JOB DESCRIPTION 

Job Title:  Credit Officer

Report: Credit Operations Supervisor

Department: Credit/Operations

Role Purpose

The Credit Officer will manage VSLA credit operations in the Teso and Lango sub-regions by transitioning already-onboarded VSLAs into credit-ready groups, overseeing loan disbursement, repayment, and portfolio quality. The role focuses on ensuring only eligible, well-governed VSLAs access credit and that loans are sustainably managed through strong field monitoring and DCE supervision.

Key Responsibilities

1. Transitioning Onboarded VSLAs into Credit

• Receive digitised/onboarded VSLAs from the VSLA Operations team.
• Conduct credit readiness checks on onboarded VSLAs (records quality, governance, savings discipline, meeting consistency).
• Classify VSLAs as credit-ready, deferred, or ineligible and provide feedback to the onboarding team.
• Support VSLAs to address gaps required for credit eligibility.

2. Credit Assessment, Disbursement & Monitoring

• Coordinate VSLA credit assessments and loan applications.
• Support loan approval and disbursement processes with internal teams and lending partners.
• Monitor loan utilization and repayment behavior at group level.
• Follow up on late repayments and support corrective actions with DCEs and group leadership.

3. Portfolio Management & Collections

• Maintain a healthy VSLA credit portfolio with a repayment rate of ≥98%.
• Monitor PAR and escalate risk cases early.
• Develop and implement recovery plans for delinquent groups.
• Ensure accurate loan and repayment data is updated in the system.

4. DCE Supervision (Credit Focus)

• Supervise DCEs assigned to credit-active VSLAs.
• Ensure DCEs conduct routine loan monitoring visits and repayment follow-ups.
• Support DCEs to manage multiple credit groups effectively.
• Mentor at least DCEs supporting credit operations in Teso and Tooro.

5. Coordination with Internal Teams & Partners

• Work closely with the VSLA onboarding team to ensure a smooth handover of groups.
• Coordinate with lending partners during disbursement and monitoring cycles.
• Serve as the primary credit contact for partners in the Teso and Tooro region.

6. Reporting & Compliance

• Prepare weekly and monthly credit performance reports.
• Track credit pipeline, disbursements, collections, and portfolio risks.
• Ensure compliance with internal credit policies and partner requirements.
  

Key Performance Indicators (KPIs)

• A number of onboarded VSLAs successfully transitioned into credit.
• Loan disbursement value and number of credit-active VSLAs.
• Repayment/collection rate of ≥98%.
• Portfolio at Risk (PAR >30 days) of less than 3%
• Accuracy and timeliness of credit data and reports.
• Performance of DCEs managing credit groups.
  

Required Qualifications & Experience

• Bachelor’s degree in finance, economics, business administration, or a related field.
• 2–3 years’ experience in microfinance, VSLA lending, or group credit.
• Strong understanding of VSLA methodologies and group lending risk.
• Experience working with field agents or community-based credit models. l
• Comfortable working with digital loan management systems.

Key Skills & Competencies

• Credit analysis and risk assessment.
• Strong field coordination and follow-up skills.
• Data-driven decision-making.
• Good stakeholder management skills.
• Integrity, discipline, and accountability.

Working Conditions

• Field-based role with frequent travel within Teso and Lango subregions
• Target-driven with clear performance metrics.

To apply, send your application letter and CV to: hr@ensibuuko.com

Application Deadline: 17 November 2026