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.
Responsibilities
- Portfolio
Management & Collections
- Take
full ownership of the credit portfolio for your assigned areas.
- Make
regular outbound calls and in-person visits to remind clients and Group
Leaders of their payment obligations.
- Secure
commitments to pay 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 no longer have
sales staff.
- Build
trust and ensure that client concerns are heard and addressed.
- Provide
updates on group performance and arrears status to your 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.
Qualifications
- Prior
experience in credit collection, loan management, or community engagement
is a strong advantage.
- You
are self-motivated, organised, and capable of working independently to
achieve set targets.
- High
level of accountability and ownership, with the ability to work under
minimal supervision.
- Strong
listening skills, empathy, and the ability to build 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 to speak clearly in at
least two of the following local dialects: Kiswahili, Bukusu, Wanga
- A
diploma in a relevant field such as Sales, Business, Credit Management, or
Community Development.
How to Apply
