Head of Operations & Loans – PRETAG

Job Description

Job Purpose 

To oversee the Fund’s front-line operations, including membership services, loan origination, and loan 

recovery, ensuring efficient service delivery, sound credit quality, and achievement of operational 

targets; and to serve as an alternate designated deputy to the Fund Manager. 

Key Duties and Responsibilities 

• Team Leadership & Supervision: Plan, direct, and supervise the daily activities of the Customer 

Service, Loan Officer, and Loan Recovery units. 

• Credit Quality & Loan Processing: Ensure loans are processed, appraised, and disbursed in 

accordance with the Fund’s loan policy. 

• Portfolio & Arrears Management: Monitor the loan portfolio and drive strategies to minimize 

non-performing loans. 

• Customer Experience Management: Oversee the end-to-end member journey, ensuring high 

satisfaction, rapid dispute resolution, and consistently high standards of service. 

• IT & Communications Oversight: Supervise the IT and Communications Officer’s management 

of the Fund’s systems, digital channels, and member communications, and escalate significant IT 

FindMedia Degrees

risks or incidents to the Administrator. 

• Performance Target Setting: Set and monitor performance targets for operations staff, covering 

disbursement, recovery, and service turnaround times. 

• Reporting & Insights: Analyse operational data to track key performance indicators and prepare 

comprehensive operational reports for the Administrator. 

• Compliance & Quality Assurance: Ensure operational compliance with the Fund’s policies, 

procedures, and applicable regulatory requirements. 

• Risk Identification: Identify and escalate operational risks and recommend appropriate corrective 

action. 

• Process Optimization: Establish, refine, and maintain efficient operational procedures to 

minimize loan turnaround times and improve workflow efficiency. 

• Team Management & Mentorship: Coach, supervise, and appraise operations staff, fostering a 

culture of accountability and continuous improvement. 

• Succession Readiness: Serve as an alternate designated deputy to the Fund Manager, maintaining 

working knowledge of Fund-wide strategic, financial, and governance matters, and standing in for 

the Fund Manager when the Administrator is unavailable to do so. 

Qualification and Experience 

• Master’s degree in Business Administration, Banking and Finance, or a related field 

• Minimum of 8-10 years’ experience in banking, microfinance, or savings and loans operations or 

related field, with at least 3 years in a supervisory role 

• Sound understanding of credit/loan management principles 

• Professional certification (e.g. ACCA, ICA-Ghana, CFA, CISI-GISI) is an added advantage 

Skills and Competencies 

•   Strong leadership and team management skills 

•  Sound credit and risk assessment knowledge 

•  Excellent customer service orientation 

•  Analytical and problem-solving skills 

•  Good communication and reporting skills 

•  Proficiency in loan management/core banking software

How to Apply 

Qualified and interested applicants should submit their Application Letter and CV via one of the 

following methods: 

• In-Person: Drop off at the PRETAG Fund Office 

• Email: cctfundconfidentials@gmail.com 

Important Note: Please ensure your application is submitted by the deadline on November 22,2026. 

Due to the high volume of applications, only shortlisted applicants will be contacted.