Field Loans Officer

Overview

The Field Loans Officer at Mama Talents Limited is responsible for expanding and managing the loan portfolio at the Nateete Branch, Kampala. This position focuses on customer acquisition, loan processing, portfolio monitoring, and repayment follow-up through extensive field-based activities. Success hinges on meeting performance targets, ensuring customer satisfaction, and adhering to internal and external compliance standards.

Key Duties and Responsibilities

• Drive business development by identifying, recruiting, and onboarding clients for various loan products such as Car Logbook Loans, Land Title Loans, and Vehicle Tax Financing.
• Promote loan offerings via field visits, partnerships, community engagement, and organized marketing initiatives including campaigns and roadshows.
• Map assigned areas to identify promising marketing spots and capitalize on customer acquisition opportunities.
• Build and nurture long-term relationships with customers by clearly communicating product details, eligibility criteria, and repayment terms while providing excellent service before, during, and after disbursement.
• Support customers through the entire loan process, from inquiry to disbursement, ensuring documentation is collected, verified, and managed accurately.
• Conduct field verification of customers, their incomes, and collateral, and monitor their loan portfolio to detect early repayment issues, escalating concerns as necessary.
• Maintain detailed and accurate records, reports, and loan files while complying with data protection and confidentiality standards.
• Adhere strictly to company policies, regulatory requirements including KYC and AML, and ethical standards in all activities.
• Meet monthly targets related to customer acquisition, sales, and loan disbursement while maintaining the quality of the loan portfolio.
• Engage actively in company meetings, training, and marketing efforts and carry out additional duties as assigned by management.

Qualifications and Experience

• Diploma or Bachelor's Degree in Business Administration, Finance, Marketing, Economics, Accounting, or a related discipline.
• Preferred experience of at least one year in sales, credit, microfinance, banking, or financial services; fresh graduates with strong sales capabilities and customer service focus are welcome.

Skills and Competencies

• Strong abilities in sales, lead generation, persuasion, and negotiation.
• Excellent communication and interpersonal skills, with a professional presentation style.
• Customer-oriented mindset focused on building trust and satisfying client needs.
• Capability to independently organize and implement field activities with minimal supervision.
• Analytical mindset with sound skills in verification, problem-solving, and decision support.
• Proficient in report writing, record maintenance, and time management.
• Ability to perform under pressure and consistently meet deadlines and targets.
• High integrity, confidentiality, accountability, and professionalism standards.
• Competent in Microsoft Office and capable of using company information systems.
• Willingness to travel regularly within designated territories; possession of a valid driving or riding license is advantageous.

Performance Indicators

• Number of new customers successfully onboarded.
• Volume and value of loans approved and disbursed.
• Achievement of monthly acquisition and loan disbursement goals.
• Portfolio quality measured through repayment rates and customer retention.
• Timeliness and accuracy of reports covering sales and field activities.
• Compliance with documentation standards and regulatory policies.

Working Conditions

• Predominantly fieldwork requiring frequent travel within the assigned area for client meetings, verifications, and follow-ups.
• Performance-driven role with set monthly targets related to sales and portfolio quality.
• Occasional need for weekend or extended hours during peak marketing and customer engagement periods.