JOB PURPOSE

The purpose of the role is to grow the consumer loan and liability book through retail customers, corporate schemes/partners, Government institutions, Developers, and other relevant partnerships.

KEY RESPONSIBILITIES

• Drive sales budgets/targets through the branch sales team to ensure they are achieved.
• Establish and maintain a strong customer focus approach both with internal and external customers.
• Facilitate and develop sound relationships with the Employers, Government institutions, Insurance companies and other strategic partners.
• Enter key partnerships with key stakeholders in the consumer lending segment.
• Ensure participation in relevant forums with key partners/customers
• Facilitate and develop sound relationships with the internal channels such as Branch network, Marketing units and other Head Office departments.
• Proactively engage customers to establish service levels and initiate constant improvement.
• Provide regular and honest feedback to agents and clients.
• Ensure that sub-ordinates maintain a good rapport with all customers in a professional manner.
• Keep customers constantly informed on the progress of their applications and drive this culture throughout the team
• Adherence to the consumer lending product profile, Credit Policies, Legislation (KYC) & (AML).
• Identify and address any fraud related activities and ensure risk exposure is minimized.
• Conduct a needs analysis to identify customer needs effectively when opening new accounts or giving product advice.
• Complete disclosure to the customers in terms of accreditation, repayments, service fees, and commissions.
• Research of industries in which existing and potential clients operate, to identify and understand the contextual threats to those clients.
• Maintain a high quality-lending book, through prudent and effective management thereof.
• Proactively assess the review process of existing facilities, ensure a consistent thorough and timely evaluation of all existing facilities.
• Ensure that allocated work is processed within the set TAT, therefore meeting monthly targets.
• Provide weekly/monthly management information reports to all relevant stakeholders.
• To perform any other duty as assigned in line with the Organizational goals and objectives.

QUALIFICATION AND EXPERIENCE REQUIREMENTS

• Holder of bachelor’s degree in a business-related field.
• Thorough knowledge of MSME banking product and policies.
• Minimum 3 year working experience in the same position
• AKIB banking certificates will be an added advantage
• 3 years’ experience in banking 2 of which should be in Business development (Personal Banking/Consumer lending) and customer relationship management.
• Knowledge of lending products and prudential guidelines.
• Ability to lead teams and deliver business results.
• Must be self-driven; possess excellent administrative, communication and interpersonal skills, strong organization, and negotiation skills.

JOB PURPOSE

Provide financial and business solutions to micro customers including credit solutions, liability products and customer service.

KEY RESPONSIBILITIES

• Driving customer recruitment for micro business customers.
• Leading in developing suitable products and services for micro in liaison with the branches, HOD Retail Banking and the Product Development team
• Delivery of exceptional performance through the micro business team.
• Proactive leading and directing the relationship teams accountable for the portfolio of micro business customers.
• Taking initiative in terms of business development activities and ensuring that quality business is retained, and high service standards are delivered by the team.
• Demonstrating an intimate knowledge of the market and the competitor to inform market penetration, growth, and retention.
• Making quick business decisions that balance risk, profitability and most importantly responsiveness to customer needs.
• Conducting regular customer visits to enhance relationship development and customer maintenance, as well as growth of the business wallet.
• Monitoring quality of the loan book advances by reviewing arrears, account excesses and irregular accounts, among others.
• Monitoring performance against set targets.
• Conducting customer engagement initiatives like financial literacy, coaching and mentorship

QUALIFICATION AND EXPERIENCE REQUIREMENTS

• Holder of bachelor’s degree in a business-related field.
• Thorough knowledge of MSME banking product and policies.
• Minimum 3 year working experience in the same position
• Professional banking qualifications will be added advantage
• Knowledge of lending products and prudential guidelines.
• Ability to lead teams and deliver business results.
• Must be self-driven; possess excellent administrative, communication and interpersonal skills, strong organization, and negotiation skills.