Group Lending Loan Officer

Brisk Credit Ltd is looking for Group Lending Loan Officers to join its field-based lending team across Mt. Kenya, Nairobi, and the Rift Valley. The role is suited to a practical, customer-focused professional who understands group-based credit and enjoys building strong relationships with borrowers within their local community.

The successful candidate will identify suitable prospective borrowers, introduce group lending products, support the formation of viable lending groups, and guide members through the borrowing process. You will remain closely involved with customers after disbursement, helping groups understand their repayment responsibilities and maintain healthy credit practices.

This position involves regular field activity and direct interaction with customers. The Loan Officer will assess borrower information, gather and verify relevant documentation, conduct appropriate customer visits, and provide accurate information about loan terms, repayment expectations, and applicable requirements.

You will manage assigned groups throughout the lending cycle, from initial mobilisation and appraisal through approval, disbursement, repayment monitoring, and account follow-up. The role also requires timely identification of emerging repayment concerns and constructive engagement with customers where intervention is needed.

Brisk Credit Ltd expects its Loan Officers to combine commercial awareness with responsible lending practices. You will contribute to portfolio growth while maintaining appropriate credit standards, accurate records, and professional relationships with customers.

The position offers an opportunity to work in a community-oriented lending environment where field knowledge, consistency, communication, and customer service are important to day-to-day success.

• 2 years

Identify potential customers and communities that may benefit from group lending services within the assigned territory.
Mobilize prospective borrowers and support the formation of suitable lending groups.
Explain loan products, eligibility requirements, repayment arrangements, and customer obligations clearly to group members.
Conduct customer visits and gather information required for loan assessment.
Review borrower information and supporting documentation before submitting applications for consideration.
Assess the suitability of prospective borrowers in line with the organization's lending procedures and credit requirements.
Maintain regular contact with assigned groups throughout the loan cycle.
Coordinate approved loan disbursements and ensure customers understand the agreed repayment schedule.
Monitor group repayment performance and follow up promptly on outstanding instalments.
Identify early signs of repayment difficulties and communicate concerns through the appropriate internal channels.
Work constructively with customers to address routine account and repayment queries.
Maintain accurate customer, group, loan, and field-visit records.
Keep customer information confidential and handle documentation responsibly.
Develop productive relationships with borrowers, community contacts, and relevant local stakeholders.
Meet agreed portfolio, customer acquisition, collection, and service objectives.
Provide regular updates on field activities, customer engagement, portfolio performance, and emerging issues.
Follow approved lending, customer service, compliance, and operational procedures.
Represent Brisk Credit Ltd professionally during customer visits and community activities.
Gather useful market feedback that can help improve customer service and lending operations.
Support other reasonable field-credit activities assigned by the relevant supervisor.

Diploma or degree in Business Administration, Finance, Accounting, Economics, Commerce, Banking, Microfinance, or another relevant business-related discipline.
At least two years of practical experience in group lending or a closely related credit environment.
Demonstrable understanding of group-based lending and borrower relationship management.
Experience working directly with customers in a field-based financial services environment.
Ability to assess customer information carefully and maintain accurate records.
Familiarity with loan repayment monitoring and basic credit administration.
Strong communication skills in English and the ability to interact effectively with customers in the assigned region.
Applicants should be willing to undertake regular field visits as required by the position.
Knowledge of the local business and community environment within the assigned territory will be useful.

Group lending and customer mobilisation
Loan appraisal and credit assessment
Repayment monitoring
Customer relationship management
Field-based sales and business development
Collection and follow-up skills
Clear verbal and written communication
Negotiation and customer engagement
Record keeping and documentation
Basic financial analysis
Problem identification and practical resolution
Time and territory management
Professional judgement
Confidential handling of customer information
Ability to work independently while contributing to a team
Target-oriented approach
Community relationship building
Attention to detail