Relationship Officer

Our client is a financial institution providing savings, loans, digital banking, and investment solutions to individuals and businesses.

Job Summary

The role focuses on proactive sales, referral development, cross-selling, digital channel adoption and portfolio quality. The job holder drives deposit mobilisation and income generation through targeted campaigns, relationship management and market development while ensuring compliance with KYC, AML/CFT and internal policies.

Key Responsibilities

Deposit mobilisation and sales Achieve growth across KPIs: liability mobilisation, CASA and fixed deposits, new funded accounts, income generation, and e-banking product adoption. Actively seek new sales opportunities through cold calling, networking, referrals, merchant and payroll initiatives, and community outreach.

Account opening and onboarding Open and convert funded accounts; ensure KYC/AML documentation is complete and accurate before funding. Explain product features, fees and benefits; onboard customers to digital channels (mobile, USSD, internet banking) to increase transactional volumes. Customer relationship management Build and maintain strong relationships with retail and small business customers; conduct periodic account reviews and needs assessments.

Cross-sell and bundle products (standing orders, payroll solutions, e-wallets) to deepen wallet share. Portfolio and risk management Maintain a healthy portfolio and deposit mix; monitor account activity and retention. Identify potential credit or lending opportunities and refer qualified prospects to the credit team; support documentation but do not own collections unless assigned.

Market intelligence and product development Monitor competition and gather marketplace information on pricing, products and promotions. Recommend changes to products, services or processes based on market feedback and performance results.

Requirements

3-5 years in retail banking, microfinance, or customer-facing sales role with demonstrable deposit mobilisation or business development results preferred. HND/BSc in Business, Finance, Social Science or related field. Microfinance certification or relevant banking training is an advantage. Strong sales, negotiation, and relationship management skills focused on deposit products.

Proficiency with the bank’s core systems and Microsoft Office. Excellent verbal and written communication skills.