Detailed 3D reconstruction and photo-realistic relighting of digital humans are essential for various applications. To this end, we propose a novel sparse-view 3d human reconstruction framework that closely incorporates the occupancy field and albedo field with an additional visibility field--it not only resolves occlusion ambiguity in multiview feature aggregation, but can also be used to evaluate light attenuation for self-shadowed relighting. To enhance its training viability and efficiency, we discretize visibility onto a fixed set of sample directions and supply it with coupled geometric 3D depth feature and local 2D image feature. We further propose a novel rendering-inspired loss, namely TransferLoss, to implicitly enforce the alignment between visibility and occupancy field, enabling end-to-end joint training. Results and extensive experiments demonstrate the effectiveness of the proposed method, as it surpasses state-of-the-art in terms of reconstruction accuracy while achieving comparably accurate relighting to ray-traced ground truth.