About the Organisation

Numida, a pioneering fintech company founded in 2017, empowers small and medium-sized enterprises (SMEs) across Africa by providing accessible and secure working capital through digital technology. As a leading digital loan provider for underserved business owners in Uganda, Numida has supported over 40,000 businesses using mobile technology and proprietary algorithms.

The company fosters a vibrant, impact-driven work culture that values transparency, innovation, and continuous learning, offering competitive benefits, flexible work schedules, and career advancement opportunities. Guided by core values of empowerment, integrity, innovation, and client-centeredness, Numida is committed to financial inclusion and equitable economic growth through CSR initiatives focused on financial literacy and community support. For more information, visit www.numida.com.

Job Summary

The Credit Relationship Officer (CRO) at Numida will manage a borrower portfolio, assess loan applications, evaluate creditworthiness, and ensure compliance with lending policies. This role is pivotal in maintaining strong client relationships, ensuring timely repayments, and driving business growth.

Roles, Duties, and Responsibilities

Conduct phone-based due diligence interviews with new and returning loan applicants
Perform financial analysis to assess borrowers’ business performance and repayment capacity
Develop and submit well-supported loan approval recommendations to the Credit Committee
Manage loan collections, ensuring timely payments and following escalation protocols for overdue accounts
Generate new business leads through referral calls
Support the product team by participating in experiments to enhance products and services
Respond to customer support inquiries via calls and WhatsApp, resolving or escalating issues appropriately
Conduct regular field visits to monitor clients and support collection efforts
Maintain accurate and updated records in Numida’s CRM system
Uphold Numida’s professional and ethical standards while delivering excellent customer service
Stay informed about Numida’s financial products and services to provide accurate information to clients

Key Performance Indicators (KPIs)

Number of customers attracted and retained
Total amount of loans disbursed
Loan repayment rates and collection efficiency
Portfolio quality (minimal write-offs or non-performing loans)

Qualifications, Education, and Competencies

Bachelor’s degree in Business Administration, Commerce, Microfinance, or a related field
2+ years of experience as a credit officer or in a similar role
Strong proficiency with computers and mobile devices (Android apps, Google Drive, Sheets, and Docs)
Excellent communication skills in English and Swahili (written and spoken); knowledge of other local languages is an advantage
Proven ability to deliver outstanding customer service with professional phone and chat etiquette
Highly organized, detail-oriented, and accurate with data
Patient, empathetic, and skilled in client communication
Typing speed of at least 30 words per minute (preferred)

What We Offer

Competitive benefits package
Health insurance and personal accident coverage
Dynamic, global, and growth-oriented workplace
Opportunities for learning, professional growth, and collaboration
Impact-driven culture rooted in inclusivity and innovation

Hiring Process

HR screening call
Interview with the Hiring Manager
Reference verification
Final offer

Why Join Numida?

Joining Numida means contributing to a movement that revolutionizes financial access for African small business owners. Our commitment to creativity, diversity, and lifelong learning creates an environment where you can thrive, with competitive pay, a collaborative hybrid workplace, equity opportunities, and impactful work.