Kolomoni Microfinance Institution (Gambia) is a CBG-licensed microfinance institution serving customers across The Gambia. We are recruiting Business Relationship Officers to grow our merchant and MSME business.

THE ROLE
You will acquire, activate and manage agents, merchants and MSMEs — helping them onto Kolomoni business accounts, payments, deposits, POS and approved financing. You will be measured on businesses that fund, transact and stay, not on accounts opened. The role is field-based with extensive market visits.

WHAT YOU WILL DO

Map and prospect formal and informal businesses in your assigned markets and sectors.
Explain Kolomoni business propositions accurately and convert eligible prospects.
Collect complete KYB documentation and support compliant onboarding without bypassing controls.
Make sure new businesses fund their accounts, transact, and keep transacting.
Mobilise deposits and deepen relationships through suitable payment, savings and operating propositions.
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.

Requirements

WHAT WE ARE LOOKING FOR

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 accounts opened.
Working knowledge of SME needs, business accounts, payments, POS, deposits, and KYB and AML basics.
A 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.

Erforderliche Kompetenzen

Merchant and MSME acquisitionMarket mapping and prospecting of formal and informal businessesProduct pitching and sales conversion of business propositionsKYB (Know Your Business) documentation and compliant onboardingAML awareness and escalation of suspicious behaviourCustomer activation and transaction retention (drive funding and ongoing use)Deposit mobilisation and relationship deepening through payments and savings propositionsPOS placement identification and opportunity sourcingLead qualification and submitting finance‑ready leads to CreditEarly credit risk identification and escalation of warning signalsDocumentation discipline and accurate pipeline/visit/portfolio record‑keepingLocal‑language communication and stakeholder engagement

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