Multiple Positions

Join PFL Limited-Microfinance:

Exciting Microfinance Jobs in Lusaka PFL Limited-Microfinance, a rapidly expanding institution based in Lusaka, Zambia, is committed to empowering MSMEs and smallholder farmers through innovative financial solutions tailored to the agricultural sector.

We are currently recruiting for multiple full-time positions to support our mission of fostering sustainable economic growth by aligning financial inclusion with agricultural cycles. Explore these microfinance jobs in Lusaka and contribute to transforming rural economies.

Available Positions and Role Overviews Monitoring and Evaluation Officer The Monitoring and Evaluation (M&E) Officer will develop and maintain systems to measure loan performance, social impact, and agricultural productivity.

This role also leads capacity-building initiatives for staff and farmer clients to enhance financial literacy and agronomic skills.

Key Responsibilities:

• Design and manage M&E frameworks including KPIs and impact metrics focused on agribusiness lending.
• Develop digital and physical tools for socio-economic and agronomic data collection and conduct field surveys.
• Analyze data to assess loan outcomes and social/environmental impact, producing detailed reports for management and donors.
• Coordinate training programs for farmers and staff, including logistics, curriculum development, and partner engagement.
• Translate M&E findings into actionable insights to improve loan products and document success stories.

Qualifications and Experience:

• Bachelor’s degree in Economics, Agricultural Economics, Statistics, Development Studies, Business Administration, or related field.
• Minimum 2 years’ experience in M&E within microfinance, rural banking, or agribusiness development.
• Proficiency in MS Excel, statistical software (SPSS, Stata, R), and digital data collection tools (ODK, KoboToolbox).
• Strong agribusiness knowledge and excellent cross-cultural communication skills.
• Willingness to travel frequently (up to 50%) to rural areas.
• Loan Officer The Agricultural Loan Officer will manage a portfolio of loans targeting smallholder farmers, cooperatives, and agribusinesses.

This role involves client outreach, credit appraisal, risk assessment, and portfolio monitoring to ensure timely repayments aligned with agricultural cycles.

Key Responsibilities:

• Identify and recruit eligible clients, conduct community sensitization on loan products and financial literacy.
• Perform on-farm appraisals, assess production capacity, and analyze seasonal cash flows for loan suitability.
• Prepare loan appraisal reports, ensure timely disbursements, and conduct monitoring visits throughout production cycles.
• Manage loan collections and maintain low Portfolio at Risk (PAR).

Qualifications and Experience:

• Bachelor’s degree in Agribusiness, Agricultural Economics, Agronomy, Finance, Business Administration, or related field.
• At least 2 years’ experience as a Loan or Credit Officer in a microfinance institution or micro-lending bank.
• Proven experience with agricultural lending portfolios and working with rural, low-income populations.
• Valid driving or riding license with willingness to travel on rural roads.
• Competency in using tablets and mobile banking applications for loan processing.
• Finance Manager The Finance Manager will oversee daily financial operations, ensure accurate accounting, and manage cash flows specific to agricultural lending.

This role includes financial reporting, compliance, and treasury management within the microfinance environment.

Key Responsibilities:

• Maintain general ledger and perform reconciliations of bank accounts and digital wallets.
• Manage cash flow for seasonal agricultural loan disbursements and revolving funds.
• Supervise cash handling, payments, payroll, and statutory deductions.
• Prepare monthly, quarterly, and annual financial statements and coordinate audits.

Qualifications and Experience:

• Bachelor’s degree in Accounting, Finance, Economics, or related business field.
• Partial or full professional accounting certification (e.g., ACCA, CIMA, CA, ZICA, CPA) preferred.
• Minimum 3 years’ experience in finance or accounting within a microfinance institution or similar.
• Experience with agricultural loan products and microfinance loan tracking systems.
• Operations Manager The Operations Manager will lead credit operations, focusing on agricultural financial products, team supervision, risk mitigation, and portfolio growth.

This role ensures operational compliance and fosters partnerships to support value-chain financing.

Key Responsibilities:

• Manage appraisal, approval, and disbursement of agricultural loans aligned with cash flow cycles.
• Lead and train field supervisors and loan officers to maintain policy adherence and service quality.
• Monitor Portfolio at Risk and implement strategies to mitigate defaults during seasonal or market challenges.
• Develop and refine microfinance products tailored to agricultural needs.
• Ensure compliance with internal policies, regulatory requirements, and consumer protection laws.
• Collaborate with agricultural suppliers, buyers, and extension agents to reduce loan risk.

Qualifications and Experience:

• Bachelor’s degree in Agribusiness, Agricultural Economics, Finance, Business Administration, or related field; MBA or microfinance certification is advantageous.
• Minimum 5 years’ experience in microfinance or credit sector with at least 3 years in a supervisory role.
• Proven expertise in agricultural credit product management and understanding of smallholder farming dynamics.
• Proficiency in core banking systems, mobile money integration, and portfolio analytics tools.

How to Apply for Microfinance Jobs in Lusaka Interested candidates are invited to submit a single document containing a cover letter, CV, and relevant qualifications via the online application form: https://docs.google.com/forms/d/e/1FAIpQLSeLI3efgYGpkuPLQdt6sOT_oLD_dpuj93vnaZHRbS6wjSFO7g/viewform Please ensure your application is submitted before the closing date:

• Friday, 3rd July 2026.

About PFL Limited-Microfinance PFL Limited-Microfinance is a forward-thinking institution dedicated to supporting MSMEs and agricultural enterprises through tailored credit solutions. By integrating digital financial services with agricultural value-chain partnerships, we empower smallholder farmers, cooperatives, and SMEs to achieve sustainable growth and financial inclusion aligned with agricultural cycles.