50 Credit Officer Job Opportunities – SimplePay Capital

Job Overview

SimplePay Capital is expanding its microfinance operations across Uganda and is seeking 50 dedicated Credit Officers to join its growing team. These professionals will play a critical role in managing loan portfolios, ensuring timely repayments, and fostering strong client relationships in rural and peri-urban areas.

The Credit Officer position is ideal for individuals who are goal-oriented, customer-focused, and comfortable working in dynamic field environments. This role combines elements of collections, customer service, and risk management to support financial inclusion initiatives across the country.

Key Responsibilities

• Monitor loan repayment schedules and follow up on overdue accounts to ensure collections are completed on time and in full.
• Proactively contact clients before and after payment due dates to negotiate flexible repayment plans and prevent defaults.
• Maintain positive and respectful client relationships throughout the collections process, ensuring amicable resolutions even in difficult situations.
• Conduct field visits to assess borrower circumstances, verify collateral, and recover overdue loans through structured debt recovery strategies.
• Identify potential fraud risks in loan applications and flag suspicious patterns that could impact portfolio performance or lead to financial losses.
• Prepare and submit accurate collection reports, including call logs, payment plans, and recovery outcomes, to support management decision-making.
• Assist in processing new loan applications by reviewing documentation, verifying client details, and ensuring compliance with company credit policies.
• Support customer acquisition and retention initiatives by building trust, providing financial education, and promoting SimplePay Capital’s services in local communities.

Qualifications & Experience

Essential

• A minimum of a Diploma in Business Administration, Finance, Accounting, or a related field from a recognized Ugandan institution.
• At least one year of experience in loan collections, microfinance, banking, or customer service roles within a financial institution.
• Strong interpersonal and communication skills with the ability to handle sensitive client conversations professionally and empathetically.
• Proficiency in using Microsoft Office Suite and basic loan management software for record-keeping and reporting purposes.
• Willingness to work in field conditions, travel frequently between districts, and adapt to flexible working hours as required by the role.
• Excellent numeracy skills and attention to detail to accurately track repayments, calculate penalties, and manage client accounts.

Desirable

• A Bachelor’s degree in Finance, Economics, Commerce, or Business Studies from a recognized university in Uganda.
• Previous experience working with microfinance institutions or rural banking programs in East Africa is highly advantageous.
• Certification in credit management, debt collection, or financial literacy training from a reputable organization.
• Fluency in local Ugandan languages such as Luganda, Runyankole, Ateso, or Luo to effectively communicate with rural clients.
• Experience using CRM tools or digital loan platforms for client tracking and portfolio monitoring.

What the Role Offers

• Competitive monthly salary with performance-based bonuses tied to loan recovery targets and client retention rates.
• Comprehensive health insurance coverage including outpatient and inpatient services for employees and their immediate dependents.
• Transport allowance and field travel reimbursement to cover expenses incurred during district visits and client meetings.
• Structured career development program with regular training sessions on credit risk, customer service, and financial regulations.
• Accommodation support or housing allowance provided for officers assigned to remote districts without reliable public transport.
• Annual leave entitlement of 21 working days plus public holidays, with flexible scheduling options during peak collection periods.
• Opportunity to grow within a fast-expanding financial services company that prioritizes employee empowerment and community impact.

How to Apply

Interested candidates should submit a detailed CV, copies of academic certificates, and a brief cover letter explaining their suitability for the Credit Officer role. Please ensure all documents are clear, up to date, and include contact references where possible. Applications will be reviewed on a rolling basis until the closing date of 25th October 2026. Please apply now by clicking the link below.

About the Company

SimplePay Capital is a leading financial services provider operating in Kenya and Uganda, specializing in microfinance, asset finance, and logbook loans tailored for small businesses and individuals. The company is committed to advancing financial inclusion by extending credit access to underserved populations, particularly in rural and semi-urban areas.

Beyond lending, SimplePay Capital runs a corporate social responsibility foundation that focuses on health education and supports girls in vulnerable communities through the distribution of sanitary supplies and life skills training. The organization values integrity, innovation, and community engagement as core principles guiding its operations and employee conduct.

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