Background Information

Job Title: Officer, Credit Guarantee Monitoring

Department: Credit Guarantee

Reports to: Manager, Credit Guarantee Risk

Contract Terms:

– Open-ended contract

Purpose of the Job:

The Monitoring Officer is responsible for the day-to-day monitoring of guaranteed loan portfolios across Participating Financial Institutions (PFIs), ensuring accuracy of reports, compliance with Guarantee Framework Agreements (GFAs), and timely validation of performance data, arrears, claims, and recoveries.

This should be done through maintaining strong data integrity, identifying early warning signals, validating supporting documents for claims, tracking recovery actions, and ensuring adherence to the operational manual and guarantee procedures. The Monitoring Officer plays a key role in safeguarding the quality of the portfolio, improving PFI reporting discipline, and supporting the overall performance management of the guarantee schemes.

Performance Indicators

The performance of the Monitoring Officer will be evaluated based on the accuracy, completeness, and timeliness of monitoring activities, particularly the quality of validated portfolio data, reports, and MIS entries. Strong emphasis will be placed on the officer’s ability to identify emerging risks, ensure consistent data integrity, and support claim validation and recovery tracking with high levels of precision and reliability.

In addition, performance will be assessed through effective engagement with PFIs, timely follow-ups on reporting or compliance gaps, and constructive collaboration with internal teams. The Monitoring Officer’s contribution to dashboards, monitoring reports, and continuous process improvements, as well as their professionalism in communication and stakeholder coordination, will form a key part of the evaluation.

Professional, academic qualifications and experience

• Bachelor’s degree in finance, economics, business administration, banking, statistics, or a related field.
• At least 3 years of experience in credit monitoring, portfolio analysis, financial reporting, or banking operations, preferably within a financial institution or guarantee scheme.
• Strong understanding of credit risk concepts, arrears analysis, NPL management, and portfolio monitoring indicators.
• Experience working with large datasets, with strong Excel skills; knowledge of MIS or digital reporting systems is an added advantage.
• Strong analytical and problem-solving skills with high attention to detail and data accuracy.
• Solid communication and report-writing skills, with ability to engage effectively with PFIs and internal teams.
• Ability to work independently, meet reporting deadlines, and follow structured monitoring workflows.
• Strong integrity, discipline, and commitment to maintaining accurate and reliable portfolio records.

• Review PFI periodic reports on loan performance, arrears evolution, recoveries, and outstanding guaranteed exposure.
• Validate the accuracy, completeness, and compliance of submitted data with guarantee terms and GFA requirements.
• Identify data anomalies, reporting gaps, or inconsistent trends and follow up with PFIs for clarification or correction.
• Track portfolio performance indicators, including PAR ratios, concentration metrics, and early warning signs.
• Verify arrears status, repayment history, and PFI recovery actions prior to claim submission.
• Track post-claim recoveries and ensure recoveries are shared according to guarantee risk sharing.
• Maintain updated recovery tracking sheets and communicate recovery status to the Team Lead.
• Review PFI compliance with reporting obligations and GFA terms, escalating repeated non-compliance to the Team Lead.
• Enter and update portfolio data in the MIS, ensuring accuracy, completeness, and timely reconciliation.
• Maintain detailed monitoring logs, data validation trackers, and supporting documentation.
• Update the status of guarantee fee invoices and follow up on unpaid or overdue payments.
• Collaborate with Operations, Transactions, Risk, Finance, and MIS teams to support coordinated monitoring activities.
• Support continuous improvement efforts by contributing to the refinement of monitoring tools, templates, and workflows.
• Carry out any additional duties assigned by the Team Lead or Management to strengthen the monitoring function.

• Strong Excel skills
• Knowledge of MIS or digital reporting systems (added advantage)
• Strong analytical and problem-solving skills
• High attention to detail and data accuracy
• Solid communication and report-writing skills
• Ability to engage effectively with PFIs and internal teams
• Ability to work independently
• Ability to meet reporting deadlines
• Ability to follow structured monitoring workflows
• Strong integrity, discipline, and commitment

• Bachelor’s degree in finance, economics, business administration, banking, statistics, or a related field.
• At least 3 years of experience in credit monitoring, portfolio analysis, financial reporting, or banking operations, preferably within a financial institution or guarantee scheme.
• Strong understanding of credit risk concepts, arrears analysis, NPL management, and portfolio monitoring indicators.