Senior Credit Officer – Smallholder Credit Fund

Job Opportunity: Senior Credit Officer

Smallholder Credit Fund Ltd (SCF), managed by PCP Uganda Ltd and capitalized by the Embassy of the Kingdom of the Netherlands, is seeking a qualified and experienced professional to join the team as a Senior Credit Officer.

The Smallholder Credit Fund provides medium-term lines of credit and working capital to Farmer Organisations, including SACCOs, Farmer Cooperatives, Agri-MSMEs and Agri-Fintechs, for onward lending to smallholder farmers in Uganda’s livestock and agri-food sectors.

Position: Senior Credit Officer
Reports to: Credit Manager
Duty Station: Kampala – In Charge of Western Region
Contract: 2-year contract, renewable.

Job Summary

The Senior Credit Officer will be responsible for driving portfolio growth by evaluating, underwriting and monitoring credit facilities for Farmer Organisations. The role will also support business development, maintain portfolio quality and contribute to sustainable agricultural investments for smallholder farmers.

Key Responsibilities

Conduct due diligence and financial, business and risk analysis of prospective Farmer Organisations.
Monitor SACCOs and cooperatives within the portfolio.
Review disbursement requests before approval by the Credit Manager.
Provide portfolio analysis and periodic reports.
Develop and maintain relationships with internal and external stakeholders.
Provide technical assistance to clients.
Prepare financial and social-impact performance reports.
Monitor repayments and compliance with financing covenants.

Qualifications and Experience

Applicants should have:

A Bachelor’s degree in Banking, Finance, Agricultural Economics, Business Administration or a related field.
At least 5 years of experience in agricultural finance, credit risk and market analysis.
At least 3 years of direct portfolio management experience involving Farmer Cooperatives and SACCOs in Uganda.
Strong financial modelling, cash-flow forecasting and risk-analysis skills.
Good knowledge of Uganda’s agricultural value chains, microfinance regulatory environment and cooperative governance.
Strong analytical, report-writing and interpersonal skills.
Willingness to travel frequently to rural areas.
Fluency in written and spoken English. Knowledge of Runyankole is an added advantage.