The Relationship Officer is responsible for driving customer acquisition, promoting credit products, and maintaining strong client relationships to achieve business growth. The role combines direct sales, marketing, and portfolio management responsibilities, ensuring clients are provided with tailored credit solutions while maintaining high levels of satisfaction and compliance with lending policies.

Key Responsibilities

Sales & Marketing


Identify and generate new business opportunities through prospecting, referrals, and market activations.
Actively promote and market credit products (personal loans, SME/business loans, salary advances, Asset Financing, and LPO's).
Develop and implement strategies to increase product awareness and customer engagement.
Organize field marketing activities, campaigns, and presentations to attract potential customers.
Track and report sales performance against targets.


Relationship Management


Build and maintain strong, long-term relationships with customers to drive loyalty and repeat business.
Understand customer needs and recommend appropriate credit solutions.
Provide excellent after-sales support and resolve client queries promptly.
Cross-sell other financial products and services where applicable.


Credit & Portfolio Management


Screen, process, and recommend credit applications in line with company credit policy.
Conduct preliminary credit appraisals and ensure all required documentation is accurate.
Monitor and manage loan portfolio to ensure quality and minimize default risk.
Support in recovery efforts, restructuring, and renegotiations when needed.


Qualifications and Skills


Bachelor’s degree in Business Administration, Marketing, Finance, Economics, or related field.
3–4 years’ proven experience in sales, marketing, or financial services (preferably in microfinance, retail banking, or fintech).
Strong knowledge of credit products, lending practices, and financial analysis.
Excellent sales, marketing, and negotiation skills.
Good communication and interpersonal abilities to build trust with clients.
Results-oriented with ability to meet and exceed sales and portfolio targets.
Proficiency in MS Office and CRM tools.
High integrity, resilience, and ability to thrive in a target-driven environment.