Country Manager Consumer Lending

This position requires in depth knowledge of payroll deduction consumer lending. Only candidates with a minimum of 7 years non-banking financial services will be considered. Additionally, candidates need to have 4+ years senior management experience. A masters or postgraduate degree from an accredited university will increase the chances of a successful application.


The successful candidate will oversee the consumer lending business for Malawi and will be required to interact with executives and board members for First Capital Bank Malawi.


Ideally a Malawian citizen or a permanent resident in Malawi or overseas wanting to return to Malawi. Expatriates will also be considered for the position.


Candidates without the right experience will not be considered.


·        Reporting to the Country CEO and Group Head of Consumer Lending

·        Management of whole operation – Operations, Sales, Analytics, Credit and Systems

·        Business Profitability – Interest Income revenue – Loan Book Performance – Provisions – Asset Volume

·        Manage entire business vertical to ensure optimum growth and profitability

·        Cost Control across the business unit on sales and operational sides

·        Set overall strategy for Consumer Lending

·        Work closely with Country CEO, Head of Retail and Group Head of Consumer Lending

·        Analyse provided by analysts to take decisions to maximise long term profitability

·        Plan future growth of the business

·        Provide feedback regarding the consumer lending market micro and macro development

·        Work with teams to manage departmental audits and audit items. Ensure that all audits are adequately responded to and managed to achieve adequate results.

·        Report to Board Credit Committee about the state of the Business Vertical

·        Report to the Board Risk Committee regarding risks and risk management of Business Vertical

·        Report to Country Board of Directors regarding results, development and growth of the Business Vertical in Malawi

·        Budgeting and forecasting for the Consumer Lending Business

·        Providing accurate and regular reports to Group Head and Malawi CEO regarding the performance of the Consumer Lending Business Vertical


Managing Development/Improvements and Implementation of systems to ensure successful growth of the Consumer Lending Business Vertical in Malawi.

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