Fruit Finance is recruiting Credit Officers to strengthen our operations at Mallam Junction. This is a performance-driven role requiring strong experience in credit assessment, loan recovery, and portfolio management. Successful candidates must enforce repayment discipline, control risk exposure, and maintain high portfolio quality.
Key Responsibilities
• Identify and recruit qualified micro and small business clients in line with company policy. • Conduct thorough client assessments, loan appraisals, and field investigations. • Mobilize, disburse, and ensure strict recovery of loans to maintain a Portfolio at Risk (PAR) not exceeding 5%. • Consistently chase delinquent and default clients to demand repayment in line with recovery procedures. • Submit accurate daily, weekly, and monthly reports on disbursement, arrears, and recovery status. • Deliver financial education and promote digital repayment solutions to reduce default risk.
Qualification Required & Experience
Requirements
• Minimum of 1 year proven experience in microfinance credit operations, with emphasis on loan recovery. • Diploma or Degree in Finance, Banking, Business Administration, or related field. • Strong analytical, negotiation, and field collection skills. • Demonstrated ability to control delinquency and maintain portfolio quality. • Ability to work under pressure and deliver on recovery targets. • Riding or driving experience is an added advantage.
Why Join Us?
• Competitive compensation with recovery-based incentives. • Opportunity to work with a disciplined and fast-growing financial institution. • Structured training and professional development opportunities.
Location: Accra

Qualified candidates should submit their CV and Cover Letter to:

Closing Date: 24 October, 2025
Only shortlisted candidates will be contacted.