Détail du poste

About the Organization :
ACCION International is a private, nonprofit organization with the mission of giving people the financial tools they need – microenterprise loans, business training and other financial services – to work their way out of poverty. A world pioneer in microfinance, ACCION was founded in 1961 and issued its first microloan in 1973 in Brazil. ACCION International’s partner microfinance institutions today are providing loans as low as $100 to poor men and women entrepreneurs in 25 countries in Latin America, the Caribbean, Asia and sub-Saharan Africa, and in the United States.

About the Job :
Working under a contract with ACCION International and as part of an international technical assistance team, the incumbent will hold the Chief Commercial Officer position, with direct line authority and responsibility for implementing the commercial strategy for credit operations and other financial services offered. S/he is responsible for the overall management of the Commercial Department, its internal controls and strategic planning. Since this is a “start-up” financial institution, the Chief Commercial Officer needs to be a dynamic self-starter capable of energizing his or her staff.

• Management of Commercial Department :
  • Oversee the department’s managers and guide them in the management of their respective units;
  • Maintain a high standard of discipline within the department and ensure that all managers are performing to expectation;
  • In conjunction with the CEO and other relevant departments and divisions, recruit, hire, train, support and motivate department staff;
  • Provide timely and accurate information and reports on a regular basis to senior management.
• Credit control and administration :
  • Organize and act as chair of the Credit Committees at the credit levels as outlined in the procedures manual;
  • Manage the application of policies, norms and procedures at the branch level and supervise that the entire loan process is working according to procedures;
  • Set performance contracts and monitor performance per procedures for the department’s managers;
  • Implement the performance management system for the department’s managers.
• Portfolio Quality Management :
  • Monitor quality of loan portfolio, perform analysis to determine what factors are affecting the delinquency rates at the level of the branches, zones and sectors, and develop loan recovery strategies;
  • Work together with the department’s managers in loan recovery activities;
  • Supervise the recovery unit to maximize swift recovery of delinquent loans and direct the coordination of activities between the branches and the recovery unit.
• Department administration :
  • Ensure that the department maintains up-to-date and accurate client records;
  • Organize and maintain neat, up-to-date and accurate files regarding performance of all of the department’s managers.
• Department reporting :
  • Perform analysis on financial indicators and provide reports for the CEO on these indicators including disbursements, client retention, growth of different products, and branch delinquency;
  • Analyze trends in the loan portfolio;
  • Identify reporting needs within the management information system that are lacking.
• Business Development :
  • Develop the marketing and sales strategy in order to increase the number of clients, maximize sales, and keep current clients, especially for loan and deposit products.
• Product and Systems Development :
  • Maintain and update the manuals of policies, procedures and norms;
  • Evaluate the characteristics of the loan product(s) and make necessary modifications (with the joint agreement of the management team);
  • Evaluate the characteristics of the deposit products (if offered) and make necessary modifications (with the joint agreement of the management team);
  • Evaluate the procedures used and make necessary modifications when needed.
• Financial Planning and Management :
  • Develop annual plans and budgets for the Commercial Department, incorporating input from the department management team and branches;
  • Approve expenses within the budget parameters;
  • Fulfill all other functions and duties as required by the CEO.
• General Management :
  • Lead the department;
  • Supervise department staff and ensure that well motivated;
  • Mentor and coach staff;
  • Report any internal control deficiency to senior management and the auditors;
  • Coordinate, with the Human Resources Department, the staffing and training of the department to ensure efficiency and high quality work;
  • Supervise all information system and technology projects for the department;
  • Control the institution’s expenses and investments.

• Minimum of five years of direct experience, preferably in a bank or microfinance institution, in credit operations for micro, small and medium enterprises;
• Track record in senior management position of a financial institution servicing the MSME sector or involvement at a senior level in the provision of advisory services to microfinance institutions;
• Advanced degree in business, accounting, finance or related area of study;
• Experience in commercial strategic planning, budgeting, credit analysis, product and systems development, and risk management;
• Knowledge of bank and/or non-bank financial institution operations;
• Knowledge of Africa and/or ability to work in African setting;
• English and French required. Spanish highly valuable;
• Willingness to live in West Africa for the duration of the contract;
• Ability to operate with a minimum of on-site supervision;
• Ability to travel regularly to areas of operations. International travel approximately 15 percent;
• Strong leadership and people management skills;
• Strong analytic skills. Ability to conduct credit analysis and to think strategically using financial analysis;
• Excellent communication skills. Ability to present financial information effectively to both specialists and non-specialists;
• Understanding of financial and credit analysis software packages;
• Knowledge of micro, small and medium enterprise market segments in West and Central Africa or similar regions;
• Honest, hardworking, friendly, focused;
• High standards in regards to quality of work;
• Able to work independently and as a team member;
• Attention to detail;
• Commitment to the social mission of microfinance.

To Apply :
Interested candidates can apply online at : Accion