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 daily/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—e.g, 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 (e.g., 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