Job Description

Smallholder Credit Fund Ltd (SCF), managed by PCP Uganda Ltd and capitalized by the Embassy of the Kingdom of the Netherlands, is seeking a qualified and experienced professional to join the team as a Senior Credit Officer.

The Smallholder Credit Fund provides medium-term lines of credit and working capital to Farmer Organisations, including SACCOs, Farmer Cooperatives, Agri-MSMEs and Agri-Fintechs, for onward lending to smallholder farmers in Uganda’s livestock and agri-food sectors.

We are currently recruiting a Senior Credit Officer – Smallholder Credit Fund at Pearl Capital Partners based in Kampala – In Charge of Western Region to join our growing team.

The successful candidate will take ownership of day-to-day responsibilities, work closely with colleagues across departments, and contribute to the continued success of the organisation. This role suits someone who is reliable, detail-oriented, and comfortable working both independently and as part of a team.

If you meet the requirements and are looking for a rewarding new role, we would like to hear from you.

Key Responsibilities

Conduct due diligence and financial, business and risk analysis of prospective Farmer Organisations.
Monitor SACCOs and cooperatives within the portfolio.
Review disbursement requests before approval by the Credit Manager.
Provide portfolio analysis and periodic reports.
Develop and maintain relationships with internal and external stakeholders.
Provide technical assistance to clients.
Prepare financial and social-impact performance reports.
Monitor repayments and compliance with financing covenants.

Qualifications

A Bachelor’s degree in Banking, Finance, Agricultural Economics, Business Administration or a related field.
At least 5 years of experience in agricultural finance, credit risk and market analysis.
At least 3 years of direct portfolio management experience involving Farmer Cooperatives and SACCOs in Uganda.
Strong financial modelling, cash-flow forecasting and risk-analysis skills.
Good knowledge of Uganda’s agricultural value chains, microfinance regulatory environment and cooperative governance.
Strong analytical, report-writing and interpersonal skills.
Willingness to travel frequently to rural areas.
Fluency in written and spoken English. Knowledge of Runyankole is an added advantage.

Skills

Agricultural Finance Credit Risk Analysis Portfolio Management Financial Modelling Cash-Flow Forecasting Risk Analysis Stakeholder Management Report Writing Interpersonal Skills

How to Apply

Interested candidates should submit their CVs no later than Friday, 30 October 2026, to denis.mugalu@pearlcapital.net and mary.nantume@pearlcapital.net. Copy christine.nakimera@pearlcapital.net.

Resume / CV required

Senior Credit Officer – Smallholder Credit Fund

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