About OYA Microcredit Limited

OYA Microcredit Limited is a leading microfinance institution dedicated to empowering individuals and small businesses through accessible and affordable financial services. We are committed to fostering economic growth and improving livelihoods in the communities we serve.

Job Summary

We are seeking a motivated and results-oriented Credit Officer to join our team. The Credit Officer will be responsible for assessing loan applications, managing a portfolio of clients, and ensuring the repayment of loans. This role requires strong analytical skills, excellent customer service, and a deep understanding of microfinance principles.

Key Responsibilities

• Conduct thorough credit assessments of loan applicants, including financial analysis and risk evaluation.
• Develop and maintain relationships with clients, providing guidance and support throughout the loan lifecycle.
• Monitor loan portfolio performance, identify potential risks, and implement strategies for mitigation.
• Ensure compliance with OYA Microcredit's policies and procedures, as well as relevant regulations.
• Prepare regular reports on loan portfolio status, client performance, and other key metrics.
• Contribute to the development and implementation of new loan products and services.

Qualifications and Experience

• Bachelor's degree in Finance, Economics, Business Administration, or a related field.
• Minimum of 2 years of experience in credit analysis, loan management, or a related role within the financial services sector, preferably in microfinance.
• Strong understanding of credit principles, financial statement analysis, and risk management.
• Excellent communication, interpersonal, and negotiation skills.
• Proficiency in Microsoft Office Suite, particularly Excel.
• Ability to work independently and as part of a team.
• Knowledge of the local market and community dynamics is an added advantage.

What We Offer

• Competitive salary and benefits package.
• Opportunities for professional development and career growth.
• A dynamic and supportive work environment.
• The chance to make a real impact in the community.

• Conduct thorough credit assessments of loan applicants, including financial analysis and risk evaluation.
• Develop and maintain relationships with clients, providing guidance and support throughout the loan lifecycle.
• Monitor loan portfolio performance, identify potential risks, and implement strategies for mitigation.
• Ensure compliance with OYA Microcredit's policies and procedures, as well as relevant regulations.
• Prepare regular reports on loan portfolio status, client performance, and other key metrics.
• Contribute to the development and implementation of new loan products and services.

• Strong understanding of credit principles, financial statement analysis, and risk management.
• Excellent communication, interpersonal, and negotiation skills.
• Proficiency in Microsoft Office Suite, particularly Excel.
• Ability to work independently and as part of a team.
• Knowledge of the local market and community dynamics is an added advantage.

• Bachelor's degree in Finance, Economics, Business Administration, or a related field.
• Minimum of 2 years of experience in credit analysis, loan management, or a related role within the financial services sector, preferably in microfinance.