Main Purpose:

To lead and manage the credit risk and collections strategy for MTN Uganda’s device financing portfolio, ensuring sustainable growth, minimal default rates, and enhanced digital inclusion through responsible lending practices.

MTN Uganda Limited is an equal opportunity employer and is seeking to recruit a competent individual to fill the following position.

Job Title: Credit Manager – Device Financing

Reports to: Senior Manager – Financial Operations

No. of Vacancies: 1

Main Job Functions:

Credit Strategy & Risk Management

• Develop and implement credit policies and risk assessment models for device financing programs.
• Monitor portfolio performance and proactively manage credit risk exposure.
• Collaborate with Business Analysis team to ensure data accuracy and to refine credit scoring models and eligibility criteria.

Portfolio Management

• Oversee the end-to-end lifecycle of device financing accounts—from onboarding to repayment and recovery.
• Track key performance indicators (KPIs) such as default rates, recovery rates, and customer repayment behavior.

Collections & Recovery

• Design and execute effective collections strategies, including early-stage reminders and late-stage recovery actions.
• Work with third-party partners (e.g., M-KOPA) to ensure alignment on collections and customer experience.

Stakeholder Engagement

• Liaise with internal teams (Sales, Marketing, Customer Experience, Legal, IT) and external partners (device vendors, fintechs) to ensure seamless execution of financing programs.
• Ensure all issues are escalated on a timely basis and queries resolved effectively.
• Drive a culture of continuous improvement to enhance service delivery

Compliance & Governance

• Design and document processes and make appropriate recommendations to improve operational effectiveness of device credit management
• Ensure adherence to regulatory requirements and MTN Group credit risk policies.
• Maintain accurate documentation and audit trails for all credit-related activities.

Reporting 

Analyse results and highlight variances from the norm, suggesting corrective action as needed

• Report on weekly and monthly basis to Senior Management on the performance, health and risk trends of the loan portfolio as well as other adhoc reports that may be required
• Ensure adequate provisions for bad debt are made inline with IFRS 9 and MTN Uganda Policies .

Supervisory / Leadership / Managerial Complexity

• Work with the Senior Manager in defining compliance related KPAs
• Continually assess the technical competence of the wider team and take steps to develop their knowledge and skill
• Identify, accumulate and analyse statistics that reflect on the team’s performance
• Recognise the strengths of individuals and make use of these to achieve goals
• Develop professional relationships with teammates and encourage team spirit
• Communicate actively and effectively resolving any potential conflicts that may arise
• Live the MTN Brand – change and influence employees behaviour
• Work as required over month-end periods to ensure that deadlines are met.

Education 

• Bachelor’s degree in finance, Accounting, Economics, Business Administration, or a related field.
• Professional certification, such as CPA, ACCA, CFA, or Credit Management Certification is highly desirable.

Work Experience           

• Minimum of 5 years’ experience in credit risk management, preferably in telecom, banking, microfinance, or fintech sectors.
• Proven experience in managing consumer credit portfolios, especially in device financing or digital lending.
• Strong understanding of mobile money ecosystems, digital credit scoring, and alternative data use in credit decisions.
• Familiarity with credit risk tools, financial modeling, and portfolio performance tracking.
• Proficiency in data analysis tools such as Excel, SQL, Power BI, or Python for credit analytics.
• Knowledge of regulatory frameworks governing consumer lending and data privacy in Uganda.

Industry / Certifications 

• Certified Public Accountant (CPA) (preferred)
• Chartered Financial Analyst (CFA) (preferred)
• Association of Chartered Certified Accountants (ACCA) (preferred)

Any other specifications 

• Leadership training
• Training in Credit risk frameworks and debt recovery processes
• Data analysis and data driven decision making
• Systems training including Oracle Financials, Hyperion (or similar), PowerPoint, Advanced Excel, and Word
• Computer and basic network training
• Key legislation and standards such as the Companies Act, VAT Act, Income Tax Act, IFRS, UCC, USE regulations, Data Protection and Privacy Act etc.

Responsibility towards: 

Internal Stakeholders    

SM: Finance Operations; SM Devices, Sales & Distribution, Marketing, Analysis Department, MTN MoMo, MTN UG Finance Teams, Risk and Compliance, Internal Audit and Forensic Services, Suppliers, Procurement.

External Stakeholders: Interaction and Relationship       

External Auditors, Consulting Services (IFC’s and Compliance),

COMPETENCIES                                                                                                                                    

Knowledge:                                                                                                                              

• Identifies, recognizes & builds future talent Complexity and Ambiguity
• Ensures Ethical Stakeholder Management
• Displays courage to take tough decision Partnering.
• Empowering others
• Information processing
• Risk management                                                                                                                                      

Skills / physical competencies:                                                                                                                           

• Analytical Accounting
• Research & Development ERP related knowledge
• Performance Management                                                                                                                     

Behavioral qualities:                                                                                                                             

• Complete candor
• Relationships
• Emotional Maturity
• Innovation
• Is culturally aware and adaptable                                                                                                               

ABOUT US

We at MTN Uganda are a purpose and value-led organization!

At MTN Uganda, we believe that understanding our people’s needs and aspirations is key to creating experiences that delight you at work, everyday. We are committed to fostering an environment where every member of our Y’ello Family is heard, understood and empowered to live an inspired life.

Our values keep us grounded and moving in the right direction. Most importantly, they keep us honest. It is not something we claim to be. It is in our DNA.