Credit Officer (Hybrid Role) at Fruit Micro Credit

Job Summary

Fruit Micro Credit seeks a Credit Officer to strengthen operations in Kasoa. This is a performance-driven role requiring strong experience in credit assessment, loan recovery, and portfolio management. Successful candidates must enforce repayment discipline, control risk exposure, and maintain high portfolio quality.

Key Responsibilities

• Identify and recruit qualified micro and small business clients in line with company policy
• Conduct thorough client assessments, loan appraisals, and field investigations
• Mobilize, disburse, and ensure strict recovery of loans to maintain a Portfolio at Risk (PAR) not exceeding 5%
• Consistently chase delinquent and default clients to demand repayment in line with recovery procedures
• Submit accurate daily, weekly, and monthly reports on disbursement, arrears, and recovery status
• Deliver financial education and promote digital repayment solutions to reduce default risk

Qualifications & Experience

• Minimum of 1 year proven experience in microfinance credit operations, with emphasis on loan recovery
• Diploma or Degree in Finance, Banking, Business Administration, or related field
• Strong analytical, negotiation, and field collection skills
• Demonstrated ability to control delinquency and maintain portfolio quality
• Ability to work under pressure and deliver on recovery targets
• Riding or driving experience is an added advantage

What We Offer

• Competitive compensation with recovery-based incentives

Location & Employment Details

Locations: Accra & Kasoa, Ghana

Job Type: Full-Time, Hybrid Role