Credit Officers (20 Positions)

Job Overview

Zupa Financial Services is expanding its lending operations across key Ugandan markets and seeks 20 motivated Credit Officers to join our team. This full-time position offers an excellent opportunity to build a career in microfinance while serving communities in Gayaza, Mukono, Iganga and Kireka branches. Successful candidates will play a vital role in expanding access to financial services for underserved populations.

As a Credit Officer, you will be responsible for the end-to-end loan lifecycle from customer acquisition to portfolio management. The role combines field work with office-based tasks requiring strong interpersonal skills and attention to detail. You will work under minimal supervision while adhering to strict lending policies and procedures designed to maintain portfolio quality.

This position is ideal for diploma holders with a passion for financial inclusion and customer service. Zupa Financial Services provides comprehensive training and ongoing support to help you succeed in this dynamic role. We value initiative, integrity and a commitment to helping clients achieve their financial goals through responsible lending practices.

Key Responsibilities

• Identify and recruit potential borrowers through community outreach and market research activities in assigned branch areas.
• Assess individual and business customer loan needs through structured interviews and financial analysis techniques.
• Process loan applications accurately by verifying documentation, conducting credit checks and preparing submission packages.
• Monitor loan repayments closely and follow up with clients to address delinquencies before they become problematic.
• Maintain detailed portfolio performance records and provide regular reports to branch management on lending activities.
• Build and sustain strong customer relationships through regular visits and responsive service to client inquiries.
• Deliver consistent quality customer service that reflects Zupa Financial Services’ commitment to professionalism and care.
• Participate in weekly team meetings and training sessions to enhance product knowledge and collection techniques.
• Ensure compliance with all internal policies, regulatory requirements and ethical lending standards in daily operations.

Qualifications & Experience

Essential

• Minimum diploma from a recognised university or institution in business, finance, economics or related field.
• Demonstrated good communication skills in both English and Luganda or other local languages relevant to branch location.
• Ability to work effectively under minimum supervision while maintaining high standards of accuracy and productivity.
• Basic computer literacy including proficiency in Microsoft Office applications for report preparation and data entry.
• Valid Ugandan national ID and willingness to travel within the assigned branch catchment area for client meetings.

Desirable

• Previous experience in microfinance, banking or savings and credit cooperative organisations (SACCOs) is an added advantage.
• Knowledge of local market conditions and economic activities in Gayaza, Mukono, Iganga or Kireka areas.
• Proven negotiation skills and ability to explain financial products clearly to clients with varying levels of financial literacy.
• Experience using loan management software or digital financial services platforms in previous roles.
• Certificate in credit risk management, microfinance operations or related professional training programmes.

What the Role Offers

• Competitive monthly salary commensurate with experience and qualifications plus performance-based incentives tied to portfolio quality.
• Comprehensive on-the-job training and mentorship from experienced branch managers and senior credit officers.
• Transport facilitation for field work including fuel allowances or reimbursement for official travel within branch areas.
• Access to company-sponsored health insurance coverage after successful completion of the probationary period.
• Opportunities for career advancement within Zupa Financial Services’ growing branch network across Uganda.

How to Apply

Interested candidates should submit an updated CV, copies of academic certificates and professional qualifications, and a brief cover letter outlining your suitability for the Credit Officer role. Please apply now by clicking the link below.

About the Company

Zupa Financial Services is a growing microfinance institution dedicated to providing accessible financial solutions to individuals and small businesses throughout Uganda. With a focus on responsible lending and customer empowerment, we operate branches in key peri-urban and rural areas to promote financial inclusion. Our team values integrity, innovation and a commitment to improving livelihoods through sustainable financial services.

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