Vacancy title:
Credit Officer
Employment type: Full time, Industry: Professional Services, Category: Accounting & Finance, Business Operations, Management, Savings & Loans
Jobs at:
Ensibuuko
Deadline of this Job:
Tuesday, November 17 2026
Duty Station:
Teso and Lango subregions | Kampala
Summary
Date Posted: Saturday, November 7 2026, Base Salary: Not Disclosed
JOB DETAILS:
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.
Work Hours: 8
Experience in Months: 24
Level of Education: bachelor degree
Job application procedure
Interested in applying for this job? Click here to submit your application now (hr@ensibuuko.com) .
To apply, send your application letter and CV
Deadline: 17th November 2026
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