DEFINITION AND PURPOSE OF POSITION
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The position of Chief Credit Operations exists for the purpose of managing AL-IKHWAN GROUP ’s credit operations, within the policy guidelines laid down by the Board of Governors and/or instructions given by the Chief Executive Officer. The incumbent is responsible for short-term as well as long-term planning of the services to be offered by the organization within the defined policies.
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The functions covering credit operations, business development, revenue and disbursement targets as well as their periodical monitoring are the responsibility of the position holder.

NATURE AND SCOPE OF THE POSITION Reports to Chief Executive Officer

Supervises

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Manager Micro Credit Operations
Manager Enterprise Development
District Managers

DUTIES AND RESPONSIBILITIES

 Plan, control and direct all activities of AL-IKHWAN GROUP relating to microfinance and enterprise development.
 Develop objectives and programmes in the area assigned to him/her which are consistent with organization objectives and programmes, and present these to Chief Executive Officer for approval.
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 Assist Chief Executive Officer to formulate strategies for raising funds from donors as well as for expansions of the workings of AL-IKHWAN GROUP .
 Coordinate activities of the departments of the organization functioning under him/her.
 Organize and supervise specific operating plans and schedules for accomplishing approved objectives and tasks.

 Interpret plans, policies and procedures to his/her subordinates for accomplishing their assigned work.
 Organize and supervise long range as well as short term plans to facilitate corporate culture in the organization.
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 Carry out duties and responsibilities assigned to him/her from time to time by the Board and the Chief Executive Officer.
 Participate in all meetings of the Management Committee and Credit Committee involving consideration of policy/procedures formulation matters and other allied matters relating to the overall operations of the organization.
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 Monitor overall performance of the departments working under him/her, issuing guidelines on the matters of administration and functional relationships amongst departments and on the interpretation of policies.

 Plan, organize and keep abreast of new developments in the area of corporate/strategic planning and recommend to the Chief Executive Officer for the adoption of those which will uplift the image of the organization.
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 Issue instructions for smooth, effective and efficient working of the departments and take corrective action as necessary to ensure that approved plans and goals are met and that policies established by the AL-IKHWAN GROUP are followed.
 Develop an effective team of competent subordinates who understand, and are able to discharge the obligations of their positions/jobs.
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 Develop, direct and control training for subordinates in the proper performance of their duties, ensure that qualified and trained personnel are available for the position.
 Interpret annual business plans to his/her sub ordinates and assign them the responsibility for amplifying plans that are related to their own area of responsibility.
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 Regularly review performance in his/her area of responsibility against predetermined budgets and control standards.
 Be conscious of his/her obligations to contribute towards improved efficiency and cost effectiveness in all activities under his/her jurisdiction.
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 Report regularly to Chief Executive Officer with regard to progress in achieving planned objectives.
 Keep informed on any matter for which Chief Executive Officer may be held accountable; any point of disagreement likely to cause controversy between departments; any matter that requires approval by the Chief Executive Officer or co ordination on his/her part; and any matter that involves recommendations for change in established policies or procedures.
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 Attend departmental meetings with the Chief Executive Officer to discuss matters relating to the Departments.
 Conduct jobs enrichment and on-the-job training for the personnel of the Departments.
 Perform any other function/task as and when assigned by the Chief Executive Officer.
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PERSON SPECIFICATIONS

Qualification

 Post Graduate qualification

Experience
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 At least 8 years experience in the related field. Should have extensive experience of managing and administering such department efficiently

Decision Making Skills

 Complex decision making within time frame involving known and uncertain variables.
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Policy Formulation Skills

 Significant contributions in policy formulation having a long term impact on departments as a whole as well as relationship with external sources.

Interpersonal and Communication Skills

 Interaction ability within organization as well as with external sources

Third Dimension

 High level of analytical abilities and personality characteristics
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Pay Band 2