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Open nowFirst seen 3 days ago

Credit Manager

My9 open roles

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The clock on this job

Early applications get read.

12.1% of postings close within 7 days. Measured by our own scanner across the market. My postings stay open a median of 1 days.

Share of postings closed within
  1. 2.1%1 day
  2. 4.5%3 days
  3. 12.1%7 days
  4. 19.1%14 days
  5. 35.6%30 days
  6. 52.7%60 days
This job: first seen 3 days ago

My median: 1 days open

The posting

Location: Head office, with oversight of all branches

Job type: Full-time

Department: Credit

Reports to: Managing Director

Client: Maru Credit

ABOUT THE ROLE

Our client is looking for a Credit Manager to own the performance of its loan book across all branches. You will lead the credit team, grow disbursements against approved targets and keep portfolio quality strong. That means PAR, write-offs and credit losses stay within approved limits. Every loan must be properly appraised, approved, monitored and collected in line with the company’s credit policy.

You will lead Senior Credit Supervisors and Credit Relationship Officers.

KEY RESPONSIBILITIES

Portfolio growth and performance

  • Deliver monthly, quarterly and annual disbursement and portfolio growth targets.
  • Set branch and individual targets with the Senior Credit Supervisors and track progress weekly.
  • Review disbursements, repayments, arrears, PAR, write-offs and recoveries, and act early on negative trends.
  • Recommend improvements to credit products, pricing, processes and customer experience.
  • Credit appraisal and approval
  • Oversee the full credit process, from customer acquisition to appraisal, approval, documentation and disbursement.
  • Approve loans within your delegated authority and present larger applications to the credit committee with a clear recommendation.
  • Ensure appraisals properly assess repayment capacity, character, collateral and business risk.
  • Ensure loan files are complete and accurate before disbursement.

Credit risk and compliance

  • Ensure all lending follows the credit policy, approval limits and regulatory requirements, including UMRA guidelines, KYC and AML.
  • Monitor exceptions, policy breaches and early warning signs, and resolve them promptly.
  • Lead the regular review of the credit policy and procedures.
  • Escalate suspected fraud, misrepresentation or irregularities immediately.

Collections and recoveries

  • Own the collections strategy for overdue and non-performing loans.
  • Monitor delinquency daily and ensure timely follow-up.
  • Approve restructures, rescheduling and recovery actions within your authority, and oversee legal and third-party recovery where needed.
  • Meet agreed collection and recovery targets.

Team leadership

  • Coach and supervise the credit team, set clear performance expectations and address underperformance early.
  • Identify training needs in appraisal, sales, customer service and collections, and support recruitment and onboarding.
  • Build a culture of integrity, accountability and results.
  • Reporting and management support
  • Prepare accurate weekly and monthly reports on portfolio growth and quality, collections and team performance, with clear insights and recommendations.
  • Contribute to the annual business plan, budget and target setting.
  • Keep customer and portfolio data in LoanDisk, or any system designated by Management, complete and up to date.

Requirements

  • Bachelor’s degree in Finance, Accounting, Business Administration, Economics, Commerce, Microfinance or a related field.
  • At least 6 years’ experience in credit, lending, microfinance or banking, including at least 3 years leading a credit team or branch.
  • Proven record of growing a loan portfolio while keeping quality within target.
  • Strong experience in credit appraisal, approval, portfolio monitoring, collections and recoveries.
  • Good knowledge of the regulatory environment for Tier 4 microfinance institutions and money lenders in Uganda.
  • Strong Excel skills and proficiency in Microsoft Office and loan management systems such as LoanDisk.
  • Sound judgement, strong communication and negotiation skills, and high integrity.
  • Willingness to travel to and work across all branches.
  • Added advantage: a Master’s degree in Finance, Business Administration, Economics or a related field, or a professional qualification in banking, credit management, risk management or micro-finance.
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