About This Role: This is a broad, high-ownership role designed for a fast-growing, lean DCP. The officer will simultaneously carry responsibilities of: field business development, credit and loan operations, and collections.
About Pato Capital Limited Pato Capital Limited is a Central Bank of Kenya-licensed Digital Credit Provider headquartered in Nairobi. We offer accessible, responsibly priced financial products to salaried employees, micro-entrepreneurs, and small businesses, guided by three principles; Borrow Wisely. Grow Steadily. Protect Fully! Role Summary The Credit and Relationship Officer is Pato Capital's primary operational hire. You will be the face of the company to partners and borrowers, the engine behind our credit operations, and the safeguard of our loan book quality through active collections. In practical terms, you will simultaneously: • Drive business growth by signing employer partners, onboarding MSME borrowers, and originating leads across the full product suite including insurance and investment referrals. • Own end-to-end credit operations: KYC, credit assessment, disbursement, LMS record-keeping, and compliance documentation. • Manage the collections pipeline proactively, from first-day-overdue SMS reminders through to structured delinquency management and CRB referral. This role requires someone who is equally comfortable in a boardroom presenting to an employer HR director, in the field visiting a Mama Mboga trader, and at a desk reconciling a repayment register. The right candidate will see the full breadth of this role as an accelerated development opportunity, not a constraint. Key Responsibilities
Employer Partner Onboarding • Prospect, approach, and sign employer organisations (companies, schools, NGOs, and county government units) into Pato Capital's payroll check-off programme. • Facilitate completion of the Payroll Deduction Agreement and all required KYC documentation for each new employer partner. • Coordinate employee sensitisation sessions at partner workplaces to drive adoption of the EWA and Salary Advance products. • Maintain a live employer pipeline tracker covering prospect stage, agreement status, key contacts, and portfolio activity per employer. MSME and Borrower Origination • Identify, approach, and onboard Mama Mboga traders, small business owners, and informal sector entrepreneurs onto the MSME working capital loan product. • Conduct field-level pre-screening: collect M-Pesa statements, verify business premises, capture photos and GPS location, and prepare a structured pre-assessment note. • Explain product terms clearly to prospective borrowers: processing fee, repayment schedule, CRB implications, and borrower rights under the CBK Digital Credit Provider Regulations. Insurance, Investment, and Wealth Ecosystem Leads • Educate employer partners and individual borrowers on Pato Capital's broader Wealth-Tech ecosystem: PAYG insurance, money market fund referrals, and pension planning products. • Capture qualified leads from interested individuals and route them to management for follow-up with the relevant insurance or fund manager partner. • Support co-branded financial wellness events with insurance and fund manager partners at employer sites. Customer Aggregator Partner and Fund Administration Onboarding • Coordinate onboarding of Customer Aggregator Partners (chamas, SACCOs, investment clubs, churches, and NGOs) as fund administration clients: collect KYC, prepare fund administration agreements, and set up sub-accounts on the LMS. • Support onboarding of insurance company partners for surrender value loan products and PAYG insurance distribution. • Onboard supplier borrowers and their invoice buyers into the invoice financing pipeline, coordinating invoice verification with the buyer before submission for approval. KYC and Credit Assessment • Collect and verify KYC documentation for all borrower types: National ID, payslip, M-Pesa statement, employment letter (employer channel), business registration and photos (MSME channel), insurance policy document (surrender value loans), pension statement (annuity-backed loans), and invoice plus buyer confirmation (invoice financing channel). • Run CRB checks via the approved bureau for all new borrowers and flag adverse listings to the approving officer before disbursement. • Apply the Global Borrower Limit: calculate affordability using % of net income cap, and flag applications that exceed the limit before they proceed to approval. • Prepare a structured credit assessment note for approval by the COO or MD for each application. Disbursement Processing • Support in the processing of fund disbursements as required, for all approved loans across all active product lines. • Confirm and record processing fee deductions, credit guarantee pool levy deductions, and net-to-borrower amounts at the point of disbursement. • Update the LMS with full disbursement details: disbursement date, maturity date, repayment schedule, and applicable channel. • Issue loan confirmation messages to borrowers via SMS or WhatsApp immediately upon disbursement. Repayment Tracking and Reconciliation • Monitor daily repayment activity across all channels: M-Pesa paybill, payroll check-off remittances, and bank transfers. • Reconcile repayment receipts to the LMS daily and flag discrepancies to the Finance Officer for resolution. • Track payroll check-off remittance confirmations from employer partners and follow up on any late or short remittances. LMS Records and Data Integrity • Maintain complete, accurate, and audit-ready borrower records on the LMS: KYC documents, approval notes, disbursement records, and all borrower correspondence. • Flag any suspicious transaction patterns • Maintain the Register of Borrowers and ensure all credit files are organised and retrievable at all times. Proactive Delinquency Monitoring • Own the daily overdue report: review all accounts 1 or more days past due across every product channel and flag to the COO. • Segment the delinquency pipeline by product, channel, and partner for targeted and structured follow-up. • Identify early warning signals: missed first payment, repeated restructure requests, employer deduction failures, or sudden M-Pesa inactivity. Active Collections by Stage • First-line collections via SMS, WhatsApp, and phone call per the agreed contact protocol. • Escalated follow-up including field visits to MSME borrowers, direct engagement with employer HR or payroll teams for check-off failures, and engagement with invoice buyers for overdue invoice repayments. • Insurance-backed and annuity-backed loans: engage the relevant insurer or pension administrator to initiate policy surrender or annuity offset where the loan terms permit. • Prepare structured delinquency reports for COO review, assess eligibility for restructuring, and initiate the CRB listing notification process for accounts set days past due. Restructuring and Escalation • Assess eligible overdue accounts for restructuring options: tenor extension, payment moratorium, or partial settlement, all subject to COO approval. • Prepare CRB listing notifications and submit listings to the approved bureau for qualifying accounts per the CBK-prescribed process and within the timelines stated in the Terms of Use. • Escalate accounts warranting formal legal demand to management and coordinate with the external advocate. Portfolio Quality Reporting • Produce a weekly collections report for management: accounts contacted, promises to pay received, payments collected, restructures completed, and CRB referrals made. • Identify systemic patterns in defaults by employer, product, or borrower segment, and recommend corrective action to management. • Maintain the PAR30 tracker by channel and product line and update it weekly.
Qualifications and Experience • Diploma or bachelor’s degree in business, Finance, Economics, Banking, or a related field. • 2 years of experience across at least two of the following: field sales or business development, credit and loan operations, collections or credit recovery, relationship management in financial services. • Demonstrated ability to manage multiple concurrent priorities: partner relationships, loan applications, and a delinquency pipeline, without letting any fall through. • Familiarity with Kenya's CRB landscape (TransUnion, Creditinfo, Metropol), KYC procedures, and the DCP regulatory framework is a strong advantage. • Comfortable with M-Pesa business transactions, digital loan management systems, and Excel or Google Sheets for tracking and reconciliation. • Resilient, ethical, and assertive: able to collect firmly while maintaining borrower dignity and full regulatory compliance. • Excellent communicator, equally effective presenting to an employer HR manager, conducting a field visit with an MSME borrower, and reporting to management in writing.
How to apply: Send your CV to: recruitment@patocapital.com
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