Credit Relationship Officer

Description (Public)

Numida is hiring a Credit Relationship Officer in Western Uganda to conduct due diligence on potential borrowers, analyze creditworthiness, and manage a loan portfolio in line with Numida's digital lending methodology.

Duties, Roles and Responsibilities

Engage with loan applicants via phone to conduct due diligence interviews on new and repeat loan applications
Perform financial analysis of loan applicants and validate their business activities and financial situation
Make well-supported recommendations to the Credit Committee for every loan application
Collect loan repayments as they fall due and follow Numida's escalation process for delinquent borrowers
Execute referral calls to generate new business
Address inbound service inquiries via phone and WhatsApp, resolving issues professionally
Conduct periodic field visits for monitoring and escalation of collections
Record complete and accurate information in the CRM system

Qualifications, Education and Competencies

Qualifications & Experience:

Bachelor's degree in Microfinance, Business Administration, Commerce, or a related field from an accredited university
1+ years of experience as a credit officer or in a related role
Fluency in English and Runyakitara is required; candidates must be based or willing to relocate to Mbarara, Western Uganda

Skills & Competencies:

Proficient in computer and mobile technology (Android apps, Google Drive, Sheets, Docs)
Exceptional organizational skills and attention to detail
Excellent interpersonal skills and high levels of empathy
Strong customer care and phone etiquette

How to Apply

About NUMIDA

Numida uses proprietary credit models and tech-enabled underwriting processes to provide unsecured working capital loans to African micro and small businesses. Instead of borrowing from informal lenders or family, business owners download the Numida app, apply in minutes, and receive capital within a day. There are 20 million of these businesses in Africa, representing a $5 billion market opportunity, and traditional microfinance is failing them. We have figured out how to score and disburse unsecured loans to cash-based businesses that have no digital transaction history, with excellent collection rates. Within 10 years, we anticipate enabling at least 1 million small business owners on the continent to achieve their dreams. We are backed by world-class investors such as Serena Ventures, Onafrig, Breega, and 4Di Capital.