Job Title: Digital Lending Assurance and Control Manager
Organisation: Equity Bank Uganda
Duty Station: Kampala, Uganda
Job Ref: Credit Origination/11/2025/01
About Organisation:
Equity Bank Uganda Limited is one of the region’s leading banks whose purpose IS to transform the lives and livelihoods of the people of Africa socially and economically by availing them modern, inclusive financial services that maximize their opportunities. With a strong footprint in Uganda, Kenya, Tanzania, Rwanda, Southern Sudan and DR Congo, Equity Bank is now home to more than 12 million customers, the largest customer base in the Eastern African Region.
Job Summary: The job holder is responsible for ensuring the integrity, compliance, and operational efficiency of digital lending processes within the credit origination lifecycle. The role focuses on monitoring, validating, and improving digital loan origination systems, workflows, and controls to mitigate risk, enhance customer experience, and ensure adherence to regulatory and internal standards.
Key Duties and Responsibilities:
- Validate end-to-end digital loan origination processes for accuracy, completeness, and compliance with regulatory requirements (KYC, AML, data privacy).
- Conduct periodic audits and quality checks on digital lending workflows and documentation
- Identify gaps, risks, and control weaknesses in digital origination systems.
- Recommend and implement corrective actions to minimize operational and credit risk.
- Monitor loan origination system performance and ensure seamless integration with core banking platforms.
- Collaborate with IT and product teams to resolve system issues and enhance automation.
- Review flagged applications for potential fraud or irregularities.
- Work with fraud prevention teams to strengthen digital lending security protocols.
- Ensure compliance with local banking regulations, internal credit policies, and digital lending standards.
- Maintain up-to-date knowledge of regulatory changes impacting digital lending.
- Prepare assurance reports highlighting process gaps, compliance breaches, and improvement opportunities.
- Track KPIs related to origination accuracy, turnaround time, and error rates.
- Liaise with branches to monitor performance of the digital loan portfolio and ensure the Portfolio-At-Risk (PAR) is maintained at acceptable levels as set by the Bank.
- Make use of existing technologies to maximize customer contact whilst minimizing cost per contact, review and propose new technologies as required.
- Ensure compliance with all credit policies and procedures.
- Track and analyze the performance of the digital lending portfolio, including delinquency trends, NPL ratios, and early warning indicators.
- Prepare assurance and portfolio monitoring reports highlighting process gaps, compliance breaches, and improvement opportunities.
- Track KPIs related to origination accuracy, turnaround time, error rates, and portfolio risk metrics.
- Monitor credit quality and risk concentration across segments, products, and channels.
- Provide insights on portfolio health to support proactive risk management and decision making.
- Develop dashboards and reports for senior management on portfolio performance and assurance findings
Qualifications, Skills and Experience:
- Bachelor’s degree in Business related courses
- MBA will be an added advantage
Skills
- Technical knowledge in Loan Origination Systems, portfolio analytics tools, and regulatory compliance frameworks.
- Excellent Data analysis and Microsoft PowerPoint and Excel skills.
- Critical Thinking and Problem solving
- High level of attention to detail and interpersonal skills
- Excellent written, oral communication skills, negotiation Skills and stakeholder management
- Take ownership for the work assigned and have good follow through skills.
- Ability to consistently deliver accurate results on-time and hold others accountable.
- Demonstrate ability to work in an ambiguous and fast paced environment.
- Ability to successfully engage in multiple initiatives and manage multiple priorities.
- Exceptional eye for details
- Strong analytical and problem-solving skills.
- Knowledge of KYC/CIP, AML, lending regulations, and portfolio risk metrics.
- Ability to interpret data and provide actionable insights
Experience
- 5 years relevant work experience with a focus on credit origination, digital lending operations, risk assurance, or portfolio monitoring.
How to Apply:
If you believe you can clearly demonstrate your abilities to meet the criteria given above, please submit your job application cover letter along with a detailed resume, copies of the relevant certificates and testimonials in a single PDF file format, quoting the respective Job title or Ref no. in the subject field to
Deadline: 25th November 2025
Note:
- Only shortlisted candidates will be contacted.
- Equity Bank is an equal opportunity employer. We value the diversity of individuals, ideas, perspectives, insights and values, and what they bring to the workplace.
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Level of Education: bachelor degree
Work Hours: 8
Experience in Months: 60