Multiple Positions

Job description

1. Job Title: Management Accountant

Location: Head Office – Lusaka, Zambia

Reports to: Chief Financial Officer (CFO)

Employment Type: Full-Time

Job Purpose:

The Management Accountant will play a strategic role in providing financial leadership and oversight to support the company’s growth objectives. This position is responsible for budget management, financial analysis, cost control, and reporting to guide decision-making.

Key Responsibilities:

Prepare and present monthly, quarterly, and annual management accounts and financial reports.
Analyze financial performance and provide strategic recommendations to senior management.
Lead the budgeting and forecasting processes across the organization.
Oversee cost control, variance analysis, and performance measurement.
Develop and implement financial policies, procedures, and internal controls.
Ensure compliance with statutory and regulatory requirements, including tax obligations.
Liaise with external auditors, tax authorities, and regulatory bodies.
Provide financial support to business units in evaluating new projects and investments.
Supervise and mentor junior finance team members to build capacity and performance.
Collaborate with other departments to align financial strategies with operational goals.

Qualifications and Experience:

Bachelor’s degree in Finance, Accounting, or related field.
Full professional qualification in ACCA, CIMA, or ZICA.
Must hold a valid ZICA Practicing License.
Minimum of 5 years experience in a managerial finance role, preferably in financial services.
Proficient in accounting software and Microsoft Excel.
Excellent analytical, leadership, and communication skills.
High level of integrity and attention to detail.

2. Job Title: Agribusiness Officer

Location: Lusaka HQ with frequent field travel

Reports to: Head of Agribusiness

Employment Type: Full-Time

Job Purpose:

The Agribusiness Officer will be responsible for providing technical support, sector insights, and client engagement to ensure that Mikalo’s agricultural finance products meet the needs of farmers.

Key Responsibilities:

Support the design and implementation of agricultural finance products and services.
Conduct field assessments and client engagements to understand agricultural practices and challenges.
Provide technical advisory services and training to clients on agricultural best practices.
Liaise with government bodies, cooperatives, and agri-based NGOs to build strategic partnerships.
Monitor agricultural project performance and impact in the field.
Support risk assessment for agri-loan clients in collaboration with the credit team.
Keep abreast of climate, market, and input trends to inform strategic decisions.

Qualifications and Experience:

Bachelor’s degree in Agriculture, Agronomy, Agricultural Economics, or related field.
At least 3 years of relevant work experience in Zambia’s agricultural sector.
Membership with a recognized professional agricultural body (e.g., ZASTA).
Experience working with smallholder farmers or agri-based financial institutions is an advantage.
Strong communication, analytical, and report-writing skills.
Willingness to travel frequently to field locations.

3. Job Title: Loan Officer X 2

Location: Branch-based

Reports to: Credit Manager

Employment Type: Full-Time

Job Purpose:

The Loan Officer is responsible for the marketing, assessment, processing, and monitoring of loan products offered by Mikalo Finance. The officer will ensure high-quality customer service, portfolio growth, and risk management.

Key Responsibilities:

Market and promote loan products to individuals, groups, and farmers.
Conduct credit assessments including business analysis, site visits, and verification of applicant details.
Prepare loan documentation and present to the Credit Committee for approval.
Monitor loan utilization, repayments, and ensure timely follow-up on arrears.
Provide client training on loan terms, financial literacy, and record-keeping.
·Maintain accurate client records and prepare timely reports.

Qualifications and Experience:

Diploma in Banking, Finance, Business Administration, Agriculture, or a related field.
A Bachelor’s degree in a relevant field will be an added advantage.
Experience in microfinance, agrifinance, or community lending is preferred.
Good interpersonal and communication skills.
High integrity, attention to detail, and ability to meet targets.·
Basic knowledge of credit risk and financial principles.

4. Marketing and Development Officer

Location: Lusaka

Reports to: Head of Sales and Marketing

Type: Full-Time

Job Purpose

To plan, develop, and execute marketing and business development strategies that enhance the company’s visibility, attract new clients, and drive revenue growth. The Marketing and Development Officer is responsible for identifying market opportunities, building strategic partnerships, promoting brand awareness, and supporting product and service innovation in alignment with the company’s mission and goals.

Key Responsibilities:

Execute digital, print, and event-based campaigns.
Manage social media, branding, and marketing content.
Conduct market research and support product launches.
Track performance metrics and ROI.

Qualifications  & Experience

Degree or Diploma in Marketing, Communications, or Business.
2–4 years of relevant experience.
Digital marketing and content creation skills.
Strategic, creative, and highly organized.

HOW TO APPLY

Submit your CV, cover letter, and credentials  as one single document saved in PDF to hr@mikalo.com.zm
Deadline: Friday, 27th June 2025
Subject line should be e.g position – Name ( Loan Officer – Jacob Smith)