Business Relationship Officer

About the role

Kolomoni Microfinance Institution (Gambia), a CBG-licensed microfinance institution serving customers across The Gambia, is recruiting Business Relationship Officers to grow its merchant and MSME business. The officer acquires, activates and manages agents, merchants and MSMEs, helping them open business accounts, use payments, make deposits, use POS and access approved financing. Success is measured by businesses that fund, transact and stay, not by accounts opened; the role is field-based with extensive market visits.

Key responsibilities

• Map and prospect formal and informal businesses in assigned markets and sectors.
• Explain Kolomoni's business propositions accurately and convert eligible prospects.
• Collect complete KYB documentation and support compliant onboarding without bypassing controls.
• Ensure new businesses fund their accounts, transact and keep transacting.
• Mobilise deposits and deepen relationships through suitable payment, savings and operating products.
• Source evidence-based POS placement opportunities and submit finance-ready leads to Credit.
• Maintain accurate pipeline, visit and portfolio records, and escalate suspicious behaviour and early credit warning signals.

Required profile

• Two or more years in relationship sales, SME engagement, banking, mobile money, payments, FMCG distribution or merchant acquisition.
• A record of acquiring customers who then transact, not just opening accounts.
• Diploma, HND or degree in business, banking, finance, marketing or a related discipline; equivalent relevant experience may be considered.
• Documentation discipline, local-language communication and the judgement to decline business that will not perform.

Required skills

• Working knowledge of SME needs, business accounts, payments, POS and deposits.
• Basic understanding of KYB and AML.