The Relationship Officer - Pamoja Banking is responsible for managing and coordinating all banking groups under their purview to ensure the bank's objectives and goals are met.
Key Responsibilities
Stakeholder Engagement and Outreach
Hold consultative meetings with stakeholders (e.g., Chiefs, market opinion leaders) to arrange meetings with potential group clients.
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 and deliver training to group members.
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 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 (Sales experience or experience in microfinance/project management is an added advantage).
Computer literacy with high command in Microsoft suite.
Key Skills and Competencies
Exceptional ingenuity, creativity, and resourcefulness.
Excellent business relationship management skills and business closure techniques.
Ability to develop, plan, execute, and implement business strategies.
Excellent interpersonal and conflict resolution skills.
Strong training/coaching, communication, presentation, and negotiation skills.
