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LOGBOOK LOAN SALES OFFICER

Job Purpose

The Logbook Loan Sales Officer will be responsible for generating and managing logbook loan business by identifying potential clients, sourcing new business opportunities, developing strong customer relationships, and supporting sustainable growth of the loan portfolio.

The role will focus on promoting logbook loan products to individuals and small and medium-sized enterprises (SMEs), guiding prospective clients through the loan process, and ensuring that required documentation and internal procedures are followed.

The successful candidate will contribute directly to loan growth by identifying suitable customers, marketing available loan products, following up on leads, and converting prospective clients into approved borrowers. At the same time, the position requires close attention to portfolio quality by monitoring client repayments and coordinating with the collections team when accounts become overdue.

The role will require a combination of sales ability, customer relationship management, networking, communication, negotiation, and knowledge of lending procedures. The successful candidate should be results-oriented while maintaining high standards of integrity, professionalism, and ethical conduct.

Key Responsibilities

1. Client Sourcing and Business Development

The Logbook Loan Sales Officer will be responsible for identifying and recruiting new customers who may be interested in logbook loan products.

Key responsibilities include:

• Identifying potential individual and SME customers.

• Sourcing prospective clients who have an interest in logbook financing.

• Building a consistent pipeline of potential borrowers.

• Approaching prospective clients and introducing them to available logbook loan products.

• Developing new business opportunities through networking and field activities.

• Recruiting suitable customers in line with the organisation’s lending requirements.

• Expanding the customer base and contributing to overall loan business growth.

The officer should maintain a proactive approach to client acquisition and consistently seek opportunities to increase the number of qualified prospects entering the loan pipeline.

2. Marketing and Sales of Logbook Loans

The successful candidate will market and sell logbook loan products to individuals and SMEs.

Responsibilities include:

• Promoting logbook loan products to prospective customers.

• Communicating the benefits and key features of available loan products.

• Identifying customer financing needs.

• Matching suitable customers with available loan products.

• Conducting sales activities within assigned areas.

• Following up on sales opportunities.

• Working towards the achievement of monthly sales targets.

• Contributing to overall loan portfolio growth.

The officer should be able to communicate confidently with potential borrowers and present loan products in a clear and professional manner.

3. Explaining Loan Terms and Conditions

The officer will ensure that prospective customers clearly understand the terms associated with the loan products being offered.

Key responsibilities include:

• Explaining applicable loan terms to prospective clients.

• Clearly communicating interest rates.

• Explaining repayment schedules.

• Explaining relevant loan conditions.

• Responding to client questions regarding the loan.

• Ensuring that customers receive clear and accurate information before proceeding.

• Supporting customers in understanding their obligations under the loan arrangement.

Clear communication will be important in ensuring that customers understand the financial commitments associated with the products they are considering.

4. Preliminary Client Assessment and Documentation

The Logbook Loan Sales Officer will conduct preliminary assessments of potential clients and collect the documentation required for the loan process.

Responsibilities include:

• Conducting initial client assessments.

• Collecting required customer information.

• Obtaining the necessary supporting documentation.

• Ensuring that submitted information is appropriately captured.

• Supporting the progression of qualified applications through the loan process.

• Identifying missing information or documentation and following up with clients where necessary.

The officer should ensure that client information and documentation are handled accurately and in accordance with established internal requirements.

5. Customer Relationship Management

Building and maintaining strong customer relationships will be an important part of the position.

Key responsibilities include:

• Developing positive relationships with clients.

• Maintaining regular communication with customers.

• Providing professional and responsive customer service.

• Understanding customer needs and responding appropriately.

• Maintaining relationships that encourage repeat business.

• Supporting referrals from existing customers.

• Following up with previous clients where appropriate.

• Ensuring customers receive appropriate support throughout their relationship with the organisation.

Strong relationship management will support customer retention, repeat business, and referrals.

6. Lead Follow-Up and Loan Conversion

The officer will actively follow up on prospective customers and work towards converting qualified leads into approved loans.

Responsibilities include:

• Maintaining records of prospective clients.

• Following up on leads generated through sales and marketing activities.

• Communicating with prospective customers throughout the application process.

• Responding to questions and concerns raised by prospects.

• Maintaining consistent engagement with potential borrowers.

• Supporting qualified prospects through the loan process.

• Working towards converting suitable leads into approved loans.

Effective lead management will contribute directly to the achievement of sales and portfolio growth objectives.

7. KYC and Policy Compliance

The successful candidate will ensure that customer onboarding and loan-related activities comply with applicable internal requirements.

Key responsibilities include:

• Ensuring appropriate Know Your Customer (KYC) documentation is obtained.

• Confirming that required customer information is properly captured.

• Following established internal policies and procedures.

• Ensuring client onboarding is conducted appropriately.

• Maintaining accurate customer records.

• Supporting compliance with relevant lending procedures.

• Identifying and addressing documentation gaps where necessary.

The officer should maintain high standards of accuracy and compliance throughout the customer acquisition and loan process.

8. Repayment Monitoring and Portfolio Quality

The role will also contribute to maintaining the quality of the loan portfolio.

Responsibilities include:

• Monitoring customer repayment performance.

• Following up on overdue accounts.

• Maintaining communication with clients regarding repayment matters.

• Coordinating with the collections team on overdue accounts.

• Supporting efforts to maintain portfolio quality.

• Identifying repayment concerns and following up appropriately.

• Contributing to the maintenance of acceptable Portfolio at Risk (PAR) levels.

While the position is primarily focused on sales and business generation, maintaining healthy portfolio performance will remain an important responsibility.

9. Sales and Portfolio Growth

The officer will be expected to achieve agreed monthly sales and portfolio growth targets.

Key responsibilities include:

• Achieving monthly loan sales targets.

• Contributing to overall portfolio growth.

• Increasing the number of logbook loans booked.

• Generating revenue through successful loan business.

• Maintaining a healthy sales pipeline.

• Balancing loan growth with portfolio quality requirements.

• Working consistently towards agreed performance objectives.

10. Record Keeping and Reporting

Maintain accurate and up-to-date records of customer interactions and sales opportunities.

Responsibilities include:

• Recording client interactions accurately.

• Maintaining updated pipeline information.

• Tracking prospective customers.

• Maintaining appropriate customer records.

• Providing relevant sales information to management.

• Preparing required reports accurately and on time.

• Supporting management with information on sales activities and portfolio development.

11. Market Intelligence

The officer will gather information from the market and provide relevant feedback to management.

This includes:

• Providing information about customer needs.

• Sharing feedback on market conditions.

• Monitoring competitor activities.

• Providing competitor feedback to management.

• Identifying information that may support sales and business development activities.

• Communicating relevant market observations.

12. Marketing Campaigns and Field Activities

The successful candidate will participate in activities designed to promote the organisation’s loan products.

Responsibilities include:

• Participating in marketing campaigns.

• Supporting promotional activations.

• Participating in field visits.

• Engaging potential customers during marketing activities.

• Promoting logbook loan products in relevant markets.

• Supporting customer acquisition activities.

13. Customer Service

The officer will provide quality customer service throughout the loan relationship.

This includes:

• Supporting customers before loan disbursement.

• Providing appropriate information during the loan process.

• Maintaining communication with customers after disbursement.

• Responding professionally to customer questions.

• Supporting a positive customer experience throughout the lending process.

Key Performance Indicators

Performance in the role will be assessed against the following key indicators:

• Number of new logbook loans booked.

• Growth of the loan portfolio.

• Portfolio at Risk (PAR) maintained within acceptable limits.

• Client retention and repeat business rate.

• Achievement of revenue generation targets.

These indicators will measure the officer’s ability to generate new business while supporting customer retention, portfolio quality, and revenue growth.

Minimum Qualifications and Experience

The successful candidate should possess:

• A Diploma or Degree in Business Administration, Marketing, Finance, or a related field.

• At least 2–3 years of experience in microfinance or logbook loan sales.

• Strong negotiation and persuasion skills.

• Excellent communication skills.

• Strong relationship management abilities.

• Ability to work effectively under pressure.

• Ability to meet and work towards established sales targets.

• Knowledge of microfinance regulations.

• Understanding of lending procedures.

Key Competencies

The ideal candidate should demonstrate the following competencies:

• Sales-driven and results-oriented: Demonstrates strong commitment to achieving sales and portfolio growth objectives.

• High integrity and ethical standards: Maintains professional and ethical conduct when dealing with customers and handling lending activities.

• Customer-focused: Prioritises customer needs while maintaining appropriate lending and compliance requirements.

• Strong networking skills: Able to develop relationships and identify potential business opportunities.

• Analytical and reporting skills: Able to maintain accurate records, analyse relevant information, and provide appropriate reports.

The successful candidate should combine strong sales capability with customer relationship management, lending knowledge, networking ability, and a disciplined approach to compliance and portfolio quality. The role requires an individual who can generate new business, build lasting client relationships, achieve targets, and contribute to sustainable growth of the logbook loan portfolio while maintaining high standards of integrity and professionalism.

Application

Interested and qualified candidates should forward their CV to: hr@aspirelending.co.ke using the position as subject of email.