0)\"><span style=\"font-size: 10pt\"><span style=\"font-weight: bold\">Collaboration: </span>Working closely with commercial, technical, and cross-functional teams to provide tailored credit solutions and ensure compliance with credit policies and loan documentation.</span></span><span style=\"color: rgb(0, 0, 0)\"><br></span></li>\n</ul>\n<p><span style=\"color: rgb(0, 0, 0)\"><br></span></p>\n<p><span style=\"color: rgb(0, 178, 169); font-size: 12pt; font-weight: bold\">More about YOU:</span></p>\n<ul>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 10pt\">You possess a Bachelor’s degree in Finance, Accounting, Economics, or a related field.</span></li>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 10pt\">You have at least 4 years of experience in last-mile lending, preferably in microfinance or the SACCO sector.</span></li>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 10pt\">You have strong analytical and financial modelling skills, with solid knowledge of credit risk assessment and financial products.</span></li>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 10pt\">You have excellent written and verbal communication skills.</span></li>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 10pt\">You are proficient in credit analysis tools, financial software, and MS Excel.</span></li>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 10pt\">You have strong attention to detail and a good understanding of financial statements and accounting principles.</span></li>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 10pt\">You have Knowledge of industry regulations and compliance standards.</span></li>\n</ul>\n<p><br></p>\n<p><span style=\"color: rgb(0, 178, 169); font-size: 12pt; font-weight: bold\">Other important details:</span></p>\n<ul>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 10pt\">This is a full-time position based in Nairobi.</span></li>\n<li><span style=\"color: rgb(0, 0, 0); font-size: 10pt\">The starting date is as soon as possible.</span></li>\n</ul>\n<p><br></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\"><span style=\"color: rgb(0, 178, 169)\">What we offer:</span><span style=\"color: rgb(99, 190, 189)\"> </span></span></p>\n<p><span style=\"color: rgb(10, 32, 63); font-size: 10pt; font-weight: bold\">✨ </span><span style=\"color: rgb(10, 32, 47); font-size: 10pt; font-weight: bold\">Passion and Purpose:</span><br><span style=\"font-size: 10pt\">Join a dynamic social impact company, certified B Corp, and immerse yourself in an environment where passion, a strong mission, and collaborative spirit converge. </span></p>\n<p><span style=\"color: rgb(10, 32, 63); font-size: 10pt; font-weight: bold\">🌍</span><span style=\"color: rgb(10, 32, 47); font-size: 10pt; font-weight: bold\"> Global Team, Local Impact:</span><span style=\"font-size: 10pt\"> Be part of our incredible international team comprising over 300 colleagues across 3 continents. Experience the power of working together toward a common goal that transcends borders. </span></p>\n<p><br></p>\n<p><span style=\"color: rgb(10, 32, 63); font-size: 10pt; font-weight: bold\">🍃</span><span style=\"color: rgb(10, 32, 47); font-size: 10pt; font-weight: bold\">Balance matters:</span><span style=\"color: rgb(10, 32, 63); font-size: 10pt\"> </span><span style=\"font-size: 10pt\">We understand that your best work comes from a rested and healthy state. Embrace our commitment to work-life balance with a flexible and accommodating work environment designed to suit your needs.</span></p>\n<p><br></p>\n<p><span style=\"color: rgb(10, 32, 63); font-size: 10pt; font-weight: bold\">👐 </span><span style=\"color: rgb(10, 32, 47); font-size: 10pt; font-weight: bold\">Embrace diversity:</span><span style=\"font-size: 10pt\"> Join a vibrant workplace with colleagues representing more than 15 nationalities. At Sistema.bio, inclusivity and diversity are not just values; they are the essence of our culture.</span></p>\n<p><br></p>\n<p><span style=\"color: rgb(10, 32, 63); font-size: 10pt; font-weight: bold\">🌱 </span><span style=\"color: rgb(10, 32, 47); font-size: 10pt; font-weight: bold\">Grow with us:</span><span style=\"font-size: 10pt\"> We foster an autonomous work environment that empowers you to contribute, develop, and take ownership of your projects and work. Join our team of doers in a fast-paced environment where there are plenty of opportunities to grow and learn. </span></p>\n<p><br></p>\n<p><span style=\"color: rgb(10, 32, 63); font-size: 10pt; font-weight: bold\">🐄 </span><span style=\"color: rgb(10, 32, 47); font-size: 10pt; font-weight: bold\">Farmers are at the heart of what we do:</span><span style=\"font-size: 10pt\"> Our mission, strategies, and day-to-day operations revolve around supporting farmers. We are committed to creating a positive impact on their lives, ensuring our work is always aligned with their needs and challenges.</span></p>\n<p><br></p>\n<p><span style=\"color: rgb(10, 32, 63); font-size: 10pt; font-weight: bold\">Our values are FIRE 🔥</span></p>\n<p><span style=\"color: rgb(10, 32, 63); font-size: 10pt; font-weight: bold\">Farmer-Centric: </span><span style=\"color: rgb(10, 32, 63); font-size: 10pt\">We are inspired by the passion and hard work of farmers in all we do</span></p>\n<p><span style=\"color: rgb(10, 32, 63); font-size: 10pt; font-weight: bold\">Impact-driven: </span><span style=\"color: rgb(10, 32, 63); font-size: 10pt\">We are focused on cultivating positive change on Earth</span></p>\n<p><span style=\"color: rgb(10, 32, 63); font-size: 10pt; font-weight: bold\">Resourceful: </span><span style=\"color: rgb(10, 32, 63); font-size: 10pt\">We are proactive and efficient, weeding out challenges as they pop up</span></p>\n<p><span style=\"color: rgb(10, 32, 63); font-size: 10pt; font-weight: bold\">Ethical: </span><span style=\"color: rgb(10, 32, 63); font-size: 10pt\">Trust, transparency, reliability, and respect to cultivate healthy relationships</span></p>\n<p><br></p>\n<p><span style=\"color: rgb(10, 32, 63); font-size: 12pt; font-weight: bold\">Your journey with us is not just a job; it's a chance to make a lasting impact.</span></p>\n<p><span style=\"font-size: 10pt; font-style: italic\">Sistema.bio is an equal opportunity employer. We welcome and encourage diversity in the workplace regardless of gender, race or color, ethnicity or national origin, age, disability, religion, sexual orientation, gender identity or expression.</span><span style=\"color: rgb(0, 178, 169); font-size: 10pt\"> </span></p>\n<p><br></p>\n<p><br></p>",
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