Fruit Micro Credit invites applications from suitable qualified applicants for the position of a Credit Officer to strengthen our operations at Accra and Kasoa

Job Summary

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.

Qualification required & Experience

Requirements

• 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.

Why Join Us?

• Competitive compensation with recovery-based incentives.
• Opportunity to work with a disciplined and fast-growing financial institution.
• Structured training and professional development opportunities.

Location: Accra & Kasoa