The Credit Officer will manage the full credit portfolio of an assigned territory, maintain strong relationships with client groups, and secure timely repayments. This is a field-based position, supported by your Area Coordinator and our internal credit systems.

What You’ll Do

• Portfolio Management & Collections
• Take full ownership of the credit portfolifor your assigned areas.
• Make regular outbound calls and in-person visits tremind clients and Group Leaders of their payment obligations.
• Secure commitments tpay and follow up tensure payments are made.
• Conduct group arrears meetings when needed, and coordinate repossessions or transfers in cases of deep arrears.
• Track all interactions and payment statuses using internal tools.
• Client Relationship & Field Support
• Serve as the main contact point for clients in areas where we nlonger have sales staff.
• Build trust and ensure that client concerns are heard and addressed.
• Provide updates on group performance and arrears status tyour Area Coordinator.
• Tools & Systems
• Use Bidhaa Sasa’s established M&E systems (e.g. Taroworks) trecord field data, repayment progress, and follow-up efforts accurately.
• Maintain up-to-date records and provide regular reports on repayment status.

What You’ll Bring

• Prior experience in credit collection, loan management, or community engagement is a strong advantage.
• You are self-motivated, organised, and capable of working independently tachieve set targets.
• High level of accountability and ownership, with the ability twork under minimal supervision.
• Strong listening skills, empathy, and the ability tbuild and maintain long-term relationships with clients.
• Comfort working in the field and navigating rural areas. Transport and safety protocols are in place, and you’ll receive full support from your manager in the field.
• A deep passion for rural development and supporting underserved communities.
• You are respectful, value diversity, and can thrive in a multicultural environment.
• Strong communication skills in English and the ability tspeak clearly in at least twof the following local dialects: Kiswahili, Bukusu, Wanga or Lu/ Luganda, Lugisu or Lusoga.
• A diploma in a relevant field such as Sales, Business, Credit Management, or Community Development.