Credit Officer – Microfinance

Role Overview

The Credit Officer will oversee loan accounts from application review through repayment, with a particular focus on resolving arrears and keeping the lending portfolio in good health. Working within the company’s credit policies, this role combines customer follow-up, recovery coordination, accurate record-keeping and portfolio reporting.

Key Responsibilities

• Track borrower accounts, monitor repayment dates and contact customers when payments fall behind.
• Discuss practical repayment plans with overdue customers and check that agreed commitments are met.
• Work to bring delinquent accounts back into good standing and limit growth in non-performing loans.
• Assess loan applications and provide approval recommendations based on the company’s credit criteria.
• Complete customer verification checks, including KYC, and ensure loan files contain the required documentation.
• Coordinate recovery cases with legal providers, credit reference bureaus, debt collectors and auctioneers.
• Keep customer and loan records accurate, current and accessible in both physical and digital formats.
• Prepare regular updates on collections, arrears and overall portfolio performance.

Requirements & Qualifications

• A degree or diploma in Credit Management, Business or a related discipline.
• At least two years of experience in credit operations; experience in microfinance or financial services is preferred.
• Demonstrated experience with debt recovery and loan portfolio management.
• Working knowledge of credit risk and loan recovery procedures.
• Ability to work toward collection targets and manage customer follow-up consistently.
• Strong negotiation, communication and problem-solving abilities.
• High standards of integrity and confidentiality, with close attention to detail.
• Proficiency in Microsoft Office.

What We Offer / Why Join

• Consolidated salary.