Job Purpose

To develop and manage the Branch portfolio and to lead the branch effectively to ensure the achievement of assigned branch business objectives/targets for deposits, financing assets, cards and product sales targets, profitability objectives, and implementation of superior customer service culture and standards, while adhering to Banks policies and guidelines.

Key Responsibilities

• Cascade the sales targets assigned by the Head of Distribution and branches, or in his absence, by CEO/Managing Director to branch staff.
• Identify and implement action plans and regularly track and review performance to ensure the achievement of the set targets and business growth objectives cascaded down by the Head of Distribution and Branches, or in his absence, by the CEO/Managing Director.
• Meet regularly with the branch customers including important/ high net worth customers to assist in the growth of business Manage the product portfolio of each line of products and control the cost and profitability of the branch.

Customer Service

• Maintain high levels of customer service in all front office functions such as Cash Management, Remittances, drafts, Account opening/ inquiry & maintenance, sales and after sales by efficiently abiding to the process and by reducing customer waiting time and service time. Promote a high level of customer service culture among the branch staff for potential acquisitions.

Service Quality & Business Operations Control

• Attend all audit requirements and strive to have a null /low risk audit rating and ensure that all the branch operations are in accordance with the established Bank’s policies, operating manuals, service quality standards and code of conduct for smooth workflow, high service quality, and low level of operational risk and report any deviation to the management.
• To maintain a low risk level of cash difference by following diligently the process set by maintaining detailed accounting records of daily cash flow as well as regular review of daily MIS reports, checking notes, denominations & security items in order to ensure accurate delivery of cash to customers.
• Monitor continuous customer complaints and mystery shopping results and recommend necessary measures and initiatives to improve the score and to ensure high customer satisfaction.
• To ensure a high level of safety & security measures are in place as well as to maintain proper communication with the police department whenever it is required.

Internal Process

• To lead any branch projects (Service Quality Programs, Process changes, sales… etc.) and support the launch of new products and services as per the consumer banking business plan.
• To maintain an accurate archives file for all branch transaction records, vouchers, stationary reports. Follow up on various cases with all the concerned stakeholders such as customers, internal Bank’s departments to ensure 100% closing mandates.

Training & Development

• Analyze the training and development needs of staff and nominate them for an appropriate training course to close the skill gaps and ensure that all staff are well trained and fully aware of the bank’s products and services, policies and procedures.
• Build and maintain effective communication skills with branch’s staff by conducting regular staff meetings and discussions to have a high level of staff engagement and Job satisfaction.
• To ensure proper staff management in terms of annual leave, performance appraisal, two days off as well as to ensure proper resources allocation to meet the branch’s business requirements.

Job Specification

• Education    Bachelor’s degree from a recognized university Master’s degree will be an advantage.
• Training / Skills    General Banking knowledge Local and/or international Market knowledge Computer skills Accounting & Financial capability
• Work Experience    Minimum 4 Years in a similar role Must have worked in the coastal region in a similar role Experience in a Sharia compliant Bank will be an added advantage
• Competencies    Analytical Thinking Coaching and Mentoring Communication Skills Flexibility Leadership Liaison Skills Planning & Organizing Relationship Management Banking Services Sharia Foundations & principles of Islamic finance