LOAN OFFICER

Job description

LOAN OFFICER

Kitwe Office • Full-time • Office- and Field-based

ABOUT TANDIZA ZAMBIA FINANCE

Tandiza Zambia Finance Limited is a registered non-bank financial institution providing accessible credit and lending solutions to individuals, employee groups and small businesses across Zambia. Operating from our office in Kitwe, we are committed to responsible lending, strong client relationships and sound portfolio management. We are looking for a motivated and results-driven Loan Officer to grow and manage a quality loan book while delivering an excellent client experience.

ROLE PURPOSE

The Loan Officer is responsible for identifying and recruiting suitable clients, processing loan applications in line with company policy, and managing the resulting portfolio to maintain repayments and keep portfolio-at-risk within acceptable limits. The role combines office-based administration with active field work – marketing, client onboarding, loan monitoring and collections.

KEY RESPONSIBILITIES

·       Identify, recruit and onboard appropriate clients in line with Tandiza’s credit policies and procedures.

·       Follow up on loan requests and process loans in accordance with TZF procedures and policies.

·       Collect and recover disbursed loans, ensuring timely repayments.

·       Maintain a portfolio-at-risk (PAR) within acceptable company standards and apply sound delinquency management.

·       Train and educate clients on loan products, terms and obligations, and monitor the loan portfolio on an ongoing basis.

·       Prepare daily end-of-day reports and weekly activity planners using company calendar tools.

·       Identify and report any issues or risks that may affect the company.

·       Market and facilitate Memoranda of Understanding (MOUs) with employers and institutions for payroll-based lending (an added advantage).

MINIMUM QUALIFICATIONS & EXPERIENCE

·       Diploma in Banking and Finance, Marketing, Community Development, Business Administration or a related business field.

·       Full Grade 12 Certificate.

·       Minimum of two (2) years’ work experience in a microfinance institution and/or in marketing and MOU acquisition.

·       Strong communication and interpersonal skills.

·       Good planning and organisational skills.

·       Willingness to work extended hours when required.

KEY COMPETENCIES & SKILLS

·       Proficiency in Microsoft Office applications and comfortable communicating by email.

·       Strong marketing and negotiation skills.

·       Good delinquency and credit-recovery management skills (or a willingness to learn).

·       Quick learner, self-driven and results-oriented.

·       Experience in MOU signing is an added advantage.

WHAT WE OFFER

A competitive remuneration package commensurate with qualifications and experience, a supportive team environment, and the opportunity to build a career within a growing Zambian financial institution.

HOW TO APPLY

Interested candidates who meet the above requirements should submit a cover letter and an up-to-date Curriculum Vitae (CV), together with copies of relevant academic and professional certificates.

Send applications to: tandiza@tandizazambia.com

Closing date: 20^th November 2026

Please quote “Loan Officer – Kitwe” in the subject line. Only shortlisted candidates will be contacted. Tandiza Zambia Finance Limited is an equal-opportunity employer.