Credit Assistant – 1 Position

Credit Assistant – Recovery

Sheria Sacco Society Limited wishes to recruit a competent individual with knowledge and experience in Sharia-compliant financial products and services to fill the position of Credit Assistant – Recovery. This position will be based in Nairobi, Head Office.

Term of Service: Permanent and Pensionable, starting at Job Group SG7 of the Sheria Sacco Grades.

Reporting Structure: Reports to General Manager, Credit Department.

Position Purpose

Contact members with non-performing loan accounts (Substandard, Doubtful and Loss) and inform them of their debt and the various options available for repayment.

Main Duties & Responsibilities

  • Locate and contact clients primarily through phone, email and mobile communication regarding overdue debts.
  • Negotiate payment plans and schedules that suit members’ financial situations while ensuring recovery of the debt.
  • Advise members on available payment options and possible recovery actions where no agreement is reached.
  • Maintain and update delinquent member files, including dates, times and details of communication.
  • Prepare and issue recovery notices and correspondence to members with overdue debts.
  • Contact guarantors of defaulting members and advise them on their obligations and available options.
  • Write to employers, debt collectors and lawyers where members fail to honor payment obligations.
  • Liaise with the Loan Recoveries and Monitoring Officer in preparing statements for lawyers, auctioneers, credit reference bureaus and debt collectors.
  • Perform any other duties assigned from time to time.

Competences, Skills and Academic Qualifications

Skills and Competencies

  • Demonstrable knowledge of Islamic finance principles and Sharia-compliant financial products.
  • Understanding of Sharia-compliant financing contracts including Murabaha, Ijarah, Musharakah, Mudarabah, Salam, Istisna and Qard Hasan.
  • Knowledge of Sharia governance, ethical financing principles and regulatory compliance.
  • Strong analytical, communication, negotiation and member relationship management skills.
  • Excellent written and verbal communication skills.
  • Strong attention to detail and accurate record-keeping.
  • Data entry proficiency and ability to work with digital systems.
  • Good computer skills and familiarity with multiple software applications.
  • Basic mathematics and financial calculation skills.

Minimum Qualifications and Experience

  • At least a Diploma in a relevant business-related field with mandatory knowledge of Islamic Finance and Sharia-compliant financial products and services.
  • Practical working experience in a SACCO, bank or Islamic financial institution involving Sharia-compliant financing, credit administration, recoveries or member advisory services will be an added advantage.
  • Preference will be given to candidates with formal qualifications or professional certifications in Islamic Finance, Shariah Review & Audit, Islamic Banking or related disciplines.

Application Procedure

Interested and qualified candidates are invited to submit an Application Letter, detailed Curriculum Vitae (CV) and copies of academic documents in one PDF file.

Email: human.resource@sheriasacco.coop

Subject: Credit Assistant – Recovery

Deadline: 14th August 2026 at 5:00 PM

Sheria DT Sacco is an Equal Opportunity Employer. Women, persons with disabilities and other minority groups are encouraged to apply.

Only qualified and successful candidates shall be contacted for interviews.