Relationship Officer - VisionFund Kenya Bomet Branch

About the role

VisionFund Kenya, a financial services company and key investment of World Vision Kenya, is hiring a Relationship Officer for its Bomet branch. The officer identifies clients, assesses their creditworthiness, recommends loan products, supports disbursements and collections, and provides client training and advice. This is a local fixed-term position.

Key responsibilities

• Recruit and onboard new clients, recommend loan products and achieve targets for new borrowers, repeat borrowers, outstanding loan balance and product uptake, applying the 5Cs of credit.
• Ensure loan applications meet credit policy and documentation standards, monitor repayments, use T24 reports and keep Portfolio at Risk within approved targets.
• Deliver pre-loan and monthly post-loan training on business management, financial literacy and responsible borrowing, and give business and financial advice.
• Manage group lending: attend group meetings, keep attendance registers, verify documentation and record business visits and appraisal discussions.
• Carry out loan appraisals: baseline surveys, business and cash-flow assessments, income verification and credit risk checks, and prepare appraisal reports.
• Monitor the portfolio, escalate credit risks and suspected fraud, and support delinquency reduction and borrower retention.
• Generate and interpret T24 reports, reconcile client and group records, explain balances and schedules to clients and manage field costs within budget.
• Comply with credit policies, KYC, AML/CFT, data protection and safeguarding standards, and never handle client cash outside authorised procedures.

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.
• Sound understanding of lending principles, credit assessment and responsible lending.
• Strong analytical, numerical and problem-solving skills, and excellent communication and negotiation skills.
• Ability to work independently in the field and to travel extensively, 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

• Computer literacy and willingness to learn financial systems, including T24.
• Target-driven performance and accuracy, integrity and discipline.