Credit Officer (Hybrid Role)

Company: Fruit Micro Credit
Location: Accra, Ghana
Employment Type: Full-Time (Hybrid)
Application Deadline: 30 June 2026

Company Profile

Fruit Micro Credit is a growing financial institution dedicated to providing accessible and responsible financial solutions to micro and small businesses. We are committed to empowering entrepreneurs, promoting financial inclusion, and supporting business growth through innovative credit services and strong customer relationships. We seek passionate professionals who are driven by performance, accountability, and customer success.

Position Summary

Fruit Micro Credit is seeking a proactive and results-oriented Credit Officer to manage client acquisition, loan appraisal, portfolio management, and loan recovery activities. The successful candidate will play a key role in maintaining portfolio quality, supporting business growth, and ensuring effective credit administration. This hybrid role requires a disciplined professional with strong field collection, relationship management, and analytical skills.

Key Responsibilities

• Identify, recruit, and onboard qualified micro and small business clients in line with company policies and credit guidelines.
• Conduct comprehensive client assessments, loan appraisals, credit evaluations, and field investigations.
• Mobilize, process, and facilitate loan disbursements while ensuring compliance with internal procedures.
• Manage loan recovery activities and maintain a Portfolio at Risk (PAR) of not more than 5%.
• Proactively follow up with delinquent and defaulting clients to secure timely repayments and minimize credit losses.
• Implement effective collection and recovery strategies in accordance with company policies.
• Prepare and submit accurate daily, weekly, and monthly reports on loan disbursements, arrears, recoveries, and portfolio performance.
• Deliver financial literacy and credit management education to clients.
• Promote digital repayment channels and encourage customers to adopt convenient payment solutions.
• Build and maintain strong relationships with clients to support portfolio growth and customer retention.
• Monitor portfolio performance and recommend corrective actions where necessary.

Required Qualifications and Experience

• Diploma or Bachelor’s Degree in Finance, Banking, Business Administration, Accounting, or a related field.
• Minimum of one (1) year proven experience in microfinance credit operations, with a strong focus on loan recovery and portfolio management.
• Demonstrated ability to manage delinquency and maintain portfolio quality targets.
• Strong analytical, negotiation, and field collection skills.
• Ability to work independently, manage competing priorities, and deliver recovery targets.
• Experience in customer relationship management within a financial services environment is an advantage.
• Riding or driving experience is an added advantage.

Core Competencies

• Credit analysis and loan appraisal
• Loan recovery and portfolio management
• Negotiation and conflict resolution
• Customer relationship management
• Financial literacy and client engagement
• Analytical and problem-solving skills
• Time management and organizational ability
• Accuracy, integrity, and attention to detail
• Strong communication and interpersonal skills

What We Offer

• Competitive compensation package.
• Attractive recovery-based incentive structure.
• Opportunity to work with a disciplined and fast-growing financial institution.
• Structured training and professional development opportunities.
• Supportive and performance-driven work environment.

How to Apply

Apply online by clicking on the application button.