Fruit Micro Credit Banking Jobs in Ghana
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Fruit Micro Credit invites applications from suitably 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.
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Qualifications required & 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.
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