Credit and Portfolio Manager

Job description

Credit and Portfolio Manager

Location: Kitwe

Department: Credit & Risk

Reports To: Chief Operations Officer

Employment Type: Full-time

About FundIt Capital Solutions

FundIt Capital Solutions is a growing financial institution committed to empowering individuals and businesses through innovative and accessible financing solutions. We pride ourselves on responsible lending, operational excellence, and delivering sustainable value to our clients and stakeholders.

About the Role

We are seeking a results-driven and experienced Credit and Portfolio Manager to lead our credit operations and oversee the performance of our lending portfolio. The successful candidate will play a strategic role in maintaining portfolio quality, managing credit risk, and driving growth across multiple lending segments.

Key Responsibilities

·      Evaluate and approve credit applications based on sound financial analysis and risk assessment.

·      Develop and implement credit policies, procedures, and scoring models that support prudent lending practices.

·      Monitor portfolio performance across SME, retail, and corporate segments to identify risks and implement corrective measures.

·      Conduct stress testing and scenario analysis to evaluate portfolio resilience under varying economic conditions.

·      Prepare and present regular reports on portfolio quality, delinquency rates, and provisioning.

·      Lead, mentor, and develop the credit team to ensure high performance and compliance with internal controls.

·      Collaborate with relationship managers, finance, and strategy teams to align credit activities with business growth objectives.

·      Engage with external stakeholders including auditors, regulators, and rating agencies.

·      Drive innovation by supporting digital transformation initiatives in credit assessment and portfolio analytics.

Qualifications & Experience

·      Bachelor’s degree in Finance, Economics, Accounting, or a related field (Master’s degree is an added advantage).

·      Professional certification in credit analysis, risk management, or portfolio management preferred.

·      Minimum of 4 years’ experience in credit and portfolio management within a financial institution.

·      Strong analytical, strategic, and leadership skills.

·      Proficiency in financial modeling, credit scoring systems, and portfolio analytics tools.

·      Excellent communication, decision-making, and stakeholder management abilities.

Preferred Attributes

·      High integrity and sound judgment.

·      Ability to balance growth objectives with effective risk control.

·      Strong organizational and problem-solving capabilities.

·      Passion for innovation, efficiency, and continuous improvement.

Why Join FundIt Capital Solutions?

At FundIt, we believe in fostering growth for our clients, our team, and the communities we serve. This is an excellent opportunity to be part of a forward-thinking financial institution where your expertise will shape the future of responsible lending.

How to Apply

If you are ready to make an impact, send your CV and cover letter ONLY to jobs@fundit-zm.com by Friday 24th October 2025, with Credit and Portfolio Manager as the subject line.