Role Overview: Spectrum Credit Limited is looking for driven and experienced Portfolio Manager to join our growing team! As a Portfolio Manager, you will be required to oversee the financial health, growth, and quality of a loan portfolio, monitoring collection rates, and mitigating credit risk for the portfolio assigned

Location/ Branches: Lusaka CBD, Kitwe, Ndola and Kasama.

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.
• Ensure all lending activities comply with lending policies & regulations, local financial laws, anti-money laundering (AML) protocols, and "Know Your Customer" (KYC) standards.

Requirements:

• 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
• 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.

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

ONLY SHORTLISTED CANDIDATES WILL BE CONTACTED FOR AN INTERVIEW.

• 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.
• Ensure all lending activities comply with lending policies & regulations, local financial laws, anti-money laundering (AML) protocols, and "Know Your Customer" (KYC) standards.

• Customer service excellence
• Self-Motivation
• Proactive
• Results-driven
• Ability to manage portfolios independently with accountability for targets
• Dedicated to continuous learning
• Skilled at interpreting complex financial data and translating it into actionable strategies

• Diploma or better in Sales, Finance, Economics, Business Administration, or a related field.
• Minimum 2 years’ experience in microfinance, insurance, or other relevant industries
• Upholds confidentiality, demonstrates integrity, reliability, and respect in all interactions.