JOB DESCRIPTION:
Duty locations include Kong and Exist.
Conduct between 15 and 20 household surveys daily, ensuring thorough data collection and adherence to established protocols.
Conduct an analysis of survey data to pinpoint prospective clients who align with target market criteria.
To establish clear boundaries for designated work zones, ensuring organized and efficient space allocation for proposed teams.
Facilitate targeted discussions with identified members in small-group settings to gather insights and foster engagement.
Responsible for organizing teams of five members each.
A designated group leader will be chosen to oversee each small group, ensuring effective coordination and guidance.
To establish and lead a comprehensive group management committee, assembling key stakeholders and department heads to ensure cohesive decision-making and strategic alignment across the organization. This role involves fostering collaboration, setting clear governance frameworks, and overseeing the implementation of policies and initiatives that drive collective objectives forward. The committee will serve as a central hub for coordinating efforts, resolving interdepartmental challenges, and maintaining accountability to achieve unified progress and operational excellence.
Provide a comprehensive two-week orientation program tailored for participants in large groups.
Ensure members pay their admission fees according to the guidelines outlined in the BRAD Ghana circular.
Enter group members’ admission details into the mobile phone or tablet and synchronize the information whenever feasible.
The individual will be responsible for coordinating meeting schedules, including determining appropriate dates, times, and locations.
Assemble a group comprising no fewer than 15 participants for Microfinance (MF) and 10 for Agra-Finance, while ensuring the team does not exceed 30 members for MF or 20 for Agra-Finance.
Responsibilities include enrolling new participants when a group’s size falls below the required threshold due to attrition or other circumstances.
Facilitate two to three group meetings daily to ensure effective communication and collaboration among team members.
A structured schedule has been established for coordinating meetings, with the first session commencing at 08:30 AM, the second at 09:30 AM, and the third at 10:30 AM. These timings are subject to adjustment in accordance with office hours and operational needs.
Ensure you arrive at the designated meeting location fifteen minutes prior to the scheduled start time of the group meeting.
Arrange group members into a U-shaped seating configuration, ensuring each small group is positioned accordingly.
Maintain accurate attendance records in the designated register, ensuring all entries are up-to-date and reflect the actual presence or absence of individuals, including students, staff, or participants, as required by institutional or organizational policies.
Facilitate conversations regarding loan-related topics and address various inquiries pertaining to lending processes and associated concerns.
Collect weekly deposit installments from designated small group leaders via their respective cashiers, ensuring each transaction is documented with a signature captured on a mobile device.
After concluding the group meetings by 1:30 PM, you are expected to return to the office.
To mitigate the risk of theft, all cash collected from group meetings held in proximity to a branch must be deposited at that branch prior to attending additional group meetings.
Staff members must adhere to established safety and security protocols when handling and transporting funds to ensure the protection of both personnel and assets.
Facilitate thorough review and discussion of members’ loan proposals during scheduled group meetings to ensure comprehensive evaluation and informed decision-making.
Accept loan proposals by conducting formal verbal votes in meetings with all group members present to ensure collective decision-making.
The credit officer is responsible for accurately entering all loan-related information into the digital system, including loan applications and guarantor details extracted from DP Notes.
After confirming the accuracy of loan applications, establish the disbursement date and notify the relevant members of the decision.
You must be physically present on the designated disbursement day to actively engage in the disbursement process.
The credit officer is required to participate in weekly, bi-weekly, or monthly group meetings and must guarantee 100% recovery of all loan installments.
• All cash received must be promptly submitted to the Branch Accountant, who will then record the deposited amount in the Daily Cash Report (DCR), ensuring proper documentation through their signature.
Any missed installments during the morning group meeting should be promptly followed by afternoon visits to the homes of borrowers or small group leaders to facilitate collection.
Collect overdue payments, including late and non-interest-bearing loan (NBL) installments, in the afternoon as part of the daily collection process.
Should a former client of BRAD seek to re-establish their relationship, you will be responsible for initiating the recovery process for any loans that were previously written off.
Attend the mandatory weekly staff meetings without exception.
Compile comprehensive daily, weekly, and monthly reports to provide clear, structured insights and data summaries.
Adhere to all policies and procedures outlined in the BRAD Human Resources guidelines to ensure compliance and alignment with organizational standards.
Demonstrates the ability to promptly and effectively complete any additional tasks assigned by senior leadership.
Consistently comply with the Microfinance staff Code of Conduct and interact with clients in a professional, respectful manner at all times.
Dedicate your efforts to delivering the highest standard of service to clients, whether they interact with you in the field or at the branch.
Demonstrate attentive listening to clients’ grievances, inquiries, and perspectives, then determine and implement suitable solutions.
To cultivate a robust safeguarding culture throughout every tier of the organization, implement the safeguarding policy diligently.
Serve as a primary resource for providing guidance, support, and specialized knowledge in safeguarding to help foster a secure workplace.
To ensure team members receive appropriate training, support, and access to necessary resources, this role involves addressing and resolving issues in compliance with safeguarding policies and procedures.
To ensure compliance with safeguarding protocols, promptly adhere to the established reporting procedure whenever a reportable incident occurs and actively motivate colleagues to do the same.
Proficient in data analysis and financial modeling, with a strong command of Excel and financial software. Excellent communication skills for interacting with stakeholders and presenting complex information clearly. Detail-oriented with the ability to analyze large datasets efficiently. Experience with ERP systems and financial reporting tools is beneficial. Proficiency in SQL for database querying and manipulation is a plus. Knowledge of GAAP and regulatory compliance standards is essential. Ability to work under tight deadlines while maintaining high accuracy.
A secondary school certificate, such as WASSCE, is the minimum educational requirement for this position.
• Prepares and manages cash and bank transactions, including the preparation of cash requisitions and cash certificates.
• Conducts monthly bank reconciliation statements to ensure accuracy and alignment between internal records and bank statements.
Proficient in utilizing Microsoft Word and Microsoft Excel applications.
• Qualifications: A minimum of one year’s professional experience within a microfinance institution or financial services organization.
Proficient in utilizing Microsoft Word and Microsoft Excel is essential.
• Demonstrates strong interpersonal and verbal communication abilities.
Proficient in English writing and reporting with strong communication skills.
Interested candidates should submit their application materials through the designated portal, ensuring all required documents and information are included. The submission process requires a resume, cover letter, and professional references, which must be provided in the specified format. Applicants are encouraged to review the job posting thoroughly to confirm eligibility and alignment with the role’s prerequisites before proceeding with their application.
To submit your application, follow the instructions provided in the job posting or on the organization’s careers page. Ensure all required documents, such as a resume, cover letter, and any supplementary materials, are prepared and formatted correctly. Double-check the submission guidelines for deadlines, preferred file types, and any additional steps, such as completing an online assessment or providing professional references. Submit your application through the specified portal or email address before the closing date to ensure it is considered for review.
All interested and qualified candidates are encouraged to submit their cover letters and CVs to [email protected] by no later than 8 June 2026.
We kindly request that the subject line of your email includes the job title and the preferred work location.
Females are strongly encouraged to submit their applications.
Qualifications
WASSCE
Experience Required
1 year
