Chief Financial Officer (CFO) – Loanco Financial Services

Company: Loanco Financial Services Limited
Position: Chief Financial Officer (CFO)
Employment Type: Full-time
Location: Lusaka, Zambia
Salary: ZMW 70,000 - ZMW 80,000 / month
Posting Date: 09 September 2026
Closing Date: 30 September 2026

---

About Loanco Financial Services

Loanco Financial Services Limited is a Bank of Zambia licensed Non-Bank Deposit-Taking Microfinance Institution. The company lends to formally employed people and collects principally through payroll deduction.

Position Overview

The Board is required to appoint a suitably qualified Zambian, resident in Zambia, as Chief Financial Officer. This is a regulated key-person role.

The appointment is subject to Bank of Zambia Fit and Proper approval.

The Role

The Chief Financial Officer will own the finance function in Lusaka, covering statutory and prudential reporting to the Bank of Zambia, management accounts, treasury and cash, tax, IFRS 9 on the loan book, audit, and the finance team.

The CFO reports to the CEO, works with the Group CFO and sits in front of the Audit Committee.

Required Qualifications and Experience

• Zambian nationality and residence in Zambia
• Bachelor’s degree in Accounting, Finance or equivalent
• Completed professional qualification: ACCA, CIMA or CA(Z) member, with current ZICA membership
• At least eight years’ progressive finance experience, of which five years in a senior role inside a bank, microfinance institution or other financial service provider supervised by the Bank of Zambia
• Proven delivery of BoZ / regulatory returns, IFRS financials and external audit
• Clean integrity record sufficient for Fit and Proper (security clearance, questionnaire, referees)

Important Eligibility Conditions

You will not be considered if you are an affiliate or technician-level only, if your experience is confined to general commerce or outsourced accounting, or if you cannot take up residence and full-time office in Lusaka.

How to Apply

Applicants should submit:

• CV
• Certified qualifications
• A one-page note on the last regulated institution you reported for

Send applications to:

Primary Email: osborn@loanco.africa

Copy:
anton@loanco.africa
don@loanco.africa
admin@loanco.africa

Email Subject: CFO – Loanco Zambia

Closing Date

30 September 2026

Additional Information

Only shortlisted candidates will be contacted.

Appointment is subject to Board approval and Bank of Zambia Fit and Proper.

Package

• Basic: ZMW 70,000 - ZMW 80,000
• 13th cheque
• Medical aid, statutory NAPSA / NHIMA

Khen financial Services is one of the fastest growing micro-finance with presence on the copperbelt and Solwezi, and wishing to extend its presence to other towns.

The Business loan officer will be responsible for:

• Marketing of all KFS products and services to potential clients by using promotional tools and mechanisms approved by KFS.
• Responsible for full lending cycle of loan initiation, processing, monitoring and repayment.
• Select clients, provide detailed products and services information, conduct client evaluation, collect all the necessary documents and check their accuracy, present credit proposals at credit committees, and process loans documentation.
• Explain to clients all the details of the disbursement and repayment process.
• Conduct thorough analysis of each client payment capacity and willingness; evaluate the credit risk before Credit Committee.
• Actively work on maintaining clients’ repayment willingness.
• Fully responsible for all collections efforts regarding clients in his/her portfolio; daily monitor clients’ repayment, act immediately on loans in arrears according to lending policy, present all delinquent clients and recommend solutions to arrears committee, implement committee’s decisions.

EDUCATION AND EXPERIENCE

• College Diploma in Banking and Finance, Business Administration, Economics or any other relevant Business-Related Diploma
• Experience as in Sales and Marketing more especially in the Micro finance Sector.
• Working in a client-facing sales role, in educational profession is highly desired.
• Basic mathematics and analytical skills required, writing, reading and comprehension skills, attention to details.
• Strong customer orientation.

COMPETENCIES

• Analytical
• Problem Solving -
• Technical Skills
• Interpersonal Skills
• Motivation
• Planning/Organizing
• Quality

LANGUAGE SKILLS

English and any local language of the area in which the branch is located.

How to Apply

If you meet the above criteria, send your CV, Qualifications, copy of NRC and Cover letter to the following email:

Only shortlisted candidates will be contacted

ABOUT THE ROLE

GS Cash Advance Limited is looking for motivated, ambitious and customer-focused individuals to join our team as Trainee Loan Consultant Interns.

The successful candidates will support the growth and smooth operation of our branches by promoting our salary advance products, acquiring and serving customers, conducting loan assessments, following up on repayments and contributing to the achievement of branch sales and business targets.

KEY RESPONSIBILITIES

• Promote and market GS Cash Advance salary advance products.
• Achieve assigned sales, customer acquisition and revenue targets.
• Identify and acquire new customers while maintaining strong relationships with existing clients.
• Arrange client appointments and conduct loan assessments in line with company credit policies.
• Screen and verify loan applications to ensure accuracy and completeness.
• Support the processing and disbursement of approved salary advances.
• Monitor loan repayments and follow up with clients on unpaid loans.
• Deliver excellent customer service and respond professionally to customer enquiries.
• Receive and manage customer feedback while escalating complex complaints to the appropriate supervisor.
• Participate in branch marketing, outreach and customer acquisition activities.
• Maintain accurate loan and customer documentation in line with company requirements.
• Adhere to cash management, risk management and internal control procedures.
• Work closely with Branch Managers, Senior Loan Consultants, Marketing teams and other stakeholders.
• Identify opportunities to improve sales, processes and customer experience.
• Exercise sound judgment while operating within company policies, procedures and credit guidelines.

MINIMUM QUALIFICATIONS & REQUIREMENTS

Applicants should have:

• A Full Grade 12 Certificate.
• A minimum of a Diploma, preferably a Bachelor’s degree in Banking & Finance, Economics, Business Administration, Accounting, or another relevant commercial field from a recognized institution.
• Excellent written and verbal communication skills.
• Strong analytical and problem-solving abilities.
• High levels of integrity, professionalism and accountability.
• Good knowledge of banking, accounting or financial services.
• Good computer skills and the ability to use different computer applications.
• Fluency in English and at least one local language.
• A strong customer-service and sales mindset.
• The ability to work under pressure and meet set targets.
• A willingness to learn, take initiative and work effectively as part of a team.

THE IDEAL CANDIDATE

We are looking for someone who is energetic, disciplined, confident, trustworthy and results oriented. You should enjoy working with people, building customer relationships, selling financial products and taking ownership of your performance.

This is an excellent opportunity for someone looking to build a career in financial services, sales and customer relationship management.

HOW TO APPLY

Send your application to:

Overall Purpose of the Role:

The Field Inspection Officer will be responsible for conducting pre-disbursement and post-disbursement field inspections for Yenza Na LOLC clients. The role involves visiting client residences and business premises to verify information, assess parking facilities for financed vehicles, collect GPS coordinates, and provide accurate inspection reports to support credit decision making.

Job Responsibilities:

• Visit clients’ homes and business premises to verify residential and business addresses
• Confirm the authenticity of client information provided in loan applications
• Assess and verify the parking location where financed vehicles will be kept
• Capture and submit GPS coordinates of client’s residence, business premises, and vehicle parking location
• Take photographs of residences, business premises, and parking facilities as required
• Complete inspection checklists and prepare detailed field verification reports
• Submit inspection findings within the agreed turnaround times
• Report any discrepancies, potential fraud indicators, or risks identified
• Maintain accurate records of all inspections conducted
• Ensure company motorcycles are operated responsibly and maintained in good condition
• Adhere to all road safety regulations and company policies

Qualifications & Experience

• Grade 12 Certificate
• Diploma in Business, Sales, Marketing, or any related field
• Previous sales experience will be an added advantage
• Valid motorcycle rider’s licence
• At least 1 year experience in field verification, collections, delivery services, or related role
• Good knowledge of local routes and geographical areas
• Ability to use smartphones and digital reporting tools
• Strong communication and interpersonal skills
• High level of integrity, professionalism, and attention to detail

Key Competencies

• Attention to detail
• Time management
• Problem solving skills
• Customer service orientation
• Ability to work independently
• Report writing and documentation skills

HOW TO APPLY

Only short-listed candidates will be contacted.

About Us

We are a Non-Bank Micro Finance Company in Zambia, seeking an experienced and dynamic HR Generalist to join our team.

Job Summary

The HR Generalist will run day-to-day human resource functions across the entire employee lifecycle. The ideal candidate ensures full corporate compliance with Zambian labor statutes, coordinates recruitment, processes local benefits, and fosters a productive work environment.

Key Responsibilities

• Legal Compliance: Align all company employment policies, disciplinary actions, and terminations in line with the Zambian Employment Code Act, 2019.
• Statutory & Payroll Support: Coordinate employee records with the finance team to guarantee timely compliance with NAPSA, NHIMA, PAYE, and Workers' Compensation (WCFCB).
• Recruitment & Hiring: Manage end-to-end local hiring, draft employment contracts, and run complete onboarding programs.
• Employee Relations: Manage employee grievances, chair internal disciplinary committees, and document local labor dispute hearings.
• Leave & Welfare: Track statutory leave balances including annual, sick, maternity, paternity, and mandatory compasionate leave.
• Workplace Policies: Implement workplace codes of conduct covering health, safety, wellness, and anti-harassment standards.

Requirements & Qualifications

• Professional Registration: Must be a paid-up member of ZIHRM with a current, valid practicing license.
• Education: Degree or Diploma in Human Resource Management, Industrial Relations, or Business Administration.
• Experience: 1-2 years of progressive HR experience within Zambia.
• Sector Advantage: Prior HR experience working within the Mining industry or the Non-Banking Financial Services (NBFI) sector is an added advantage.
• Legal Knowledge: Strong working knowledge of the Employment Code Act of 2019 and the Industrial and Labour Relations Act.
• Tech Skills: Proficiency with MS Excel and local HRIS or payroll systems

HOW TO APPLY

To apply, please send your application to:

Please indicate the name of the position in the subject line of the e-mail: Human Resources (HR) Generalist

Company Overview

We are a Non-Bank Micro Finance Company in Zambia, seeking an experienced and strategic Finance and Administration Manager to join our executive team.

Job Summary

We are looking for a highly skilled and seasoned Finance & Administration Manager to oversee all financial and administration aspects of our organization. The successful candidate will be responsible for providing strategic financial and administration leadership, driving business growth, and ensuring the company’s financial health and sustainability.

Key Responsibilities

• Develop and implement comprehensive financial strategies to drive business growth and profitability.
• Provide strategic financial guidance and leadership to the executive team.
• Oversee all financial operations, including financial planning, budgeting, forecasting, and reporting.
• Ensure compliance with financial regulations and laws.
• Foster relationships with investors, financial institutions, and other stakeholders.
• Lead and manage the finance team.
• Oversee accounts payable, accounts receivables, payroll and general ledger maintenance.
• Coordinate internal and external audits and fix any found issues.
• Manage office facilities, equipment, procurement and vendor contracts.
• Handle staff benefits administration payroll.

Requirements

• Professional qualification as an Associate or Fellow of the Zambia Institute of Chartered Accountants (ZICA). Must possess a Bachelors in Finance, Accounting, or related field.
• Minimum 5 years of experience in a senior financial leadership role in a non-banking financial institution or microfinance.
• Proven track record of driving business growth and improving financial performance.
• Strong strategic thinking, leadership, and communication skills.
• Excellent analytical and problem-solving skills.
• Familiar with banking software and operating skills.

How to Apply

To apply, please send your application to:

Please indicate the name of the position in the subject line of the e-mail: FINANCE MANAGER

Company Overview

We are a Non-Banking Micro Finance Company in Zambia, seeking a dynamic loan officer to join our team.

JOB PURPOSE

The purpose and role of the position is to vet Loan applications, recommend them for approval, and ensure excellent customer service delivery.

RESPONSIBILITIES

• Achieve sales targets as set on a monthly basis.
• Maintain excellent Customer service and care.
• Achieve 100% collection target for all loans issued.
• Ensure that Customers are served within the stipulated turnaround time (TAT).
• Accurate data capture of reports and loan applications in the system.
• Ensure compliance to all company policies and procedures.
• Ensure the precise and persuasive promotion of all products.
• Customer Retention/ Stakeholder Management.
• Review credit scores, income, debts, and asset documents to assess a borrower's risk and ability to repay.

SKILLS AND REQUIREMENTS

• Analytical Skills: strong ability to review financial records and calculate risk.
• Attention to detail: Precision in handling legal paperwork and preventing processing errors.
• Grade 12 School Certificate
• Business Degree or Higher Level Diploma, or any other professional qualification in a related field
• Experience in Sales and Marketing
• Minimum 2 years working experience in micro finance, or banking institution is an added advantage

HOW TO APPLY

To apply, please send your application to:

Please indicate the name of the position in the subject line of the e-mail: LOAN OFFICER

Broadleaf Credit is looking for motivated and results-oriented individuals to join its team as Loan Consultants.

KEY RESPONSIBILITIES

• Source, assess and process loan applications
• Conduct client due diligence and credit risk assessments
• Promote loan products and grow the client portfolio
• Manage client relationships and support loan repayments/recoveries
• Meet sales, disbursement and portfolio targets

🎓 REQUIREMENTS

• Diploma or Degree in Banking, Finance, Business, Accounting or a related field
• Experience in sales, lending or microfinance is an added advantage
• Strong knowledge of the Solwezi local business environment
• Excellent communication, sales and negotiation skills
• Must be based in Solwezi or willing to relocate

📩 HOW TO APPLY

Send your CV and relevant qualifications to:

Only shortlisted candidates will be contacted.

Broadleaf Credit Limited is seeking two (2) experienced and results-driven Branch Supervisors to join our team. One position is available in Kabwe and one in Solwezi.

Job Purpose

The Branch Supervisor is responsible for overseeing the day-to-day operations of the branch, supervising staff, driving business growth, ensuring portfolio quality, and maintaining high standards of customer service and compliance.

The role focuses on achieving branch performance targets, managing risk, supporting staff development, and ensuring operational excellence in line with company policies and strategic objectives.

Key Duties and Responsibilities

• Supervise and provide leadership to Loan Officers and other branch staff.
• Drive branch business growth through marketing, client acquisition, and portfolio expansion.
• Monitor branch performance against disbursement, collections, portfolio quality, and profitability targets.
• Review and approve loan applications within delegated authority limits and recommend higher-value applications for approval.
• Ensure proper credit appraisal, loan documentation, and adherence to lending policies and procedures.
• Monitor portfolio quality and implement strategies to minimize delinquency and loan losses.
• Oversee recovery and collections activities to ensure timely loan repayments.
• Conduct regular branch performance reviews and provide coaching, mentorship, and training to staff.
• Prepare and submit accurate operational, financial, and portfolio performance reports.
• Ensure compliance with company policies, internal controls, risk management guidelines, and regulatory requirements.
• Manage customer relationships and resolve escalated customer concerns professionally.
• Coordinate branch marketing campaigns, community engagement, and business development initiatives.
• Monitor competitor activities and market trends and recommend strategies to strengthen market presence.
• Ensure proper safeguarding of branch assets, records, and confidential information.
• Foster a positive work environment that promotes teamwork, accountability, and professional development.
• Maintain an open-door culture where employees feel supported in discussing work-related challenges affecting performance.
• Perform any other duties assigned by Management.

Key Performance Areas (KPAs)

Performance will be measured against, but not limited to:

• Achievement of branch loan disbursement and growth targets.
• Growth in active customer base.
• Branch portfolio quality and Portfolio at Risk (PAR).
• Collections efficiency and recovery performance.
• Branch profitability and operational efficiency.
• Staff productivity and performance management.
• Compliance with company policies and regulatory requirements.
• Customer satisfaction and retention.
• Accuracy and timeliness of branch reporting.
• Employee engagement, development, and retention.

Minimum Qualifications and Experience

• Diploma or Bachelor's Degree in Banking and Finance, Business Administration, Economics, Accounting, Marketing, or a related field.
• Minimum of 3 years' experience in microfinance, banking, lending, or financial services, with at least 1 year in a supervisory or leadership role.
• Strong understanding of credit analysis, loan portfolio management, and collections.
• Proven ability to lead, motivate, and develop teams.
• Strong business development and relationship management skills.
• Excellent communication, negotiation, and problem-solving abilities.
• Ability to work under pressure and consistently achieve performance targets.
• Computer proficiency, including Microsoft Office applications.
• Knowledge of microfinance regulations and industry best practices will be an added advantage.

How to Apply

Interested and suitably qualified candidates should submit their Cover Letter and CV to:

Hr@broadleafcredit.co.zm

Please clearly indicate the position and preferred location (Kabwe or Solwezi) in your application

Broadleaf Credit Limited is seeking three (3) motivated and results-driven Loan Consultants to join our team in Solwezi.

Key Responsibilities

• Source, assess, and process loan applications from prospective clients.
• Conduct client due diligence and basic credit risk assessments.
• Promote the company’s loan products and grow the client portfolio.
• Build and maintain strong relationships with new and existing clients.
• Deliver excellent customer service by understanding customer needs, resolving queries promptly, and maintaining positive customer relationships.
• Follow up on loan repayments and support timely loan recovery.
• Maintain accurate client records and ensure proper documentation.
• Meet assigned sales, disbursement, and portfolio performance targets.
• Ensure compliance with company lending policies and applicable regulatory requirements.
• Prepare accurate reports on client activities, loan applications, and portfolio performance.
• Conduct market outreach and identify new business opportunities within the assigned area.

Requirements

• Diploma or Degree in Banking and Finance, Business Administration, Accounting, Economics, or a related field.
• Previous experience in sales, lending, microfinance, banking, or a related role will be an added advantage.
• Strong knowledge of the local business environment in Solwezi.
• Excellent communication, customer service, and negotiation skills.
• Strong sales and business development abilities.
• Ability to work independently and meet targets.
• Good record-keeping and reporting skills.
• Must be based in Solwezi or willing to relocate.

How to Apply

Interested and suitably qualified candidates should submit their CV and relevant qualifications to:

Email: Hr@broadleafcredit.co.zm

Tandizani Solutions Zambia Ltd. is a leading financial services provider seeking qualified and driven individuals to join our growing lending team.

1. SENIOR LOAN OFFICER

Key Responsibilities:

• Assess and appraise loan applications for individuals and SMEs
• Manage a portfolio of clients and maintain loan book quality
• Approve loans within delegated authority and recommend to management
• Monitor repayments, manage arrears, and drive recovery
• Mentor and supervise Assistant Loan Officers
• Build and maintain strong client relationships
• Ensure compliance with company policies and regulatory requirements

Requirements:

• Diploma/Degree in Banking, Finance, Economics, or related field
• Minimum 2-3 years lending experience in microfinance/banking
• Previous senior role experience is an added advantage
• Strong credit and financial analysis skills
• Excellent negotiation, communication, and leadership skills
• Valid driver’s license. Field work required
• Target-driven with high integrity

2. ASSISTANT LOAN OFFICER

Key Responsibilities:

• Source new clients through field marketing and referrals
• Conduct client appraisals, business visits, and data collection
• Prepare loan applications and ensure proper documentation
• Support loan disbursements and follow up on repayments
• Assist with collections and maintain accurate client records
• Provide excellent customer service

Requirements:

• Certificate/Diploma in Business, Banking, Finance, or related field
• 1-2 years experience in lending, sales, or customer service is an advantage
• Good numeracy and computer skills
• Self-motivated, outgoing, and able to work in the field
• Valid driver’s license. Own transport is an added advantage
• Integrity and ability to meet targets

HOW TO APPLY

Interested candidates should submit a CV, cover letter, and copies of certificates to:

Email: tandiza.solutions@gmail.com

Or hand deliver to: Plot No. 989, New Avondale, Lusaka

Closing Date: 8th September 2026

Only shortlisted candidates will be contacted.