Adjacent Possible finance is a financial institution seeking to recruit talented and motivated individuals to fill the following position.

Job Purpose

The Business Development Officer at Adjacent Possible Finance Limited is responsible for driving growth by marketing financial products, recruiting and training clients, appraising and monitoring loans, and maintaining strong client relationships.

The role ensures portfolio quality through effective risk management, supports cross-selling and upscaling opportunities, and upholds the institution's business development and credit policies to achieve sustainable performance.

Key Responsibilities:

Business Development & Marketing

• Implement the business development strategy and plans for the assigned portfolio in order to achieve assigned targets.
• Conduct market analysis and territory research to identify potential customers, segments and growth opportunities.
• Create and execute marketing activities-including promotion, outreach programs, seminars and client education-to generate leads and convert them into clients.
• Proactively recruit new clients: screen and evaluate potential borrowers in the targeted markets.

Loan Appraisal & Disbursement

• Carry out customer screening, loan assessment and full appraisal in line with the Adjacent Possible Finance's credit policy. Process loan applications, ensure documentation is compliant, and facilitate timely disbursement.
• Ensure all deposits (if applicable) and other client payments are allocated correctly and on time.

Portfolio & Risk Management

• Monitor the loan portfolio under the BDO's responsibility: conduct regular group and/or individual client visits, track repayment status, check on business progress and handle arrears follow-up.
• Manage risks to maintain a high-quality portfolio: forward indicators of risk, recommend corrective actions, and engage in client training as needed to safeguard the portfolio.
• Prepare dally/weekly/monthly status reports and share with branch/management teams to support branch health and sustainability.

Relationship Management, Cross-selling & Upscaling

• Establish and maintain strong relationships with clients and referral networks to deepen business and drive retention.
• Identify opportunities within the client base for cross-selling and upscaling of additional products or services-eg, insurance, higher loan amounts.
• Collect client feedback, monitor client satisfaction and escalate issues as required.

Continuous Improvement & Innovation

• Recommend best practices and contribute ideas for new or improved processes, products and services.
• Implement service quality, customer excellence and change initiatives to enhance business performance and culture.

Compliance & Service Delivery

• Ensure adherence to internal policies and regulatory requirements (eg, KYC, AML, credit policy).
• Maintain service delivery standards: minimize turnaround time, ensure documentation completeness, and support audit and operational review activities.

Qualification and skills

• A Diploma/Bachelor's degree holder in Business related discipline or equivalent from a recognized college.
• At least 2 years' experience in Credit, Banking and/or relationship management.
• A good understanding and knowledge of the Kenyan Microfinance Industry is an added advantage.
• Have excellent interpersonal and communications skills I

• Implement the business development strategy and plans for the assigned portfolio in order to achieve assigned targets.
• Conduct market analysis and territory research to identify potential customers, segments and growth opportunities.
• Create and execute marketing activities-including promotion, outreach programs, seminars and client education-to generate leads and convert them into clients.
• Proactively recruit new clients: screen and evaluate potential borrowers in the targeted markets.
• Carry out customer screening, loan assessment and full appraisal in line with the Adjacent Possible Finance's credit policy. Process loan applications, ensure documentation is compliant, and facilitate timely disbursement.
• Ensure all deposits (if applicable) and other client payments are allocated correctly and on time.
• Monitor the loan portfolio under the BDO's responsibility: conduct regular group and/or individual client visits, track repayment status, check on business progress and handle arrears follow-up.
• Manage risks to maintain a high-quality portfolio: forward indicators of risk, recommend corrective actions, and engage in client training as needed to safeguard the portfolio.
• Prepare dally/weekly/monthly status reports and share with branch/management teams to support branch health and sustainability.
• Establish and maintain strong relationships with clients and referral networks to deepen business and drive retention.
• Identify opportunities within the client base for cross-selling and upscaling of additional products or services-eg, insurance, higher loan amounts.
• Collect client feedback, monitor client satisfaction and escalate issues as required.
• Recommend best practices and contribute ideas for new or improved processes, products and services.
• Implement service quality, customer excellence and change initiatives to enhance business performance and culture.
• Ensure adherence to internal policies and regulatory requirements (eg, KYC, AML, credit policy).
• Maintain service delivery standards: minimize turnaround time, ensure documentation completeness, and support audit and operational review activities.

• Excellent interpersonal and communications skills
• Understanding and knowledge of the Kenyan Microfinance Industry
• Market analysis and territory research
• Customer screening, loan assessment and appraisal
• Portfolio and risk management
• Client relationship management
• Marketing and client recruitment

• A Diploma/Bachelor's degree in a Business related discipline or equivalent from a recognized college.
• At least 2 years' experience in Credit, Banking and/or relationship management.
• A good understanding and knowledge of the Kenyan Microfinance Industry is an added advantage.
• Excellent interpersonal and communications skills.