Operations

Relationship Officer

World Vision Kenya·Bomet, kenya·Full Time·Contract
OperationsFull TimeContract
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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.
  • Facilitate effective group credit committee processes in accordance with established policies.
  • Prepare accurate loan appraisal reports and recommendations within the applicable approval framework.
  • Maintain complete and reliable loan records in accordance with credit policies and procedures.

Portfolio Monitoring & Risk Management (10%)

  • Monitor loan portfolio growth, repayment performance and quality at individual and group levels.
  • Identify and escalate emerging credit risks, suspected fraud, deteriorating repayment capacity and other portfolio concerns.
  • Conduct follow-up visits and implement corrective measures in collaboration with the Relationship Manager.
  • Support the reduction of delinquency and the improvement of borrower retention.
  • Ensure portfolio-related issues are addressed promptly and in accordance with organizational procedures.

T24 Reporting & Data Management (5%)

  • Generate, interpret and utilize T24 reports for loan appraisal, disbursement, collections and portfolio monitoring.
  • Reconcile client and group records against system reports and resolve discrepancies through approved procedures.
  • Maintain accurate, complete and timely client information.
  • Explain loan balances, repayment schedules and portfolio records accurately to clients.
  • Ensure compliance with data management and reporting requirements.

Income Generation & Cost Management (3%)

  • Contribute to assigned income, active borrower and portfolio growth targets.
  • Manage field activities and operational expenses within approved budgets.
  • Promote cost efficiency while maintaining service quality and portfolio standards.

Compliance, Ethics & Client Protection (5%)

  • Comply with VisionFund Kenya's credit policies, KYC requirements, AML/CFT controls, data protection, safeguarding and client protection standards.
  • Maintain high levels of integrity, professionalism and accountability in all client dealings.
  • Avoid conflicts of interest, unauthorized business dealings, solicitation of favours and unprofessional relationships with clients.
  • Never handle client cash or loan repayments outside authorized organizational procedures.
  • Promptly report suspected fraud, misconduct, safeguarding concerns and policy breaches.

Other Duties as Assigned (2%)

  • Undertake other reasonable duties assigned by the supervisor, consistent with the role and organizational requirements.
  • Support branch operations and other activities that contribute to VisionFund Kenya's business objectives.

Ideal Candidate Profile

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.

Key skills

Diploma

At a glance

Company

World Vision Kenya

Location

Bomet, kenya

Employment

Full Time

Experience

Valid until

Not specified

Created

October 26, 2026

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