ABOUT PHARMSAVE

PharmSave Savings and Credit Co-operative Society Limited is a member-owned financial co-operative established in 2021 by and for pharmacy personnel in Zambia.

We offer members savings, affordable loans, dividends, and financial education.

Mission: To empower pharmacy personnel through accessible, innovative, and sustainable financial solutions that promote savings, investment, financial security, and long-term prosperity.

Vision: To be the wealth management partner of choice for pharmacy personnel.

Core Values: Member-Centredness. Integrity. Innovation. Financial Stewardship. Collaboration. Excellence

Location: C/o Nchanga Healthcare Limited shop number 5, Kabwata Shopping Mall Burma Road, Lusaka

Main Purpose of the Role

Oversee day-to-day operations of the cooperative, support administration of lending activities, attract and retain members/borrowers, develop marketing strategies, and ensure efficient operations.

KEY RESPONSIBILITIES

1. Operations Management

• Manage day-to-day operations of the cooperative
• Develop and implement operational procedures
• Coordinate loan applications, processing, disbursement and repayment monitoring
• Maintain accurate records of members, borrowers, loans and repayments
• Monitor loan portfolio and identify overdue/high-risk accounts
• Prepare regular operational and performance reports
• Ensure proper documentation and filing of all records

2. Loan Administration & Portfolio Monitoring

• Coordinate loan application process from enquiry to approval and disbursement
• Ensure loan applications are complete with required documentation
• Follow up on outstanding loan repayments
• Maintain loan register and repayment schedules
• Monitor portfolio performance and report on arrears and defaults
• Support credit-control and recovery procedures

3. Marketing & Business Development

• Develop marketing strategies to attract pharmacy personnel
• Promote cooperative’s loan products and services
• Build relationships with pharmacies, pharmaceutical companies, healthcare professionals
• Manage social media and promotional channels
• Develop marketing materials and campaigns

4. Member/Customer Relationship Management

• Act as key point of contact for members and borrowers
• Respond to enquiries on membership and loan products
• Educate members on products, requirements and repayment
• Gather member feedback and recommend improvements

5. Financial & Administrative Support

• Reconcile loan disbursements and repayments
• Assist in preparing budgets and operational forecasts
• Monitor operational expenses
• Support internal and external audits

6. Compliance & Risk Management

• Ensure operations comply with policies, laws and regulations
• Ensure controls around loan processing and member information
• Identify operational, credit and reputational risks
• Maintain documentation for transparency and accountability

QUALIFICATIONS & EXPERIENCE

• Bachelor’s degree in Business Administration, Finance, Accounting, Marketing, Economics or related field
• Proven experience in operations, financial services, lending, business development, or marketing
• Experience in loan administration, credit management or portfolio monitoring
• Strong organizational and administrative skills
• Good financial, analytical and problem-solving skills
• Excellent communication, interpersonal and customer relationship management skills
• Proficiency in Microsoft Office and relevant financial/business systems
• Knowledge of lending operations, credit risk and financial management
• Ability to work independently and manage multiple priorities

HOW TO APPLY

Send your cover letter, curriculum vitae, qualifications and affiliation to professional organization to: