SME Business Credit/Loan Officer (Secured Loans)

About the role

CredPal, a financial technology company offering credit cards and investment solutions, is looking for a driven, commercially focused SME Business Credit / Loan Officer to drive secured business loan disbursement across its SME and merchant portfolio. The role originates, evaluates and disburses secured loans to qualified SMEs, builds a pipeline of business borrowers and maintains high portfolio quality. It is a full-time, hybrid position at mid-senior level.

Key responsibilities

• Source and originate secured SME loans such as working capital, merchant financing and asset-backed credit, and meet monthly disbursement targets
• Identify and engage SME borrowers, build relationships with merchants and distributors, and turn qualified leads into approved loans
• Evaluate borrower financials, collateral and repayment capacity, verify documentation and carry out field visits and due diligence
• Support repeat borrowing by advising clients on suitable credit solutions
• Monitor repayments, track delinquency and support collections and recovery where needed
• Identify high-potential SME clusters and trade groups, and stay informed on market trends and competitor products
• Maintain accurate records of pipelines and performance, and report regularly on disbursement, acquisition and repayment metrics
• Work closely with credit risk, operations and collections teams

Required profile

• Bachelor's degree in Finance, Economics, Business Administration or a related field; an MBA or professional certification is an advantage
• Minimum 4 years of experience in SME lending, secured loans, microfinance or commercial banking, preferably in fintech or high-growth lending
• Proven track record of meeting or exceeding aggressive disbursement targets
• Experience managing loan performance, collections and delinquency control

Required skills

• Hands-on experience with working capital loans, merchant financing, invoice financing, credit lines and other secured products
• Solid understanding of credit risk assessment, collateral evaluation and portfolio performance management
• Analytical skills using dashboards, KPIs and financial data
• Strong negotiation, communication and relationship management skills

What we offer

• Professional development opportunities
• A collaborative, inclusive work culture
• Opportunity to work with cutting-edge products and technologies
• A supportive management team