Senior Relationship Officer

Role Purpose: Senior Relationship Officer - Dar Es Salaam

Key Responsibilities

1. Lead market entry into Tanzania for educational lending to low and medium fee private schools, including market research, sales, and planning for and achieving internal targets.
2. Develop business growth and marketing strategies hinged on surpassing sales targets without compromising portfolio quality for educational finance. 
3. Oversee door-to-door, event-based, and other marketing to private schools in Tanzania to facilitate educational lending.
4. Oversee the field team to ensure lead generation and qualification, needs assessments, school visits, client creation, document collection, credit applications, and due diligence from private schools in Tanzania.
5. Monitor monthly loan repayments; maintain a high loan repayment quality and low PAR within the institution’s acceptable rate. 
6. Ensure all institutional policies and procedures and especially lending policies are adhered by all field staff, liaising when necessary with the partner bank in Tanzania. 
7. Provide direction for overall performance in the area of operations and advise the institution on time. 
8. Develop strategies for the business activities, growth and management of competition within the area of operation. 
9. Ensure budgets are adhered to, portfolio targets and strategic plans are achieved.
10. Ensure all loans in arrears more than fifteen days have all the necessary documents   as per the institutional delinquency escalation policy. 
11. Ensure all loans are appraised and visited by the Team Leader before disbursement. 
12. Participate in Peer and Final Investment Committee (ICs)  meetings and ensure all the loans are fully documented and the necessary lending processes are adhered to.
13. Maintain strong and timely communications with the Nairobi-based Operations and Credit team, along with the local partner bank, about lending progress, loan applications, field team performance, and other relevant topics.
14. Develop brief and timely reports on overall progress of the area on a daily basis.
15. Monitor execution plan of the sales team and supervise daily and weekly sales activities of the team to ensure they are performing as expected and address any difficulties the team may be experiencing.
16. Place a high priority on staff development and their understanding of Jackfruit’s policies and procedures. 
17. On a day to day basis, act as the link between the head office and the field staff.
18. Ensure recruitment and training of Field workforce (team) within the area to ensure that Jackfruit achieves its business plan in line with mission, vision and objectives and the achievement of set targets. 
19. Keep track of leave progress as per leave plans. Ensure all staff maintain a good level of work life balance. 
20. Carry out regular performance appraisals of the staff in line with the company standards. 
21. Ensure maintenance of high levels of customer confidentiality, which includes handling customer data. 
22. Safeguarding all company assets assigned to your team. 
23. Safeguarding the company image by ensuring we adhere to company policies and procedures.