Relationship Manager - B2G

Job Description

High level of integrity, professionalism, customer focus, and commitment to delivering quality service while ensuring compliance with internal policies and regulatory requirements.

High level of integrity, professionalism, customer focus, and commitment to deliver quality service while ensuring compliance with internal policies, credit procedures, and regulatory requirements.

Build, retain, and motivate a strong team to drive performance and achieve organizational objectives.

Proven ability to effectively present and promote the Company's financial solutions and value proposition to government institutions and salaried employees.

Data-driven decision-making ability with sound business and credit judgment.

Strong ability to develop client-focused, practical, and sustainable financial solutions while maintaining portfolio quality.

Good understanding of market dynamics and the ability to position the Company's products competitively.

Strong leadership skills with the ability to influence, motivate, and coordinate business development initiatives to achieve organizational objectives.

Experience in leading business development and client acquisition activities to support sustainable portfolio growth.

Sound understanding of public sector lending, government payroll systems (ESS), and salary-based lending products.

Good knowledge of credit analysis, affordability assessment, loan appraisal, and risk evaluation principles.

Strong understanding of banking regulations, lending policies, KYC/AML requirements, and credit risk management practices.

Knowledge of customer relationship management (CRM), portfolio management, and portfolio quality monitoring.

Excellent business development, negotiation, and relationship management skills with the ability to acquire, develop, and retain institutional clients.

Strong communication, presentation, and stakeholder engagement skills, with the ability to build relationships with senior government officials and institutional clients.

Ability to identify market opportunities, develop growth strategies, and expand the B2G portfolio while maintaining acceptable credit quality.

Proficiency in Microsoft Office applications (Excel, Word, and PowerPoint) and core banking/lending systems.

Strong analytical, problem-solving, planning, and organizational skills with the ability to manage multiple priorities effectively.

Ability to work closely with the Head of Credit & Risk Management to ensure portfolio growth is aligned with the Company's risk appetite, credit policies, and regulatory requirements.

Manage the end-to-end Watumishi (public servant) salary loan process through the Government ESS/UTUMISHI portal, including loan initiation, employer approval follow-up, and payroll deduction code activation.

Ensure all affordability assessments comply with the statutory one-third (1/3) net take-home salary rule and applicable PO-PSM/UTUMISHI circulars before loan submission and disbursement.

Establish and maintain MOUs and payroll deduction arrangements with Government Ministries, Departments, Agencies (MDAs) and Local Government Authorities (LGAs), including regular liaison with payroll, HR, and accounting officers.

Monitor monthly payroll deduction remittances and reconcile receipts against loan repayment schedules; investigate and resolve missed or partial deductions arising from salary stoppages, staff transfers, retirement, termination, or death of borrowers.

Manage loan top-ups, buyouts/takeovers from other financial institutions, and early settlements in line with credit policy and ESS procedures.

Ensure all Watumishi loans carry valid credit life insurance cover and that claims for death or permanent disability of borrowers are lodged and followed up promptly.

Skills Required

Spreadsheets (e.g. Excel, Google Sheets, etc)
Word Processing and Desktop Publishing Tools (MS Office, Google Docs, etc)