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About the Organisation
Head of Credit Administration 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 Administrative jobs in Uganda 2025 today? then you might be interested in Head of Credit Administration job at UGAFODE Microfinance Limited (MDI)
Full Time
Deadline:
3 Nov 2025
Job Title
Head of Credit Administration job at UGAFODE Microfinance Limited (MDI)
UGAFODE Microfinance Limited (MDI)
Job Description
Job Title: Head of Credit Administration
Organisation: UGAFODE Microfinance Limited (MDI)
Duty Station: Kampala, Uganda
Ref: HR/STAFF/VAC – 11/10/25/1
Job Summary:
The Head of Credit Administration is a senior management position directly reporting to the Chief Executive Officer and is responsible for overseeing the credit administration function including developing & executing credit administration strategies, portfolio management, policy development & implementation, risk monitoring across various product lines.
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 possess the requirements stated above, please send your application letter and CV to recruitment@ugafode.co.ug. Your applications should be addressed to the Head of Human Resources, and you should indicate the Vacancy Ref. No in your mail Subject Line.
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Deadline: 3rd November 2025.
Note: Ladies are encouraged to apply. Only shortlisted candidates will be contacted.
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How to Apply
Credit Administration Strategy: Accountable for formulation, review and execution of UGAFODE’s credit Administration strategy based on the agreed strategic direction of the institution as well as annual operating plan.
Credit Analysis/assessments: Leads the credit team in ensuring that all loans are effectively and efficiently analyzed in line with credit standards and metrics to enable a qualitative loan portfolio.
Credit Approval: In exercise of credit control function, the incumbent assumes overall approval powers for all loans within UGAFODE and those that are escalated to the department.
Credit Business Growth: Leads the credit administration team in supporting asset growth through setting controls in the credit underwriting process to limit risk and enhance compliance with UGAFODE & Regulatory credit operating standards.
Stakeholder management: Works in collaboration with other departments namely Business and Product development, Research and marketing for enhanced product input, Business Generation for credit leads and support as well as Recovery support unit for loan recovery escalation and write-offs.
Process Efficiency and Improvement: Conducts regular reviews of Credit policies, process effectiveness and efficiency, and provides feedback and recommendations to UGAFODE management on a regular basis.
Management of credit risk. Approves and or recommends internal loan approval limits as per UGAFODE’s credit structure, ascertains overall risk i.e. ongoing stability of various business sectors against tenure of loans and market risks to the business, ensures all institution’s loans are secure and comply to all set policies and procedures.
Compliance: Ensures compliance with internal credit policies and Central Bank guidelines and regulations on prudential norms failure of which UGAFODE can incur losses as a result of penalties arising thereof.
Reporting on credit strategy: Prepares, reviews and submits portfolio and other financial analysis reports on Credit growth and other trends to key internal and external stakeholders including- Management, Board and Central Bank duly updated.
Budget/Cost Management: Oversees the Credit function Budget and ensure cost saving, value for money, enforcement of budgetary controls and accountability for expenditure in line with UGAFODE set standards and annual operating plans.
Team Leadership: Takes full responsibility for performance management of all direct reports, focusing on all aspects of sound people management.
SERVICES
COMMERCIAL
SERVICES
INDUSTRIAL
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RESIDENTIAL
Minimum of Bachelors in Business Administration, Marketing, Economics or any other business-related subject.
Credit Certification and ACIB or similar professional qualification is desirable.
A minimum of 7 years’ experience in credit management with at least 5 years in middle management
A good understanding of regulations governing financial institutions on lending.
A self-starter who is able to work under minimum supervision.
Analytical with sound judgment and decision-making skills
Excellent report writing skills
Strong communication, networking and stakeholder engagement skills
