Job particulars
- Job title
- Relationship Officer- Visionfund
- Hiring organisation
- s Expand Recruitment Services
- Location
- Bomet, Kenya
- Employment type
- Full-time
- Work arrangement
- On-site
- Industry
- Sales & Marketing
- Level
- Middle
- Posted
- 26 Oct 2026
- Closing date
- 31 Oct 2026
Key responsibilities
- Sales, Marketing & Client Recruitment (10%)
- Identify, recruit and onboard new clients in line with the branch’s business growth targets.
- Assess client needs and recommend appropriate loan products and financial services.
- Achieve assigned targets for new borrowers, repeat borrowers, outstanding loan balance (OLB), and product uptake.
- Apply the 5Cs of credit when assessing prospective clients.
- Build strong client relationships, address customer concerns and promote client retention.
- Loan Disbursement, Collections & Portfolio Quality (20%)
- Ensure loan applications meet the required credit policy and documentation standards before disbursement.
- Monitor loan repayment schedules and conduct timely follow-ups on outstanding balances.
- Use T24 reports, including delinquency, client status and group status reports, to guide disbursement and collection decisions.
- Ensure compliance with group lending and arrears eligibility requirements before further disbursements.
- Identify early warning signs of delinquency and implement appropriate collection and recovery measures.
- Contribute to maintaining Portfolio at Risk (PAR) within approved organizational targets.
- Client Training & Advisory Services (10%)
- Conduct pre-loan training in accordance with VisionFund Kenya’s policies and procedures.
- Facilitate monthly post-loan training on business management, financial literacy, loan repayment and responsible borrowing.
- Educate clients on loan products, terms, conditions and repayment obligations.
- Provide appropriate business and financial advisory services to clients.
- Promote client awareness, satisfaction, transformation and retention.
- Group Management & Client Relationships (5%)
- Attend scheduled group meetings and maintain accurate attendance registers.
- Ensure all required client and group documentation is complete and up to date.
- Monitor group activities, repayment commitments and compliance with group lending procedures.
- Conduct and document client business visits before and after loan disbursement.
- Ensure loan appraisal discussions and approvals are properly documented in group meeting minutes.
- Loan Appraisal & Administration (30%)
- Conduct baseline surveys and client assessments before recommending loans.
- Evaluate clients’ creditworthiness through business assessments, cash-flow analysis, income verification and repayment capacity reviews.
- Apply the 5Cs of credit to assess lending risks and ensure responsible lending decisions.
- Verify client information and supporting documentation for accuracy and completeness.
Candidate requirements
- Required Qualifications, Knowledge and Experience.
- Diploma in Business Administration, Marketing, Sociology or a related field.
- Relevant experience in microfinance, credit, sales, collections or customer relationship management is an added advantage for the Relationship Officer position.
- For the Relationship Intern position, demonstrated willingness to learn, initiative and interest in microfinance and financial inclusion are essential.
- Sound understanding of lending principles, credit assessment, client relationship management and responsible lending practices.
- Strong analytical, numerical and problem-solving skills, with the ability to assess creditworthiness and identify potential risks.
- Excellent communication, interpersonal, negotiation and customer service skills.
- Ability to work in a target-driven environment and achieve agreed performance objectives.
- Computer literacy and willingness to learn financial systems, including T24.
- High levels of accuracy, integrity, discipline, reliability and accountability.
- Ability to work independently in the field and collaboratively within a team.
- Willingness and ability to undertake extensive field travel, approximately 70% of the working time.
- Willingness and ability to ride a motorbike where required, subject to the appropriate licence and safety requirements.
- Commitment to VisionFund Kenya’s Christian identity, organizational values and standards of professional conduct.
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Hiring organisation
s Expand Recruitment Services