1. Strategic Leadership and Business Growth

•  Lead the implementation of the SACCO's Strategic and annual business plans, ensuring that all activities remain aligned with the goals and targets approved by the Board of Directors.
• Drive growth in membership, savings, shares, revenue and profitability as per the set targets.
• Identify and develop new income-generating opportunities that diversify and strengthen the SACCO's revenue.
• Develop and execute strategies for recruiting direct members and associate members, expanding the SACCO's reach.
• Promote utilization of existing SACCO products and services among members.
• Develop innovative financial products and services that respond directly to members' evolving needs and changing financial circumstances.
• Build and maintain strategic partnerships with institutions and organizations that create tangible value for the SACCO and its members.
• Promote the SACCO's brand and increase its visibility and reputation.

2. Financial Management

• Lead the preparation, approval and implementation of annual budgets, ensuring resources are allocated in line with strategic priorities.
• Continuously monitor the SACCO's financial performance and advise on corrective action based on actual performance.
• Improve liquidity through effective financial planning, cash flow management and comprehensive investment strategies.
• Ensure the prudent utilization and safeguarding of SACCO resources while protecting members' savings and institutional assets at all times.
• Drive consistent growth in member savings and share capital through targeted efforts and member engagement.
• Monitor operating expenses closely and identify opportunities to improve overall operational efficiency.
• Provide the Board with accurate, timely reports and financial performance analysis to support decision-making.
• Ensure timely and accurate statutory and regulatory financial reporting in compliance with all applicable requirements.

3. Credit Portfolio and Risk Management

• Maintain a healthy loan portfolio through effective credit management practices across all lending activities.
• Monitor and maintain Portfolio at Risk (PAR) as per the set target and implement proactive strategies to minimize loan delinquency and default.
• Strengthen loan recovery mechanisms to ensure timely collection and protect the SACCO's financial position.
• Ensure strict compliance with approved lending policies and procedures throughout the credit appraisal and disbursement process.
• Regularly monitor portfolio quality and recommend timely corrective actions where emerging risks are identified.
• Strengthen enterprise-wide risk management systems to anticipate, assess and mitigate risks across the organization.
• Promote complete internal controls and fraud prevention measures to safeguard the SACCO's assets and reputation.

4. Governance and Board Support

• Work closely with the Board of Directors and its Committees to translate governance decisions into effective operational action.
• Coordinate the timely implementation of Board resolutions and provide regular updates on progress.
• Provide the Board with timely reports and strategic advice to guide its decision-making.
• Support ongoing policy review and broader institutional development initiatives that strengthen the SACCO.
• Maintain high standards of corporate governance, accountability and transparency in all dealings with members and stakeholders.
• Coordinate the Annual General Meeting and other key governance activities, ensuring they are well organized and compliant with regulatory requirements.

5. Membership Growth and Member Experience

• Develop and implement strategies that steadily increase the number of active and engaged members of the SACCO.
• Continuously improve member satisfaction and service quality across the member journey.
• Drive financial literacy programmes that build members' knowledge and confidence in managing their finances.
• Promote member education on savings, investment options and responsible borrowing practices.
• Strengthen member engagement and retention through consistent interaction and communication.
• Handle complex member concerns and complaints professionally and in a manner that preserves trust and goodwill.
• Promote a member-centred service culture across the organization, ensuring every staff member prioritizes member needs.

6. Digital Transformation

• Lead the implementation of digital financial services and self-service digital platforms that expand access and convenience for members.
• Identify opportunities for automating manual SACCO processes and systems to improve efficiency.
• Support the adoption of data-driven decision-making across all levels of the organization.
• Drive continuous improvement in the digital member experience while keeping pace with evolving member expectations.

7. People Leadership

• Provide effective leadership to all SACCO staff while setting clear expectations and direction.
• Build and sustain a high-performance culture that motivates staff to consistently deliver.
• Coach, mentor and develop employees, helping them grow their skills.
• Implement robust performance management systems that assess and reward staff contributions.
• Promote teamwork, accountability and collaboration across all functions of the SACCO.
• Identify staff capacity building needs and ensure appropriate training and development opportunities are provided.
• Drive employee engagement and cultivate an inclusive organizational culture.

8. Stakeholder and Partnership Management

• Build and maintain productive relationships with regulators, financial institutions, partners and service providers that support the SACCO's objectives.
• Represent the SACCO professionally and effectively in external engagements, meetings and forums.
• Develop partnerships that create new opportunities for business growth and member value.

9. Compliance and Operational Excellence

• Ensure ongoing compliance with all applicable laws, regulations and internal SACCO policies.
• Coordinate internal and external audits, ensuring they are conducted in a timely and cooperative manner.
• Ensure prompt and thorough implementation of audit recommendations to close identified gaps.
• Continuously monitor operational risks and put in place measures to address them before they escalate.
• Ensure business continuity by maintaining robust plans and systems that protect the SACCO against disruption.
• Promote a culture of continuous improvement across all SACCO operations.