LOANS OPERATIONS LEAD

Job description

OVERVIEWGoCash Ltd is a registered fintech company with the Reserve Bank of Malawi, providing accessible working capital to small-scale traders and entrepreneurs in Lilongwe. The company is building a modern, technology-driven lending institution founded on sound governance and responsible lending.GoCash Ltd invites applications from suitably qualified and experienced candidates for the position of Loans Operations Lead.REPORTS TO: Chief Executive OfficerJOB TYPE: Full TimeDate Posted: Tuesday, 20th October, 2026Application Deadline: Friday, 30th October, 2026POSITION: LOANS OPERATIONS LEADJOB SUMMARYThe Loans Operations Lead will oversee end-to-end lending operations, credit assessment, loan portfolio quality, and the supervision of field staff. The successful candidate will ensure responsible lending, effective loan appraisal, timely arrears management, regulatory compliance, and accurate reporting on portfolio performance.The role will also support lending product development, improve operational processes, and help maintain a healthy loan portfolio.KEY REQUIREMENTSAcademic, Professional Qualifications and ExperienceApplicants must meet the following requirements:Hold a minimum of a Diploma in Finance, Accounting, Banking, Business Administration, or a related field.Have at least three (3) years of practical experience in lending, microfinance, banking, or credit management.Demonstrate experience managing a loan portfolio, with evidence of maintaining a low portfolio at risk.Have practical experience in loan appraisal, disbursement processes, and arrears management.ADDED ADVANTAGEA Bachelor's degree in a related field.A professional qualification in credit or microfinance management.Experience supervising and managing field teams.Working knowledge of group lending methodology.Familiarity with Reserve Bank of Malawi microfinance regulations.PERSONAL SPECIFICATIONThe ideal candidate should demonstrate:Computer literacy and familiarity with loan management systems.Fluency in both written and spoken Chichewa and English.High personal integrity and commitment to responsible lending.Ability to make sound credit decisions and decline applications that do not meet lending criteria.Strong leadership, communication, and team-supervision skills.Good analytical, organisational, and problem-solving abilities.A valid driving licence is an added advantage.DUTIES AND KEY RESPONSIBILITIES1. Loan Appraisal and Credit AssessmentAppraise and approve loan applications within delegated authority limits.Ensure loan applications are assessed against approved credit criteria and company policies.Support responsible lending decisions and maintain appropriate credit standards.Oversee loan disbursement processes and ensure compliance with established procedures.2. Loan Portfolio Quality and Arrears ManagementMaintain portfolio quality and keep arrears within approved limits.Follow up overdue accounts and manage the arrears escalation process.Classify arrears and calculate monthly loan loss provisions.Monitor portfolio performance and identify emerging credit risks.Ensure appropriate follow-up actions are taken to manage overdue loans and reduce portfolio risk.3. Field Staff SupervisionSupervise, support, and monitor the performance of field loan officers and agents.Provide guidance to field teams to ensure effective loan operations and compliance with lending procedures.Monitor staff performance and support improvements in productivity and service delivery.Promote accountability and responsible lending practices among field personnel.4. Reporting and Regulatory CompliancePrepare timely reports on portfolio performance, credit risks, and lending operations for management and the Board.Ensure all lending activities comply with company policies and applicable regulatory requirements.Maintain accurate loan portfolio information and support effective monitoring and decision-making.Apply appropriate controls throughout the lending process.5. Product Development and Process ImprovementSupport lending product development to meet the needs of small-scale traders and entrepreneurs.Identify opportunities to improve lending processes, operational efficiency, and portfolio performance.Promote sound governance and responsible lending practices across the organisation.Support the continuous improvement of loan management systems and operational procedures.HOW TO APPLYInterested and suitably qualified candidates should submit the following documents:An application letter.A Curriculum Vitae (CV).Copies of relevant academic and professional certificates.Names and contact details of two (2) referees.Applications should be sent by email to:Email: joining@gocash.mwApplications should be addressed to:The Chief Executive OfficerGoCash LtdP/Bag 244Lilongwe, MalawiClosing Date: Friday, 30th October, 2026GoCash Ltd is an equal opportunity employer. Applications from women are particularly encouraged.Only shortlisted candidates will be contacted.GoCash Ltd –

Requirements

Apply by email: joining@gocash.mw