JOB DESCRIPTION:
Duty stations for this position include Sweden and Aura Dunkwa.
• Organize and lead bi-weekly meetings with AIM savings groups.
Gather savings deposits from participants enrolled in the AIM program.
Ensure accurate documentation of all savings transactions within passbooks as well as digital platforms and the Digital Financial Application (DFA).
Ensure meticulous documentation of members’ savings transactions, attendance logs, and participation records.
Deposits comprising collected savings shall be submitted to the branch office in strict accordance with established organizational protocols and procedures.
Ensure the secure handling and transportation of cash in strict adherence to established organizational protocols and procedures.
Foster meaningful connections with AIM participants while promoting consistent savings practices.
Coordinate with the AIM PA team to manage meeting schedules, ensure participant attendance, and provide updates as necessary.
Support seamless transition and administration of AIM groups in savings operations.
• Provide the Branch Manager with frequent progress reports on savings performance and participant engagement.
Convene two to three group sessions daily to facilitate collaboration and ensure continuous progress.
The meeting schedule is set as follows: the first meeting at 8:30 AM, the second at 9:30 AM, and the third at 10:30 AM. These times may be adjusted to align with office hours.
Arrive at the designated meeting location fifteen minutes prior to the scheduled group meeting.
Provide assistance with the delivery of Financial Literacy Training sessions as needed.
Educate participants regarding the importance of savings discipline while ensuring they understand future access to Microfinance services.
Prepare eligible participants to transition smoothly into Microfinance groups upon completing the 18-month savings cycle.
Assist in evaluating and facilitating the admission of individuals who meet the criteria for loan eligibility.
Compile comprehensive daily, weekly, and monthly reports covering key performance indicators, operational metrics, and financial data to provide stakeholders with actionable insights. Ensure accuracy, timeliness, and adherence to reporting standards while summarizing trends, variances, and performance against established benchmarks. Collaborate with cross-functional teams to gather necessary data, validate information, and refine reporting formats to enhance clarity and relevance for decision-making purposes.
Responsible for gathering and managing customer deposits into savings accounts, ensuring accurate recording and processing of all transactions. Maintains adherence to financial regulations and internal policies while providing exceptional service to clients. Monitors account activity to identify discrepancies or irregularities, promptly resolving any issues. Collaborates with banking teams to optimize savings collection strategies and enhance customer satisfaction. Requires a high school diploma or equivalent, along with strong attention to detail and proficiency in basic accounting principles. Prior experience in banking or financial services is preferred but not mandatory.
Ensures consistent presence and punctuality, maintaining reliable attendance to fulfill job responsibilities and support team objectives.
• Delivers outstanding group performance through consistent execution of duties with precision and efficiency.
Responsible for evaluating and enhancing an organization’s preparedness to adapt to changing circumstances, ensuring smooth operational shifts. Assesses current processes, identifies potential vulnerabilities, and implements strategies to mitigate risks associated with transitions. Collaborates with cross-functional teams to align resources, streamline workflows, and foster a culture of agility. Monitors progress through key performance indicators and adjusts plans as needed to maintain resilience during periods of change. Requires strong analytical skills, stakeholder management, and a proactive approach to problem-solving.
• Participate in staff meetings to provide updates from the field.
Report any operational or safeguarding concerns to management without delay.
Facilitate thorough review and deliberation of members’ loan proposals during group meetings to ensure comprehensive evaluation and informed decision-making.
The loan proposal is approved following a collective decision-making process in which members of the group cast their votes verbally in person.
The credit officer is responsible for inputting all loan-related information—including loan applications and guarantor details from DP Notes—into the digital system.
Following a thorough review of the loan application to ensure accuracy and compliance, the selected candidate will determine and set the disbursement date, subsequently communicating this decision promptly to the member.
• You must be physically present on 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 the full recovery of all loan installments.
Collected funds are submitted to the Branch Accountant, with the corresponding amount accurately recorded in the Daily Collection Report (DCR), and the transaction is finalized with a signature in the DCR.
If a borrower fails to make an installment during the morning group meeting, promptly arrange for a follow-up visit to their residence or that of their small group leader in the afternoon to collect the payment.
Collect late and NSBL installments in the afternoon, alongside current overdue collections, to ensure timely follow-up and adherence to payment schedules.
• Should former clients whose loans have been written off express interest in rejoining BRAD, they will be approached to initiate the recovery process.
Foster professional and respectful interactions with every participant involved.
Listen attentively to participants’ feedback, including their complaints, concerns, and suggestions, and respond with suitable measures to address them effectively.
Adhere to all HR policies and procedures established by BRAD, ensuring full compliance and alignment with organizational standards.
Strictly comply with the organization’s established Code of Conduct and safeguarding policies at all times.
• Carry out any supplementary duties delegated by senior leadership as required.
• Foster and uphold a robust safeguarding culture across all AIM groups.
To safeguard participants, we implement measures to prevent abuse, exploitation, harassment, and discrimination, ensuring their safety and well-being at all times.
Report all safeguarding incidents in compliance with established organizational protocols and procedures.
Foster a secure and welcoming environment that encourages active engagement from adolescent girls and young women.
Strongly proficient in written and verbal communication, with exceptional attention to detail and the ability to convey complex information clearly and concisely to both technical and non-technical audiences. Demonstrated expertise in [specific technologies, tools, or methodologies relevant to the role], combined with a collaborative mindset and a commitment to continuous learning. Experience in [relevant industry or function], ensuring adaptability to dynamic work environments and the capacity to meet strict deadlines. Proven problem-solving capabilities, analytical thinking, and the capacity to develop innovative solutions while maintaining high-quality standards. Demonstrated proficiency in [specific software, platforms, or programming languages required], along with a solid grasp of industry best practices and compliance requirements. Strong organizational skills, time management abilities, and the drive to take ownership of projects from inception to completion.
A Senior High School (SHS) certificate, such as the West African Senior School Certificate Examination (WASSCE), is required.
A minimum of one year of professional experience within a financial institution or a comparable industry is required.
Responsibilities include preparing cash and bank transactions, drafting cash requisitions and certificates, and conducting bank reconciliation statements to ensure accurate financial records.
Proficient in utilizing Microsoft Word and Microsoft Excel applications.
• Proficient in utilizing Microsoft Word and Microsoft Excel for document creation, data management, and spreadsheet analysis.
• Demonstrates strong proficiency in conveying ideas clearly and articulately, both verbally and in writing, ensuring alignment and understanding among team members and stakeholders.
Proficient in English writing and reporting with strong command of the language.
We welcome qualified candidates to submit their applications through the designated portal. Please ensure all required documents are uploaded in the specified format to complete the submission process. Should you encounter any difficulties, our support team is available to assist you during standard business hours.
Candidates interested in the position should submit their application materials through the designated portal. Ensure all required documentation, including a resume, cover letter, and relevant certifications, is included. Applications will be reviewed on a rolling basis, so early submission is encouraged. Only shortlisted applicants will be contacted for further consideration.
Interested candidates meeting the required qualifications are encouraged to submit their cover letters and CVs via email to [email protected] by the deadline of 8th June 2026.
Position Title and Preferred Work Location Should Be Specified in the Email Subject Line.
Females are strongly encouraged to submit their applications.
Qualifications
WASSCE
Experience Required
1 year
