Credit Relationship Officer- Numida

Vacancy Title: Credit Relationship Officer
Type: FULL TIME
Industry: Professional Services
Category: Accounting & Finance
Location: Kampala, Uganda

JOB DETAILS:

About Numida:
Numida utilizes proprietary credit models and tech-enabled underwriting processes to offer unsecured working capital loans to micro and small businesses across Africa. With a mission to empower entrepreneurs, Numida provides quick access to capital, revolutionizing traditional microfinance for businesses lacking digital transaction history. Backed by prominent investors including Y Combinator and Serena Ventures, Numida aims to support millions of small business owners across the continent.

Job Purpose:
As a Credit Relationship Officer, you will be responsible for conducting due diligence on potential borrowers, analyzing creditworthiness, managing loan portfolios, and ensuring compliance with Numida’s policies and procedures.

Reporting Line:
This role typically reports to the Credit Team Leader.

Responsibilities:

• Conduct due diligence interviews with loan applicants via phone, analyzing creditworthiness and repayment capabilities.
• Perform financial analysis of loan applicants, engaging with them as needed to validate business activities and financial situations.
• Make recommendations to the Credit Committee for each loan application, supported by thorough analysis.
• Collect loan repayments, following Numida’s escalation process for delinquent borrowers.
• Generate new business through referral calls and collaborate with the Product team on service improvement experiments.
• Address inbound service inquiries via phone and WhatsApp, ensuring resolution and escalating issues when necessary.
• Conduct periodic field visits for monitoring and collections escalation.
• Maintain service standards and resolve complaints promptly and professionally.
• Record accurate customer information in the CRM system to facilitate effective issue resolution.
• Stay updated on Numida’s product offering to provide accurate information and support to clients.

Job Requirements:

• 2+ years of experience in a credit officer or related role.
• Bachelor’s degree in Microfinance, Business Administration, Commerce, or a related field.
• Proficiency in computer and mobile technology, including Android apps and desktop productivity software.
• Fluency in English and Luganda, with additional Ugandan language skills preferred.
• Strong customer care skills, including effective phone etiquette and chat communication.
• Exceptional organizational skills, attention to detail, and interpersonal skills.
• Ability to type 30+ words per minute (desired).

What we offer:

• Competitive salary
• Medical insurance and personal accident cover
• Opportunity to work with an international, ambitious, and open-minded team
• Dynamic culture with abundant learning opportunities and a fun atmosphere

Recruitment Process:

• Screening call with HR
• Manager Interview
• Reference check
• Final Offer

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