Job Vacancy – Credit Officer

DS Solar Zambia Limited is inviting applications from suitably qualified, professional and results-oriented candidates for the position of Credit Officer. The successful candidate will support the administration and management of the company’s Hire Purchase and credit portfolio, including customer assessment, documentation, approvals, account monitoring and recovery follow-up.

Key Responsibilities

• Receive, review and process customer Hire Purchase and credit applications.
• Verify customer identification, employment/business information, income and supporting documentation.
• Conduct affordability assessments and credit checks in accordance with company procedures.
• Prepare credit assessment recommendations for management approval.
• Ensure approved deposits, processing fees and other required payments are properly verified before product release.
• Prepare and maintain customer credit files, Hire Purchase agreements and repayment schedules.
• Maintain an accurate Hire Purchase/credit register and update customer account information.
• Monitor repayment schedules and identify overdue accounts promptly.
• Contact customers regarding upcoming and overdue payments professionally.
• Prepare daily, weekly and monthly reports on applications, approvals, collections, arrears and outstanding balances.
• Reconcile customer credit accounts with Accounts, Sales and other relevant departments.
• Escalate suspected fraud, altered documentation, payment discrepancies and high-risk applications.
• Maintain strict confidentiality of customer financial and personal information.
• Support lawful debt-recovery and arrears-management procedures.
• Ensure customers receive clear information on applicable fees, repayment obligations and Hire Purchase terms.
• Perform other credit-related duties assigned by management.

Qualifications & Key Requirements

Applicants should possess a Diploma in Business Administration, Banking & Finance, Accounting, Economics, Credit Management or a related field, with relevant experience in a credit, loans, microfinance, banking, Hire Purchase or similar position.

Candidates should have good understanding of credit assessment, affordability analysis, loan documentation, repayment monitoring and arrears management. Strong numerical and analytical ability, proficiency in Microsoft Excel and other Office applications, good written and verbal communication skills, attention to detail, confidentiality, integrity and the ability to work with minimal supervision are essential.

Experience working with consumer lending, Hire Purchase, microfinance, banking or credit-reference processes will be an added advantage.

How to Apply

Interested candidates should submit a CV and cover letter by email only to:

Email: hr@dssolarzambia.org

Important: Only applications submitted by email will be accepted.

DS SOLAR ZAMBIA LIMITED
Solar Energy For All
POWER ON. LIFE ON.

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BRANCH MANAGER

About Unifi

Boldly different. Fiercely human. Proudly African.

Unifi is redefining credit in Africa with simple, fast personal loans delivered through online, mobile and branch channels. We make life easy for our clients across Zambia, Kenya, Uganda, South Africa and Tanzania. Unifi has conviction in the African continent and its people, and our products enable our clients to achieve even more. As one of the fastest-growing lenders in Africa, we combine exceptional client service with the very best tech and data analytics.

Purpose of the Role

The Branch Manager reports to the Operations Assistant. You run the branch. You own the team, the targets and maintain and raise the client service making our clients’ life easy every day. You build a branch that performs consistently, treats clients with dignity, and solves problems quickly and simply. You are visible, hands-on, and close to the work.

Responsibilities

• Own branch performance by knowing your targets, and drive your team to hit them consistently.
• Lead, develop, and hold accountability for your team by setting clear standards, coach daily, and build people who are ready make our clients life easy.
• Support the team to deliver fast, clear and simple service.
• Approve loans in line with credit guidelines, accurately, efficiently, and with a clear understanding of what the client is signing up for.
• Own collections at branch level by up to date with overdue accounts, follow up with urgency, and work with clients to find solutions.
• Onboard and induct new team members, make sure they are ready before they face a client and supported while they find their feet.
• Run a clean and disciplined operation, maintain high standards in cash handling, compliance, credit processes, and branch administration.
• Resolve escalated client complaints with speed and dignity, own the outcome and see problems through to resolution.
• Report on branch performance with honesty and clarity, flag problems early.
• Identify what is not working and fix it, bring solutions and take action quickly.
• Build a branch people want to be part of, keep energy high, raise standards, and support a team that enjoys winning together.
• Make Unifi a place where people work hard, grow fast, and enjoy being part of the team.

Requirements

• Degree in Banking, Finance, Business Administration, Marketing, or a related commercial field is advantageous.
• 3–5 years’ experience in a customer-facing environment.
• At least 1 year of experience leading or supervising a team.
• Proven track record of hitting targets consistently.
• Good understanding of credit, lending processes, and basic financial concepts.
• Strong communicator, clear, direct, respectful, and calm when things get busy.
• Organised and disciplined, you follow the process properly, keep things accurate, and hold your team to the same standard.
• Fluent in English.
• Willing to work shifts, weekends, or rotational standbys where required.
• Hungry to grow, you question what is not working, take ownership, and bring strong energy and standards to your team every day.

How to Apply

Interested candidates should apply online through the Unifi application portal.

BRANCH MANAGER

About Unifi

Boldly different. Fiercely human. Proudly African.

Unifi is redefining credit in Africa with simple, fast personal loans delivered through online, mobile and branch channels. We make life easy for our clients across Zambia, Kenya, Uganda, Uganda, South Africa and Tanzania. Unifi has conviction in the African continent and its people, and our products enable our clients to achieve even more. As one of the fastest-growing lenders in Africa, we combine exceptional client service with the very best tech and data analytics.

Purpose of the Role

The Branch Manager reports to the Operations Assistant. You run the branch. You own the team, the targets and maintain and raise the client service making our clients’ life easy every day. You build a branch that performs consistently, treats clients with dignity, and solves problems quickly and simply. You are visible, hands-on, and close to the work.

Responsibilities

• Own branch performance by knowing your targets, and drive your team to hit them consistently.
• Lead, develop, and hold accountability for your team by setting clear standards, coach daily, and build people who are ready make our clients life easy.
• Support the team to deliver fast, clear and simple service.
• Approve loans in line with credit guidelines, accurately, efficiently, and with a clear understanding of what the client is signing up for.
• Own collections at branch level by up to date with overdue accounts, follow up with urgency, and work with clients to find solutions.
• Onboard and induct new team members, make sure they are ready before they face a client and supported while they find their feet.
• Run a clean and disciplined operation, maintain high standards in cash handling, compliance, credit processes, and branch administration.
• Resolve escalated client complaints with speed and dignity, own the outcome and see problems through to resolution.
• Report on branch performance with honesty and clarity, flag problems early.
• Identify what is not working and fix it, bring solutions and take action quickly.
• Build a branch people want to be part of, keep energy high, raise standards, and support a team that enjoys winning together.
• Make Unifi a place where people work hard, grow fast, and enjoy being part of the team.

Requirements

• Degree in Banking, Finance, Business Administration, Marketing, or a related commercial field is advantageous.
• 3–5 years’ experience in a customer-facing environment.
• At least 1 year of experience leading or supervising a team.
• Proven track record of hitting targets consistently.
• Good understanding of credit, lending processes, and basic financial concepts.
• Strong communicator, clear, direct, respectful, and calm when things get busy.
• Organised and disciplined, you follow the process properly, keep things accurate, and hold your team to the same standard.
• Fluent in English.
• Willing to work shifts, weekends, or rotational standbys where required.
• Hungry to grow, you question what is not working, take ownership, and bring strong energy and standards to your team every day.

How to Apply

Interested candidates should apply online through the Unifi application portal.