BGSL is seeking applications from competent, dynamic and self-motivated individuals to fill the following position: Client Relationship Officers

Duty station: Koforidua and Akim Oda

PURPOSE

To help program for smooth cash and bank transaction and Record keeping

MAJOR RESPONSIBILITIES

Survey of the working area:

• Conduct 15-20 household surveys per day

• Identify potential clients based on survey results

• Demarcate the working area for proposed groups

Formation of small group and large group:

• Discuss with the identified target members in small groups

• Formation of small groups consisting of five members

• Select a group leader for each small group

• Form a large group management committee

• Give a two-week orientation for members of large groups

• Collect member admission fee from the members as per BRAC Ghana circular

• Enter group members admission data on the mobile phone/tab and sync whenever possible

• Schedule meeting dates, time and venue

• Form a group with a minimum of 15 members for MF and 10 members for Agri-Finance, and a maximum of 30 members for MF and 20 for Agri-Finance

• Admit new members if a group becomes too small due to drop out or other reasons

Meeting related responsibilities

• Conduct two to three groups meetings per day

• Timetable for conducting meetings :1st meeting at 08:30am ,2nd meeting at 09:30 am 3rd meeting at 10:30am (it could be changed based upon office time)

• Be present at meeting place 15 minutes before the group meeting begins

• Arrange the group members to sit in a U-shape according to small groups

• Take attendance in register

• Discuss general issues about loans and any other issues

• Collect weekly installment deposits from small group leaders through the respective small group cashiers, and collect signatures on mobile device

• Return to the office after completing the group meetings by 1.30pm

• Cash received from group meetings near a branch should be deposited at the branch before proceeding to another group meeting (To avoid robbery risk)

• Staff should follow safety and security guidelines while transporting money

Loan proposal and disbursement related

• Ensure members’ loan proposals are discussed in the group meetings

• Accept loan proposals through verbal votes in the presence of the group members

• Credit officer should provide enter all loan data such as loan applications, guarantor details from DP Notes etc. in digital system.

• Fix a disbursement date after verifying loan applications and inform the members accordingly

• Be present in person on disbursement day to participate in the disbursement process

Loan recovery related

• Credit officer must attend weekly/bi-weekly /monthly group meetings and should ensure 100% recovery of loan installments.

• Cash received should be deposited/submitted to Branch Accountant and ensure the entry of the deposited amount in the DCR with signature

• If any installment is missed in the morning group meeting, initiate collection of the installment in the afternoon through visits to borrowers /small group leaders’ houses.

• Initiate collection of late and NIBL installments in the afternoon along with current overdue collection

• Initiate the recovery of loans for written-off client’s, should they wish to come back to BRAC as clients

Miscellaneous

• Be present at the weekly staff meetings.

• Prepare daily, weekly and monthly reports.

• Follow BRAC Human Resources Policies and Procedures.

• Efficiently execute other responsibilities given by the senior management.

• Always adhere to the Code of Conduct for Microfinance staff and treat clients respectfully.

• Strive to provide the best quality service to the client on the field and at the branch

• Listen to clients’ complaints/concerns/opinions carefully and take appropriate measures.

Safeguarding responsibilities:

• Establish a safeguarding culture across all levels of the institution by implementing the safeguarding policy.

• Act as a key source of support, guidance and expertise on safeguarding for establishing a safe working environment.

• Responsible to ensure team members are appropriately trained, supported and have access to resources regarding issues that are identified and actioned in accordance with the safeguarding policy and procedure.

• Follow the safeguarding reporting procedure in case any reportable incident takes place, encourage others to do so.

EXPERIENCE (Including sector/industry):• Cash and Bank transactions. Cash Requisition preparation, Cash Certificate preparation and bank Reconciliation statement

• Knowledge in application Microsoft Word, Microsoft Excel.

• Experience: At least one year’s experience working

KNOWLEDGE, SKILLS & COMPETENCIES:

• Knowledge of MS World, MS Excel

• Effective communication skills.

• Writing and reporting skills in English

SPECIFIC EDUCATIONAL/PROFESSIONAL QUALIFICATION:

• Minimum of SHS certificate (WASSCE) Concentration / Major

How to Apply

All qualified and interested persons should send their cover letters and CVs to bgslhirings23@gmail.com by 30 August, 2026.

 PLEASE STATE THE NAME OF THE POSITION AND PREFFERED LOCATION AS SUBJECT OF MAIL.

FEMALES ARE ENCOURAGED TO APPLY