Access Microfinance Holding AG („AccessHolding“) was established in 2006 by a group of international shareholders from the public and private sector. Our partners include among others the European Investment Bank (EIB), the International Finance Corporation (IFC), and KfW Development Bank. The business purpose of AccessHolding is to build up and control a network of commercial banks in developing and transition countries (the “AccessGroup”) with a target group focus on micro, small and medium-sized enterprises (MSMEs). The AccessGroup currently comprises ten financial institutions located in Sub-Saharan Africa, Central Asia, the Caucasus, and South America and employs close to 7.000 staff serving more than 400.000 clients. The head office of AccessHolding, the parent company of the Group, is located in Berlin, Germany.

We are looking in Africa, South America and the Central Asian region for candidates to join our

Future Leaders Programme / Trainee MSME Banking


Structure of the Future Leaders Programme

The aim of our Future Leaders Programme is to acquaint new staff with the AccessHolding lending methodology and tools as well as with the roles and responsibilities in a micro, small and medium enterprise (MSME) finance bank. The nine-months training takes place in an Access network bank in Sub-Saharan Africa or the Caucasus. In the event of excellent performance, the nine-month period of the training programme may be shortened.

An additional goal of the Future Leaders Programme will be to enhance the Trainees' management skills to prepare them for their future management tasks. After the training, Junior Banking Advisors are ready to take over first management responsibilities in another Access network bank.

The training location is selected based on the experience and language skills of the trainee, as well as on project capacities and vacancies. Throughout the training, trainees are involved in the daily operations of the bank. Trainees are part of the AccessHolding team on the ground and cooperate closely with the local staff in the bank.

Content of the Future Leaders Programme

According to our experience, the best way of gaining knowledge and skills is training on the job. Therefore, throughout the training, trainees are directly involved in the operations of the Access network bank. A large part of the training usually takes place in the credit department. Trainees accompany loan officers and/or build up their own portfolio of microloans. This enables trainees to acquire a good understanding of the micro lending technology as well as the products and customers of the bank. For most trainees, the work as a Loan Officer is a challenging but very rewarding experience, especially in view of future tasks in management and consulting roles.The training also involves getting to know non-credit departments of the bank, namely the retail department (Client Advisors, Cashiers, Back Cfficers, and alternative channel projects) and head office functions. Also, trainees participate in branch and bank activities that take place in the course of the Future Leaders Programme.

Finally, as a preparation for future management tasks, assisting the Branch Manager, participating in technical and soft skills trainings, and taking on some consulting and management tasks in the LFS team are valuable experiences.

What happens after the training?

As AccessHolding Banking Advisor and during the training, you will spend more time in markets and in clients' shops and houses than in an office, especially in the beginning of your career.

The work within local teams requires a high degree of intercultural sensitivity, communication and leaderships skills. Those have to complement the obligatory technical skills.

A career with AccessHolding involves long-term stays in developing and transition countries (up to several years).

AccessHolding tries to consider country and regional preferences of AccessHolding Trainees and Banking Advisors; however, they may have to be subordinated to the capacities and requirements of projects and the company.

Required skills, qualifications and experience

  • Masters degree in finance or finance-related field, economics, business, microfinance, or agriculture;
  • Apprenticeship in banking or finance sector would be advantageous;
  • Interest in a long-term career in the field of microfinance;
  • First work experience or internships in the field of Branchless Banking, particularly Digital Finance;
  • 2 years professional experience, including first relevant experiences, e.g. in SME and/or Agri-Finance, and (Corporate) Finance are an asset;
  • Living or work experience in a developing or transition economy,
  • Excellent command of English and preferably one of the following languages: Arabic, French, Portuguese or Russian. Additional languages would be an asset;
  • Motivation for a long-term assignment in developing or transition countries;
  • Evidence of a sense of responsibility, intercultural awareness, creativity and commitment to excellence.

How to introduce yourself

Applications, including a covering letter and CV, should be submitted online.

Please find more information visiting
If you are interested in taking on this challenge and would like to join our team, please apply online.
Apply now

Access Microfinance Holding AG

Schönhauser Allee 10-11

10119 Berlin


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