About Organisation:

Ensibuuko is a Ugandan fintech company focused on providing digital tools for SACCOs and savings groups to improve access to financial services in unbanked communities. Our main revenue comes from licensing microfinance platforms, mobile money transactions, and digital loan services.

Job Summary: The Credit Officer will lead the implementation and scale-up of the Buffalo Bicycle financing program across Northern Uganda, driving access to productive assets for VSLA members through structured credit solutions.

The role combines credit portfolio management, field execution, sales leadership, and stakeholder coordination, ensuring high-quality loan performance, strong adoption of bicycle financing, and effective supervision of Digital Community Entrepreneurs (DCEs).

Key Duties and Responsibilities:

• Credit Portfolio Management & Risk Control
• Oversee the full lifecycle of bicycle loans—from appraisal and disbursement to repayment and closure.
• Maintain a high-quality loan portfolio, ensuring PAR >30 days remains below 3%.
• Conduct credit assessments for both individual and group-based loan products.
• Develop and implement recovery strategies for delinquent accounts, including field follow-ups.
• Ensure strict adherence to Ensibuuko’s credit policies and procedures.
• Program Implementation & Scale-Up
• Lead the rollout and expansion of the bicycle financing program across the assigned districts.
• Drive achievement of program targets, including bicycle distribution and VSLA enrollment.
• Identify growth opportunities and recommend strategies to increase uptake and efficiency.
• Support mobilization of demand for both individual and bundled (group + bicycle) credit products.
• Sales Leadership & Market Development
• Champion bicycle financing as a key product within the VSLA ecosystem.
• Work with DCEs to generate and convert leads into financed bicycle sales.
• Monitor sales pipelines and ensure consistent conversion rates across regions.
• Conduct market sensitization and customer education to drive product understanding and uptake.
• DCE / CBT Supervision & Capacity Building
• Directly supervise and support at least 20 Community Agents/DCEs.
• Deliver structured training and refresher sessions on:
• Credit products
• Sales techniques
• Customer engagement and transparency
• Track individual DCE performance and enforce accountability.
• Mentor DCEs to improve productivity, portfolio quality, and reporting discipline.
• KYC, Data Integrity & Systems Management
• Ensure 100% KYC compliance for all financed customers.
• Oversee accurate and timely digital capture of customer and loan data.
• Maintain clean, reliable portfolio data for decision-making and reporting.
• Enforce data quality standards across all DCEs.
• Reporting, Monitoring & Performance Tracking
• Prepare and submit bi-weekly performance reports covering:
• Sales performance (by district and DCE)
• Loan portfolio performance (repayments, PAR)
• KYC compliance
• VSLA onboarding progress
• Key risks, challenges, and mitigation actions
• Track progress against program KPIs and recommend corrective actions.
• Contribute to periodic impact reporting and documentation of success stories.
• Stakeholder Coordination
• Act as the primary field-level focal point between Ensibuuko and Buffalo Bicycles Uganda (BBU).
• Participate in review meetings and provide operational insights to inform program decisions.
• Support monitoring and evaluation activities, including field verification visits.
• Field Operations & Quality Assurance
• Conduct regular field visits across all assigned districts to:
• Monitor loan utilization and bicycle usage
• Support DCEs and VSLAs
• Verify client data and loan performance
• Ensure compliance with program guidelines and operational standards.

Key Performance Indicators (KPIs)

• Number of bicycles financed and disbursed
• Portfolio quality (PAR >30 days < 3%)
• Number of VSLA groups enrolled into the program
• KYC completion rate (target: 100%)
• Timeliness and quality of reporting
• DCE productivity and performance levels
• Customer repayment behavior and portfolio growth
• Contribution to mobilization of funds for program scale-up

Qualifications, Skills and Experience:

• Bachelor’s degree in Finance, Business Administration, Economics, or related field
• Minimum of 3 years’ experience in credit operations, microfinance, or field-based lending
• Strong experience working with VSLAs, SACCOs, or group lending models
• Proven track record in portfolio management and loan recovery
• Skills & Competencies
• Strong credit analysis and risk management skills
• Leadership and team supervision capabilities
• Excellent training and facilitation skills
• Strong field orientation with ability to work across multiple districts
• Data analysis and reporting proficiency
• High integrity, accountability, and attention to detail
• Ability to work independently and deliver results under minimal supervision
• Tools & Support
• Laptop / Tablet for reporting and data management
• Airtime and data facilitation
• Field transport support
• Operational support from the regional and head office teams
• Key Working Relationships
• Internal: Regional Manager, Credit Team, Operations Team, DCEs
• External: Buffalo Bicycles Uganda (BBU), VSLA groups, local leaders
• Success Profile
• A successful candidate will:
• Build and maintain a high-performing, low-risk credit portfolio
• Effectively drive adoption of bicycle financing across Northern Uganda
• Develop a motivated and productive DCE network
• Ensure high standards of data integrity and reporting
• Contribute to the sustainable scale-up of the bicycle financing program

Apply by 30th April 2026 at hr@ensibuuko.com