Background

SME Clinic, on behalf of its client, a leading licensed microfinance institution dedicated to providing inclusive financial services, is recruiting an experienced Systems & Compliance Officer to oversee our management information systems (MIS) and ensure institutional compliance with regulatory and internal policies. The successful candidate will design and support digital systems, maintain data integrity, generate reports and coordinate audits while monitoring regulatory changes, requirements and internal control adherence. This role blends IT systems expertise with strong risk and compliance acumen to support the company’s mission and digital transformation.

Key Responsibilities

Systems & MIS Management

System development and maintenance. Participate in MIS system projects, ensuring system design, implementation, operation, maintenance and staff training. Support all aspects of MIS operations across branches, including data integrity, backups and user support.

Monitoring and support. Monitor the microfinance MIS system, manage loan portfolio data for assigned branches, and supervise data entry staff to ensure accurate, timely updates. Respond to ad‑hoc information requests from internal departments and regulators and provide report generation for management and regulatory authorities.

Audit coordination and training. Coordinate with internal audit teams for repayment and portfolio audits and ensure data quality. Train users on the MIS system and ensure they adhere to data entry and reporting standards.

Systems security and infrastructure. Maintain IT assets and ensure security updates and antivirus policies are applied. Ensure data privacy and confidentiality in line with policies and Malawi’s data protection laws.

Compliance & Risk Management

Risk management. Support the implementation and monitoring of the enterprise risk management framework, including conducting periodic risk assessments, updating risk registers and monitoring key risk indicators.

Regulatory compliance. Assist in monitoring compliance with laws, regulations and guidelines relevant to microfinance institutions. Track regulatory changes and recommend updates to internal policies and procedures.

KYC oversight. Ensure customer due diligence and know‑your‑customer (KYC) requirements are met; assist in customer risk assessments, enhanced due diligence and ongoing monitoring for suspicious activities. Prepare regulatory reports and returns related to compliance.

Policy implementation and internal controls. Monitor adherence to internal policies and procedures, assist in reviewing and updating risk policies and support internal and external audits. Prepare periodic risk and compliance reports for management and board committees and maintain accurate risk registers and issue logs.

Required Qualifications and Experience

Education. Bachelor’s degree in Computer Science, Information Technology, Data Analytics, Finance, or a related field. Additional training or certification in compliance, risk management or AML is an advantage.

Experience. Minimum 3 years of experience in MIS administration, IT systems management or information analysis combined with at least 2 years in compliance, risk management or audit within a regulated financial institution.

Technical skills.

Proficiency in database management and reporting tools; knowledge of SQL and advanced Microsoft Excel skills.

Experience with microfinance or banking core systems and ability to manage loan portfolio data across branches.

Understanding of enterprise risk management, regulatory frameworks and internal control systems.

• System development and maintenance.
• Participate in MIS system projects, ensuring system design, implementation, operation, maintenance and staff training.
• Support all aspects of MIS operations across branches, including data integrity, backups and user support.
• Monitor the microfinance MIS system, manage loan portfolio data for assigned branches, and supervise data entry staff to ensure accurate, timely updates.
• Respond to ad‑hoc information requests from internal departments and regulators and provide report generation for management and regulatory authorities.
• Coordinate with internal audit teams for repayment and portfolio audits and ensure data quality.
• Train users on the MIS system and ensure they adhere to data entry and reporting standards.
• Maintain IT assets and ensure security updates and antivirus policies are applied.
• Ensure data privacy and confidentiality in line with policies and Malawi’s data protection laws.
• Support the implementation and monitoring of the enterprise risk management framework, including conducting periodic risk assessments, updating risk registers and monitoring key risk indicators.
• Assist in monitoring compliance with laws, regulations and guidelines relevant to microfinance institutions.
• Track regulatory changes and recommend updates to internal policies and procedures.
• Ensure customer due diligence and know‑your‑customer (KYC) requirements are met; assist in customer risk assessments, enhanced due diligence and ongoing monitoring for suspicious activities.
• Prepare regulatory reports and returns related to compliance.
• Monitor adherence to internal policies and procedures, assist in reviewing and updating risk policies and support internal and external audits.
• Prepare periodic risk and compliance reports for management and board committees and maintain accurate risk registers and issue logs.

• Proficiency in database management and reporting tools
• Knowledge of SQL
• Advanced Microsoft Excel skills
• Experience with microfinance or banking core systems
• Ability to manage loan portfolio data across branches
• Understanding of enterprise risk management
• Understanding of regulatory frameworks
• Understanding of internal control systems

• Bachelor’s degree in Computer Science, Information Technology, Data Analytics, Finance, or a related field.
• Additional training or certification in compliance, risk management or AML is an advantage.