Business Relationship Associate (Full-Time)

Location: Accra, Ghana
Company: Affinity Ghana
Application Deadline: 20 March 2026

Company Profile

Affinity Ghana is a forward-thinking digital banking institution committed to driving financial inclusion and empowering small and medium-sized enterprises (SMEs). We combine innovation, technology, and customer-centric solutions to create sustainable value for our clients and communities.

We foster a collaborative and performance-driven environment where curiosity, ownership, and digital transformation define our culture.

Role Overview

As a Business Relationship Associate (BRA), you will take ownership of the SME customer journey—from acquisition and on boarding through transactions, deposits, and quality loan management. You will build strong, value-driven relationships with clients while safeguarding the company’s interests.

We define quality lending as a mutually beneficial relationship where customers access funds to meet business needs and demonstrate the ability to repay sustainably. If you are passionate about digital banking, SME growth, and portfolio development, this role offers an exciting opportunity to grow your career.

Key Responsibilities

Customer Experience

You will:

• Understand customers’ operations and sectors to provide tailored financial solutions.

• Drive adoption of digital platforms to reduce friction and improve service efficiency.

• Process customer documentation and mandates accurately and efficiently.

• Demonstrate customer obsession by placing the client at the center of every interaction.

• Build and maintain strong, long-term client relationships.

Sales Growth

You will:

• Develop and execute structured calling schedules to engage all customers within your portfolio.

• Build and manage a strong pipeline of prospective SME customers.

• Offer lending solutions aligned with customer needs and repayment capacity.

• Ensure products and pricing are clearly explained to customers and prevent mis-selling.

• Effectively onboard and retain customers throughout their lifecycle.

Credit Risk Management

You will:

• Plan and execute annual credit reviews across the portfolio.

• Support customers in completing credit application documentation accurately.

• Communicate credit approval or decline decisions professionally.

• Monitor daily account activity using available tools to ensure compliance with risk parameters.

• Provide first-line defense against loan portfolio deterioration.

• Ensure all covenants and conditions are satisfied before disbursement and on an ongoing basis.

Compliance & Regulatory

You will:

• Ensure strict adherence to KYC and AML requirements before and after account opening.

• Maintain accurate and up-to-date documentation for all portfolio customers.

• Use customer information proactively to prevent fraud.

• Comply with company policies and basic safety rules.

Requirements

Key Skills & Competencies

• Strong selling and relationship management skills.

• Excellent analytical and quantitative thinking abilities.

• Strong commercial awareness and portfolio value orientation.

• Critical thinking and creative problem-solving skills.

• Excellent planning and organizational skills.

• Customer-focused with strong empathy and communication abilities.

• Decisive, accountable, and detail-oriented.

• Digitally savvy with a passion for financial inclusion through technology.

• Strong understanding of financial statement analysis and credit risk management.

• Strong reading and comprehension skills for interpreting financial and regulatory documents.

Education & Experience

• Minimum of a Bachelor’s Degree (Business or related field preferred) from a recognized institution.

• At least two (2) years’ experience in SME relationship management.

• Minimum of one (1) year experience in a credit or risk environment.

Why Join Us?

• Drive SME growth in a fast-evolving digital banking environment.

• Build meaningful customer relationships that create sustainable impact.

• Work in a dynamic, technology-driven, and inclusive culture.

• Develop your expertise in credit risk, digital banking, and relationship management.

How to Apply

Interested and qualified candidates should submit their CV.