JOB ADVERT

Letshego Holdings Limited was incorporated in 1998; it’s headquartered in Gaborone and has been publicly listed on the Botswana Stock Exchange (BSE) since 2002. It is an inclusive finance focused group with consumer, micro-lending and deposit-taking subsidiaries across sub-Saharan Africa.

An opening has arisen within Letshego Rwanda Limited LRL for the below-mentioned position. This role is tenable at LRL.

POSITION: Relationship Officer (RO) 3

Reports to: The incumbent will report to Branch Manager.

Location: Kimironko and Musanze Branches

Purpose of the Job:

The Relationship Officer (RO) plays a vital role in customer acquisition, credit assessment, portfolio growth, and client relationship management. The RO is responsible for identifying potential clients, evaluating their creditworthiness, disbursing microloans, and ensuring timely repayments. This role requires a proactive, target-driven individual with strong interpersonal skills and a passion for financial inclusion and community development.

Key Accountabilities:

Client Acquisition & Onboarding

• Identify and recruit new clients through field visits, referrals, and community engagement.
• Conduct orientation and financial literacy sessions for new clients.
• Assist clients in completing loan applications and ensuring all required documents are submitted.

Loan Assessment & Disbursement

• Carry out detailed credit assessments, including household visits and business evaluations.
• Prepare loan proposals and present them to the Branch Credit Committee.
• Facilitate timely loan disbursements while ensuring adherence to credit policies and procedures.

Portfolio Management

• Monitor loan utilization and provide support to clients to ensure productive use of funds.
• Conduct regular follow-ups to ensure on-time loan repayments.
• Identify and address early warning signs of repayment challenges.

Customer Relationship Management

• Maintain strong relationships with clients by providing excellent after-loan service and support.
• Address client complaints or concerns professionally and escalate when necessary.
• Promote other financial products such as savings, insurance, or mobile banking.

Reporting & Compliance

• Maintain accurate records of client interactions, loan files, and repayment schedules.
• Submit daily, weekly, and monthly reports on loan performance and field activities.
• Ensure full compliance with internal policies, credit guidelines, and regulatory requirements.

Qualifications and Experience:

• Bachelor’s degree or diploma in any related field.
• At least 1–2 years of experience in microfinance, sales, or customer service is preferred.
• Basic understanding of credit assessment and micro-lending practices.
• Strong communication, negotiation, and problem-solving skills.
• Proficiency in MS Office and familiarity with mobile or digital banking tools.
• Ability to ride a motorcycle (with a valid license) is often an added advantage for fieldwork

Embrace the Group uniquenesses

The job holder shall, at all times embrace Group uniqueness’s set out below:

• Simple - Straight forward and uncomplicated
• Appropriate - Relevant and suitable
• Accessible - Welcoming and consistent
• Ethical - Honest and principled
• Responsive - Receptive and compassionate
• Inclusive - Embracing and proactive

Essential and Desired Competencies

• Deciding and Initiating Action
• Leading and Supervising
• Working with People
• Adhering to principles & values
• Relating and Networking
• Persuading and Influencing
• Presenting and Communicating Information
• Writing and Reporting
• Learning & Researching
• Planning and Organizing
• Coping with Pressures and Setbacks
• Commercial Thinking
• Analytical

Additional Information:

Jobholder should be a person of high integrity and discretion with confidential matters.

Multi-cultural awareness and the ability to interact with a wide range of differing levels and sectors of staff, society, social and business, is an essential characteristic of the person holding this position.

• Identify and recruit new clients through field visits, referrals, and community engagement.
• Conduct orientation and financial literacy sessions for new clients.
• Assist clients in completing loan applications and ensuring all required documents are submitted.
• Carry out detailed credit assessments, including household visits and business evaluations.
• Prepare loan proposals and present them to the Branch Credit Committee.
• Facilitate timely loan disbursements while ensuring adherence to credit policies and procedures.
• Monitor loan utilization and provide support to clients to ensure productive use of funds.
• Conduct regular follow-ups to ensure on-time loan repayments.
• Identify and address early warning signs of repayment challenges.
• Maintain strong relationships with clients by providing excellent after-loan service and support.
• Address client complaints or concerns professionally and escalate when necessary.
• Promote other financial products such as savings, insurance, or mobile banking.
• Maintain accurate records of client interactions, loan files, and repayment schedules.
• Submit daily, weekly, and monthly reports on loan performance and field activities.
• Ensure full compliance with internal policies, credit guidelines, and regulatory requirements.

• Strong communication skills
• Negotiation skills
• Problem-solving skills
• Proficiency in MS Office
• Familiarity with mobile or digital banking tools
• Ability to ride a motorcycle (with a valid license)
• Deciding and Initiating Action
• Leading and Supervising
• Working with People
• Adhering to principles & values
• Relating and Networking
• Persuading and Influencing
• Presenting and Communicating Information
• Writing and Reporting
• Learning & Researching
• Planning and Organizing
• Coping with Pressures and Setbacks
• Commercial Thinking
• Analytical

• Bachelor’s degree or diploma in any related field.
• Basic understanding of credit assessment and micro-lending practices.