Job Summary

The Relationship Officer is responsible for identifying potential clients, promoting credit products, and managing customer relationships to drive loan disbursement and ensure timely repayments. This role involves sales, client acquisition, relationship management, risk assessment, and portfolio management while maintaining compliance with company policies and regulatory requirements.

Responsibilities

Sales & Business Development:

• Identify and acquire new clients through direct sales, referrals, and field
• Relationship Management for Proper KYC and KYB
• Promote the company’s credit products and services, explaining features and benefits to potential customers.
• Build and maintain strong relationships with existing clients to encourage repeat business and referrals.

2. Credit Assessment & Loan Processing:

• Assist clients in completing loan applications and gather necessary
• Conduct preliminary credit assessments to evaluate a client’s ability to repay the
• Submit loan applications for approval and follow up on the disbursement

3. Client Management & Collections:

• Monitor clients’ repayment behavior and ensure timely loan
• Proactively engage customers who may face repayment challenges and provide
• Work with the collections team to manage delinquent accounts and recover outstanding loans.

4. Compliance & Reporting:

• Ensure all transactions adhere to company policies, procedures, and regulatory
• Maintain accurate records of client interactions, loan applications, and sales
• Provide daily, weekly, and monthly reports on sales performance, client portfolio, and

Key Qualifications & Skills:

• Education: Diploma or Bachelor’s degree in Finance, Business, Marketing, or a related field.
• Experience: At least 1–3 years of experience in credit sales, banking, microfinance, or a related industry.
• Strong sales and negotiation skills, with a proven ability to meet
• Knowledge of credit risk assessment and loan
• Excellent customer service and relationship management
• Ability to work independently and as part of a
• Proficiency in MS Office (Excel, Word, PowerPoint) and CRM