Position: Credit Officer – Enveritas Pilot Project
Location: Manafwa District, Bugisu Region (field-based)
Reports to: Regional Manager / Credit Operations Supervisor
Start date: 2 November 2026
PURPOSE OF THE ROLE
The Credit Officer will lead Ensibuuko’s work under the Enveritas pilot in Manafwa. That means mobilising and training farmer groups on the VSLA model, onboarding them onto Ensibuuko’s digital platform, and managing all credit operations in the area for the one-year pilot.
KEY RESPONSIBILITIES
Group mobilisation and training
- Mobilise and train farmer groups on the VSLA model, covering savings, lending, share purchase, the social fund and group constitutions.
- Train the five pilot farmer groups on group governance, record keeping, financial literacy and use of the Ensibuuko app.
- Onboard groups and members onto the platform and check that member and transaction data are complete and accurate.
- Run refresher trainings and follow-up visits so groups keep using the app and follow good VSLA practice.
Credit operations
- Market Ensibuuko’s loan products to the farmer groups and explain loan terms clearly in Lumasaba.
- Assess group loan applications, run due diligence and recommend loans for approval in line with the ETL Credit Manual.
- Coordinate disbursements and make sure loan agreements and documentation are complete.
- Track repayments, follow up on arrears and keep Portfolio at Risk (PAR) within company targets.
- Keep borrower and group records up to date in the system.
Monitoring and reporting
- Make regular field visits to monitor group activity, loan use and repayment.
- Prepare weekly and monthly reports on mobilisation, training, disbursements, collections and PAR, and give pilot updates for Enveritas reporting.
- Document lessons, challenges and success stories from the pilot.
Stakeholder engagement
- Build relationships with local leaders, Enveritas field staff and other local partners.
- Represent Ensibuuko professionally in the community.
- Do any other duties assigned by the supervisor that fit the role.
QUALIFICATIONS
- Diploma or Bachelor’s degree in Business Administration, Finance, Accounting, Economics, Microfinance, Agribusiness, Development Studies or a related field.
- Fluent in Lumasaba (Lugisu), spoken and written. This is mandatory. Good spoken and written English is also required.
- Comfortable with smartphones and digital applications; basic Excel skills.
- A valid motorcycle riding permit is an added advantage
EXPERIENCE
- Proven experience mobilising and training community or farmer groups on the VSLA model.
- Experience managing a loan portfolio, including appraisal, disbursement, collections and arrears management.
- Experience with digital financial services or mobile-based platforms is an added advantage.
- Experience working with smallholder farmers or in agricultural value chains, such as coffee in the Bugisu region, is an advantage.
- Experience in credit is an added advantage
KEY ATTRIBUTES
- Lives in or is willing to live in Manafwa or a nearby district; good knowledge of the Bugisu area preferred.
- High integrity and strong interpersonal and communication skills.
- Self-driven and able to work on their own with little supervision.
- Results-oriented, with good organisation and reporting skills.
Send your application and CV to: hr@ensibuuko.com