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Loans Operations Lead

GoCash Ltd
📍 LilongweCDI🗓️ 18 days ago

Job Description

Lilongwe
CDI

Your safety comes first — read before you go. Taf4All only lists job offers published by third parties. We are not the employer, we do not conduct these recruitments, and we cannot guarantee what happens once you make contact — you deal directly with the person or company behind the offer, at your own risk.

GoCash is a registered fintech company with the Reserve Bank of Malawi, providing accessible working capital to small-scale traders and entrepreneurs in Lilongwe. We are building a modern, technology-driven lending institution founded on sound governance and responsible lending. THE ROLE Reporting to the Chief Executive Officer, the Lending Operations Lead will be responsible for end-to-end lending operations, credit assessment, portfolio quality and supervision of field staff. Appraise and approve loan applications within delegated authority limits. Maintain portfolio quality and keep arrears within approved limits. Supervise, support and monitor the performance of field loan officers and agents. Follow up overdue accounts and manage the arrears escalation process. Classify arrears and compute loan loss provisions monthly. Ensure all lending complies with company policy and regulatory requirements. Prepare timely reports on portfolio performance, credit risks and operations for management and the Board. Support product development and lending process improvements. QUALIFICATIONS Minimum: Diploma in Finance, Accounting, Banking, Business Administration or a related field. A Bachelor’s degree in a related field will be an added advantage. A professional qualification in credit or microfinance management is an added advantage.

EXPERIENCE

Minimum of three (3) years’ practical experience in lending, microfinance, banking or credit management. Demonstrable experience managing a loan portfolio, with evidence of maintaining a low portfolio at risk. Practical experience in loan appraisal, disbursement processes and arrears management. Experience supervising and managing field teams will be an added advantage. Working knowledge of group lending methodology is an added advantage. Familiarity with Reserve Bank of Malawi microfinance regulations is an added advantage. THE REQUIREMENTS Computer literate and familiar with loan management systems. Fluent in Chichewa and English, both written and spoken. High personal integrity and prepared to decline applications that do not meet criteria. A valid driving licence is an added advantage.

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Your safety comes first — read before you go

Taf4All only lists job offers published by third parties. We are not the employer, we do not conduct these recruitments, and we cannot guarantee what happens once you make contact — you deal directly with the person or company behind the offer, at your own risk.

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