World Vision is an international Christian relief, development and advocacy organisation working in almost 100 countries world-wide to create lasting change in the lives of children, families and communities to overcome poverty and injustice.Key Responsibilities Sales, Marketing & Client Recruitment (10%) Identify, recruit and onboard new clients in line with the branch's business growth targets. Assess client needs and recommend appropriate loan products and financial services. Achieve assigned targets for new borrowers, repeat borrowers, outstanding loan balance (OLB), and product uptake. Apply the 5Cs of credit when assessing prospective clients. Build strong client relationships, address customer concerns and promote client retention.  Loan Disbursement, Collections & Portfolio Quality (20%) Ensure loan applications meet the required credit policy and documentation standards before disbursement. Monitor loan repayment schedules and conduct timely follow-ups on outstanding balances. Use T24 reports, including delinquency, client status and group status reports, to guide disbursement and collection decisions. Ensure compliance with group lending and arrears eligibility requirements before further disbursements. Identify early warning signs of delinquency and implement appropriate collection and recovery measures. Contribute to maintaining Portfolio at Risk (PAR) within approved organizational targets. Client Training & Advisory Services (10%) Conduct pre-loan training in accordance with VisionFund Kenya's policies and procedures. Facilitate monthly post-loan training on business management, financial literacy, loan repayment and responsible borrowing. Educate clients on loan products, terms, conditions and repayment obligations. Provide appropriate business and financial advisory services to clients. Promote client awareness, satisfaction, transformation and retention. Group Management & Client Relationships (5%) Attend scheduled group meetings and maintain accurate attendance registers. Ensure all required client and group documentation is complete and up to date. Monitor group activities, repayment commitments and compliance with group lending procedures. Conduct and document client business visits before and after loan disbursement. Ensure loan appraisal discussions and approvals are properly documented in group meeting minutes.  Loan Appraisal & Administration (30%) Conduct baseline surveys and client assessments before recommending loans. Evaluate clients' creditworthiness through business assessments, cash-flow analysis, income verification and repayment capacity reviews. Apply the 5Cs of credit to assess lending risks and ensure responsible lending decisions. Verify client information and supporting documentation for accuracy and completeness. Facilitate effective group credit committee processes in accordance with established policies. Prepare accurate loan appraisal reports and recommendations within the applicable approval framework. Maintain complete and reliable loan records in accordance with credit policies and procedures. Portfolio Monitoring & Risk Management (10%) Monitor loan portfolio growth, repayment performance and quality at individual and group levels. Identify and escalate emerging credit risks, suspected fraud, deteriorating repayment capacity and other portfolio concerns. Conduct follow-up visits and implement corrective measures in collaboration with the Relationship Manager. Support the reduction of delinquency and the improvement of borrower retention. Ensure portfolio-related issues are addressed promptly and in accordance with organizational procedures. T24 Reporting & Data Management (5%) Generate, interpret and utilize T24 reports for loan appraisal, disbursement, collections and portfolio monitoring. Reconcile client and group records against system reports and resolve discrepancies through approved procedures. Maintain accurate, complete and timely client information. Explain loan balances, repayment schedules and portfolio records accurately to clients. Ensure compliance with data management and reporting requirements. Income Generation & Cost Management (3%) Contribute to assigned income, active borrower and portfolio growth targets. Manage field activities and operational expenses within approved budgets. Promote cost efficiency while maintaining service quality and portfolio standards. Compliance, Ethics & Client Protection (5%) Comply with VisionFund Kenya's credit policies, KYC requirements, AML/CFT controls, data protection, safeguarding and client protection standards. Maintain high levels of integrity, professionalism and accountability in all client dealings. Avoid conflicts of interest, unauthorized business dealings, solicitation of favours and unprofessional relationships with clients. Never handle client cash or loan repayments outside authorized organizational procedures. Promptly report suspected fraud, misconduct, safeguarding concerns and policy breaches. Other Duties as Assigned (2%) Undertake other reasonable duties assigned by the supervisor, consistent with the role and organizational requirements. Support branch operations and other activities that contribute to VisionFund Kenya's business objectives. Ideal Candidate Profile Required Qualifications, Knowledge and Experience Diploma in Business Administration, Marketing, Sociology or a related field. Relevant experience in microfinance, credit, sales, collections or customer relationship management is an added advantage for the Relationship Officer position. For the Relationship Intern position, demonstrated willingness to learn, initiative and interest in microfinance and financial inclusion are essential. Sound understanding of lending principles, credit assessment, client relationship management and responsible lending practices. Strong analytical, numerical and problem-solving skills, with the ability to assess creditworthiness and identify potential risks. Excellent communication, interpersonal, negotiation and customer service skills. Ability to work in a target-driven environment and achieve agreed performance objectives. Computer literacy and willingness to learn financial systems, including T24. High levels of accuracy, integrity, discipline, reliability and accountability. Ability to work independently in the field and collaboratively within a team. Willingness and ability to undertake extensive field travel, approximately 70% of the working time. Willingness and ability to ride a motorbike where required, subject to the appropriate licence and safety requirements. Commitment to VisionFund Kenya's Christian identity, organizational values and standards of professional conduct.