Credit Relationship Officer - Rwanda
CREDIT RELATIONSHIP OFFICER - RWANDA
Location: Kigali, Rwanda
Reports to: Assistant CTL
Responsible for: None
About Numida
There are 20 million micro and small businesses (MSBs) across Africa and traditional microfinance is failing them. Numida is here to fill that gap.
Numida is on a mission to build digital financial services that help small business owners across Africa achieve their dreams. We started by building the best working capital loan product in the market, available to financially excluded businesses. That means instead of borrowing from unregulated informal lenders or family or friends, business owners can apply via the Numida app in minutes, and receive capital within a day.
Since 2021 we've provided more than $100 million in working capital to 80,000 businesses in East Africa, and we are excited to do more to serve this $5 billion market. We are Uganda’s first and only YC-backed startup and are also backed by world class investors such as Serena Ventures, Onafriq, Breega, and 4Di Capital.
Find out more athttps://numida.com
Job purpose:
The individual will conduct due diligence on potential borrowers, analyze creditworthiness and ability to repay, and effectively manage her/his portfolio while ensuring compliance with Numida’s methodology and policies.
Responsibilities:
- Engage with loan applicants via phone to conduct due diligence interviews on all new loan applications and repeat loan applications requiring manual review
- Perform financial analysis of loan applicants and interact with loan applicants as necessary to better understand and validate their business activities and financial situation
- Make adequately supported recommendations to the Credit Committee for every loan application
- Collect loan repayments as they fall due, and follow Numida’s escalation process for delinquent borrowers
- Execute referral calls in order to generate new business
- Collaborate with the Product team and participate in various experiments that aim to improve the quality of Numida’s service and/or the efficiency of the CRO role
- Address inbound service inquiries (via phone and WhatsApp) and assist all Numida clients until full resolution of the issues, escalating to the correct department when necessary
- Conduct periodic field visits for monitoring and escalation of collections
- Ensure that the level of service provided to our customers is maintained to the standards set forth by the company
Credit Relationship Officer - Rwanda
- Resolve complaints in an effective, timely manner whilst maintaining the highest standards of professionalism
- Record complete, quality and honest information into our Customer Relationship Management (CRM) system to enable Numida to address customer issues effectively
- ● Be responsible for maintaining up to date knowledge of Numida’s product offering to ensure any information offered to clients is accurate and helpful
Profile:
- 1+ years of experience in a credit officer or related role
- Bachelor’s degree in Microfinance, Business Administration, Commerce, or related field from an accredited University
- Proficient in computer and mobile technology – you are experienced with Android apps and desktop productivity software like Google Drive, Google Sheets, Google Docs etc.
- Verbal and written fluency in both English and Kinyarwanda.
- Ability to provide customer care via chat using professional, concise, and slang-free English.
- Knowledge about and practical experience with the principles of great customer care, and superb phone etiquette
- Exceptional organizational skills and attention to detail
- Excellent interpersonal skills and high levels of empathy – you are patient enough to truly listen to and understand the needs and wants of Numida’s users, and can address their complaints with compassion
- Type 30+ words per minute (desired)
Key Performance Indicators
- Number of clients acquired
- Number of clients retained
- Loan amounts in disbursement
- Loan amounts collected
- Nil bad loans/writeoffs
Please express your interest in this opportunity by submitting to the link below before 15th April 2026;
https://forms.gle/kjd5rh4hphvDFzdx6