Credit Manager - Device Financing Job at MTN-Uganda

Senior Manager - Finance Business Partner Job

Work Hours: Full-time, 08 hours per day

Salary: Attractive

Job Deadline: 04 September 2025

Number of Jobs: 01

Hiring Entity: MTN-Uganda

MTN-Uganda

Location: In Uganda

Job Details:

To lead and manage the credit risk and collections strategy for MTN Uganda’s device financing portfolio, ensuring sustainable growth, minimal default rates, and enhanced digital inclusion through responsible lending practices.

MTN Uganda Limited is an equal opportunity employer and is seeking to recruit a competent individual to fill the following position.

Job Title: Credit Manager – Device Financing

Reports to: Senior Manager – Financial Operations

No. of Vacancies: 1

Main Job Functions:

Credit Strategy & Risk Management

Develop and implement credit policies and risk assessment models for device financing programs.
Monitor portfolio performance and proactively manage credit risk exposure.
Collaborate with Business Analysis team to ensure data accuracy and to refine credit scoring models and eligibility criteria.

Portfolio Management

Oversee the end-to-end lifecycle of device financing accounts—from onboarding to repayment and recovery.
Track key performance indicators (KPIs) such as default rates, recovery rates, and customer repayment behavior.

Collections & Recovery

Design and execute effective collections strategies, including early-stage reminders and late-stage recovery actions.
Work with third-party partners (e.g., M-KOPA) to ensure alignment on collections and customer experience.

Stakeholder Engagement

Liaise with internal teams (Sales, Marketing, Customer Experience, Legal, IT) and external partners (device vendors, fintechs) to ensure seamless execution of financing programs.
Ensure all issues are escalated on a timely basis and queries resolved effectively.
Drive a culture of continuous improvement to enhance service delivery

Compliance & Governance

Design and document processes and make appropriate recommendations to improve operational effectiveness of device credit management
Ensure adherence to regulatory requirements and MTN Group credit risk policies.
Maintain accurate documentation and audit trails for all credit-related activities.

Reporting

Analyse results and highlight variances from the norm, suggesting corrective action as needed

Report on weekly and monthly basis to Senior Management on the performance, health and risk trends of the loan portfolio as well as other adhoc reports that may be required
Ensure adequate provisions for bad debt are made inline with IFRS 9 and MTN Uganda Policies .

Supervisory / Leadership / Managerial Complexity

Work with the Senior Manager in defining compliance related KPAs
Continually assess the technical competence of the wider team and take steps to develop their knowledge and skill
Identify, accumulate and analyse statistics that reflect on the team’s performance
Recognise the strengths of individuals and make use of these to achieve goals
Develop professional relationships with teammates and encourage team spirit
Communicate actively and effectively resolving any potential conflicts that may arise
Live the MTN Brand – change and influence employees behaviour
Work as required over month-end periods to ensure that deadlines are met.

Education

Bachelor’s degree in finance, Accounting, Economics, Business Administration, or a related field.
Professional certification, such as CPA, ACCA, CFA, or Credit Management Certification is highly desirable.

Work Experience

Minimum of 5 years’ experience in credit risk management, preferably in telecom, banking, microfinance, or fintech sectors.
Proven experience in managing consumer credit portfolios, especially in device financing or digital lending.
Strong understanding of mobile money ecosystems, digital credit scoring, and alternative data use in credit decisions.
Familiarity with credit risk tools, financial modeling, and portfolio performance tracking.
Proficiency in data analysis tools such as Excel, SQL, Power BI, or Python for credit analytics.
Knowledge of regulatory frameworks governing consumer lending and data privacy in Uganda.

Industry / Certifications

Certified Public Accountant (CPA) (preferred)
Chartered Financial Analyst (CFA) (preferred)
Association of Chartered Certified Accountants (ACCA) (preferred)

Any other specifications

Leadership training
Training in Credit risk frameworks and debt recovery processes
Data analysis and data driven decision making
Systems training including Oracle Financials, Hyperion (or similar), PowerPoint, Advanced Excel, and Word
Computer and basic network training
Key legislation and standards such as the Companies Act, VAT Act, Income Tax Act, IFRS, UCC, USE regulations, Data Protection and Privacy Act etc.

Responsibility towards:

Internal Stakeholders

SM: Finance Operations; SM Devices, Sales & Distribution, Marketing, Analysis Department, MTN MoMo, MTN UG Finance Teams, Risk and Compliance, Internal Audit and Forensic Services, Suppliers, Procurement.

External Stakeholders: Interaction and Relationship

External Auditors, Consulting Services (IFC’s and Compliance),

COMPETENCIES

Knowledge: