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.

• 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.

• 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.

• Diploma or better in Sales, Finance, Economics, Business Administration, or a related field.
• Minimum 2 years’ experience in microfinance, insurance, or other relevant industries