Assistant Supervisor – Credit And Savings Job Opportunity – Kray Microfinance Limited

Job Title: Assistant Supervisor – Credit And Savings

Organisation: Kray Microfinance Limited

Duty Station:  Kampala, Uganda


About US:

Kray is a micro-finance institution established in 2012. We are licensed and regulated by Uganda Micro-finance Regulatory Authority. We offer loans, investment and other financial services.


Job Summary:   The Credit and savings Supervisor will be responsible for entire credit granting Kray; including the consistent application of credit policy, periodic credit monitoring and reviews of existing customers and the assessment of the creditworthiness of potential loan customers in accordance with KRAY Credit policies and procedures with the goal of optimizing the mix of both sales and bad debt losses.


Key Duties and Responsibilities:

  • Loan and savings client mobilization and business growth: leads credit and savings officers and sales staff to grow assets by supporting asset mobilization campaigns, liaising with credit and savings officers to meet potential loan and savings applicants, available loan types, or credit options that are available including the terms and conditions.
  • Portfolio quality Management: overseeing appraisal, documentation, approvals and disbursement of loans and in line with the company policy, managing the loan administration, monitoring, and recovery processes in compliance with loan standards of the institution.
  • Loan compliance: carry out day-to-day monitoring of client’s loan performance in line with agreed terms and conditions of the loan and per set credit policy and procedures at KRAY to guarantee a qualitative loan portfolio.
  • Credit reporting: undertakes reporting (day-to-day) on all client loan compliances, non-compliances, incidents arising out of bad loans, and trends in loan repayments as well as any feedback to support a qualitative portfolio for the institution. Preparation and submission of Consolidated loan recovery progress status and projected loan disbursement reports
  • Credit recovery support: co-owner with credit and savings officer for client loan application process at branch level and the subsequent decisions thereof. This includes; monitoring of client’s loan performance, adherence to KYC/AML procedures due to the client, loan collateral, and recovery procedures that may arise out of poor loan management processes. Chair the Branch Credit Recovery Committee (BCRC) meetings.
  • Team recruitment supervision: takes full responsibility for recruitment and guiding all direct reports, focusing on all aspects of sound people management e.g. Coaching, On-the-job training, Development, Performance Management, compliance to set standards, and Employee engagement.

Qualifications, Skills and Experience:

  • The ideal applicant must hold a Bachelor’s degree in Finance, Accounting, Or Business Administration. Certification in Credit Analysis is preferable
  • At Minimum Of Three (3) Years’ Experience In credit processes and management and at least one (1) in a supervisory role.
  • Extensive and in-depth knowledge of Credit Administration and Management in a Banking environment.
  • Possesses strong analytical skills, planning and organizing ability.
  • Has excellent business acumen.
  • Knowledge of the full MS Office suite
  • Females are encouraged to apply.


How to Apply:

All candidates should submit their application letters and updated CVs to the Managing Director via our email: and copy to

The CV should include your telephone contacts, contacts & email address of 3 referees.

Your email subject line should include your name & job applied for. Only shortlisted candidates will be contacted.


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