Logbook and Asset Financing Relationship Officer

About Umba
Umba is a pan-African digital bank serving customers in both Kenya and Nigeria. Our mission entails providing accessible and cost-effective financial services across Africa, enabling our customers to take charge of their financial well-being. We are committed to seizing a unique opportunity to transform the financial landscape in Africa by harnessing the power of machine learning to develop intelligent, affordable financial products tailored for emerging markets. Our machine learning models are continuously improving, and we leverage AI and automation to deliver banking solutions at the lowest possible cost to our expanding customer base.

Umba is headquartered in Nairobi Kenya. Our primary focus is to offer a comprehensive range of digital banking products through Android, iOS and Web Apps, and we take pride in our culture of consistently surpassing customer expectations, which has fueled our rapid expansion.

Umba acquired a deposit taking microfinance bank in Kenya in 2023, which has now been named Umba Microfinance Bank. The bank has achieved fast growth since launch with average monthly growth rate of 19% and 6x revenue growth in 2024.

We are actively seeking outstanding individuals who not only possess exceptional talent but also share our vision, determination, and sense of purpose. Join us in our endeavor to establish the best digital bank in Africa.

Job Summary
The Relationship Officer is responsible for identifying potential clients, promoting credit products, and managing customer relationships to drive loan disbursement and ensure timely repayments. This role involves sales, client acquisition, relationship management, risk assessment, and portfolio management while maintaining compliance with company policies and regulatory requirements.Top of Form

Responsibilities
Sales & Business Development:

• Identify and acquire new clients through direct sales, referrals, and field visits
• Relationship Management for Proper KYC and KYB
• Promote the company's credit products and services, explaining features and benefits to potential customers
• Build and maintain strong relationships with existing clients to encourage repeat business and referrals

2. Credit Assessment & Loan Processing:

• Assist clients in completing loan applications and gather necessary documentation
• Conduct preliminary credit assessments to evaluate a client's ability to repay the loan
• Submit loan applications for approval and follow up on the disbursement process

3. Client Management & Collections:

• Monitor clients' repayment behavior and ensure timely loan repayments
• Proactively engage customers who may face repayment challenges and provide solutions
• Work with the collections team to manage delinquent accounts and recover outstanding loans

4. Compliance & Reporting:

• Ensure all transactions adhere to company policies, procedures, and regulatory guidelines
• Maintain accurate records of client interactions, loan applications, and sales performance
• Provide daily, weekly, and monthly reports on sales performance, client portfolio, and collections

Dealer Financing:

• Identify, onboard, and manage a network of dealers to support asset-based financing
• Collaborate with the credit team to assess and approve dealer-linked financing requests, ensuring due diligence and adherence to lending policies
• Track and report on key dealer financing KPIs including volumes, conversion rates, and repayment performance
• Monitor the performance of dealer referrals and maintain a healthy pipeline of prospective borrowers through dealer networks

Key Qualifications & Skills:

• Education: Diploma or Bachelor's degree in Finance, Business, Marketing, or a related field
• Experience: At least 1–3 years of experience in credit sales, banking, microfinance, or a related industry
• Strong sales and negotiation skills, with a proven ability to meet targets
• Knowledge of credit risk assessment and loan processing
• Excellent customer service and relationship management skills
• Ability to work independently and as part of a team
• Proficiency in MS Office (Excel, Word, PowerPoint) and CRM systems

Key Performance Indicators (KPIs):

• Number of new clients acquired
• Volume of loans disbursed
• Loan repayment rate and portfolio quality
• Customer retention and satisfaction levels

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