Credit Officer – Microfinance at Excelon Limited

Remuneration: Consolidated salary

Our client, a credit-only microfinance company offering business loans and payroll advances, seeks an experienced Credit Officer to manage credit operations, recover overdue loans and maintain a healthy loan portfolio.

Key Responsibilities

• Monitor loan accounts, follow up on repayments and recover overdue amounts.
• Negotiate repayment arrangements and follow up on customer commitments.
• Reduce non-performing loans and restore overdue accounts to performing status.
• Review loan applications and recommend approval in line with credit policies.
• Conduct customer verification (KYC) and maintain complete loan documentation.
• Coordinate recovery activities with legal service providers, credit reference bureaus, debt collectors and auctioneers.
• Maintain accurate physical and digital customer records.
• Prepare regular reports on collections, overdue accounts and portfolio performance.

Requirements

• Degree or diploma in Credit Management, Business or a related field.
• At least 2 years’ experience in credit operations, preferably in microfinance or financial services.
• Proven experience in debt recovery and loan portfolio management.
• Good understanding of credit risk and recovery procedures.
• Ability to meet collection targets.
• Strong negotiation, communication and problem-solving skills.
• High integrity, confidentiality and attention to detail.
• Proficiency in Microsoft Office.