KC

KAIROS CASH BAY LIMITED

Retail Operations Officer

Closes in 13 daysInternshipLusaka
Generate cover letter· ProfessionalK250 per monthTailored CV· ProfessionalK250 per month

Share

Required skills

banking operationscomplianceloan managementaccuracymicrosoft officeproblem solvingsalescommunicationcustomer servicestudent data managementsales process improvementperformance reportingngo collaboration

About the role

The Retail Operations Officer (ROO) plays a critical role in ensuring the smooth execution of retail lending processes, supporting both internal teams and customers. This role is central to maintaining operational accuracy, regulatory compliance, and service excellence across the institution’s network of agents and satellite offices. It is key in driving the institution's loan growth, customer engagement, and field operations through a strategic focus on three core pillars: Operational Accuracy & Process Discipline, Customer-Centric Communication and Multitasking & Cross-Functional Collaboration. These pillars collectively support the institution’s mission to expand financial inclusion and deliver superior client experiences.

Key Responsibilities

  1. Loan Processing & Data Management
  2. Capture loan contracts accurately into the system and ensure timely updates
  3. Conduct affordability calculations for Independent Sales Executives (ISEs)
  4. Prepare FID investigative reports for internal review and compliance
  5. Retrieve and stamp pay slips for sales teams across agents and satellite offices
  6. Assist ISEs in retrieving client bank statements when needed
  7. Retrieve CRB reports for satellite offices as required

  8. Prepare and submit data for input into CRB and PMEC systems

  9. Customer Service & Sales Support

  10. Attend to customer queries, loan statements, and clearance letter requests
  11. Support the selling of loan products by following up on system-generated sales leads
  12. Engage walk-in customers in Lusaka to promote and sell loan products

  13. Assist with collections on overdue accounts by making follow-up calls to clients

  14. Operational Coordination & Team Engagement

  15. Arrange and participate in routine meetings with staff and ISEs to align on operations
  16. Provide operational support to branch and satellite teams to resolve bottlenecks
  17. Receive office material requisitions and coordinate dispatch to satellite offices
  18. Raise payment vouchers for office expenses and maintain accurate records

  19. Perform other clerical and administrative duties as directed by management

  20. Compliance, Reporting & Process Improvement

  21. Ensure all retail lending activities comply with internal policies and regulatory standards
  22. Monitor loan documentation and operational workflows for accuracy and completeness
  23. Prepare periodic reports on loan volumes, customer service metrics, and operational KPIs
  24. Recommend improvements to streamline lending processes and enhance customer experience
  25. Support training initiatives for staff on updated procedures and systems

Qualifications & Experience

  • Bachelor’s degree in any field.
  • Minimum 2 years’ experience in retail banking, lending operations, or customer service
  • Strong understanding of loan processing, credit risk, and regulatory compliance
  • Proficiency in banking systems, Microsoft Office Suite, and data management tools

Key Competencies

  • Accuracy & Attention to Detail - Ensures precision in data entry documentation, and reporting
  • Communication - Professional, inclusive, and responsive across teams and customer touchpoints
  • Customer-Centricity - Prioritizes client satisfaction and proactive service delivery
  • Team Collaboration - Works effectively with ISEs, agents, and internal departments
  • Problem-Solving - Identifies and resolves operational challenges with agility and care
  • Process Orientation - Maintains discipline in workflows and supports continuous improvement