ABOUT KRAY MICROFINANCE

Kray Microfinance Limited is a fast-growing microfinance institution focused on financial inclusion through account opening, investment and credit growth. We operate a territory-based field model and are seeking disciplined, results-driven Field Banking Officers to grow and manage customer relationships within gazetted areas.

ROLE PURPOSE

The Field Banking Officer (FBO) is a frontline field role responsible for:

a. Opening new customer accounts

b. Mobilising investments

c. Building long-term customer relationships

d. Operating strictly within an assigned gazetted territory

This role is ideal for individuals who enjoy fieldwork, customer engagement, and performance-based growth.

KEY RESPONSIBILITIES

A. New Account Opening

• Actively identify and onboard new customers within the assigned territory
• Educate customers on Kray Microfinance products and services
• Ensure accurate completion of account opening documentation

B. Savings Mobilisation

• Mobilize regular customer deposits (daily, weekly, monthly)
• Encourage consistent saving behaviour among customers
• Follow up on deposit commitments and inactive accounts

C. Investment Mobilisation

• Market and explain Kray investment products to eligible customers
• Convert savers into investment customers
• Support customers through the investment onboarding process

D. Territory Management & Discipline

• Work strictly within the assigned gazetted territory
• Build deep knowledge of businesses, households, and groups in the territory
• Maintain visibility and consistent presence in the territory

E. Customer Relationship Management

• Build trust-based relationships with customers
• Provide basic after-sales support and follow-up
• Address customer inquiries and escalate issues appropriately

F. Collections Support

• Follow up customers on agreed deposit or repayment commitments
• Support branch collections activities as guided
• Ensure proper documentation and confirmations for all collections

G. Daily Field Reporting

• Submit daily activity reports including:
  • Area worked
  • Accounts opened
  • Deposits mobilized & Investments mobilised
• Participate in weekly performance reviews

QUALIFICATIONS & EXPERIENCE

Minimum Requirements:

• Uganda Advanced Certificate of Education (UACE), Diploma, or Bachelor’s degree
• Previous experience in sales, marketing, microfinance, banking, or FMCG is an added advantage
• Willingness to work full-time in the field

SKILLS & ATTRIBUTES

• Strong interpersonal and communication skills
• High level of discipline and honesty
• Self-motivated and target-driven
• Ability to work outdoors and walk long distances
• Basic record-keeping and reporting skills
• Good understanding of local communities (added advantage)

WHAT WE OFFER

• Monthly salary and field allowances
• Performance-based incentives
• Structured training and mentorship
• Clear career progression to supervisory and branch leadership roles
• A high-performance, accountable work culture

• Actively identify and onboard new customers within the assigned territory
• Educate customers on Kray Microfinance products and services
• Ensure accurate completion of account opening documentation
• Mobilize regular customer deposits (daily, weekly, monthly)
• Encourage consistent saving behaviour among customers
• Follow up on deposit commitments and inactive accounts
• Market and explain Kray investment products to eligible customers
• Convert savers into investment customers
• Support customers through the investment onboarding process
• Work strictly within the assigned gazetted territory
• Build deep knowledge of businesses, households, and groups in the territory
• Maintain visibility and consistent presence in the territory
• Build trust-based relationships with customers
• Provide basic after-sales support and follow-up
• Address customer inquiries and escalate issues appropriately
• Follow up customers on agreed deposit or repayment commitments
• Support branch collections activities as guided
• Ensure proper documentation and confirmations for all collections
• Submit daily activity reports including: Area worked, Accounts opened, Deposits mobilized & Investments mobilised
• Participate in weekly performance reviews

• Strong interpersonal and communication skills
• High level of discipline and honesty
• Self-motivated and target-driven
• Ability to work outdoors and walk long distances
• Basic record-keeping and reporting skills
• Good understanding of local communities (added advantage)

• Uganda Advanced Certificate of Education (UACE), Diploma, or Bachelor’s degree
• Previous experience in sales, marketing, microfinance, banking, or FMCG is an added advantage
• Willingness to work full-time in the field