Key Responsibilities

1.      Product Sales & Employer Engagement

• Identify and onboard employers for salary loan MOUs.
• Liaise with HR/Finance managers of partner institutions to coordinate payroll deductions.
• Conduct staff sensitisation and financial literacy sessions at partner organisations.

2.      Loan Processing & Appraisal

• Receive and verify loan applications, ensuring all required documents are submitted.
• Conduct quick salary-based credit appraisals in line with company policy.
• Recommend loans for approval and prepare appraisal reports.
• Ensure loan limits do not exceed 40% of the employee’s net salary.

3.      Documentation & Compliance

• Collect and file all required documents: application form, pay slips, salary assignment, guarantor forms, etc.
• Ensure all loans meet internal policies and regulatory compliance requirements.
• Maintain accurate and up-to-date records of each loan file.

4.      Disbursement & Repayment Management

• Facilitate timely loan disbursements to approved applicants.
• Track employer check-offs and repayment schedules.
• Follow up on delayed or missed deductions with employers and clients.

5.      Customer Service & Relationship Management

• Provide excellent customer support to employees taking Relationship Officer.
• Handle queries, complaints, and ensure smooth product experience.
• Promote cross-selling of savings and investment products to salary clients.

Qualifications & Experience

• Diploma/Degree in Finance, Business, Banking, or related field.
• At least 2 years’ experience in microfinance, banking, or lending.
• Knowledge of salary-based lending and employer engagement is an added advantage.
• Strong communication, sales, and negotiation skills.
• Good analytical and credit appraisal skills.
• Proficiency in MS Office and loan management systems.

Competencies

• High integrity and professionalism.
• Strong interpersonal and relationship management skills.
• Ability to work under pressure and meet deadlines.
• Customer-focused with problem-solving attitude.
• Team player, yet capable of working independently.