Job Purpose:
Reporting to the Relationship Manager for Business Banking, the Relationship Officer specializing in Bashar Banking is tasked with overseeing and coordinating all microbusinesses within their portfolio to ensure the bank’s strategic goals and objectives are met.
Oversee a diverse range of responsibilities to ensure operational excellence, including managing team workflows, optimizing processes, and driving project completion within established timelines. Serve as a primary point of contact for cross-functional collaboration, fostering clear communication and alignment across departments to achieve strategic objectives. Monitor performance metrics, analyze data trends, and implement corrective actions to maintain high efficiency and productivity levels. Lead initiatives to enhance quality standards, streamline resource allocation, and support continuous improvement efforts. Ensure adherence to company policies, regulatory requirements, and industry best practices while upholding a culture of accountability and professionalism.
Onboarding and customer management responsibilities involve guiding new clients through the integration process and ensuring their ongoing satisfaction with our services. This includes coordinating onboarding sessions, addressing client inquiries, and resolving any issues to facilitate a smooth transition into our platform. Additionally, maintaining strong relationships with customers through regular check-ins and proactive support is essential to fostering long-term engagement and retention.
Responsibilities include integrating retailers and customers into multiple Ecosystem value chains and digital platforms, such as WE and the JAZZY APP.
Proactively identify and engage potential leads to expand the customer base.
Build and sustain customer relationships through strategic outreach initiatives aimed at fostering long-term retention and satisfaction.
Leverage current collaborations to grow the client portfolio.
Loan Processing and Compliance involves ensuring all loan applications are reviewed, verified, and processed in accordance with established policies and regulatory guidelines. This role requires meticulous attention to detail to confirm accuracy in documentation, eligibility criteria, and adherence to compliance standards. Responsibilities include validating borrower information, assessing creditworthiness, and coordinating with underwriters to finalize loan approvals. Additionally, the position demands a thorough understanding of federal and state regulations, as well as internal procedures, to mitigate risks and maintain organizational integrity.
Our team is seeking a dedicated professional to assist clients throughout the loan application process, conducting on-site evaluations—such as business and residential visits—to authenticate financial details and collateral.
Facilitate prompt loan approval and timely disbursement in adherence to established Service Level Agreements (SLAs).
Present and secure client requests for approval, ensuring all security protocols are meticulously followed throughout the disbursement process.
Promptly address and initiate appropriate recovery actions for accounts that have exceeded their payment due dates.
Marketing and Sales professionals are responsible for developing and implementing strategic initiatives to promote products or services, enhance brand visibility, and drive revenue growth. They conduct market research to identify consumer trends, analyze competitors, and assess customer needs, ensuring data-driven decision-making. Additionally, they design and execute marketing campaigns across various channels, including digital, print, and social media, while collaborating with cross-functional teams to align messaging and optimize performance. Key responsibilities include managing client relationships, negotiating contracts, and achieving sales targets through effective communication and negotiation skills. Proficiency in CRM systems, marketing analytics tools, and sales methodologies is essential, along with a strong understanding of market dynamics and customer behavior.
Engage in proactive marketing initiatives to attract and onboard new customers into the organization’s ecosystem.
Identify opportunities to promote additional banking products to customers and enhance their engagement by offering upgraded services and solutions.
Build networks of partners and collaborators by utilizing existing connections and fostering mutually beneficial alliances.
Ensuring compliance with established policies and maintaining adherence to training protocols are critical responsibilities of this role. The position requires strict observance of all regulatory and organizational guidelines to uphold operational integrity and professional standards. Regular participation in training sessions and continuous professional development are essential to remain current with industry best practices and evolving regulatory requirements.
Deliver comprehensive training sessions to branch staff covering Bashar Banking lending policies, operational procedures, and newly introduced products.
Serve as the primary steward of the bank’s policy framework within the branch, guaranteeing strict adherence to established credit guidelines and regulatory requirements.
Provide courteous and efficient customer service and support by addressing inquiries, resolving issues, and ensuring a positive experience for clients through various communication channels, including phone, email, and live chat.
Deliver exceptional customer service, expedite loan processing procedures, and furnish timely responses to loan applications.
Work collaboratively with both internal and external stakeholders within the branch setting.
Engage clients to participate in financial literacy training sessions and provide guidance on maintaining accurate financial records.
Portfolio and Relationship Management entails overseeing and cultivating client relationships while ensuring the strategic alignment and performance optimization of assigned investment portfolios. This role involves conducting thorough financial analyses, monitoring market trends, and providing tailored recommendations to enhance portfolio growth and client satisfaction. Additionally, it requires maintaining clear communication with stakeholders, addressing inquiries promptly, and delivering comprehensive reports to track progress and outcomes. Strong analytical skills, proficiency in financial software, and a deep understanding of market dynamics are essential to excel in this position.
Maintain a current and dynamic portfolio management toolkit to facilitate efficient customer follow-ups.
Perform post-disbursement evaluations and establish baseline data for all customers to ensure comprehensive monitoring and assessment.
Responsible for collecting and documenting deposits, ensuring accuracy and compliance with established procedures while maintaining detailed records to support financial transparency and accountability.
Mobilize deposits through proactive engagement with current and prospective customers, leveraging a consultative sales approach to identify and fulfill their financial needs. Develop and execute strategic plans to attract new deposit accounts while maintaining strong relationships with existing customers to ensure retention and growth. Utilize market insights and competitive analysis to tailor offerings that meet evolving customer demands, thereby enhancing overall deposit portfolio performance. Collaborate with cross-functional teams to streamline processes, improve service delivery, and drive operational efficiency in deposit operations.
Qualifications
Holding a university degree, preferably in Education, Social Sciences, or a Business-related field.
Overall attainment of a C+ grade in Kenya Certificate of Secondary Education (GCSE) examinations serves as the fundamental academic requirement for this position.
With a minimum of three to four years of hands-on experience in the financial services sector—specifically in sales—this role requires a proven track record of engaging with clients and driving revenue growth. Candidates should possess a deep understanding of financial products, market trends, and regulatory compliance to effectively navigate client needs and deliver tailored solutions.
Proficiency in the microfinance sector is highly advantageous.
With a strong background in project management, candidates possessing skills in monitoring and evaluation will be particularly advantageous.
Demonstrates a high level of originality, inventive thinking, and adaptability in problem-solving.
Strong proficiency in fostering and maintaining business relationships, coupled with adeptness in negotiating and finalizing agreements.
Proven capability in formulating, organizing, and carrying out initiatives in alignment with established business strategies.
Exceptional interpersonal abilities with a proven track record in resolving conflicts effectively.
Exceptional ability to provide effective training and coaching, ensuring team members develop necessary skills and knowledge.
Exceptional ability to communicate clearly, deliver compelling presentations, and negotiate effectively.
Demonstrates exceptional proficiency in analytical thinking and effective problem resolution.
Qualifications
BA/BSc/HND , KCSE
Experience Required
3 - 4 years
