Job Title: Relationship Officer - MFIs (Micro Finance)
Job Description:
We are seeking a proactive and experienced Relationship Officer to join our innovative MFI (Micro Finance) company. As a Relationship Officer, you will play a crucial role in fostering strong relationships with our clientele, namely small business owners and low-income individuals. Your responsibility is to provide exceptional service and support throughout the loan process and thereafter. This is a client-facing role, and excellence in communication, interpersonal skills, and a customer-centric approach is essential.
Key Responsibilities:
Manage the entire loan lifecycle from loan application, documentation, processing, and disbursement while ensuring a superior customer experience.
You will be responsible for identifying prospective borrowers, evaluating their creditworthiness, and assisting them through the loan application process, including negotiating and structuring loans.
Maintain strong relationships with clients, addressing their queries and concerns on time, ensuring their satisfaction and retention.
Collaborate closely with other departments within the MFI, including credit, operations, and management, to ensure smooth and timely loan processing and to address any client-related issues.
Qualifications:
Relevant experience in a Relationship Management or Sales role within the financial services industry preferably in the Micro Finance industry.
Proven experience as a Relationship Officer or similar role specializing in client acquisition, relationship management, and retention.
Strong grasp of financial products and services, especially in the MFI industry, and loan lifecycle management.
Analytical skills and an understanding of credit evaluation and approval processes are a plus.
Exceptional communication skills, both verbal and written, and a customer-focused mindset with a passion for providing outstanding customer experience.
Ability to work independently, manage multiple tasks, and adapt to rapid changes in a fast-paced environment.
Relevant Qualifications or Certifications in finance, banking, or a related field are a plus.
Skills:
Strong interpersonal and networking skills to build relationships and trust with clients.
Excellent negotiation skills to advise and convince borrowers on the best financial solutions.
Ability to quickly grasp loan assessment tools and methodologies used by the MFI.
Proficiency in MS Office and loan management software or other relevant tools used in the financial services industry.
Bilingual proficiency is a plus (e.g., English and the local language).
Compensation and Benefits:
Salary will be competitive