Junior Credit Officer

Experience and skills

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• Bachelor’s degree in Finance, Economics, Business Administration, or 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.
  

  
  

• Comfortable working with digital loan management systems.
  

  
  

1. Transitioning Onboarded VSLAs into Credit

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• Receive digitized/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

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• 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

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• 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)

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• 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

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• 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

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• Prepare weekly and monthly credit performance reports.
  

  
  

• Track credit pipeline, disbursements, collections, and portfolio risks.
  

  
  

• Ensure compliance with internal credit policies and partner requirements.