Relationship Officer at Alan & Grant

Job Summary

• The role focuses on proactive sales, referral development, cross-selling, digital channel adoption and portfolio quality.
• The job holder drives deposit mobilisation and income generation through targeted campaigns, relationship management and market development while ensuring compliance with KYC, AML/CFT and internal policies.

Key Responsibilities

Deposit mobilisation and sales

• Achieve growth across KPIs: liability mobilisation, CASA and fixed deposits, new funded accounts, income generation, and e-banking product adoption.
• Actively seek new sales opportunities through cold calling, networking, referrals, merchant and payroll initiatives, and community outreach.

Account opening and onboarding

• Open and convert funded accounts; ensure KYC/AML documentation is complete and accurate before funding.
• Explain product features, fees and benefits; onboard customers to digital channels (mobile, USSD, internet banking) to increase transactional volumes.

Customer relationship management

• Build and maintain strong relationships with retail and small business customers; conduct periodic account reviews and needs assessments.
• Cross-sell and bundle products (standing orders, payroll solutions, e-wallets) to deepen wallet share.

Portfolio and risk management

• Maintain a healthy portfolio and deposit mix; monitor account activity and retention.
• Identify potential credit or lending opportunities and refer qualified prospects to the credit team; support documentation but do not own collections unless assigned.

Market intelligence and product development

• Monitor competition and gather marketplace information on pricing, products and promotions.
• Recommend changes to products, services or processes based on market feedback and performance results.

Requirements

• 3-5 years in retail banking, microfinance, or customer-facing sales role with demonstrable deposit mobilisation or business development results preferred.
• HND/BSc in Business, Finance, Social Science or related field.
• Microfinance certification or relevant banking training is an advantage.
• Strong sales, negotiation, and relationship management skills focused on deposit products.
• Proficiency with the bank’s core systems and Microsoft Office.
• Excellent verbal and written communication skills.