Credit Officer - Kitale

What You’ll Bring:

• Prior experience in credit collection, loan management, or community engagement is a strong advantage.
  
• You are self-motivated, organised, and capable of working independently to achieve set targets.
  
• High level of accountability and ownership, with the ability to work under minimal supervision.
  
• Strong listening skills, empathy, and the ability to build and maintain long-term relationships with clients.
  
• Comfort working in the field and navigating rural areas. Transport and safety protocols are in place, and you’ll receive full support from your manager in the field.
  
• A deep passion for rural development and supporting underserved communities.
  
• You are respectful, value diversity, and can thrive in a multicultural environment.
  
• Strong communication skills in English and the ability to speak clearly in at least two of the following local dialects: Kiswahili, Bukusu, Wanga or Lu/ Luganda, Lugisu or Lusoga.
  
• A diploma in a relevant field such as Sales, Business, Credit Management, or Community Development.
  

• Take full ownership of the credit portfolio for your assigned areas.
  
• Make regular outbound calls and in-person visits to remind clients and Group Leaders of their payment obligations.
  
• Secure commitments to pay and follow up to ensure payments are made.
  
• Conduct group arrears meetings when needed, and coordinate repossessions or transfers in cases of deep arrears.
  
• Track all interactions and payment statuses using internal tools.
  

Client Relationship & Field Support

• Serve as the main contact point for clients in areas where we no longer have sales staff.
  
• Build trust and ensure that client concerns are heard and addressed.
  
• Provide updates on group performance and arrears status to your Area Coordinator.
  

Tools & Systems

• Use Bidhaa Sasa’s established M&E systems (e.g. Taroworks) to record field data, repayment progress, and follow-up efforts accurately.
  
• Maintain up-to-date records and provide regular reports on repayment status.