The Relationship Officer for Pamoja Banking is responsible for driving the growth and quality of the Pamoja Banking segment portfolio, which focuses on community groups. This role involves comprehensive stakeholder engagement, group onboarding and training, deposit mobilization, credit proposal preparation, and overall portfolio management to ensure compliance and achieve sector growth objectives.
Job Responsibilities
Stakeholder Engagement and Outreach
- Hold consultative meetings with stakeholders (e.g., Chiefs, market opinion leaders) to arrange meetings with potential clients (groups).
- Prepare keynote messages for forums to promote the Pamoja banking value proposition.
- Manage inquiries on Pamoja banking at the branch and in the marketplace.
Group Onboarding and Training
- Identify and select qualifying groups from the market.
- Support groups in registering with relevant government offices and obtaining KYC documents for account opening.
- Set up group structures, maintain records, and train group officials.
- Conduct pre-registration and post-registration training for groups.
- Deliver training to group members at their convenience.
Deposit Mobilization and Documentation
- Enforce weekly savings contributions and ensure proper documentation at the group level (e.g., treasurer’s ledger, group minutes, passbooks).
- Mobilize deposits through weekly savings collections.
Loan Processing and Compliance
- Conduct business and home visits to verify borrowers' ability to pay, collect financial information, and confirm securities pledged.
- Compile credit proposals for discussion at the Branch Credit Committee (BCC) and present group client requests for approval.
- Onboard groups and group members in the IGLS system and generate relevant reports.
- Initiate group loan requests and manage end-of-day postings in the IGLS system.
- Perform data cleanup of exited and dormant customers from the IGLS system.
- Ensure compliance with credit policies and train branch staff on any amendments in the Pamoja banking product offering.
Portfolio and Relationship Management
- Manage and maintain the quality of the loan book through post-disbursement visits, weekly collection of savings and loan payments, and enforcing co-guarantee mechanisms in groups.
- Establish working group structures and enforce the five pillars of stable groups.
- Ensure timely loan approval and disbursement within Service Level Agreements (SLAs).
Customer Recruitment and Segment Growth
- Recruit new-to-bank customers and actualize segment partnership objectives to align with sector growth objectives.
Qualifications and Experience
- University degree in a Business-Related Course, Education, Social Sciences or Diploma in a business related course.
- Overall C+ in KCSE and C+ in mathematics.
- 2-3 Years’ experience required.
- Sales experience is an added advantage.
- Experience in the micro finance industry is an added advantage.
- Experience in project management, monitoring and evaluation is an added advantage.
- Computer literacy with high command in Microsoft suite.
