We are seeking a highly motivated and skilled professional to join our team in the capacity of [Job Title]. The successful candidate will be responsible for [specific responsibility 1], [specific responsibility 2], and [specific responsibility 3]. Additionally, the ideal candidate will possess a minimum of [X] years of experience in [relevant field/industry], along with proficiency in [specific skill or tool]. A strong background in [related skill or area] is highly desirable, as is the ability to [key competency]. The role requires exceptional organizational skills, the capacity to manage multiple priorities, and a commitment to delivering high-quality results. Collaboration with cross-functional teams, effective communication, and problem-solving abilities are essential to thrive in this position.
Duty stations for this position include Kong and Exist.
Convene 15 to 20 comprehensive household surveys daily, ensuring thorough data collection and adherence to established protocols throughout each interaction.
Prospective clients are pinpointed through the analysis of survey data, ensuring targeted outreach and engagement strategies.
The working area must be clearly delineated for each proposed group to ensure proper organization and efficiency.
Facilitate targeted discussions with identified participants in small group settings to gather insights and address specific needs.
A team of five members will be assembled to collaborate on tasks and projects, fostering a collaborative environment.
A designated group leader will be chosen for every small group to facilitate effective coordination and leadership.
A dedicated leadership team will be established to oversee and manage the group’s operations, ensuring alignment with strategic objectives and fostering collaborative decision-making among members.
• Conduct a comprehensive two-week orientation program tailored for participants in large group settings.
• As outlined in the BRAD Ghana circular, the responsibility includes collecting membership admission fees from members.
Enter group members’ admission information into the mobile phone or tablet and synchronize the data whenever connectivity allows.
Schedule meetings by coordinating dates, times, and locations, ensuring all participants receive timely invitations and updates.
To establish a group with a minimum of 15 members for Microfinance (MF) initiatives and 10 members for Agra-Finance projects, while ensuring the group size does not exceed 30 members for MF and 20 members for Agra-Finance.
Upon identifying a decline in group size due to attrition or other factors, facilitate the onboarding of new members to restore and maintain optimal participation levels.
Convene two to three group sessions daily to facilitate collaborative discussions and decision-making processes.
Meetings are scheduled for 8:30 AM, 9:30 AM, and 10:30 AM, though these times may be adjusted to accommodate office hours.
• Be present at meeting place 15 minutes before the group meeting begins
Arrange group members in a U-shaped formation, ensuring alignment by small-group clusters.
Accurately record and monitor student attendance in the official register, ensuring all entries are complete, legible, and submitted punctually.
We address inquiries regarding loan-related matters and provide support for various other financial concerns.
Collect weekly installment deposits from designated small group leaders by coordinating with the respective small group cashiers, ensuring each transaction is documented with signatures captured via mobile device.
Following the conclusion of the group meetings at 1:30 PM, you are expected to return to the office.
Cash received from group meetings held in proximity to a branch must be deposited at that branch before moving on to the next meeting to mitigate robbery risks.
• Staff should follow safety and security guidelines while transporting money
Review all loan proposals submitted by members to ensure they are thoroughly examined during the scheduled group meetings.
Review and evaluate loan proposals presented to the group, ensuring thorough discussion and consensus-building among members before rendering a final decision through verbal voting.
The credit officer is responsible for accurately entering all loan-related information into the digital system, including loan applications and guarantor details sourced from DP Notes.
After confirming the validity of loan applications, establish and communicate the disbursement date to the relevant members promptly.
You must attend the disbursement event in person on the scheduled day to actively engage in the distribution process.
The Credit Officer is required to participate consistently in weekly, bi-weekly, or monthly group meetings while maintaining the critical responsibility of achieving full repayment of all loan installments.
Cash deposits must be promptly turned over to the Branch Accountant and accurately recorded in the Daily Cash Report (DCR) with the responsible individual’s signature confirming the transaction.
If a borrower misses an installment during the morning group meeting, arrange for a follow-up visit to their residence or the home of the small group leader in the afternoon to collect the payment.
In the afternoon, proceed with collecting any overdue payments, including late installments and NBL (Non-Installment Based Loan) amounts, as well as current outstanding balances.
To facilitate the reinstatement of loans for clients previously written off, should they seek to re-establish themselves as active customers with BRAD, initiate the necessary recovery process accordingly.
Attend the weekly staff meetings without fail.
Compiles and submits comprehensive reports on a daily, weekly, and monthly basis to ensure accurate documentation and tracking of relevant data.
Adhere to all policies and procedures established by BRAD Human Resources to ensure compliance and alignment with organizational standards.
Demonstrate the ability to promptly and effectively carry out any additional tasks or directives assigned by senior leadership.
Consistently uphold the Microfinance staff Code of Conduct and engage with clients in a professional and respectful manner at all times.
Dedicate yourself to delivering exceptional service quality to clients, both in the field and at the branch, ensuring their needs are met with professionalism and care.
Demonstrate attentive listening to clients’ complaints, concerns, and opinions, ensuring appropriate responses and actions are taken to address their needs effectively.
• Establish a safeguarding culture across all levels of the institution by implementing the safeguarding policy.
Serve as a primary resource for advice, direction, and specialized knowledge regarding safeguarding measures to foster a secure workplace.
The incumbent must guarantee all team members receive proper training, ongoing support, and necessary resources to address identified concerns in alignment with safeguarding policies and procedures.
Adhere to the established safeguarding reporting protocol whenever a reportable incident occurs, and promote awareness among colleagues to ensure compliance with the procedure.
REQUIRED SKILLS:
A high school diploma or its equivalent, such as the WASSCE certificate, is required.
Responsible for managing cash and bank transactions, including the preparation of cash requisitions and cash certificates, as well as conducting regular bank reconciliation statements to ensure financial accuracy and compliance.
Proficient in utilizing Microsoft Word and Microsoft Excel applications.
With a minimum of one year of hands-on experience in microfinance or a financial institution, the ideal candidate will bring practical expertise to the role.
Proficiency in Microsoft Word and Microsoft Excel is essential.
Proven ability to articulate ideas clearly and collaborate efficiently with team members and stakeholders.
Demonstrates proficiency in creating reports and written content using the English language.
To submit your application, kindly follow the instructions outlined below to ensure all required materials are provided in a timely manner. Be sure to include a comprehensive resume detailing your work experience, educational background, and relevant skills. Additionally, a well-crafted cover letter is required to articulate your qualifications and enthusiasm for the position. All application materials should be sent to the designated email address or uploaded through the company’s official application portal by the specified deadline. Should you have any questions regarding the application process, do not hesitate to contact the hiring manager for clarification.
Interested applicants should submit their resume and cover letter detailing relevant qualifications and experience to be considered for this position. Please ensure all application materials are up-to-date and tailored to reflect how your skills align with the role’s requirements. Be sure to include any certifications or credentials that support your candidacy. The hiring team will review submissions and contact shortlisted candidates for further assessment. Applications will be accepted until the closing date specified in the job posting.
Interested and qualified candidates are encouraged to submit their cover letters and CVs via email to [email protected] by the deadline of 8th June 2026.
Please include the position title and preferred location in the subject line of your email.
Women are strongly encouraged to submit their applications for this opportunity.
Qualifications
WASSCE
Experience Required
1 year
