Credit Officer

Job Description

Job Title: Credit Officer
Other wages: 5,000/= daily
Company: Kray
Location: City Centre Branch, Kampala
Category: Finance/Microfinance
Job Type: Full-Time

About Kray
Kray is a fast-growing, tier 4 digital microfinance institution dedicated to providing accessible financial solutions to individuals and small businesses. With an emphasis on digital transformation and financial inclusion, we offer tailored credit services to support the economic growth of underserved communities.

Position Summary
The Credit Officer will be responsible for evaluating loan applications, managing client relationships, and ensuring compliance with lending guidelines. The role involves credit risk assessment, loan monitoring, and a focus on customer satisfaction.

Key Responsibilities

Assess loan applications and conduct background checks for creditworthiness.
Approve loans within the authority limit and escalate high-value loans for further review.
Monitor loan repayments and manage overdue accounts.
Maintain accurate records and timely reporting of loan portfolio performance.
Educate clients on loan terms, policies, and repayment schedules.
Conduct field visits to assess clients’ businesses as part of the credit evaluation process.
Qualifications and Skills

Bachelor’s degree in Finance, Accounting, Business Administration, or a related field.
Minimum of 2 years of experience in credit operations or a similar role.
Strong analytical skills and attention to detail.
Excellent communication and interpersonal skills.
Ability to work independently and handle pressure.
Familiarity with digital lending platforms is an advantage.

How to Apply
Interested candidates should submit their CV here