Loans Operations Lead

GoCash is a registered fintech company with the Reserve Bank of Malawi, providing accessible working capital to small-scale traders and entrepreneurs in Lilongwe. We are building a modern, technology-driven lending institution founded on sound governance and responsible lending.

THE ROLE

Reporting to the Chief Executive Officer, the Lending Operations Lead will be responsible for end-to-end lending operations, credit assessment, portfolio quality and supervision of field staff.

• Appraise and approve loan applications within delegated authority limits.
• Maintain portfolio quality and keep arrears within approved limits.
• Supervise, support and monitor the performance of field loan officers and agents.
• Follow up overdue accounts and manage the arrears escalation process.
• Classify arrears and compute loan loss provisions monthly.
• Ensure all lending complies with company policy and regulatory requirements.
• Prepare timely reports on portfolio performance, credit risks and operations for management and the Board.
• Support product development and lending process improvements.

QUALIFICATIONS

• Minimum: Diploma in Finance, Accounting, Banking, Business Administration or a related field.
• A Bachelor’s degree in a related field will be an added advantage.
• A professional qualification in credit or microfinance management is an added advantage.

EXPERIENCE

• Minimum of three (3) years’ practical experience in lending, microfinance, banking or credit management.
• Demonstrable experience managing a loan portfolio, with evidence of maintaining a low portfolio at risk.
• Practical experience in loan appraisal, disbursement processes and arrears management.
• Experience supervising and managing field teams will be an added advantage.
• Working knowledge of group lending methodology is an added advantage.
• Familiarity with Reserve Bank of Malawi microfinance regulations is an added advantage.

THE REQUIREMENTS

• Computer literate and familiar with loan management systems.
• Fluent in Chichewa and English, both written and spoken.
• High personal integrity and prepared to decline applications that do not meet criteria.
• A valid driving licence is an added advantage.

HOW TO APPLY

Send an application letter, curriculum vitae, copies of certificates and names of two referees to:

[email protected]

The Chief Executive Officer

GoCash Ltd | P/Bag 244, Lilongwe
Lilongwe, Malawi

CLOSING DATE

30 October 2026

GoCash is an equal opportunity employer. Applications from women are particularly encouraged. • Only shortlisted candidates will be contacted.

Simple loans. Real support. Keep Going.