Job Purpose

The Relationship Officer – Business will support the branch’s business growth agenda by driving the acquisition, onboarding and retention of micro and consumer business customers.

The role focuses on quality lending, growth of CASA and transactional accounts, cross-selling bank products, increasing non-funded income (NFI), and maintaining strong customer relationships.

The officer will conduct field-level sales activities, ensure quality credit applications and provide excellent customer service in line with established KPIs, while escalating complex matters to the Relationship Manager – Business.

Main Duties and Responsibilities

• Identify, prospect and onboard micro and consumer business customers.
• Grow CASA deposits and ensure active account usage.
• Support customer activation with a target of at least 8 products per customer.
• Recruit Equity Agents, Super Agents and Merchants.
• Promote ABC platform onboarding and drive transaction growth to reduce branch traffic and increase NFI.
• Cross-sell bank products, including loans, insurance, cards, mobile banking, payments and basic trade finance services.
• Engage segmented clients to build confidence, loyalty and overall customer value.
• Prepare timely reports and feedback.
• Coordinate with the Commercial Department and Head Office stakeholders.
• Support branch business growth activities.
• Collect market intelligence on micro and retail businesses, competitor offerings and customer needs.
• Source quality loan applications.
• Conduct customer visits and business assessments.
• Validate KYC and ensure credit proposals meet approved standards.
• Monitor the assigned loan portfolio.
• Identify and flag early warning signals to the Relationship Manager.
• Follow up on repayments to maintain a healthy loan book and reduce PAR, including PAR30 and PAR90.
• Build and maintain strong customer relationships.
• Resolve customer inquiries and escalate complex issues to the Relationship Manager.
• Reduce dormant accounts through regular customer engagement.
• Ensure compliance with KYC, AML and all bank policies.
• Maintain accurate and complete customer files, documents and reports.
• Collaborate with branch teams on cross-functional business activities.
• Perform other duties assigned by the Relationship Manager or Branch Management.

Qualifications and Experience

• Bachelor’s degree in Business, Finance, Economics or a related field.
• Proven track record of achieving deposit growth targets.

Skills and Competencies

• Strong sales and relationship management skills.
• Excellent interpersonal and client management abilities.
• Results-driven and commercially focused.
• Understanding of business operations and cash flows.
• Good negotiation and problem-solving skills.

Behavioural Attributes

• Results-oriented and proactive.
• Customer-centric mindset.
• High integrity and compliance awareness.
• Strong execution and follow-through.
• Ability to work under pressure and meet targets.

• Identify, prospect and onboard micro and consumer business customers.
• Grow CASA deposits and ensure active account usage.
• Support customer activation with a target of at least 8 products per customer.
• Recruit Equity Agents, Super Agents and Merchants.
• Promote ABC platform onboarding and drive transaction growth to reduce branch traffic and increase NFI.
• Cross-sell bank products, including loans, insurance, cards, mobile banking, payments and basic trade finance services.
• Engage segmented clients to build confidence, loyalty and overall customer value.
• Prepare timely reports and feedback.
• Coordinate with the Commercial Department and Head Office stakeholders.
• Support branch business growth activities.
• Collect market intelligence on micro and retail businesses, competitor offerings and customer needs.
• Source quality loan applications.
• Conduct customer visits and business assessments.
• Validate KYC and ensure credit proposals meet approved standards.
• Monitor the assigned loan portfolio.
• Identify and flag early warning signals to the Relationship Manager.
• Follow up on repayments to maintain a healthy loan book and reduce PAR, including PAR30 and PAR90.
• Build and maintain strong customer relationships.
• Resolve customer inquiries and escalate complex issues to the Relationship Manager.
• Reduce dormant accounts through regular customer engagement.
• Ensure compliance with KYC, AML and all bank policies.
• Maintain accurate and complete customer files, documents and reports.
• Collaborate with branch teams on cross-functional business activities.
• Perform other duties assigned by the Relationship Manager or Branch Management.

• Strong sales and relationship management skills.
• Excellent interpersonal and client management abilities.
• Results-driven and commercially focused.
• Understanding of business operations and cash flows.
• Good negotiation and problem-solving skills.

• Bachelor’s degree in Business, Finance, Economics or a related field.
• Proven track record of achieving deposit growth targets.