Relationship Officers

Company: Let’s Grow Together Credit Ltd (LGT Credit Ltd)

Location: Kikuyu Town and surrounding areas

Employment Type: Full-time

Reporting to: Branch Manager

Compensation: Kshs. 20,000.00 monthly retainer + performance-based commissions

About Us

Established in 2019 under the Kenyan Companies Act, Let’s Grow Together Credit Limited is a specialized credit-only microfinance institution. We focus on providing short-term, small-scale credit solutions to small and medium enterprises (SMEs) running informal but fixed businesses. Our core mission is to dismantle the strict financial roadblocks that limit grassroots traders. By eliminating the need for conventional collateral or upfront savings deposits, we empower independent merchants to access the capital they need to thrive.

Role Overview

We are looking for energetic, self-motivated Relationship Officers to expand and protect our loan portfolio. In this role, you will drive business growth through field sales, deliver top-tier customer service, and execute reliable loan recovery strategies.

This position is perfect for you if you love field sales, care deeply about uplifting micro-enterprises, and excel at managing your own workflow with little supervision. Your daily focus will involve acquiring high-quality clients, educating borrowers on financial responsibility, and keeping default rates low.

Core Responsibilities

· Sales & Loan Processing

o Drive new customer acquisition through direct field marketing, referrals, and community activations.

o Assist applicants through every step of the borrowing cycle.

o Perform thorough background checks and verify all application paperwork.

o Consistently meet monthly benchmarks for new client acquisition, loan amounts issued, repayments, and client retention.

· Client Relations & Support

o Establish deep, trust-driven partnerships with business owners.

o Act as a business advisor by educating, guiding, and empowering clients.

o Serve as the primary contact point to resolve client issues quickly.

o Form strategic alliances with local community leaders and referral partners.

· Risk Management & Compliance

o Adhere strictly to institutional credit guidelines and verification protocols.

o Evaluate client risk profiles and cross-check business details.

o Track portfolio health continuously and report potential default risks immediately.

· Market Research & Reporting

o Monitor local market shifts, competitor activities, and changing client needs.

o Deliver actionable field updates and insights to branch and regional managers.

Requirements & Qualifications

· Education: Diploma in a business-related discipline.

· Experience: Proven track record in sales, with a strong preference for candidates from the financial services sector.

· Track Record: Demonstrated ability to meet or exceed commercial targets.

· Knowledge: Sound understanding of micro-credit products, lending operations, and risk evaluation.

Key Competencies

· Highly developed selling, pitching, and negotiation capabilities.

· Exceptional communication and people skills.

· A client-centric attitude with the ability to relate to informal sector traders.

· Strong self-discipline, time management, and field organizational skills.

· Comfort using mobile applications and smartphones for daily tasks.