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Credit Manager Job at Elegance Finance


Job Summary: Credit Manager

We’re seeking a highly experienced Credit Manager to lead our credit team in developing and delivering competitive credit products that meet the needs of our low-income entrepreneur clients. The successful candidate will ensure a corporate credit culture that drives loan portfolio growth, customer satisfaction, and client protection, while maintaining a high-quality portfolio and reaching the unbanked.

Key Responsibility Areas:

  • Develop and implement credit strategies to drive portfolio growth and client outreach
  • Lead and manage credit staff, providing coaching and training to ensure competency
  • Ensure strong portfolio quality and implement processes and methodologies for core credit products
  • Collaborate with the Marketing Department to incorporate research findings and stay market-focused
  •  Participate in staff recruitment and evaluation, especially for regional managers
  •  Build credit staff capacity and ensure strong credit operations

Personal Specification:

  •  Bachelor’s degree in business administration, commerce, economics, microfinance, or development economics from a reputable university (MBA is an added advantage)
  • 6 years of relevant experience, with 3 in banking or credit (retail development-focused)
  • Strong credit analysis skills and experience
  •  Proven track record in developing credit growth strategies, policies, and procedures at a senior level
  •  Exposure to microfinance is desired
  •  Excellent communication and negotiation skills
  •  Proficient in computer applications, especially MS Office
  • Age below 35 years

Other Required Skills and Competencies:

  • Honest, well-organized, results-oriented, and reliable
  • Team player and self-starter
  • Self-motivated and innovative with a passion to achieve steep targets
  • Strong personality and dynamism
  • Ability to work effectively in a fast-paced environment and under pressure
  •  Commercial awareness and ability to manage costs and maximize income
  • Ability to plan, organize, and prioritize work
  • Excellent interpersonal skills

How to Apply:

Interested candidates should submit their CV and cover letter via the link no later than Friday, July 5, 2024.



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