Credit Manager
AI summary
A Kampala-based Credit Manager role leading the full credit cycle for a Ugandan SACCO or financial institution, covering credit appraisal, loan portfolio management, delinquency control, and recovery. The position requires a finance-related degree, at least 5 years of credit management experience, and 2–3 years in a supervisory role. Only Ugandan citizens eligible to work in Uganda may apply.
- Kampala-based role open only to Ugandan citizens currently eligible to work in Uganda
- Leads credit appraisal, loan portfolio management, delinquency control, and recovery
- Requires a Bachelor's degree in Finance, Accounting, Economics, Commerce, Business Administration, Banking, Microfinance or related field
- At least 5 years credit management experience and 2–3 years in a supervisory/management role
- Experience in a SACCO, microfinance institution, bank or regulated financial institution preferred
AI job guide
Use this guide to check salary signals, requirements, documents, application steps and safety before you apply.
AI salary guide
Not enough public dataNot enough public salary data is available for this exact role. Before applying, prepare to ask about gross pay, benefits, contract length, probation period, transport and any allowances.
Can you qualify for this role?
- Required5+ years of relevant experienceThe job post includes a minimum experience signal.
- RequiredEducation or certification mentioned in the postThe captured text mentions education, a diploma, certificate, or licence.
- PreferredPractical evidence in security, seguranca, financeThe tags and summary point to skills connected with this role.
- RequiredAvailability to work in Not specifiedThe vacancy is associated with this location.
Documents to prepare
- Likely requiredUpdated CV
- Role specificCover letter or short employer message
- OptionalProfessional references
- Role specificAcademic or professional certificates
- VerifyID or passport only after verifying the employer
Application tips for this job
- Place your strongest Credit Manager evidence in the first half of your CV.
- In your cover letter or employer message, connect your experience to BrighterMonday Uganda and the role in Not specified.
- Add concrete examples related to security, seguranca, finance, ideally with measurable outcomes or clear responsibilities.
- Follow the instructions from BrighterMonday Uganda; avoid sending documents to unofficial contacts or copied links.
- Confirm the deadline, interview location and employer contact before sharing personal documents.
- Prepare a polite question about pay, benefits and contract terms for later interview stages.
Source and safety check
- BrighterMonday Uganda
- Original source link available
- Application method is clear
- Deadline not specified
- No major risk signal was detected in the captured text.
Never pay for interviews, shortlisting, medical checks, uniforms, or job placement. Confirm every application at the original source before sharing personal documents. Report suspicious listing.
Interview preparation
- What experience makes you a strong fit for this Credit Manager role in security, seguranca?
- How have you handled responsibilities similar to those in this job post?
- Are you available to work in Not specified under the listed contract or schedule?
- Prepare examples with clear responsibilities, tools used and measurable outcomes.
- Review the source and research BrighterMonday Uganda before the interview.
Ask what the first priorities will be in the role and how success will be measured.
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Original source description
We are seeking a highly competent, results-oriented, and experienced Credit Manager to lead and strengthen the institution’s credit function. The Credit Manager will be responsible for managing the full credit cycle—from credit appraisal and approval processes to loan monitoring, portfolio quality management, delinquency control, recovery and reporting. The successful candidate will provide strong leadership to the credit team and ensure that lending decisions support sustainable growth while maintaining prudent credit-risk standards. This is a hands-on management role requiring a strong understanding of SACCO lending, credit risk, loan portfolio management, delinquency management and recovery practices in Uganda.
Key
Responsibilities
- 1. Credit & Loan Portfolio Management
- Lead the day-to-day management of the SACCO's credit function and loan portfolio.
- Develop and implement effective credit management strategies aligned with institutional objectives.
- Ensure loans are appraised, approved, disbursed, monitored and recovered in accordance with approved policies and procedures.
- Monitor portfolio performance, portfolio-at-risk, delinquency, arrears, provisioning and loan recovery trends.
- Identify emerging credit risks and recommend appropriate corrective measures.
- Maintain a healthy balance between portfolio growth, member service and credit quality.
- 2. Credit Appraisal & Risk Management
- Review and strengthen credit appraisal processes and ensure sound lending decisions.
- Ensure proper assessment of borrowers' repayment capacity, cash flows, character, collateral/security, and overall creditworthiness.
- Review credit applications and recommendations within delegated authority.
- Ensure appropriate documentation, security perfection and compliance with lending requirements.
- Identify high-risk exposures and recommend appropriate mitigation measures.
- Regularly review the effectiveness of credit policies, procedures, lending products and approval limits.
- 3. Delinquency & Loan Recovery
- Take overall responsibility for reducing loan delinquency and maintaining a high-quality loan portfolio.
- Establish effective early-warning and arrears-management systems.
- Supervise and coordinate collection and recovery activities.
- Ensure timely follow-up of overdue accounts and escalation of problematic loans.
- Develop recovery strategies for non-performing and difficult loans.
- Work with credit officers and relevant management teams to negotiate appropriate repayment arrangements where necessary.
- Ensure recovery actions are properly documented and undertaken within applicable policies and legal requirements.
- Monitor the performance of recovery efforts and report on recovery outcomes.
- Qualifications &
Experience
- Minimum
- in credit management, preferably within a SACCO, microfinance institution, bank or other regulated financial institution.
- At least 2–3 years in a supervisory or management position within a credit function.
- Demonstrable
- managing loan delinquency, arrears and recoveries.
- Strong knowledge of credit appraisal, loan portfolio management and credit-risk assessment.
- Practical understanding of SACCO lending operations and the Ugandan financial-services environment.
- Strong analytical, leadership, negotiation and communication skills.
- Good working knowledge of Microsoft Office, particularly Excel, and familiarity with computerized credit/SACCO management systems.
- Important Eligibility Requirement
- This position is strictly open to Ugandan citizens currently eligible to work in Uganda.
- The position is Kampala-based, and applicants must be available to work from Kampala.
- How to Apply:
- All applications will be received and reviewed through the BrighterMonday Portal by clicking on the 'Apply Here' section
- Log In and Apply
- Important safety tips
- Do not make any payment without confirming with the BrighterMonday Customer Support Team.
- If you think this advert is not genuine, please report it via the Report Job link below.
- Report Job
Requirements
- A Bachelor's degree in Finance, Accounting, Economics, Commerce, Business Administration, Banking, Microfinance or a related field.
- Professional qualifications in Credit Management, Banking, Finance, Risk Management, Accounting or related disciplines will be an added advantage.
- At least 5 years relevant