Full Time
February 19, 2024
March 15, 2024

Company: United Civil Servants SACCO

Please Share


The United Civil Servants SACCO is member-owned institution dedicated to offering a diverse array of savings and credit products to civil servants, corporate organizations as well as SME’s in Malawi, our mission is to transform the socio-economic lives of all Malawians. With projected business growth for 2024 in alignment with our strategic plan spanning from 2022 to 2026, we are actively seeking individuals passionate about fostering positive change in their community and country. We invite applications from candidates driven to contribute to the socio-economic improvement of their society and nation through the United Civil Servants SACCO.


Post: Small Medium Enterprise Manager (SME MANAGER)

Reporting to: Head of Operations

Employment Type: Fulltime


Duties and Responsibilities

Major Duties, Responsibilities and Accountabilities / Deliverables:

  1. Portfolio Strategy and Planning:
    • Develop and execute a comprehensive portfolio strategy to achieve the targets.
    • Identify and analyse market trends, opportunities, and risks to inform strategic decision-making.
    • Define target customer segments and design tailored financial products and services to address their specific needs.
    • Growing a healthy loan book for the SME portfolio
  2. Savings Growth
  • Development of savings mobilization strategies and implementation plan inorder to achieve the targets
  1. Product Development and Management:
    • Collaborate with product development teams to conceptualize, launch, and refine financial products and services.
    • Monitor the performance of existing products, analyse customer feedback, and drive continuous improvements.
    • Conduct competitive analysis to benchmark our offerings against industry standards.
  1. Risk Management:
    • Implement robust risk assessment methodologies and monitor portfolio performance regularly.
    • Mitigate potential risks and maintain compliance with relevant financial regulations and industry standards.
    • Collaborate with risk and compliance teams to ensure portfolio resilience and adherence to policies.
  1. Market Expansion:
    • Identify new geographic areas and customer segments for potential market expansion.
    • Work with marketing teams to execute market entry strategies and establish partnerships.
  1. Performance Tracking and Reporting:
    • Develop key performance indicators (KPIs) to monitor portfolio performance and track progress towards financial inclusion targets.
    • Generate regular reports for senior management, stakeholders to communicate portfolio performance.
  2. Team Leadership and Collaboration:
    • Lead and mentor the team, providing guidance and fostering a culture of excellence.
    • Collaborate with cross-functional teams, including marketing, operations, and finance, to drive cohesive portfolio strategies.


Desired Qualification

  • Bachelor’s degree in business related field from recognized university plus 2 years’ experience in a financial institution those dealing with SME’s will have an added advantage.
  • Good organizational and time management skills.
  • Excellent customer and interpersonal skills.
  • Ability to work under pressure.
  • High integrity


Method of Application:

Interested candidates meeting the above requirements should send their application letters with a detailed curriculum vitae (CV) with at least three (3) traceable references plus copies of certificates including MSCE not later than 15th March 2024, to:


Only shortlisted applicants will be acknowledged