Relationship Officer

Company Details

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Industry: Banking
Description: Ngao Credit Limited, a non-deposit taking Micro-Finance Institution (MFI), was incorporated as a Private Limited Company under the Companies Act (Cap 486) of the Laws of Kenya, on March 20, 2008 and commenced operations on July 1, 2009. Ngao Credit Limited (hereafter referred to as NCL) is also lice… Ngao Credit Limited, a non-deposit taking Micro-Finance Institution (MFI), was incorporated as a Private Limited Company under the Companies Act (Cap 486) of the Laws of Kenya, on March 20, 2008 and commenced operations on July 1, 2009. Ngao Credit Limited (hereafter referred to as NCL) is also licensed by the City Council of Nairobi to provide small scale financial services such us Secured loans, Cheque cashing, import financing, asset financing and quick loans. NCL is a member of the Association of Microfinance Institutions of Kenya (AMFI), a member Institution registered in 1999 under the Societies Act by the leading Microfinance Institutions in Kenya to build capacity of the microfinance industry. AMFI membership ranges from large to small institutions which have diverse legal status ranging from Microfinance banks, Wholesale MFI’s, Retail MFI’s, Development Institutions and Insurance Companies, representing the entire landscape of the Microfinance industry in Kenya. Currently, AMFI has a membership of 53 View more View less

Job Details

Job Type: Full Time
Workplace Type: On-site
Qualification: Diploma
Job Experience: Mandatory
Job Location: Meru County, Kenya
Closing Date: Sep 23, 2026
Salary: Not specified
Other Pay: Benefits
Job Category: Sales & Marketing

Job Description

Relationship Officer & Sales Team Leader – Lending and Business Development (Malindi and Meru Regions)

Role Overview

This is a field-based lending and business development position centred on growing a healthy loan book across the Malindi and Meru regions. Much of your day is spent in the market — identifying prospective borrowers, presenting the company's loan and financing products, converting applications into disbursements, and keeping repayments on schedule so the portfolio stays within acceptable risk limits. The role matters because it directly drives the company's lending revenue and protects the quality of its loan book, which is why both disbursement volume and portfolio-at-risk performance are tracked closely. A Sales Team Leader opening is also available in Malindi for a sales professional who can carry individual targets while guiding a team toward the same goals.

Key Responsibilities

  • Deliver against the monthly loan disbursement target set for your assigned region.
  • Keep portfolio at risk (PAR) at 8% or below by tracking repayments, following up promptly on overdue accounts, and acting early on warning signs.
  • Draft and execute weekly marketing and customer-activation plans in your territory.
  • Source new business while cross-selling the company's products and services to existing customers.
  • Build local market awareness of the company's loan and financing products through consistent field presence and outreach.
  • Consistently meet and exceed the sales targets assigned to you.
  • Maintain accurate customer records and loan documentation, and apply the company's credit policies throughout the loan cycle.
  • For the Sales Team Leader position: lead, coach, and support a team of sales and relationship officers, monitoring their performance and helping them hit disbursement and portfolio-quality goals.

Requirements & Qualifications

  • Degree in Sales & Marketing, Business, or a related field.
  • Proficiency in Microsoft Office applications (Word, Excel, Outlook).
  • Demonstrated track record of achieving and exceeding sales targets.
  • Experience in import financing is an added advantage.
  • Willingness to complete training on the company's marketing plan, policies, and procedures.
  • For the Sales Team Leader role: prior experience leading, coaching, or supervising a sales team.
  • Strong communication, negotiation
2310 open positions on Semasocial right now · 43 open positions in Meru County, Kenya · 112 posted in the last 7 days
Application deadline: Sep 23, 2026 · 2 days left to apply
Contact Information
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