Job Summary
- Type: full-time
- Location: Greendale
- Category: Finance
- Closing Date: 2026-08-27
Key Responsibilities
- Identify and develop new business opportunities for SME lending
- Build and maintain relationships with potential clients and partners
- Conduct market research and analysis to identify trends and opportunities
- Prepare and present business proposals and reports
- Collaborate with the Operations Manager to achieve business targets
Requirements
- Relevant qualifications in Business, Finance or related fields
- Proven experience in business development and SME lending
- Strong networking and relationship-building skills
- Excellent communication and presentation skills
How to Apply
About the Company
Zimbabwe Microfinance Fund Limited is a microfinance institution operating in Zimbabwe, providing financial services to small and medium-sized enterprises as well as low-income clients who are often underserved by traditional banks. The company is registered with and regulated by the Reserve Bank of Zimbabwe under the Microfinance Act. From its base in Harare, it offers products such as working capital loans and business finance designed to support income-generating activities across the country. Its work contributes to financial inclusion by extending credit to entrepreneurs and communities outside the mainstream banking sector.
Empowering Zimbabwean entrepreneurs through accessible microfinance
Frequently Asked Questions
What qualifications do I need to become a Business Development Officer in SME lending at a microfinance institution in Zimbabwe?
Most employers look for a degree or diploma in Banking, Finance, Accounting, Business Studies, or Economics from a recognised Zimbabwean institution. Professional certifications such as IOBZ (Institute of Bankers of Zimbabwe) membership or microfinance-related training are an added advantage. A clean credit record and knowledge of RBZ regulations for microfinance institutions are often expected.
What are the typical day-to-day responsibilities of this role?
You would typically source and assess SME loan applicants, conduct business appraisals and site visits, prepare credit reports, and monitor loan repayments and portfolio quality. The role also involves marketing financial products to small businesses, building client relationships, and ensuring compliance with lending policies. Fieldwork across your assigned region is usually a significant part of the job.
What is the work culture like in Zimbabwe's microfinance sector?
The sector values professionalism, integrity, and strong relationship-building skills, since much of the business depends on trust within local communities. Targets for loan disbursement and portfolio quality are common, so self-drive and resilience are important. Punctuality, adherence to compliance standards set by the Reserve Bank of Zimbabwe, and teamwork are highly emphasised.
What career progression can I expect in SME lending and microfinance in Zimbabwe?
A typical path moves from Business Development Officer or Credit Officer to Senior Officer, Branch Manager, and then roles such as Regional Manager or Head of Credit/Operations. Gaining experience in credit analysis and portfolio management strengthens your prospects. Further qualifications like a banking diploma, MBA, or CIBZ-related certifications can accelerate advancement.
What benefits are commonly offered with this type of role?
Benefits vary by employer but commonly include annual leave, medical aid contributions, pension fund participation, and sometimes performance bonuses tied to loan targets. Some institutions also provide transport allowances or fuel benefits due to extensive fieldwork. Always confirm the full package during the offer stage rather than assuming.
How should I apply, and what do employers in Zimbabwe look for in candidates?
Apply through the employer's official channels—usually an email address or application portal listed in the advert—with a tailored CV and cover letter highlighting relevant lending or sales experience. Employers look for evidence of meeting targets, knowledge of the local SME market, strong communication skills, and honesty. Be prepared for interviews that may include practical credit assessment scenarios and reference checks.