About the Role
Reporting to the Relationship Manager Business, the Relationship Officer - Biashara Banking has the responsibility to manage and coordinate all the Micro businesses under him/her to ensure the bank goals and objectives are achieved.
Key Responsibilities
Onboarding and Customer Management
- Onboard retailers and customers across various Ecosystem value chains and digital platforms (PWE, EAZZY APP, etc.).
- Identify prospective leads and recruit new customers.
- Conduct outreach and manage relationships for customer retention.
- Utilize existing partnerships to expand the customer base.
Loan Processing and Compliance
- Guide customers through the loan application process, including business and home visits to verify financial information and securities.
- Ensure timely loan approval and disbursement within SLAs.
- Present client requests for approval and manage security perfection and disbursement.
- Initiate recovery processes for overdue accounts.
Marketing and Sales
- Conduct marketing outreach to onboard new customers.
- Cross-sell and upsell bank products.
- Recruit ecosystems by leveraging established relationships.
Training and Policy Adherence
- Train branch staff on Biashara Banking lending policies, procedures, and new products.
- Ensure compliance with credit policies and act as the custodian of bank policy in the branch.
Customer Service and Support
- Provide high-standard customer service, fast-track loan processes, and give prompt feedback on loan requests.
- Liaise with internal and external stakeholders in the branch environment.
- Mobilize clients for financial literacy training and guide them on maintaining proper records.
Portfolio and Relationship Management
- Maintain an up-to-date portfolio management toolkit for efficient customer follow-up.
- Conduct post-disbursement visits and baseline all customers.
Deposit Mobilization and Documentation
Job Requirements and Qualifications
- University degree holder with preference in Education, Social sciences, or Business-related field.
- Overall mean grade of C+ in KCSE.
- 3-4 Years’ experience (selling experience) in the financial services sector.
- Experience in micro finance industry is an added advantage.
- Experienced in project management; Monitoring and evaluation is an added advantage.
- Exhibits an exceptional degree of ingenuity, creativity, and resourcefulness.
- Excellent business relationship management skills and business closure techniques.
- Ability to develop, plan, execute and implement according to laid business strategies.
- Excellent interpersonal skills and demonstrated conflicts resolution skills.
- Strong training /coaching skills.
- Strong communication, presentation, and negotiation skills.
- Strong analytical and problem-solving skills.
