The study aimed at credit management and organizational performance. a case study of centenary bank Kawempe branch and it was guided by the following objectives; To find out the effect of credit management on the financial performance of Centenary bank, to find out procedures which ensure the collection of debt, meeting of service targets and the prevention of escalation in arrear debt and to examine the financial performance of Centenary bank. The total population of the study was 100 people. Sampling was the process of selecting units (people, organizations) from a population of interest so that by studying the sample we may fairly generalize our results back to the population from which they were chosen and therefore, it comprised of staff of 10 employees, 2 managers, 38 customers who were randomly selected. The study established that majority of the respondents strongly agreed that interest rates charged affect performance of loans in the bank as shown by a mean of 1.28 (Ivan et al., 2023a), Credit committees involvement in making decisions regarding loans are essential in reducing default/credit risk as shown by a mean I .40 other agreed that, The use of credit checks on regular basis enhances credit management, Penalty for late payment enhances customers commitment to loan repayment as shown by a mean 1.64 in each case. The study also recommends that there is need for banks to enhance their client appraisal techniques so as to improve their financial performance. Through client appraisal techniques, the banks will be able to know credit worth clients and thus reduce their non-performing loans.