Loans Operations Lead
First seen by Alion on Oct 20, 2026.
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:
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.