Relationship Officer at Human Capital Outsourcing Limited

• Identify and acquire new clients while maintaining strong relationships with existing customers.
• Match client financial needs with appropriate loan products and services.
• Drive repeat borrowing and cross-selling of company products.
• Educate clients on loan terms, repayment schedules, and benefits of good credit history.
• Monitor client businesses and align repayments with cash flow cycles.
• Follow up on repayments and ensure timely collections.
• Manage delinquent accounts and pursue recovery until full settlement.
• Assess borrower capacity to determine appropriate loan size and terms.
• Collect customer feedback and support service and product improvement.
• Handle customer complaints professionally and maintain high service standards.
• Build long-term client relationships to promote loyalty and retention.

• Diploma or degree in Business, Finance, Economics, or a related field.
• At least 2 years' experience in microfinance, sales, credit, or relationship management.
• Good understanding of loan products and repayment management.
• Strong communication, negotiation, and customer service skills.
• Ability to work independently in the field and meet performance targets.
• High integrity, accountability, and attention to detail.
• Basic computer skills and report writing ability.

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