Q-Sourcing Limited trading as Q-Sourcing Servtec is a manpower management solutions firm operating in the East African Region in the countries of Uganda, Kenya, Tanzania, Rwanda, and South Sudan.

On behalf of our client GOLDMINE FINANCE, we are looking for a competent, skilled, and experienced MANAGER CREDIT AND OPERATIONS to work in Kampala.

Department: Credit and Operations

Location: Kampala, Uganda

Reports to: Managing Director

Supervises: Deputy Manager Credit and Operations, Relationship Managers Other Regular

Job Summary

Oversees the day-to-day credit and operations department processes at Goldmine Finance and is accountable for delivering the department’s disbursement targets while keeping the loan portfolio healthy (Portfolio at Risk within approved limits).

Main Duties and Responsibilities

Business growth and client acquisition

• Lead the search for prospective clients and develop plans to increase business as per insights from the credit team’s competitor analysis reports.
• Drive client retention and repeat lending through structured relationship management, regular client contacts and follow-up on maturing and fully repaid loans.
• Provide leadership in the origination and growth of the logbook financing portfolio.

Targets and portfolio quality

• Deliver the monthly and annual disbursement targets set by Goldmine for the Credit and Operations department, and for each Relationship Manager, and track progress against them weekly.
• Keep Portfolio at Risk (PAR) at or below the targets set by Goldmine.
• Review the register and checklist of loan applications and their status, including all outstanding debt retrieval activity.
• Handle disputed debt amounts and negotiate to bring payment within the agreed terms.

Credit decisions, pricing and compliance

• Calculate and propose interest rates for all products.
• Provide guidance on loan application due diligence processes in liaison with the legal department.
• Provide oversight over approval or rejection of loan requests, based on credibility, potential revenues and losses.
• Review credit reports prepared by Relationship Managers to ascertain and make decisions on credit positions of various clients.
• Ensure that all loan/credit transactions are compliant with Company policies.

Reporting

• Prepare and present periodic reports to the Managing Director on disbursements against target, PAR, arrears, recoveries and pipeline.

People leadership and mentorship

• Mentor and coach the Deputy Manager and Relationship Managers on selling, credit appraisal, client relationship management and portfolio follow-up.
• In liaison with the Human Resource Manager, provide the right environment to ensure all credit staff are fully productive and recommend strategies for performance improvement.
• Conduct performance appraisal for the credit team.
• Any other duties as may be allocated by your supervisor.

Education

• Bachelor’s degree in economics, Banking and Finance or a relevant field.

Knowledge and Experience

• 3-5 years’ experience working in a sales environment, preferably in a financial institution.
• 3–5 years’ hands-on experience or expertise in LOGBOOK FINANCING, including valuation, perfection of security and recovery.
• Proven track record of meeting disbursement targets while keeping PAR within set limits.
• Experience working in a fast-paced environment.

Skills

• Mentorship and coaching of sales and credit teams.
• Selling and negotiation.
• Reporting: accurate, timely and insight-driven management reports.
• Relationship management.
• Client retention and client acquisition.
• Advanced proficiency in MS Excel, PowerPoint and Word.
• Exceptional presentation skills and clear communication skills.

Required Attributes

Dynamic | Agile | Curious learner | Analytical productive and recommend strategies for performance improvement.

• Conduct performance appraisal for the credit team.
• Any other duties as may be allocated by your supervisor.

• Lead the search for prospective clients and develop plans to increase business as per insights from the credit team’s competitor analysis reports.
• Drive client retention and repeat lending through structured relationship management, regular client contacts and follow-up on maturing and fully repaid loans.
• Provide leadership in the origination and growth of the logbook financing portfolio.
• Deliver the monthly and annual disbursement targets set by Goldmine for the Credit and Operations department, and for each Relationship Manager, and track progress against them weekly.
• Keep Portfolio at Risk (PAR) at or below the targets set by Goldmine.
• Review the register and checklist of loan applications and their status, including all outstanding debt retrieval activity.
• Handle disputed debt amounts and negotiate to bring payment within the agreed terms.
• Calculate and propose interest rates for all products.
• Provide guidance on loan application due diligence processes in liaison with the legal department.
• Provide oversight over approval or rejection of loan requests, based on credibility, potential revenues and losses.
• Review credit reports prepared by Relationship Managers to ascertain and make decisions on credit positions of various clients.
• Ensure that all loan/credit transactions are compliant with Company policies.
• Prepare and present periodic reports to the Managing Director on disbursements against target, PAR, arrears, recoveries and pipeline.
• Mentor and coach the Deputy Manager and Relationship Managers on selling, credit appraisal, client relationship management and portfolio follow-up.
• In liaison with the Human Resource Manager, provide the right environment to ensure all credit staff are fully productive and recommend strategies for performance improvement.
• Conduct performance appraisal for the credit team.
• Any other duties as may be allocated by your supervisor.

• Mentorship and coaching of sales and credit teams.
• Selling and negotiation.
• Reporting: accurate, timely and insight-driven management reports.
• Relationship management.
• Client retention and client acquisition.
• Advanced proficiency in MS Excel, PowerPoint and Word.
• Exceptional presentation skills and clear communication skills.

• Bachelor’s degree in economics, Banking and Finance or a relevant field.
• Proven track record of meeting disbursement targets while keeping PAR within set limits.
• Dynamic | Agile | Curious learner | Analytical