Summary: Head of Service – Joseph Roberts Capital

Job Details

  • Deadline: Friday, 16 October 2026
  • Company: Vacancy Mail Zimbabwe
  • Location: Harare, Zimbabwe (with oversight across the country)

Job Description

Job Description

VACANCY

Head of Service – Joseph Roberts Capital

Unit: Joseph Roberts Capital - Micro-Finance

Location: Harare, Zimbabwe (with oversight across the country)

Website: www.josephrobertscapital.com

Reporting To: Managing Director / Executive Board

  • ABOUT JOSEPH ROBERTS CAPITAL

Joseph Roberts Capital is a progressive micro-finance institution registered and operating under license from the

Reserve Bank of Zimbabwe. We deliver tailored, agile credit solutions designed to empower SMEs, commercial value

chains, asset financing, and underserved enterprise sectors. We combine disciplined risk management with high

touch, rapid client delivery.

  • POSITION SUMMARY

We are seeking an exceptional, commercially astute, and rigorously disciplined Head of Service to direct end-to-end

credit and customer operations. Reporting to the Managing Director, the Head of Service serves as the operational

engine room of the lending institution—driving loan turnaround efficiency, maintaining credit underwriting

standards, supervising branch and field loan officers, safeguarding portfolio health (PAR/NPL metrics), and

delivering an unparalleled customer lifecycle experience.

Core Strategic Mandate

Drive operational excellence across loan origination, underwriting, and collections while scaling our active borrower

portfolio, maintaining strict compliance with statutory frameworks, and establishing best-in-class customer

turnaround SLAs.

Duties and Responsibilities

  • KEY ROLES & STRATEGIC DELIVERABLES
  • Lead the operational credit engine from customer onboarding, KYC/AML appraisal, and credit committee

submissions to documentation, disbursement, and loan closure.

  • Enforce credit policy and proactively monitor repayment schedules. Drive an agile early-alert system and

collections protocol to maintain Portfolio at Risk (PAR) and Non-Performing Loans (NPL) well below industry

benchmarks.

  • Audit, refine, and enforce Standard Operating Procedures (SOPs) that compress application-to-disbursement

turnaround times while upholding underwriting rigor.

  • Direct, mentor, and performance-manage credit officers, field agents, and customer service staff. Establish daily

and weekly performance scorecards covering loan origination, audit accuracy, and recovery targets.

  • Oversee client touchpoints across all channels, resolving customer escalations, conducting client feedback

loops, and maximizing retention through exceptional service delivery.

  • Ensure full institutional compliance with Reserve Bank of Zimbabwe (RBZ) microfinance regulations, statutory

filings, AML/CFT frameworks, and internal audit controls.

  • Deliver daily, weekly, and monthly operational dashboards detailing loan pipeline velocity, active loan book

status, collection efficiency, customer acquisition costs, and team productivity.

Qualifications and Experience

  • CANDIDATE PROFILE & QUALIFICATIONS
  • Bachelor's Degree in Banking, Finance, Business Administration, Economics, or related commercial field.

Professional qualifications (e.g., IOBZ, ACCA, or Credit Management Diploma) are strongly preferred.

  • Minimum 4–6 years of progressive experience in micro-finance, retail lending, or SME credit operations, with at

least 2 years in a managerial or senior supervisory role (e.g., Credit Operations Manager, Branch Manager, Head

of Operations).

  • Deep mastery of micro-lending dynamics, cash-flow underwriting, collateral assessment, debt recovery

strategies, and credit scoring mechanisms.

  • Demonstrated capability in managing high-volume transactional pipelines, enforcing accountability, and leading

frontline lending teams.

  • Proficient in Core Banking Systems (CBS), digital lending workflows, and advanced data reporting using MS

Excel/Google Sheets.

  • High commercial acumen, impeccable integrity, decisive leadership, robust negotiation skills, and a process

oriented mindset.

How to Apply

. COMPENSATION & APPLICATION PROCESS

A competitive executive remuneration package with performance-linked incentives and group benefits will be

offered to the successful candidate, commensurate with seniority and experience.

Submission Guidelines

Interested candidates meeting the criteria should forward their comprehensive CV and a brief cover letter outlining their

key operational achievements to

Email: info@josephrobertsgroup.com

Subject Line: Application: Head of Service – Joseph Roberts Capital

Application Deadline: Friday, 16 October 2026

Website: www.josephrobertscapital.

How to Apply

Apply by email: info@josephrobertsgroup.com

Application link: Apply for this job