Job Summary: The Credit Portfolio Officer is responsible for supporting the recovery and monitoring of assigned loan accounts under the guidance of the Credit Portfolio Coordinator. The role focuses on executing day-to-day collection activities, client follow-ups, data capture, and basic reporting to ensure timely repayments while maintaining professional customer relationships.

Key Duties and Responsibilities:

Collections Support (Salaried and Non Salaried Portfolios)

Conduct routine follow ups on assigned accounts through phone calls, SMS, and emails as guided by the Credit Portfolio Coordinator.
Remind clients of upcoming, due, and overdue repayments in line with agreed schedules.
Follow up on Promise to Pay (PTP) commitments and promptly escalate unpaid promises.
Assist in tracking arrears movements and identifying delinquent accounts for escalation.

Field Support and Verification

Participate in field visits and vote visits as assigned by the Credit Portfolio Coordinator.
Assist in basic reconciliation exercises on unpaid deductions and missing payroll entries.
Collect and verify supporting information from employers, clients, or votes where required.

Client Engagement and Service

Engage clients in a professional, respectful, and firm manner to encourage voluntary repayments.
Respond to basic client inquiries on balances, payment dates, and repayment processes.
Refer disputes, restructuring requests, and complex complaints to the Credit Portfolio Coordinator.

Documentation and Record Keeping

Accurately capture all client interactions in the loan management system.
Maintain proper records of calls made, messages sent, payments received and follow ups required.
Support documentation required for arrears management, restructurings, or escalations.

Reporting and Administration

Prepare and submit daily and weekly activity summaries to the Credit Portfolio Coordinator.
Assist with preparation of portfolio reports, aging summaries, and collection trackers.
Follow up with Receipting or Finance to confirm payment allocations where discrepancies arise.

Compliance and Conduct

Adhere strictly to credit policies, recovery procedures, and regulatory guidelines.
Always maintain confidentiality of client information.
Escalate suspected fraud, misrepresentation, or misconduct in line with policy.

Collections Support (Salaried and Non Salaried Portfolios)

Conduct routine follow ups on assigned accounts through phone calls, SMS, and emails as guided by the Credit Portfolio Coordinator.
Remind clients of upcoming, due, and overdue repayments in line with agreed schedules.
Follow up on Promise to Pay (PTP) commitments and promptly escalate unpaid promises.
Assist in tracking arrears movements and identifying delinquent accounts for escalation.

Field Support and Verification

Participate in field visits and vote visits as assigned by the Credit Portfolio Coordinator.
Assist in basic reconciliation exercises on unpaid deductions and missing payroll entries.
Collect and verify supporting information from employers, clients, or votes where required.

Client Engagement and Service

Engage clients in a professional, respectful, and firm manner to encourage voluntary repayments.
Respond to basic client inquiries on balances, payment dates, and repayment processes.
Refer disputes, restructuring requests, and complex complaints to the Credit Portfolio Coordinator.

Documentation and Record Keeping

Accurately capture all client interactions in the loan management system.
Maintain proper records of calls made, messages sent, payments received and follow ups required.
Support documentation required for arrears management, restructurings, or escalations.

Reporting and Administration

Prepare and submit daily and weekly activity summaries to the Credit Portfolio Coordinator.
Assist with preparation of portfolio reports, aging summaries, and collection trackers.
Follow up with Receipting or Finance to confirm payment allocations where discrepancies arise.

Compliance and Conduct

Adhere strictly to credit policies, recovery procedures, and regulatory guidelines.
Always maintain confidentiality of client information.
Escalate suspected fraud, misrepresentation, or misconduct in line with policy.

Collections Support (Salaried and Non Salaried Portfolios)

Conduct routine follow ups on assigned accounts through phone calls, SMS, and emails as guided by the Credit Portfolio Coordinator.
Remind clients of upcoming, due, and overdue repayments in line with agreed schedules.
Follow up on Promise to Pay (PTP) commitments and promptly escalate unpaid promises.
Assist in tracking arrears movements and identifying delinquent accounts for escalation.

Field Support and Verification

Participate in field visits and vote visits as assigned by the Credit Portfolio Coordinator.
Assist in basic reconciliation exercises on unpaid deductions and missing payroll entries.
Collect and verify supporting information from employers, clients, or votes where required.

Client Engagement and Service

Engage clients in a professional, respectful, and firm manner to encourage voluntary repayments.
Respond to basic client inquiries on balances, payment dates, and repayment processes.
Refer disputes, restructuring requests, and complex complaints to the Credit Portfolio Coordinator.

Documentation and Record Keeping

Accurately capture all client interactions in the loan management system.
Maintain proper records of calls made, messages sent, payments received and follow ups required.
Support documentation required for arrears management, restructurings, or escalations.

Reporting and Administration

Prepare and submit daily and weekly activity summaries to the Credit Portfolio Coordinator.
Assist with preparation of portfolio reports, aging summaries, and collection trackers.
Follow up with Receipting or Finance to confirm payment allocations where discrepancies arise.

Compliance and Conduct

Adhere strictly to credit policies, recovery procedures, and regulatory guidelines.
Always maintain confidentiality of client information.
Escalate suspected fraud, misrepresentation, or misconduct in line with policy.

Collections Support (Salaried and Non Salaried Portfolios)

Conduct routine follow ups on assigned accounts through phone calls, SMS, and emails as guided by the Credit Portfolio Coordinator.
Remind clients of upcoming, due, and overdue repayments in line with agreed schedules.
Follow up on Promise to Pay (PTP) commitments and promptly escalate unpaid promises.
Assist in tracking arrears movements and identifying delinquent accounts for escalation.

Field Support and Verification

Participate in field visits and vote visits as assigned by the Credit Portfolio Coordinator.
Assist in basic reconciliation exercises on unpaid deductions and missing payroll entries.
Collect and verify supporting information from employers, clients, or votes where required.

Client Engagement and Service

Engage clients in a professional, respectful, and firm manner to encourage voluntary repayments.
Respond to basic client inquiries on balances, payment dates, and repayment processes.
Refer disputes, restructuring requests, and complex complaints to the Credit Portfolio Coordinator.

Documentation and Record Keeping

Accurately capture all client interactions in the loan management system.
Maintain proper records of calls made, messages sent, payments received and follow ups required.
Support documentation required for arrears management, restructurings, or escalations.

Reporting and Administration

Prepare and submit daily and weekly activity summaries to the Credit Portfolio Coordinator.
Assist with preparation of portfolio reports, aging summaries, and collection trackers.
Follow up with Receipting or Finance to confirm payment allocations where discrepancies arise.

Compliance and Conduct

Adhere strictly to credit policies, recovery procedures, and regulatory guidelines.
Always maintain confidentiality of client information.
Escalate suspected fraud, misrepresentation, or misconduct in line with policy.

Qualifications, Skills and Experience:

Bachelor’s degree in business administration, Finance, Accounting, Economics, or a related discipline
Minimum 1 year experience in credit operations, collections, customer service, or sales in a financial institution (Essential)
Exposure to salaried and/or informal sector clients (Desirable)
Basic field collections experience is an added advantage

How to Apply:

All suitably qualified and interested candidates should send their applications to: This vacancy has closed — applications are no longer acceptedApplications closedSee open jobs at Bayport Financial Services Uganda Ltd →

The Human Resource Manager, Bayport Financial Services (Uganda) Limited,

Plot 4, Trust Towers, Kyadondo Road, Kampala

Box 1171, Kampala, Uganda

NB: Only shortlisted applicants will be contacted, and any form of Canvassing will lead to disqualification.

Please share your application letter, cv and academic documents in a single PDF

Deadline: 8th May 2026

NB: Only shortlisted candidates will be contacted.

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