About this role

About This Job:

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.

Job title: Manager
Credit and Operations

Department: Credit
and Operations

Location: Kampala,
Uganda

Reports to: Managing
Director

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

Relationships: Senior
Legal Officer, Legal Officer

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.