Relationship Officer

Role Overview

This is a front-line lending and business development role covering the Malindi and Meru regions, where the daily work is finding loan applicants, converting them into disbursed loans, and then keeping that loan book healthy. Performance is judged on two numbers: the volume of loans released each month and a Portfolio at Risk (PAR) figure held at 8% or lower. Two levels are being recruited — a Relationship Officer who owns individual customer relationships, and a Sales Team Leader who carries the same commercial goals while directing the activity of a field sales team.

Key Responsibilities

• Deliver against the monthly loan disbursement target for the assigned region.
• Protect portfolio quality by tracking repayments and acting quickly on arrears, keeping PAR at 8% or below.
• Prepare weekly marketing and customer-activation plans, then execute them in the field rather than waiting for walk-in business.
• Generate new borrowing customers through prospecting, referrals and field visits.
• Grow revenue from the existing book by cross-selling NCL products to current customers.
• Raise local awareness of the company's lending products through market activations and community-level engagement.
• Work strictly within the NCL marketing plan and the company's credit policies and procedures, including documentation and approval steps.
• Keep accurate records of the sales pipeline, disbursements and collections, and report progress to management weekly.
• For the Sales Team Leader role: allocate targets across the team, coach and accompany field staff, and monitor each member's disbursement and portfolio performance.

Requirements & Qualifications

• A degree in Sales & Marketing or another business-related field.
• A demonstrable track record of meeting and exceeding sales targets.
• Proficient use of Microsoft Office applications for reporting and pipeline tracking.
• Experience in import financing would be a distinct advantage.
• Working knowledge of loan appraisal, disbursement and arrears follow-up — essential for holding PAR within the 8% ceiling.
• Willingness to complete training on the NCL marketing plan and on company policies and procedures, and to apply them consistently.
• Familiarity with the Malindi or Meru region and the ability to travel within it to meet customers and run activations.
• For the Sales Team Leader position, previous experience coordinating or supervising a sales team.

Applications close on 23 September 2026. Send your CV to [email protected], using the exact subject line for the role and region you are applying for:

• Relationship Officer Job Application - Malindi Region
• Sales Team Leader Job Application- Malindi Region
• Relationship Officer Job Application - Meru Region