Job title:                                     

Department: Branch Manager 

Credit Department

Location:      Kampala, Uganda 

Reports to:   Managing Director 

Supervises:  Deputy Manager Credit and Operations, Relationship Managers Other Regular Relationships:

Collections Manager, Risk and Compliance Manager and Finance Manager. 

Job Summary

Oversees the day-to-day credit and operations department processes at the company.

Main duties and Responsibilities

• Lead the search for prospective clients and develop plans to increase business as per insights from the credit team’s competitor analysis reports.

• Calculate and propose interest rates for all products 

• Provide oversight over approval or rejection of loan requests, based on credibility, potential revenues and losses 

• Provide guidance on loan applications due diligence processes in liaison with the legal

department.

Job Description 

• Review register and checklist of loan applications and their status including all outstanding debt retrieval activity

• Handle disputed debt amounts and negotiate to bring payment within the agreed terms

• Ensure collection targets set by the company are met

• Ensure that all loan/credit transactions are compliant with Company policies

• Review credit reports prepared by relationship managers to ascertain and make decisions on credit positions of various clients.

• In liaison with Human Resource Manager, provide the right environment to ensure all credit staff are fully productive and recommend strategies for performance improvement. 

• Conduct performance appraisal for the credit team.

• Any other duties as may be allocated by your supervisor.

Requirements