Relationship Manager

Relationship Manager

Job Summary

The Relationship Manager will play a key role in managing and expanding the SME client portfolio within the microfinance sector. The position requires a seasoned professional who understands the unique financial needs and challenges of small and medium enterprises. The ideal candidate will have at least 7 years of experience in microfinance or banking, strong credit assessment skills, and a passion for supporting SME growth through innovative and responsible financial solutions.

Key Responsibilities

Client Acquisition & Relationship Management

• Identify, acquire, and onboard SME clients that align with the company's target market and lending strategy.
• Build, maintain, and nurture strong, long-term relationships with clients to support their business growth.
• Provide ongoing advisory support to clients regarding financial planning, working capital needs, and expansion financing.

Loan Origination, Assessment & Portfolio Management

• Conduct detailed business assessments, site visits, and due diligence to evaluate client needs and creditworthiness.
• Prepare high-quality credit proposals in compliance with internal lending policies and regulatory requirements.
• Manage a robust loan portfolio, ensuring healthy repayment performance and adherence to risk management standards.
• Actively monitor borrower performance, identify early warning signals, and take appropriate actions to mitigate risk.

Business Development & Market Expansion

• Drive growth by identifying new market opportunities and recommending tailored financing solutions for SMEs.
• Collaborate with internal teams to develop new products and services that address SME financial challenges.
• Achieve individual and departmental targets related to portfolio size, quality, and profitability.

Customer Service & Support

• Ensure timely and accurate resolution of client inquiries, complaints, and service needs.
• Provide training or financial literacy support to SME clients to enhance their business sustainability.

Compliance, Reporting & Documentation

• Maintain accurate and complete documentation for all loan files and client interactions.
• Ensure full compliance with microfinance regulations, internal controls, and operational policies.
• Prepare periodic reports on portfolio performance, credit pipeline, and client engagement activities.

Qualifications & Experience

• Bachelor's degree in Business Administration, Finance, Economics, or related field (required).
• Minimum of 7 years' experience in microfinance or banking, specifically working with SME clients.
• Strong background in credit analysis, loan appraisal, and lending methodologies within the microfinance environment.
• Demonstrated ability to manage and grow a high-performing SME loan portfolio.
• Excellent interpersonal, negotiation, and customer engagement skills.
• Strong problem-solving ability with sound judgement in credit and risk assessment.
• Proficiency in MS Office Suite and experience with microfinance or core banking systems.

Key Competencies

• Deep understanding of SME financial needs and challenges
• Strong credit analysis and risk management skills
• Effective relationship-building and stakeholder management
• Business development and sales focus
• High ethical standards and integrity
• Excellent communication and presentation abilities
• Results-oriented with strong organizational skills

How to Apply

Apply using the following link: https://pri.careers-page.com/jobs/f6979f64-3de8-4bac-977c-f1464811d1b0/apply