Head - SME Credit & Recovery



Learn About Farmerline

Farmerline is dedicated to reimagining how the world thinks about and invests in the livelihoods of small-scale farmers. Our mission is to create lasting profits for farmers everywhere. We approach challenges with bold and systemic thinking while maintaining a lean and nimble operation. 

Farmerline was founded in 2013, has been a fast growing Agtech company in Africa. The company has raised over $20 million since incorporation. Farmerline’s digital marketplace combines logistics, field agents, farm resources and agribusiness partnerships to support African farmers. We have reached 1.7M farmers by deploying our tools and services through 3,000+ strategic partners across 48 countries. 

Impact assessments show that averagely we increase yield by ~2X and $306 increase in net income. Our technology platform Mergdata is licensed or white labelled to development partners, global food traders and governments who use its customisable tools to improve the lives of farmers around the world

We foster a learning organization where you will have the opportunity to apply your ideas and creativity to solve problems on a daily basis. If you are drawn to a dynamic, collaborative culture, set high standards, and tackle challenges with determination and to make a positive impact on millions of lives, Farmerline is the perfect environment for you to thrive. 



Job Title

SME Credit & Recovery 



Incumbent Supervisor


Suggested start date


Length of assignment


Role Overview

Connecting farmers to quality farm inputs and relevant information are key Farmerline’s interventions in creating lasting profit for the farmers we serve while creating jobs for micro-entrepreneurs in the value chains we work in. For this, we are recruiting experienced agricultural/business professionals to scale our reach to thousands of farmers through agribusinesses, well-established farmer cooperatives and agro input dealers. The Head - SME Credit & Recovery will lead in assessing the credit worthiness of all Farmerline clients, monitoring and timely recoveries of all credit facilities. Ultimately,  the SME Credit Manager ensures that Farmerline has sustained business with SMEs, working for smallholder farmers to make a lasting profit. 



SME Appraisal & Credit Scoring

  • Develop credit assessment indicators appropriately highlighting relevant risks (e.g. market risk, business risk, and financial risk)
  • Review and recommend applications for lending including extraction and interpretation of financial data from existing and potential clients.
  • Conduct credit appraisal and make data/evidence based recommendations to approving authorities.
  • Prepare a contingency plan to prevent and cope with credit risk and other related operational risks to ensure good quality credit portfolios

Credit Recovery

  • Develops and implements an effective strategy for the timely and full recovery of credits from SMEs.
  • Reviews sales and credit policy annually to improve recovery rates.
  • Constantly monitor clients repayment schedules to capture overdue payments and put in measures to mitigate bad debt situations to the barest minimum.
  • Foresees and forestalls loan defaults after disbursements to SMEs.
  • Lead the  recovery of all customer debts

Account Management for SME

  • Highlights and updates the approving authorities of any changes in the risk profile based on important risk indicators (financial, market, transactional, etc.)
  • Establishes and maintains a close working relationship with the sales team in order to properly assess, understand & satisfy customer needs.
  • Revises existing and develops new training materials for SMEs and tailored to specific value chains, especially in cash flow based lending, loan underwriting, product development and risk management.
  • Work closely with unit managers to ensure effective communication on credit policies, processes and procedures. 
  • Collaborate with proposal writing teams and acts as lead technical writer on SME lending related documents.


  • Stays informed of technical and strategic advances in the MSME, banking and finance industries that may have an impact on current and new business opportunities.
  • Cooperates with and facilitate work of internal audit within SME credit/risk management to address gaps, and respond to audit reports within agreed deadlines.
  • Develops new business opportunities, leads inter-departmental teams for conducting market research, negotiating loans, designing loan guaranty facilities, and drafting technical assistance agreements with funders.
  • Review and update the company’s credit policy when necessary 
  • Train team on recovery processes/procedures/policies.
  • Upholds the values of Farmerline as an agriculture focused social enterprise.

Required Qualifications

  • Master’s degree in Business, Banking, International Development or Finance.

Other Qualities and Requirements

  • Minimum of 5 years professional experience in SME credit management function  in Ghana ideally with agriculture and farmer based businesses; lending , recovery section of a bank or MFI
  • Significant experience in a  senior management role preferred.
  • Good knowledge of or working experience with agro input dealers and outgrower businesses in Ghana
  • Deep understanding of farmer engagement and farmers’ interaction with regards to credits.
  • Strong leadership experience and ability to lead a team in executing projects and exceeding targets.
  • Excellent oral communication, writing and presentation skills.
  •  Demonstrate a high level of ethical commitment and trustworthiness.
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