At Human Capital Outsourcing Limited, our journey began in 2017. We're not just an HR consultancy firm; we're your trusted strategic partners in realizing your vision. Over the years, our commitment to excellence has guided us through a path of continuous growth and learning.

On behalf of our client, we're seeking to recruit a performance-driven Relationship Officer to support business growth, client acquisition, loan disbursement, portfolio quality, and customer retention within a microfinance environment offering revolving credit. The role is responsible for growing and managing a quality loan book, ensuring timely repayments, minimizing delinquency, and delivering excellent customer service while meeting defined business and recovery targets.

Responsibilities

• Identify and acquire new clients while maintaining strong relationships with existing customers.
• Match client financial needs with appropriate loan products and services.
• Drive repeat borrowing and cross-selling of company products.
• Educate clients on loan terms, repayment schedules, and benefits of good credit history.
• Monitor client businesses and align repayments with cash flow cycles.
• Follow up on repayments and ensure timely collections.
• Manage delinquent accounts and pursue recovery until full settlement.
• Assess borrower capacity to determine appropriate loan size and terms.
• Collect customer feedback and support service and product improvement.
• Handle customer complaints professionally and maintain high service standards.
• Build long-term client relationships to promote loyalty and retention.

Skills & Requirements

• Diploma or degree in Business, Finance, Economics, or a related field.
• At least 2 years’ experience in microfinance, sales, credit, or relationship management.
• Good understanding of loan products and repayment management.
• Strong communication, negotiation, and customer service skills.
• Ability to work independently in the field and meet performance targets.
• High integrity, accountability, and attention to detail.
• Basic computer skills and report writing ability.

• Identify and acquire new clients while maintaining strong relationships with existing customers.
• Match client financial needs with appropriate loan products and services.
• Drive repeat borrowing and cross-selling of company products.
• Educate clients on loan terms, repayment schedules, and benefits of good credit history.
• Monitor client businesses and align repayments with cash flow cycles.
• Follow up on repayments and ensure timely collections.
• Manage delinquent accounts and pursue recovery until full settlement.
• Assess borrower capacity to determine appropriate loan size and terms.
• Collect customer feedback and support service and product improvement.
• Handle customer complaints professionally and maintain high service standards.
• Build long-term client relationships to promote loyalty and retention.

• Good understanding of loan products and repayment management.
• Strong communication, negotiation, and customer service skills.
• Ability to work independently in the field and meet performance targets.
• High integrity, accountability, and attention to detail.
• Basic computer skills and report writing ability.

• Diploma or degree in Business, Finance, Economics, or a related field.
• At least 2 years’ experience in microfinance, sales, credit, or relationship management.