1. Finance and administrative officer 2. ICT and digital strategy officer 3. Marketing officer 4. Member services consultant 5. Graduate interns loans and credit 6. Graduate interns Teller

VACANCY ANNOUNCEMENT:

1. TELLER (3 Internship Positions) REPORTING TO: Finance and Administration Officer Dwasco Sacco is seeking a highly motivated, honest, and professional Teller to join our team. The successful candidate will be the face of the Sacco, providing excellent financial services while ensuring the security and accuracy of all member transactions. KEY RESPONSIBILITIES

2. Cash Management: Handle daily treasury requisitions, surrenders, and meticulous sorting of cash.

3. Transaction Processing: Receive cash/cheque deposits and process withdrawals for members with 100% accuracy in verification and documentation.

4. Member Service: Provide high-quality, professional service to members, including handling inquiries and providing "small change" services.

5. Sales & Growth: Identify cross-selling opportunities and leads to support savings and loan book growth.

6. Data Integrity: Ensure accurate data entry and assist in updating member records within the system. REQUIRED QUALIFICATIONS & EXPERIENCE • Education: Diploma in a Business-related field. • Experience: Minimum of three (3) years of relevant experience in a financial or similar environment. • Technical Skills: Proficiency in Microsoft Office, internet usage, and data entry. • Experience in SACCO industry with prior knowledge of Fin Financials is a plus.

7. MEMBER CONSULTANT (2 POSITIONS) DWASCO SACCO is looking for vibrant, member-focused individuals to fill the role of Member Consultant across our various branches. This is a pivotal role designed to drive membership growth, enhance service delivery, and support the financial well-being of our community through professional consultancy and efficient transaction handling. PRIMARY PURPOSE To provide high-quality service and reliable financial guidance that promotes the Sacco’s business objectives while improving the socio-economic status of our members. KEY RESPONSIBILITIES

8. Member Service & Transactions: Facilitate seamless deposits and withdrawals; manage member inquiries with professionalism both in-person and via telephone.

9. Growth & Marketing: Actively recruit and retain members; identify cross-selling opportunities for Sacco products to grow the savings and loan portfolios.

10. Process Improvement: Develop and refine feedback procedures to improve the member experience; provide management with insights on service enhancements.

11. Financial Integrity: Ensure all transactions are accurately recorded, balanced, and posted to the correct ledgers in compliance with Sacco procedures.

12. Market Intelligence: Assist in conducting market surveys and comparative analyses of financial trends to keep the Sacco competitive. REQUIRED QUALIFICATIONS & EXPERIENCE • Education: Minimum of a Certificate in a Business-related field. • Experience: At least three (3) years of relevant experience in a customer-facing or financial services role. • Technical Skills: Strong proficiency in Microsoft Office Suite, internet usage, and fast, accurate data entry.

13. FINANCE AND ADMINISTRATION OFFICER 1 POST Location: Dwangwa REPORTING TO; Finance and Administration Manager Dwasco Sacco Limited is a member-owned financial cooperative, duly registered and regulated by the Reserve Bank of Malawi. Committed to excellence and financial inclusion, we are seeking a meticulous and proactive Finance and Administration Officer to support our growing operations in Dwangwa. JOB PURPOSE Reporting directly to the Finance and Administration Manager, the Officer will play a critical role in the day-to-day execution of financial, human resource, and administrative functions. The successful candidate will ensure the accuracy of financial records, maintain robust internal controls, and support the management team in delivering timely financial information for strategic decision-making. KEY RESPONSIBILITIES

14. Financial Accounting: Perform daily bank reconciliations and ensure the timely and accurate recording of all accounting transactions in the SACCO system.

15. Reporting Support: Assist in the preparation of monthly management accounts, variance reports, and annual financial statements.

16. Budgetary Control: Monitor department spending against approved budgets and flag discrepancies to the Manager.

17. Audit & Compliance: Support the internal and external audit processes; assist in implementing audit recommendations and ensuring 100% compliance with RBM regulations and SACCO policies.

18. Asset Stewardship: Maintain the fixed asset register and ensure the efficient use and protection of the SACCO’s physical and financial resources.

19. Administrative Oversight: Manage office supplies, coordinate staff administrative needs, and support HR-related documentation.

20. Risk Management: Identify operational risks within the finance function and ensure internal controls are strictly followed. QUALIFICATIONS & EXPERIENCE Education: Bachelor’s Degree in Finance, Accounting, or a related field.

Professional Qualification: Must be at least a Level 2 candidate in professional programs such as ACCA, CIMA, ICAM, or CPA. Experience: Minimum of three (3) years of relevant experience in a busy finance environment. Experience within a SACCO or the wider financial services industry is a distinct advantage. 4. ICT & DIGITAL STRATEGY OFFICER (1 POST) REPORTING TO: Member Services Manager LOCATION: Head Office, Dwangwa DWASCO SACCO is a leading member-owned financial cooperative regulated by the Reserve Bank of Malawi. As we transition into a more data-driven and digitally-enabled organization, we are looking for a versatile ICT & Digital Strategy Officer to join our Management Team at the Head Office in Dwangwa. This role is designed for a tech-forward professional who can not only manage our core infrastructure but also leverage data and digital marketing to drive institutional growth. PRIMARY PURPOSE The ICT & Digital Strategy Officer is responsible for the integrity and performance of all SACCO information systems. The role involves managing the LAN/WAN, ensuring 99.9% system uptime, and leading the SACCO's digital transformation through data analytics and online member engagement. KEY RESPONSIBILITIES

1. Infrastructure & Systems Management

2. Maintain 99.9% uptime for networks, servers, and core banking systems. 3.Lead the setup and installation of technical systems across the branch network.

3. Ensure robust cybersecurity, including firewalls, antivirus deployment, and regular disaster recovery testing.

4. Manage daily system backups and ensure off-site data integrity.

5. Data Analysis & Performance Tracking

6. Utilize the PEARLS monitoring system to track financial stability and growth.

7. Develop automated dashboards to monitor yearly planned targets versus actual results across all divisions.

8. Analyze member transaction data to identify trends, helping management make evidence-based decisions.

9. Digital Marketing & Visibility

10. Manage the SACCO website and social media platforms, ensuring regular content updates (minimum 2 stories per month).

11. Develop and lead the launch of digital products, including online loan applications and youthdrive mobile apps.

12. Implement and manage the SACCO Intranet and Helpdesk system to improve internal and external communication. REQUIRED QUALIFICATIONS & EXPERIENCE • Education: Diploma or Degree in Computer Science, Information Technology, or Systems Technology. • Experience: Minimum of three (3) years of relevant experience in a financial services environment. • Technical Expertise: Proven experience in database management and financial system interfaces. • Proficiency in data visualization tools (e.g., Excel Power Pivot, Tableau, or custom dashboards). • Practical knowledge of Digital Marketing tools (SEO, Content Management Systems, and Social Media Analytics).

13. MARKETING OFFICER (3 POSTS)

DWASCO SACCO is a leading financial cooperative dedicated to the socio-economic empowerment of its members. We are undergoing a strategic transformation and are looking for three (3) dynamic, result-oriented Marketing & Officers to drive membership growth, product innovation, and brand excellence across our network.

JOB PURPOSE Reporting directly to the Member Services Manager, the Marketing Officer is responsible for expanding the SACCO’s footprint through aggressive membership recruitment, deposit mobilization, and high-impact digital and field-based campaigns. The goal is to enhance member satisfaction while ensuring the SACCO remains competitive in a rapidly evolving financial landscape.

DUTIES & RESPONSIBILITIES

1. Execute aggressive recruitment strategies to increase membership and expand the loan book and savings portfolio.
2. Lead Deposit Mobilization initiatives by developing competitive products and conducting high-touch institutional visits.
3. Manage the full "Customer Journey," from onboarding new members to conducting exit interviews and retention surveys.
4. Create and manage high-quality multimedia content (graphics, video, and copy) for the SACCO’s social media, website, and member portal.
5. Modernize member communication using automated SMS, email newsletters, and interactive webinars/seminars.
6. Maintain the brand "ambiance" across all physical outlets and digital touchpoints to ensure a premium, professional image.
7. Conduct regular market surveys and competitor analysis to identify trends and gaps in the Malawian financial sector.
8. Lead the design, pilot-testing, and launch of new credit and savings products
9. Analyse membership statistics and financial trends to provide management with datadriven growth strategies.

REQUIRED QUALIFICATIONS & SKILLS ➢ Education: Diploma or Degree in Marketing, Business Administration, Journalism, or a related field.

➢ Technical Skills: Proficiency in Graphic Design tools (Canva, Adobe Suite, etc.) and Social Media Management.

➢ Strong Data Analytics skills to interpret market trends and member growth figures.

➢ Advanced copywriting skills for both traditional and digital media.

➢ Experience: Minimum of three (3) years of experience in marketing, preferably within a financial institution or SACCO environment.

VACANCY ANNOUNCEMENT: LOANS & CREDIT INTERNS (2 POSTS) DWASCO SACCO is offering an exciting career-start opportunity for two (2) energetic and analytical Loans & Credit Interns. These positions are designed for high-potential individuals looking to develop professional expertise in credit risk, portfolio management, and financial analysis within a regulated SACCO environment. PROGRAM OVERVIEW The internship provides comprehensive exposure to the lending lifecycle. Interns will work under the guidance of the Loans Officer and Finance Manager to support the growth of a healthy loan book while ensuring strict adherence to the SACCO's credit policies. KEY LEARNING AREAS & RESPONSIBILITIES

1. Learn to perform comprehensive borrower assessments using the 5 Cs of Credit (Character, Capacity, Capital, Collateral, and Conditions).
2. Assist in verifying member information and analysing financial data to determine loan eligibility and repayment capacity.
3. Support the "Perfection of Security" process to ensure all collateral is legally and physically secured.
4. Assist in the monthly reconciliation of payroll deduction schedules to ensure 100% accuracy in loan repayments.
5. Support the preparation of Credit Committee reports and monthly portfolio-at-risk (PAR) analysis.
6. Learn to monitor the Product Mix to ensure a balanced and diversified loan portfolio
7. Participate in proactive recovery activities, including member follow-ups and drafting formal demand letters for past-due accounts.
8. Assist in tracking loan instalments to ensure the SACCO maintains its target of below 5% delinquency.
9. Member Consultancy & Relations
10. Act as a bridge between the SACCO and its members, explaining loan products and the responsibilities of borrowing.
11. Assist in maintaining comprehensive and parallel credit files at the Head Office.
12. Participate in market research surveys to help develop new, member-focused credit products. REQUIREMENTS & ELIGIBILITY ➢ Education: Recent graduate with a Diploma or Degree in Banking, Finance, Accounting, Economics, or a related business field. Skills: ➢ Strong mathematical and analytical skills (ability to calculate interest and percentages accurately). ➢ Proficiency in Microsoft Excel and Word. ➢ Excellent communication and negotiation skills. Attributes: ➢ High integrity and a commitment to professional ethics. ➢ Ability to handle sensitive financial information with confidentiality. ➢ A proactive "can-do" attitude with a willingness to work in the field when necessary. WHY INTERN WITH DWASCO SACCO? ✓ Hands-on Experience: Real-world training in credit risk and financial operations. ✓ Career Pathing: Exposure to the internal governance and regulatory standards of the Reserve Bank of Malawi. ✓ Supportive Environment: Mentorship from senior credit professionals. Duration: 6–12 Months Location: Head Office, Dwangwa

How to Apply: Interested candidates should submit a cover letter, an updated CV with 3 traceable referees, and copies of certificates/academic transcripts to: The Chief Executive Officer DWASCO SACCO Limited P.O. Box 112, Dwangwa. Email: info@dwascosacco.com Closing Date: 7 April 2026 (3pm)