Build Your Career.
Help Others Reach Their Destiny.
Join a team committed to responsible financial access, entrepreneurship and creating meaningful opportunities for the communities we serve.
A Career That Creates Real Impact
At Destiny Microfinance Limited, our work is closely connected to the aspirations of entrepreneurs, farmers, employees, women-led enterprises and communities.
Since May 2010, DMF has worked to provide microfinance services to clients engaged in small and medium enterprises, transport, farming and artisan activities.
Joining DMF means becoming part of an organisation where professional responsibility and customer service contribute directly to financial opportunity.
Grow With Purpose
Build your professional experience while helping clients access responsible financial services and opportunities for sustainable growth.
Together to Your DestinyMore Than a Job. A Chance to Make a Difference.
We believe strong financial institutions are built by people who understand clients, value responsibility and are committed to excellent service.
Purpose & Impact
Contribute to financial access and economic opportunity for individuals, enterprises and communities.
Professional Growth
Build practical experience across microfinance, customer relationships and financial services.
Client-Centred Service
Work closely with clients and help provide a professional, responsive and responsible customer experience.
Community Connection
Work directly with entrepreneurs and communities while supporting responsible portfolio growth.
Current Opportunities
Explore current career opportunities at Destiny Microfinance Limited.
Credit Officer
The Credit Officer will assess and manage client credit risk, evaluate creditworthiness, make recommendations for approval, support disbursement, monitor loans and contribute to timely recovery while balancing credit risk and business growth.
Credit Officer
The Credit Officer is responsible for assessing and managing the credit risk of clients, evaluating creditworthiness, making recommendations for approvals, disbursing, monitoring and recovery.
Client Mobilisation
- Identify new business opportunities for Destiny Microfinance Limited.
- Identify and liaise with local leaders.
- Conduct promotional meetings to disseminate information about Destiny products.
Client Training & Assessment
- Conduct pre- and post-credit training on Destiny methodologies, policies, processes and loan management.
- Support training in group dynamics and business management.
- Assess the creditworthiness of potential clients.
- Prepare for and participate in credit committee meetings.
- Sensitise clients about repayment requirements and dues.
Loan Management & Recovery
- Support clients in completing loan application forms.
- Appraise clients and recommend appropriate loan amounts based on their ability to pay.
- Support timely disbursement of approved loans.
- Monitor loans and undertake regular recovery activities.
- Track repayments and follow up on defaulters.
- Verify client payments for accuracy and work to minimise arrears.
- Maintain good customer care.
Reporting
- Prepare weekly, monthly and quarterly portfolio reports.
- Submit portfolio reports to the Credit Supervisor within the required timelines.
Personal Attributes
Job Summary
5:00 PM Uganda Time
Take the Next Step in Your Career.
Interested and qualified candidates should submit an updated résumé highlighting relevant experience in credit management, finance or risk assessment, together with a cover letter and supporting documents.
Online applications will be available through the DMF Careers portal.
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Keep checking our Careers page for future opportunities to join Destiny Microfinance Limited.