Job Title: Relationship Officer – Group and Individual – 10 No Experience Jobs
Organisation: Opportunity Bank (OBUL)
Duty Station: Kampala, Uganda
About Organisation:
Opportunity Bank Uganda Ltd (OBUL) is a member of Opportunity International, a global microfinance institution that provides access to financial services in 27 Countries globally serving over 2 Million customers with Savings, Credit and other transformational services aimed at transforming the lives of low income earners.
Locations: Mubende, Masaka, Mbarara, Kyenjojo, Jinja, Kampala (Gayaza, Kawempe & City branches).
Job Summary: Growth of the Group and Individual loan portfolio by recruitment of new clients whilst maintaining the quality of the portfolio, carrying out individual marketing and group- marketing by forming focus groups and assessing their capability to have access to loans. Monitoring, recovering and maintaining client relationships.
Key Duties and Responsibilities:
Business Growth
- To grow the bank business in terms of assets (loans) and liabilities (customer deposits), customer base and income through personal selling activities within existing customer portfolio and getting new ones within the Bank’s target markets
- Recruit Individual and group loan clients to achieve loan disbursement and portfolio growth targets.
- Assessment of potential group / Individual loan clients to make sure they meet the required standards for borrowing from OBUL.
- Sit on loans committee to agree on clients for loan approval
- Maintain relationships by visiting groups and attending group meetings
- Training clients about OBUL, expectations from OBUL as well as terms and conditions.
Monitoring and managing portfolio
- Monitor portfolio by tracking all clients, identifying any potential default cases and developing mitigants for them.
- Ensure clients comply with the OBUL policies as well as terms and conditions attached to loans.
- Maintain the PAR of one’s portfolio within the bank’s PAR quality standards
Reporting
- Prepare weekly and monthly reports to the branch manager and discuss weekly performance with immediate supervisor
Building customer relationship
- Maintain relationships by visiting clients and solving any customer related issues raised by them
- Customer service, handling client inquiries and guiding them on how to apply for loans, use the bank’s payment channels
Recovery
- Recovery of defaulted loans
Qualifications, Skills and Experience:
- University degree preferably in Business related discipline.
- Relevant professional qualifications in microfinance, banking, finance or marketing provide an added advantage.
- Relevant credit experience is an added advantage
- Must possess a Credit pass in Maths and English at ‘O’ Level
- Personal skills and abilities
- Good understanding of Credit risk management.
- Good understanding of sales management
- Excellent Interpersonal skills
- Good Customer care
- Good communication skills (Oral and written) and MUST be fluent in English.
- Analytical thinking
- Good computer skills e.g Microsoft Word, excel, email & Internet.
- Demonstrated ability to work as a part of a team
How to Apply:
Interested candidates should send their signed application letters indicating your preferred location, academic documents, together with their curriculum vitae in one PDF Folder clearly stating the job title in the subject line to recruitment@opportunitybank.co.ug
Deadline: 10th July 2025