Portfolio Manager

Job description

Job Title: Portfolio Manager

Role Overview: Spectrum Credit Limited is looking for driven and experienced Portfolio Managers to join our growing Civil Servants Product team! As a Portfolio Manager, you will oversee the financial health, growth, and quality of a loan portfolio, monitoring collection rates and mitigating credit risk for the portfolio assigned. The ideal candidate must be capable of managing a client base of 150–250 clients, with the drive and ambition to grow aggressively to 500 clients while maintaining portfolio quality and minimizing default risk.

Location/ Branches: Petauke and Chipata

Key Responsibilities:

• Manage new client onboarding through the official digital client onboarding channel.
• Provide excellent customer service to clients, attending to their financial needs timely.
• Monitor the performance of the loan portfolio against key performance indicators (KPIs) such as Portfolio at Risk (PAR), and targets.
• Actively engage existing, high-quality clients to achieve refinancing, ensuring long-term portfolio stability.
• Proactively scout and onboard new high-potential loan clients per month and expand the current portfolio.
• Manage and follow up on USSD-based inquiries, successfully converting leads into active loan applicants.
• Secure and process new clients each month to meet aggressive organizational monthly disbursement targets.
• Build strong client relationships, conduct regular follow‑ups, and promote repeat business and referrals
• Ensure all lending activities comply with lending policies & regulations, local financial laws, anti-money laundering (AML) protocols, and “Know Your Customer” (KYC) standards.

Requirements:

• Must be a Petauke or Chipata resident
• Diploma or better in Sales, Finance, Economics, Business Administration, or a related field.
• Minimum 2 years’ experience in microfinance, insurance, or other relevant industries
• Customer service excellence
• Proven track record in sales generation and portfolio management.
• Upholds confidentiality, demonstrates integrity, reliability, and respect in all interactions.
• Self-Motivation, Proactive, results-driven, and able to manage portfolios independently with accountability for targets.
• Dedicated to continuous learning, improving skills, and advance within the organization.
• Skilled at interpreting complex financial data and translating it into actionable strategies that drive sustainable impact.

How to Apply

If you are passionate about the role and driving business success, we’d love to hear from you!

1.   Attach your CV, Professional and Academic qualifications, copy of NRC as one file

2.   The file name should follow this format: Name_Position_Location

3.   Send to jobs@spectrumcreditltd.com

ENSURE YOU CLEARLY STATE THE JOB TITLE AND BRANCH YOU APPLYING FOR IN THE SUBJECT LINE.

Application deadline: 5th August 2026

ONLY SHORTLISTED

CANDIDATES WILL BE CONTACTED FOR AN INTERVIEW.