Exciting Career Opportunity at Fruit Finance

By Eric Appiah

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February 13, 2026 1:31 pm

Exciting Career Opportunity at Fruit Finance

Job Title: Credit Manager (Hybrid Role)

Position Announcement

Fruit Finance invites suitably qualified and experienced professionals to apply for the position of Credit Manager. This hybrid role is based at our Mallam Junction operations and represents a critical leadership position within our microfinance institution. We seek a strategic thinker with strong analytical capabilities to oversee our credit function and drive responsible lending practices.

Job Summary

As Credit Manager, you will assume full ownership of the company’s credit operations. Your core mandate involves evaluating the creditworthiness of potential and existing customers, establishing robust credit policies, and managing accounts receivable to minimize risk exposure. Additionally, you will ensure timely payment collections and strict regulatory compliance across all credit-granting activities.

Key Responsibilities

Your duties will encompass the following critical areas:

Credit Evaluation and Decision Making:

Creditworthiness Assessment: You will thoroughly evaluate the credit history and financial stability of all loan applicants to determine their genuine capacity to repay debt obligations.
Application Processing: Approving or rejecting credit applications based on sound risk analysis, setting appropriate credit limits, and negotiating favorable loan terms with customers falls under your purview.
Risk Monitoring: You will actively monitor outstanding loans, manage collections processes, and oversee bad debt provisions to protect the company’s financial health and sustainability.

Policy Development and Compliance:

Credit Policy Management: Creating, implementing, and continuously updating the company’s credit policies and procedures is a core responsibility. Consequently, you will ensure consistency and minimize financial risk across all lending activities.
Regulatory Adherence: You must guarantee that all credit-granting activities comply fully with relevant banking laws, rules, and regulations governing microfinance operations in Ghana.

Financial Analysis and Reporting:

Data Driven Decisions: You will analyze financial statements and apply credit scoring models to make informed, objective lending decisions
Management Reporting: Preparing and presenting comprehensive credit reports to senior management is essential for strategic oversight and performance tracking.

Stakeholder Collaboration:

Customer Relations: You will work directly with customers to negotiate payment terms, manage accounts, and resolve disputes professionally.
Cross-Departmental Coordination: Collaborating closely with the sales department to align credit decisions with business development objectives is a key aspect of this hybrid role.

Required Qualifications and Experience

A minimum of a Bachelor’s Degree or Higher National Diploma (HND) in Marketing, Accounting, Banking, Finance, or a directly related field.

At least four years of proven post-qualification work experience within a micro credit or microfinance environment.
Excellent working knowledge of loan application procedures, credit assessment methodologies, and best practice lending standards.
Demonstrated track record of hard work, goal achievement, and results-oriented performance.

Required Skills and Personal Attributes

Communication Excellence: Strong verbal, written, and presentation skills to effectively engage customers and stakeholders.
Analytical and Quantitative Ability: Proven planning, quantitative, and analytical skills with close attention to detail.
Integrity and Confidentiality: Impeccable personal integrity, ability to handle sensitive information with discretion, and a firm but fair approach to decision making.
Computer Proficiency: Strong computer literacy skills with advanced competency in the Microsoft Office Suite, particularly Excel.
Regulatory Knowledge: Thorough understanding of banking laws, rules, and regulations applicable to the microfinance sector.
Independent Judgment: Sound independent judgment and the ability to make objective credit decisions under minimal supervision.
Goal Orientation: A self-motivated, driven individual who thrives in a target-oriented environment.

Location: This position is based at our Mallam Junction operations in Accra. Candidates must be willing and able to work from this location.

How to Apply for this Career Opportunity at Fruit Finance

Interested and qualified candidates should follow these application instructions:

Prepare a current and detailed Curriculum Vitae (CV).
Write a compelling Cover Letter highlighting your relevant experience and achievements.
Submit both documents via email to fruitMicroCredit@gmail.com.
Ensure your application clearly demonstrates your four years of microcredit experience and your qualifications.

Application Deadline: Sunday, March 8, 2026

Important Note: Only shortlisted candidates will be contacted for the next stage of the recruitment process. We appreciate the interest of all applicants.

Why Join Fruit Finance?

This Credit Manager role offers a significant opportunity to shape lending strategy within a growing microfinance institution. You will directly influence financial inclusion and responsible credit access for individuals and small businesses. Fruit Finance provides a dynamic, supportive environment where your expertise directly contributes to organizational success and community impact. Therefore, if you are a seasoned credit professional with unwavering integrity and a passion for ethical lending, we strongly encourage you to apply and lead our credit operations toward excellence.

NOTE:

Please be aware that employers typically receive a high volume of applications for each position and will only shortlist the most qualified candidates. Please note that NewsNowGh.com is not involved in the employer’s recruitment decisions and does not guarantee that applicants will be shortlisted or selected for any role.