Senior Relationship Manager, Liabilities
HFC Limited, the banking and property finance subsidiary of HF Group, has an exciting opportunity in our Retail Department. We are seeking a talented, dynamic, self-driven, and results-oriented individual who is committed to performance, excellence, and participating in our growth strategy.
The role holder will be responsible for the deposit growth of the department, manage attrition, drive transactional growth and maximize revenue. He/she will be responsible for the management of client relationships to deliver optimal solutions to drive deposits.
They will be responsible for onboarding strategic funding partners, including SHA, IFC, MCF, AGF, and ecosystems, to support deposit growth. The role holder will drive deposits through advocates and other professionals, churches, NGOs, foundations, embassies, SME funding opportunities, and similar channels. He or she will also be responsible for understanding the needs of business banking clients and developing tailored solutions to meet these needs.
The Senior Relationship Manager will manage clients across the full financing cycle, ensuring compliance with the Bank’s internal policies and regulatory guidelines, and will conduct joint visits with branches to ensure proper management of the ecosystems. In addition, the role involves identifying opportunities for cross-selling and referrals to other HF Group business lines by developing a strong understanding of client needs, ensuring best-in-class customer experience, sales performance, turnaround time, and achievement of the desired NPS score for the department.
The position further requires continuously providing feedback on product acceptance in the market and suggesting changes that could improve uptake.
Deadline: 2026-04-10
Category: Retail
Subsidiary: HFC
Principle Accountabilities
Strategy
- Responsible for developing a detailed strategy that would enable him/her grow and maintain a customer deposit portfolio that will ensure the delivery of the business targets in accordance with the department’s annual performance plans.
- Support the drive of deposit growth and opportunities.
- Responsible for managing deposits for business banking customers, with accountability for sales, service, risk and operational delivery and acquisition of new to bank customers.
Business Development
- Responsible for effectively executing all the agreed business development and growth strategies in accordance with the long, medium- and short-term plans of the Bank and as set by the Head of Business Banking. This will be done through active portfolio management and development by maintaining & growing existing income sources and meeting set targets for new business.
- Responsible for building a high-quality client portfolio by effectively managing clients across the entire banking cycle.
Customers / Stakeholders
- Deliver a high-quality service by owning customer engagement, striving for excellence in all interactions with (prospective) customer or other partners, and always acting according to the highest professional standards.
- Ensure that client plans are co-ordinated and the respective support teams are in place with Critical Account objectives accepted, where applicable.
- Take a proactive approach to client planning across the Business Banking portfolio collaborating with product partners and senior management, as appropriate.
- Establish an effective working relationship with the Risk Management teams, in order to validate the accuracy of the customer risk profile.
- Ensure early identification of problem relationships and act where there are potential and existing problem accounts to protect HFC interests.
Portfolio management
- Conduct review of the deposit performance, addressing key mitigants and growth opportunities.
- To continuously be reassessing risks associated with the client’s and inherent in the business, taking account of changing economic or market conditions, legal and regulatory requirements, operating procedures and practices, management restructurings
- Monitor accounts and work with the relevant Bank staff to reduce risk, and work with the payments team to develop and implement retention strategies.
Operations/Compliance
- Responsible for ensuring that his/her assigned portfolio is in compliance with Bank policies.
Minimum Qualifications, Knowledge and Experience
- Business related degree from an accredited university preferably with a major in Economics, Finance, Marketing and/or Products
- At least five (5) years’ experience in banking, with proven experience of at least two (2) years in a similar position or at least 3 years banking experience and sales/marketing background, where he/she managed a portfolio of Business or Commercial/Corporate Banking clients.
- Experience in product developments and driving revenues for Business clients.
Key Competencies and Skills
- Product knowledge
- Delivering results and meeting customer expectations
- Team Work
- Listening skills
- Decision making skills
- Accountability
- Relating & networking skills
- Business acumen
- Verbal & written communication
- Selling skills
- Analytical skills
- Negotiation skills
- Supervisory skills
- IT Skills
- Report writing
- Communication skills