Credit Officer - VSLA Credit OperationsNew!

• Receive digitised VSLAs from the operations team and conduct credit readiness checks on records, governance, savings discipline and meeting consistency.
• Classify VSLAs as credit-ready, deferred or ineligible and support groups to close eligibility gaps.
• Coordinate VSLA credit assessments and loan applications and support approval and disbursement with lending partners.
• Monitor loan utilisation and repayment behaviour at group level and follow up on late repayments.
• Maintain a healthy credit portfolio with at least 98% repayment and portfolio at risk below 3%.
• Develop and implement recovery plans for delinquent groups and escalate risk cases early.
• Supervise DCEs assigned to credit-active VSLAs and ensure routine monitoring visits and follow-ups happen.
• Prepare weekly and monthly credit performance reports on pipeline, disbursements, collections and portfolio risks.

Qualifications & Experience:

• Bachelor's degree in finance, economics, business administration or a related field.
• 2 to 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.
• Comfortable working with digital loan management systems.

Skills & Competencies:

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