Credit Officer

About
Bidhaa Sasa

We are a mission-driven company working to bring clean and modern energy solutions – especially electric cooking – to underserved households in East Africa. Our work directly supports climate goals and gender equity by helping rural families, particularly women, transition away from polluting fuels like charcoal and firewood. We're a small but ambitious team of around 80 people, based mainly in Kenya and Uganda, with a growing number of remote roles across the region and internationally. We value autonomy and trust – staff have ownership over their work but are supported by clear structures, transparent communication, and regular feedback. Collaboration is central to how we operate, and we rely on strong internal systems to keep things moving even across distances. Bidhaa Sasa is a great fit for people who are proactive, mission-aligned, and comfortable with both independence and accountability. We're practical, grounded, and committed to finding scalable solutions that deliver real meaningful impact for rural areas in East Africa.

About the role

We are looking to hire Credit Officers
to be based in several rural areas across Kenya and Uganda to recover overdue loans and follow up with non-compliant groups. This is a key support role responsible for ensuring that clients continue to receive high-quality after-sales service and that they repay according to the group financing agreements they signed.

The Credit Officer will manage the full credit portfolio of an assigned territory, maintain strong relationships with client groups, and secure timely repayments. This is a field-based position, supported by your Area Coordinator and our internal credit systems.

Current recruitment locations:

Kenya – Kitale, Webuye, Mumias, Kapsabet, Kericho, Kangari, Siaya

Uganda – Mbale, Mayuge

What You'll Do

1. Portfolio Management & Collections

o  Take full ownership of the credit portfolio for your assigned areas.

o  Make regular outbound calls and in-person visits to remind clients and Group Leaders of their payment obligations.

o  Secure commitments to pay and follow up to ensure payments are made.

o  Conduct group arrears meetings when needed, and coordinate repossessions or transfers in cases of deep arrears.

o  Track all interactions and payment statuses using internal tools.

2. Client Relationship & Field Support

o  Serve as the main contact point for clients in areas where we no longer have sales staff.

o  Build trust and ensure that client concerns are heard and addressed.

o  Provide updates on group performance and arrears status to your Area Coordinator.

3. Tools & Systems

o  Use Bidhaa Sasa's established M&E systems (e.g. Taroworks) to record field data, repayment progress, and follow-up efforts accurately.

o  Maintain up-to-date records and provide regular reports on repayment status.

What You'll Bring

o  Prior experience in credit collection, loan management, or community engagement is a strong advantage.

o  You are self-motivated, organised, and capable of working independently to achieve set targets.

o  High level of accountability and ownership, with the ability to work under minimal supervision.

o  Strong listening skills, empathy, and the ability to build and maintain long-term relationships with clients.

o  Comfort working in the field and navigating rural areas. Transport and safety protocols are in place, and you'll receive full support from your manager in the field.

o  A deep passion for rural development and supporting underserved communities.

o  You are respectful, value diversity, and can thrive in a multicultural environment.

o  Strong communication skills in English and the ability to speak clearly in at least two of the following local dialects: Kiswahili, Bukusu, Kikuyu, Wanga , Kalenjin or Luo / Luganda, Lugisu or Lusoga.

o  A diploma in a relevant field such as Sales, Business, Credit Management, or Community Development.

o

What Success Looks Like

o  You consistently meet or exceed monthly repayment targets.

o  You maintain accurate, timely records and communicate updates proactively.

o  You strengthen client trust and help uphold Bidhaa Sasa's reputation for fairness and responsiveness.

Career Growth

o  High-performing Credit Officers may be redeployed to active sales hubs and entrusted with managing larger, more complex portfolios – combining collections with sales support and leadership responsibilities.

Our Culture – We Are the Right Organisation for You If:

o  You value autonomy, seek responsibility, and want your ideas and field insights to shape business strategy.

o  You believe in the potential of rural communities and want to play a role in their development.

o  You are excited by the fast-paced, ever-changing nature of start-up environments and are ready to learn from both wins and mistakes.

o  You appreciate open communication and want to be part of a collaborative and diverse team.

Please apply
here
.

Important Note:
Bidhaa Sasa does not require any application fees from candidates at any stage of the recruitment process. Please be cautious of any third-party individuals or organisations asking for such fees on our behalf