Relationship Officer

Relationship Officer

Crednet Technologies Limited | Full time

Dawakin Kudu, Kano, Nigeria

Job Type: Full Time Industry: Financial Services Location: Kano State, Nigeria Zip/Postal Code: 713104

Job Description CredPal is a leading financial technology company that offers a comprehensive range of financial solutions, including credit cards and investment opportunities, to empower individuals. Our Microfinance Bank Dawakin Kudu Limited is a dynamic financial institution focused on delivering inclusive financial services to individuals, SMEs, and communities across Kano State and its environs.

Role summary

We are seeking highly driven and results-oriented Relationship Officers to drive customer acquisition, deposit mobilization, and loan disbursement for our microfinance bank in Dawakin Kudu. The ideal candidate will be responsible for identifying new business opportunities, onboarding customers, and meeting aggressive sales targets while maintaining strong portfolio quality. This role is field-oriented, target-driven, and requires deep familiarity with the local market and customer segments within Kano State.

Responsibilities

• Customer acquisition and business development: identify, prospect, and onboard new customers (individuals and SMEs)

• Drive deposit mobilization and loan disbursement; build and maintain a strong pipeline of prospective clients

• Expand the bank’s customer base within Dawakin Kudu and surrounding areas

• Sales target execution: own and achieve assigned monthly sales targets (deposits, loans, and revenue); consistently meet or exceed performance benchmarks

• Maintain daily activity tracking and reporting of sales efforts

• Relationship management: build and maintain strong relationships with customers; provide ongoing support to ensure satisfaction and retention; identify cross-selling opportunities

• Credit and loan origination: source quality loan opportunities in line with policy; conduct basic customer assessments and documentation; ensure proper onboarding and complete credit documentation; monitor loan performance and repayments

• Risk and portfolio quality management: maintain high-quality loan bookings with minimal default risk; monitor accounts and flag early warning signs; support recovery for overdue accounts; maintain a healthy loan portfolio (low PAR/NPL)

• Market intelligence and community engagement: understand local market dynamics, customer behavior, and competition; build a strong presence in the community; identify opportunities and provide market feedback

• Key Performance Indicators

• Monthly deposit mobilization volume

• Loan disbursement volume

• Customer acquisition numbers

• Portfolio quality (PAR / NPL)

• Loan repayment rate

• Daily & weekly activity levels

• Revenue contribution

Requirements

• Minimum of OND / HND / Bachelor's degree in any relevant field
• 3-4 years experience in a microfinance bank (MFB) in a sales or business development role
• Proven track record in deposit mobilization and loan origination within a microfinance environment
• Strong understanding of local markets, SMEs, and informal sector dynamics in Kano State
• Demonstrated ability to meet and exceed aggressive sales targets
• Basic knowledge of credit assessment and risk management
• Excellent communication, negotiation, and interpersonal skills
• Highly motivated, target-driven, and field-oriented
• Must reside in Kano State, preferably within or around Dawakin Kudu and its environs

Benefits

• Opportunity to lead finance and operations in a high-growth microfinance institution
• Direct impact on strategic and operational decision-making
• Fast-paced, performance-driven environment with strong growth potential