Credit Portfolio Manager

Pennylender is a credit finance house typically provides a range of financial services, including credit facilities, and We specialize in evaluating credit risk, managing loan portfolios, and offering financial solutions tailored to our clients' needs. With a focus on assessing creditworthiness and providing access to capital,we play a crucial role in facilitating economic growth and supporting financial stability within the community.

We are seeking a proactive and analytical Credit Portfolio Manager to expand the portfolio of our SME and consumer clientelle. The ideal candidate will be responsible for increasing the portfolio size of our products. This role requires a strong understanding of customer engagement across a growing credit portfolio.

Responsibilities:

• Identify, prospect, and onboard qualified small and medium business clients (B2B).

• Conduct loan needs assessments, creditworthiness evaluations, and documentation checks.

• Actively drive the loan sales pipeline through field engagement, cold visits, referrals, and relationship building.

• Monitor disbursed loans to ensure proper use and repayment behavior.

• Track repayment schedules, follow up on due dates, and ensure timely collections.

• Maintain accurate records of client communications and loan status using CRM or internal tools.

• Prepare and submit performance reports, client updates, and portfolio reviews to management.

• Escalate delinquent or high-risk accounts to the recovery or credit control team.

• Provide feedback on client behavior and market trends to guide credit policy improvements.

Key Performance Indicators (KPIs):

• Monthly loan disbursement target

• Portfolio-at-Risk (PAR) control

• Repayment follow-through and delinquency rate

• Client retention and repeat disbursement rate

• Weekly field activity reports and documentation accuracy

Requirements:

• BSc/HND in Finance, Economics, Business Administration, or related field.

• 2–5 years of experience in credit sales, loan disbursement, or SME finance.

• Strong field sales and relationship management skills.

• Good understanding of credit risk, KYC, and lending documentation.

• Comfortable working with targets and reporting metrics.

• Ability to work independently and manage a portfolio of clients.

Why Join Us:

• Competitive salary + commission

• Growth opportunities within the credit and risk team

• Exposure to strategic lending across various sectors

• Performance-based rewards and development programs