Job Title: Credit Manager
Organization: Rapidlink Microfinance
Location: Accra, Ghana
Employment Type: Full-Time
Application Deadline: 20 May 2026

Company Profile

Rapidlink Microfinance is a fast-growing financial institution committed to expanding access to responsible credit for individuals and small businesses. The company focuses on financial inclusion, strong portfolio performance, and sustainable lending practices that empower clients and strengthen communities.

Position Overview

Rapidlink Microfinance seeks a highly skilled and results-driven Credit Manager to lead and strengthen its credit operations. The successful candidate will oversee loan portfolio performance, enforce credit policies, manage risk, and lead a team of loan officers. This role requires strong analytical capability, leadership skills, and deep expertise in microfinance credit operations.

Key Responsibilities

Loan Portfolio Management & Growth

• Maintain portfolio quality within institutional targets
• Achieve monthly and quarterly loan disbursement targets
• Manage portfolio diversification across lending methodologies
• Optimize loan mix to balance risk exposure, outreach, and profitability

Credit Methodology & Policy Implementation

• Enforce strict adherence to lending methodologies and credit policies
• Define and manage loan approval authority limits within the credit hierarchy
• Ensure loan pricing and interest rates align with risk profiles and cost of funds

Field-Based Credit Analysis & Underwriting

• Supervise loan officers in applying the 5Cs of Credit (Character, Capacity, Capital, Collateral, Conditions) for informal sector clients
• Review and approve loan applications within delegated authority
• Conduct spot checks on client appraisals to ensure accuracy and quality
• Assess client cash flow and repayment capacity where formal financial statements are unavailable

Collections, Delinquency Management & Recovery

• Implement strict early delinquency management protocols, including timely follow-ups and field visits
• Oversee write-off processes in compliance with internal policy and accounting standards
• Coordinate recovery efforts with internal teams and external agencies where required
• Manage collateral liquidation processes in line with legal and institutional requirements

Team Leadership & Capacity Building

• Supervise, mentor, and evaluate loan officers and credit staff
• Monitor staff productivity and performance against targets
• Deliver training on credit assessment, cash flow analysis, ethics, and over-indebtedness prevention
• Implement fraud detection and prevention measures

Risk Management, Compliance & Internal Controls

• Ensure proper collateral management, including valuation, documentation, custody, and insurance
• Enforce compliance with KYC and AML regulations
• Serve as the key liaison during internal and external audits
• Justify provisioning levels and explain portfolio performance trends
• Escalate credit policy exceptions and ensure proper approvals

Qualifications and Requirements

• Bachelor’s degree in Finance, Accounting, Business Administration, or related field
• 2–3 years of relevant experience in credit, lending, or microfinance operations
• Strong understanding of loan portfolio management and credit risk principles
• Proven experience in field-based credit analysis and underwriting
• Strong leadership and team management skills
• Knowledge of KYC, AML, and regulatory compliance standards
• Excellent analytical, decision-making, and problem-solving abilities
• Ability to work under pressure and meet performance targets

How to Apply

Click the “APPLY FOR THIS JOB” button below to submit your application.