Relationship Officer – World Vision Kenya
Job Purpose
To drive client recruitment, loan portfolio growth, and financial inclusion by conducting credit appraisals, managing group relationships, ensuring rigorous portfolio monitoring, and delivering pre- and post-loan training in compliance with microfinance credit policies and ethical standards.
Roles & Responsibilities
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Sales, Marketing & Client Recruitment: Identify, recruit, and onboard new clients, assess client needs, and achieve assigned targets for new borrowers, repeat borrowers, and outstanding loan balance (OLB) while applying the 5Cs of credit.
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Loan Disbursement, Collections & Portfolio Quality: Ensure loan applications meet credit and documentation standards, monitor repayment schedules, conduct follow-ups using T24 reports, manage arrears eligibility, and maintain Portfolio at Risk (PAR) within targets.
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Client Training & Advisory Services: Conduct pre-loan training and monthly post-loan sessions covering business management, financial literacy, and responsible borrowing to promote client satisfaction, retention, and transformation.
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Group Management & Client Relationships: Attend scheduled group meetings, maintain attendance registers and documentation, monitor group activities and repayment commitments, and conduct client business visits before and after disbursement.
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Loan Appraisal & Administration: Conduct baseline surveys and creditworthiness evaluations through business assessments, cash-flow analysis, and income verification; facilitate group credit committees; and prepare accurate loan appraisal reports.
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Portfolio Monitoring, Risk & Data Management: Monitor portfolio growth and repayment quality; identify and escalate credit risks or fraud; utilize T24 reports for portfolio tracking; reconcile records; and ensure data management compliance.
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Income Generation, Compliance & Ethics: Drive income targets while managing field expenses; comply with KYC, AML/CFT, data protection, and client protection standards; maintain strict integrity regarding cash handling; and report policy breaches promptly.
Qualifications
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Diploma in Business Administration, Marketing, Sociology, or a related field.
Skills, Experience & Competences
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Relevant experience in microfinance, credit, sales, collections, or customer relationship management (for Relationship Officer applicants; willingness to learn and interest in microfinance for Relationship Intern applicants).
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Sound understanding of lending principles, credit assessment using the 5Cs of credit, client relationship management, and responsible lending practices.
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Strong analytical, numerical, problem-solving, communication, negotiation, and customer service skills, with the ability to work in a target-driven environment.
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Computer literacy and willingness to learn financial systems like T24, alongside high levels of integrity, accountability, and reliability.
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Willingness and ability to undertake extensive field travel (approximately 70% of working time) and ride a motorbike where required, subject to appropriate licensing and safety standards.