Relationship Officer at Human Capital Outsourcing Limited

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.

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.