The position exists for the delivery of excellent customer services; administration of the credit granting process from receiving loan applications to disbursement stages of loan process in accordance with Ashcash’s Credit Policy and Procedure Manual with emphasis on ensuring compliance with the Credit Policy and Procedure manual, preparation of loan documents, perfection of security for all borrowing clients prior to disbursement of loans, disbursement of loans; and handling of cash and treasury issues at the branch.
Job Summary
- Employer: ashcash MICROFINANCE
- Job Type: Full-time
- Location: Mutare, Zimbabwe
- Category: Finance
- Closing Date: 2026-09-27
Key Responsibilities
- Attending walk in clients, manning the enquiries desk and ensuring that walk in clients are fully served.
- Explain the company loan products, processes and procedures to walk in clients.
- Check that loan application documentation requirements are in place as per Credit Policy.
- Preparing loan agreements guided by the signed Credit Committee Submission Form.
- Carryout the disbursements of loans to clients after signing of loan agreements and perfection of security and ensuring that a client obtains a copy of the loan agreement.
- Ensuring that loan officers have enough resources (stationery, office and office workstation) to assist them in executing their job.
- Ensuring that loan officers have enough resources (stationery, office and office workstation) to assist them in executing their job.
- Prepare weekly & monthly reports amongst other duties.
Requirements
- A Prepare weekly & monthly reports amongst other duties.
- A professional course in microfinance or credit management is an added advantage
- At least 3 years’ experience in a Bank/ Microfinance Institution well vested in customer services or credit granting processes.
- Good customer services skills and be able to handle difficult clients with the ability to make apt decisions.
- Good administration skills, accurate and multi tasked personnel be able to work in fast paced environment.
- Good cash handling and treasury skills and is good in numbers.
How to Apply
Apply by email: infor@ashcash.co.zw
Frequently Asked Questions
What qualifications or education do I need to become a Client Relationship Officer at a microfinance institution in Zimbabwe?
Most employers require a minimum of a Diploma in Banking, Finance, Business Administration, or a related field from a recognized institution like UZ, MSU, or a polytechnic. A Bachelor's degree is often preferred for career advancement, and professional certifications such as ACCA, CIS, or banking diplomas from the Institute of Bankers Zimbabwe (IOBZ) strengthen your application significantly.
What are the typical day-to-day responsibilities of a Client Relationship Officer in Zimbabwean microfinance?
You will spend most days visiting clients in Mutare's urban and peri-urban areas to assess loan applications, conduct risk evaluations, and monitor repayment schedules. Office duties include maintaining client records, preparing reports for branch managers, and cross-selling microfinance products like savings groups and insurance to existing borrowers.
How does workplace culture and employer expectations differ in Zimbabwean microfinance compared to corporate banking?
Microfinance emphasizes fieldwork and community presence over desk-based service, so expect to travel extensively by public transport or company motorbikes regardless of weather conditions. Employers value relationship-building with informal sector clients, flexibility with irregular hours to match client availability, and strict adherence to repayment collection targets set by headquarters.
What realistic career progression paths exist for Client Relationship Officers in Zimbabwe's microfinance sector?
Strong performers typically advance to Senior Relationship Officer, Branch Credit Officer, or Branch Manager within three to five years depending on portfolio growth and repayment rates. Some transition to regional roles, product development, or move into commercial banking, while others leverage experience to start their own microfinance agencies under RBZ licensing frameworks.
What benefits should I expect or negotiate for in a microfinance role in Mutare?
Standard packages usually include NSSA pension contributions, limited medical aid coverage often through CIMAS or Premier Medical Aid, and statutory annual leave of 21 days plus public holidays. Field allowances for transport and communication are common but vary considerably; always clarify whether fuel, airtime, or vehicle maintenance is provided given the extensive travel requirements.
How do I apply for this role and what do Zimbabwean microfinance employers prioritize in candidates?
Submit applications through the company's website, email, or in-person at their Mutare branch with a detailed CV, certified academic certificates, and proof of residence or local references. Employers prioritize candidates with existing community networks in Manicaland, proven sales or collections experience, clean credit records, and demonstrated resilience in high-pressure, target-driven environments.
