• Posted: September 3, 2025
• Application Deadline: September 5, 2025
• Location: Nairobi, Kenya

Forty Nine Credit (LLC) is a leading microfinance institution in Nairobi, Kenya, dedicated to empowering individuals and communities through accessible financial solutions. Focused on fostering economic growth, Forty Nine Credit provides innovative loan products tailored to small and medium enterprises (SMEs) and individuals, promoting financial inclusion across Kenya. As of September 3, 2025, Forty Nine Credit is recruiting for four critical roles to drive its mission: Loan Officers, Collection Officer, Branch Manager, and Senior Operations Officer. These Forty Nine Credit Jobs offer professionals the opportunity to contribute to financial empowerment, deliver exceptional customer service, and drive operational excellence in a dynamic, inclusive environment.

Important Note: Forty Nine Credit’s recruitment process is entirely free of charge. Applicants should beware of fraudsters requesting payment for recruitment assistance and report suspicious activity to the authorities. Forty Nine Credit is an equal opportunity employer, welcoming diverse candidates who align with its values of integrity, professionalism, and community impact. Only shortlisted candidates will be contacted by September 5, 2025.

Open Roles at Forty Nine Credit

Forty Nine Credit is recruiting for the following full-time roles in Nairobi, Kenya, as of September 3, 2025:

1. Loan Officers (Code: FNC25015) – Finance / Accounting / Audit
2. Collection Officer (Code: FNC25014) – Finance / Accounting / Audit
3. Branch Manager (Code: FNC25013) – Finance / Accounting / Audit
4. Senior Operations Officer (Code: FNC25012) – Finance / Accounting / Audit

These Forty Nine Credit Jobs are designed for proactive, customer-centric professionals passionate about microfinance, lending, and community empowerment, contributing to Forty Nine Credit’s vision of accessible financial services.

General Application Requirements

• Application Process: Candidates must submit applications via email, including a Cover Letter, updated CV, and supporting documents (e.g., certified academic certificates, Kenya Revenue Authority Tax Compliance Certificate, Certificate of Good Conduct) in PDF format. Applications should be sent to the designated email address provided in the “Method of Application” section below, with the appropriate job code in the subject line (e.g., FNC25015 for Loan Officer). For reference, the address isNairobi, Kenya.
• Location: Nairobi, Kenya (all roles are based in Nairobi, with potential travel for Collection Officer and Branch Manager roles).
• Deadline: Applications must be received by September 5, 2025. Early submission is recommended due to the competitive nature of these Forty Nine Credit Jobs.
• Communication: Only shortlisted candidates will be contacted. Monitor email (including spam/junk folders) for updates from Forty Nine Credit’s HR team.
• Fraud Prevention: Forty Nine Credit does not charge fees for recruitment, including CBTs, tests, or assessments. Verify communications through official channels and report suspicious activity.
• Eligibility: Candidates must have legal authorization to work in Kenya and provide required documentation, such as a Tax Compliance Certificate and Certificate of Good Conduct.
• Qualifications: Vary by role (detailed below), but generally include a Diploma or Bachelor’s degree and relevant experience in microfinance or financial services. Fluency in English is required; knowledge of Swahili is an advantage.
• Canvassing: Canvassing will lead to automatic disqualification, ensuring a fair and transparent process for all applicants seeking Forty Nine Credit Jobs.

Please Note:

• Applications must include a Cover Letter, CV, and supporting documents, clearly specifying the role and code (e.g., “Application: Loan Officer – FNC25015”). Incomplete applications may not be considered.
• Forty Nine Credit encourages applications from diverse candidates, reflecting its commitment to inclusivity and community empowerment.
• Tailor applications to highlight alignment with FNC’s mission of financial inclusion and customer-centric service.

1. Loan Officers (FNC25015)

Job Type: Full Time
Qualification: Diploma or Bachelor’s degree in Business, Finance, Banking, or related field
Experience: Prior experience as a Loan Officer or in microfinance/financial services an advantage
Location: Nairobi, Kenya
Job Field: Finance / Accounting / Audit
Deadline: September 5, 2025

Role Overview

The Loan Officer at Forty Nine Credit is responsible for identifying potential clients, evaluating loan applications, managing loan portfolios, and delivering exceptional customer service. This Forty Nine Credit Jobs role involves marketing loan products, conducting creditworthiness assessments, and building strong client relationships to drive financial inclusion.

Key Responsibilities

• Market and promote Forty Nine Credit’s loan products to attract new clients.
• Conduct client assessments, including business evaluations and creditworthiness analysis.
• Process and evaluate loan applications in line with Forty Nine Credit’s policies.
• Monitor and manage assigned loan portfolios to ensure timely repayments.
• Build and maintain strong relationships with clients and community networks.
• Provide financial advice to enhance clients’ repayment capacity.
• Prepare regular reports on loan performance and client status for FNC.

Key Outputs/Deliverables

• Increased client acquisition and loan portfolio growth for Forty Nine Credit.
• Compliant, timely loan processing and approvals.
• Strong client relationships enhancing retention and satisfaction.
• Accurate, regular loan performance reports.
• Improved repayment rates through effective client support.

Qualifications and Skills

• Diploma or Bachelor’s degree in Business, Finance, Banking, or related field.
• Prior experience as a Loan Officer or in microfinance/financial services preferred.
• Strong sales, marketing, and customer service skills.
• Excellent analytical and decision-making abilities.
• Superior communication and interpersonal skills.
• High integrity and professionalism.
• Ability to work independently and meet targets.

Why Join

• Drive financial empowerment through Forty Nine Credit Jobs, supporting SMEs and individuals.
• Benefit from competitive salaries, performance-based incentives, and career development.
• Work in a dynamic, supportive environment at Forty Nine Credit.

2. Collection Officer (FNC25014)

Job Type: Full Time
Qualification: Diploma or Bachelor’s degree in Business, Finance, or related field
Experience: Previous experience in collections or microfinance/lending an advantage
Location: Nairobi, Kenya
Job Field: Finance / Accounting / Audit
Deadline: September 5, 2025

Role Overview

The Collection Officer at Forty Nine Credit ensures timely loan repayments, maintains strong client relationships, and minimizes delinquency rates. This Forty Nine Credit Jobs role involves proactive follow-ups, negotiating repayment plans, and ensuring ethical, compliant collection practices to support financial stability.

Key Responsibilities

• Follow up on overdue loan repayments through calls, visits, and reminders.
• Negotiate and agree on repayment plans with clients in arrears.
• Maintain accurate collection records and update loan accounts for Forty Nine Credit.
• Monitor loan portfolios to identify repayment risks early.
• Collaborate with Branch Managers and credit teams to reduce non-performing loans.
• Ensure professional, ethical, and compliant collection practices.
• Prepare daily/weekly/monthly collection reports for Forty Nine Credit.

Key Outputs/Deliverables

• Reduced delinquency rates in Forty Nine Credit’s loan portfolio.
• Accurate, up-to-date collection records and account updates.
• Effective repayment plans improving client compliance.
• Collaborative efforts minimizing non-performing loans.
• Comprehensive, timely collection reports.

Qualifications and Skills

• Diploma or Bachelor’s degree in Business, Finance, or related field.
• Experience in collections or microfinance/lending preferred.
• Strong negotiation and conflict resolution skills.
• Excellent interpersonal and communication skills.
• Ability to work independently and meet targets.
• High integrity and professionalism.
• Willingness to travel within assigned areas.

Why Join

• Strengthen Forty Nine Credit’s financial stability through effective collections.
• Join Forty Nine Credit Jobs offering competitive incentives and growth opportunities.
• Thrive in a supportive, client-focused microfinance environment.

3. Branch Manager (FNC25013)

Job Type: Full Time
Qualification: Bachelor’s degree in Business Administration, Finance, Banking, or related field
Experience: Minimum 2 years in microfinance, with 2 years in a supervisory/management role
Location: Nairobi, Kenya
Job Field: Finance / Accounting / Audit
Deadline: September 5, 2025

Role Overview

The Branch Manager leads Forty Nine Credit’s Nairobi branch, overseeing operations, staff management, loan portfolio growth, and compliance. This Forty Nine Credit Jobs role drives business development, ensures exceptional customer service, and maintains operational efficiency to support Forty Nine Credit’s mission.

Key Responsibilities

• Lead branch staff to achieve Forty Nine Credit’s business goals and targets.
• Drive loan portfolio growth while maintaining portfolio quality.
• Ensure compliance with Forty Nine Credit’s policies and regulatory requirements.
• Oversee customer service to deliver a positive client experience.
• Monitor branch performance metrics and prepare regular reports.
• Conduct business development to attract and retain clients.
• Provide training, coaching, and performance evaluations for staff.
• Safeguard Forty Nine Credit’s assets and ensure operational efficiency.

Key Outputs/Deliverables

• Achieved branch targets for loan portfolio growth and quality.
• Compliant operations aligning with Forty Nine Credit’s standards.
• High customer satisfaction through exceptional service.
• Motivated, high-performing branch team.
• Accurate, timely performance reports.

Qualifications and Skills

• Bachelor’s degree in Business Administration, Finance, Banking, or related field.
• Minimum 2 years’ microfinance experience, with 2 years in a supervisory role.
• Proven track record in loan portfolio management and business development.
• Strong leadership, team management, and problem-solving skills.
• Knowledge of credit risk management and regulatory compliance.
• Excellent communication and interpersonal abilities.

Why Join

• Lead Forty Nine Credit’s Nairobi branch, driving financial inclusion and growth.
• Benefit from Forty Nine Credit Jobs with competitive bonuses and training.
• Thrive in a dynamic, results-driven environment.

4. Senior Operations Officer (FNC25012)

Job Type: Full Time
Qualification: Bachelor’s degree in Business Administration, Finance, Operations Management, or related field; Master’s preferred
Experience: Minimum 3 years in operations/branch management in microfinance
Location: Nairobi, Kenya
Job Field: Finance / Accounting / Audit
Deadline: September 5, 2025

Role Overview

The Senior Operations Officer oversees daily operations across multiple Forty Nine Credit branches, ensuring compliance, efficiency, and exceptional client service. This FNC Jobs role involves developing policies, supporting branch managers, and driving operational excellence to support Forty Nine Credit’s growth.

Key Responsibilities

• Oversee operations across multiple branches, ensuring consistency and efficiency.
• Develop and monitor operational policies aligned with Forty Nine Credit’s strategy.
• Supervise branch managers to ensure smooth loan processing and client service.
• Monitor performance metrics and prepare reports for senior management.
• Ensure compliance with regulatory and FNC’s risk management policies.
• Lead process improvement initiatives to enhance productivity and satisfaction.
• Coordinate training programs for operations and branch staff.
• Manage resource allocation to support FNC’s expansion.

Key Outputs/Deliverables

• Efficient, compliant operations across FNC branches.
• Improved processes enhancing productivity and client satisfaction.
• High-performing branch managers and staff.
• Accurate, timely operational reports.
• Effective resource allocation supporting growth.

Qualifications and Skills

• Bachelor’s degree in Business Administration, Finance, Operations Management, or related field; Master’s preferred.
• Minimum 3 years’ experience in operations/branch management in microfinance.
• Strong leadership and people management skills.
• Excellent analytical, problem-solving, and decision-making abilities.
• Knowledge of lending operations, compliance, and risk management.
• Strong communication and interpersonal skills.

Why Join

• Drive operational excellence across Forty Nine Credit branches, impacting financial inclusion.
• Join Forty Nine Credit Jobs offering career growth and competitive incentives.
• Work in a dynamic, supportive microfinance environment.

Why Join Forty Nine Credit?

Forty Nine Credit Jobs provide professionals with the opportunity to empower communities through accessible financial services in Nairobi, Kenya’s financial hub. Loan Officers drive client acquisition and portfolio growth, while the Collection Officer ensures financial stability through effective collections. The Branch Manager leads branch success, and the Senior Operations Officer ensures operational excellence across regions. Employees benefit from competitive salaries, performance-based incentives, comprehensive training, and a collaborative culture, supporting FNC’s mission of financial inclusion and community empowerment.

About Forty Nine Credit

Forty Nine Credit, headquartered at Forty Nine Credit, P.O. Box 12345-00100, Nairobi, Kenya, is a microfinance institution focused on empowering SMEs and individuals through tailored loan products and financial services. Operating in Nairobi, Forty Nine Credit supports economic growth by providing accessible credit, fostering entrepreneurship, and promoting financial inclusion. Forty Nine Credit Jobs align with the institution’s commitment to integrity, professionalism, and community impact, competing with regional players like Caritas Microfinance Bank and Newark Capital.

Commitment to Financial Inclusion

Forty Nine Credit drives financial inclusion by offering innovative loan products and exceptional customer service. The Loan Officers and Collection Officer roles directly engage with clients to provide access to credit, while the Branch Manager and Senior Operations Officer ensure operational efficiency and compliance, supporting Forty Nine Credit’s vision of empowering underserved communities.

Impact on Kenya’s Financial Sector

Forty Nine Credit’s operations in Nairobi contribute to Kenya’s vibrant financial ecosystem, alongside institutions like NCBA Bank and Credit Bank PLC. Forty Nine Credit Jobs enable professionals to impact SMEs and individuals, fostering economic resilience and growth in a competitive market.

Inclusive Culture

Forty Nine Credit fosters a dynamic, inclusive culture, encouraging diversity and professional growth. Employees in Forty Nine Credit Jobs benefit from training, mentorship, and a supportive environment, aligning with the institution’s values of integrity, customer focus, and innovation.

Tips for a Successful Application

To stand out for these FNC Jobs, candidates should consider the following:

• Tailor Your Application: Highlight relevant experience (e.g., microfinance for Loan Officers, leadership for Branch Manager) and align with Forty Nine Credit’s mission of financial inclusion.
• Demonstrate Expertise: Showcase skills in sales, collections, leadership, or operations, emphasizing compliance and customer service.
• Ensure Professionalism: Submit error-free PDFs, including a Cover Letter, CV, and certified documents, specifying the role and code (e.g., FNC25015).
• Meet the Deadline: Submit applications by September 5, 2025, as FNC Jobs are highly competitive.
• Prepare Documentation: Include a Kenya Revenue Authority Tax Compliance Certificate and Certificate of Good Conduct.
• Follow Instructions: Use the correct email address and subject line to ensure proper processing.

Method of Application

Interested candidates should send their CV and a Cover Letter in PDF format, along with certified academic certificates, a Kenya Revenue Authority Tax Compliance Certificate, and a Certificate of Good Conduct, to hr@fortynine.co.ke by September 5, 2025. Please indicate the appropriate job code in the subject line:

• FNC25015 for Loan Officer
• FNC25014 for Collection Officer
• FNC25013 for Branch Manager
• FNC25012 for Senior Operations Officer

Ensure all documents are complete and specify the role applied for to avoid disqualification. Only shortlisted candidates will be contacted.

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Sources:

• Job details: Provided FNC (LLC) job descriptions, posted September 3, 2025.
• Additional context: General knowledge of microfinance in Kenya, aligned with sources like www.myjobmag.co.ke for Credit Bank PLC.

Note: As of September 3, 2025, at 7:07 PM EAT, candidates must submit applications to hr@fortynine.co.ke by September 5, 2025, to join FNC’s mission of empowering communities through financial inclusion.