Job Title: Credit Officer
Organisation: SunCulture
Duty Station: Kampala, Uganda
About Organisation:
Founded in 2012, SunCulture’s vision is to build a world where people take control of their environment in rewarding and sustainable ways. SunCulture does this by developing and commercializing life-changing technology that solves the biggest daily challenges for the world’s 570 million smallholder farming households. Over the last 5 years, the company has grown significantly and now employs 100+ people around the world..
Job Summary: The Credit Officer is responsible for end-to-end credit process, filed assessments, collections and debt recovery activities both remotely (call center-based) and in the field. This role ensures timely repayment of customer accounts, minimizes bad debt, and maintains positive customer relationships through effective communication, negotiation, and problem resolution. The Credit Officer will work closely with cross-functional teams to prevent delinquency, manage overdue accounts, and ensure compliance with credit and collections policies.
Key Duties and Responsibilities:
- Conduct on ground credit assessments for new customers by either physically visiting the prospective customer or a thorough phone due diligence
- Contact customers with overdue payments through calls, SMS, and field visits to negotiate repayment plans and recover outstanding balances.
- Visit customer homes or businesses to follow up on delinquent accounts, trace customers, verify information, and conduct on-site assessment
- Provide clear communication on account status, payment options, and consequences of non-payment.
- Handle customer inquiries, complaints, and disputes related to payments, or account discrepancies, ensuring timely resolution.
- Negotiate structured and realistic payment plans in alignment with company policies.
- Monitor adherence to agreed repayment schedules and conduct follow-ups on broken promises.
- Manage repossession processes when required, including identifying accounts eligible for recovery actions and coordinating with internal stakeholders.
- Escalate high-risk or non-responsive accounts for further action or legal review.
- Accurately update customer information, contact logs, payment commitments, visit summaries, and outcomes in the CRM or collections systems.
- Prepare routine reports on collections performance, arrears status, field activity, and key customer insights.
- Analyze delinquency patterns and recommend strategies to reduce default rates.
- Work closely with credit analysis, customer service, sales, and legal teams to address root causes of delinquency and implement corrective actions.
- Ensure all credit and collections activities comply with regulatory requirements, company policies, and data protection standards.
- Maintain professionalism, confidentiality, and high ethical standards during all customer interactions.
- Meet or exceed targets related to collections efficiency, call quality, recovery rates, customer satisfaction, and portfolio health.
- Carry out any other duties that may be assigned from time to time
Qualifications, Skills and Experience:
- Bachelor’s degree in Business Administration, Finance, or related field preferred.
- Minimum of 1-2 years of experience in collections, customer service, or field-based roles.
- Strong communication and negotiation skills, with the ability to handle difficult conversations and resolve conflicts.
- Ability to work independently and effectively manage time and resources in a field-based environment.
- Proficiency in MS Office suite and experience with mobile data collection tools and customer relationship management (CRM) systems.
- Knowledge of regulatory requirements governing collections activities in Uganda is a plus.
- Valid driver’s license and access to a reliable vehicle preferred.
How to Apply:
All suitably qualified and Interested applicants should apply online at the link below.
NB: Only shortlisted candidates will be contacted.
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Level of Education: bachelor degree
Work Hours: 8
Experience in Months: 12