Relationship Officer - Microfinance

About the role

VisionFund Kenya, a microfinance arm of World Vision, is hiring a full-time Relationship Officer in Bomet, Kenya. The officer manages microfinance client relationships and credit collections, from client acquisition and credit assessment to loan disbursement, collections and client training. The salary is open.

Key responsibilities

• Recruit and onboard new clients, recommend loan products and achieve targets for new borrowers, repeat borrowers, outstanding loan balance and product uptake.
• Assess creditworthiness using the 5Cs of credit, prepare loan appraisal reports and ensure applications meet credit policy and documentation standards before disbursement.
• Monitor loan repayment schedules, use T24 reports (delinquency, client and group status) and manage collections, including early warning of delinquency and recovery actions.
• Maintain Portfolio at Risk within approved targets and escalate credit risks, suspected fraud and deteriorating repayment capacity.
• Deliver pre-loan and monthly post-loan training on business management, financial literacy and responsible borrowing, and provide business and financial advice.
• Run group meetings, keep attendance registers and documentation complete, and document business visits and appraisal discussions.
• Manage field activities and operational expenses within budget, and comply with credit policies, KYC, AML/CFT, data protection and client protection standards.

Required profile

• Diploma in Business Administration, Marketing, Sociology or a related field.
• Experience in microfinance, credit, sales, collections or customer relationship management is an added advantage.
• Willingness to travel extensively in the field, about 70% of working time, and to ride a motorbike where required, with the appropriate licence.
• Commitment to VisionFund Kenya's Christian identity and professional standards.

Required skills

• Sound understanding of lending principles, credit assessment and responsible lending.
• Analytical, numerical and problem-solving skills, and computer literacy with willingness to learn financial systems such as T24.
• Excellent communication, negotiation and customer service skills.

To apply, candidates register through the corporate staffing services page of the listing.