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About the Organisation
Credit Analyst job at UGAFODE Microfinance Limited (MDI) | Apply Now
Kampala, Uganda
UGAFODE Microfinance Limited (MDI) is a regulated financial institution in Uganda, committed to providing affordable and innovative financial services that promote economic and social transformation among underserved populations. Established in 1994 as the Uganda Agency for Development Limited, a non-governmental organization focused on offering group credit primarily to women, UGAFODE transitioned into a company limited by shares in September 2010 and obtained its Microfinance Deposit-taking Institution (MDI) license from the Bank of Uganda in October 2011.
The institution has since earned a solid reputation for delivering quality financial products, including loans, savings, and money transfer services, tailored to meet the diverse needs of clients in urban, peri-urban, and rural areas. With a network of 20 branches and three Sales and Customer Service Centres across the country, UGAFODE employs approximately 370 staff members dedicated to upholding the core values of integrity, customer focus, teamwork, and professionalism.
The organization fosters a collaborative work culture, offering employees opportunities for professional development and career growth within a supportive environment. UGAFODE's business model emphasizes financial inclusion through innovative products like UGAFODE Mobile, enhancing accessibility and convenience for clients. Demonstrating a strong commitment to corporate social responsibility, UGAFODE actively engages in community development initiatives aimed at improving livelihoods and promoting sustainable economic growth. For more information, visit their official website at www.ugafode.co.ug.
Are you looking for Finance jobs in Uganda 2025 today? then you might be interested in Credit Analyst job at UGAFODE Microfinance Limited (MDI)
Full Time
Deadline:
14 Sept 2025
Job Title
Credit Analyst job at UGAFODE Microfinance Limited (MDI)
UGAFODE Microfinance Limited (MDI)
Job Description
Job Title: Credit Analyst
Organisation: UGAFODE Microfinance Limited (MDI)
Duty Station: Kampala, Uganda
Ref: HR/STAFF/VAC – 11/9/2025/1
Job Summary:
Responsible for analyzing credit data and financial information of credit/loan applicants including individuals, groups and institutions to help make decisions on lending and credit-worthiness by determining the risk that the institution will not recoup funds loaned in line with UGAFODE (MDI) credit policy, processes and procedures.
Duties, Roles and Responsibilities
Qualifications, Education and Competencies
See all details of the qualifications, competencies and education for this role under the "How to Apply" section below.
If you believe you meet the requirements as noted above, please submit application letter endorsed by your Line Manager, an up to date CV to our email only: recruitment@ugafode.co.ug. Please indicate the position you are applying for in the Subject Line e.g. “Credit Analyst”). Applications should be addressed to the Head of Human Resource.
Deadline: 14th September 2025.
Note: Ladies are encouraged to apply. Only shortlisted candidates will be contacted.
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How to Apply
Ensuring good loan Portfolio Quality: Ensure good loan portfolio quality in the Region/branches under supervision/attachment.
Loan Applications Analysis: Analyze and evaluate clients’ loan applications and financial statements in order to determine credit worthiness and the degree of risk involved in lending money for applications (i.e. All loans that are 5M and above) in compliance with UGAFODE credit policies and procedures and ensuring timely and quality lending decisions are made.
Support with Capacity building: Takes full responsibility for guiding Relationship officers, Credit Business Supervisors, Branch Business Managers and Regional Business Manager charged with fulfilling credit functions of the institution with credit training, analysis and support in guaranteeing a good loan portfolio process for UGAFODE (MDI) Ltd.
Loan compliance: Conducts daily monitoring of client’s loan performance in line with agreed terms and conditions of the respective loans and per set credit policy and procedures at UGAFODE to guarantee a qualitative loan portfolio.
Reporting: Prepares reports (daily) about degree of risk in lending money to clients, client loan compliance/non-compliance, over all loan performance and trend analysis in loan repayments as well as any feedback to support a qualitative portfolio among others.
Support with debt recovery efforts: Liaises with Regional Business Manager, Credit Business Supervisors, Branch Business Managers and Relationship Officers to ensure recovery of written-off loans and minimizing loan loss provisions in the assigned region/branches.
SERVICES
COMMERCIAL
SERVICES
INDUSTRIAL
SERVICES
RESIDENTIAL
Minimum of Bachelor’s degree in Finance, Accounting, Business Administration or related filed.
Experience in branch management is desired
Experience in credit supervision, Analysis, etc. is preferable
At least 3 years’ experience in credit application processing
Knowledge of credit administration and management
Strong analytical skills
Excellent credit underwriting skills & competencies, networking and stakeholder management.
Ability to work under pressure and adhere to strict deadlines.
Strong Planning, organizing, Monitoring, Analytical and Customer service skills.
Teamwork, Influencing, Negotiation skills and Business drive.
