Business Analyst at Gulf African Bank

Job Description

Job Purpose:

The role of Business Analyst is to support the business team members- Assistant Relationship Managers (ARM) and Relationship managers (RM) in their respective teams / region, to manage a high-quality portfolio of clients in a manner that complies with the Bank’s policies. (In line with Shariah and other banks, regulators policies).

Key Responsibilities:

Consumer Pipeline Management

• Implement the Retail Personal Finance business plan and strategy.
• Ensure efficient conversion of approved assets through follow-up with relevant parties.

Relationship management

• Support Retail Business Development, Monitoring, and Debt Recovery in implementing strategies to improve the Retail asset portfolio.
• Address and resolve complaints.
• Coordinate with support functions to grow consumer banking assets.

Internal Business Process and Compliance

• Comply with all applicable laws, regulations, and the Bank’s internal policies and procedures when executing assigned duties.
• Review and manage personal finance and check-off facilities daily.
• Collate the weekly and monthly Retail pipeline and track conversion.
• Effect check-offs promptly and ensure delivery of check-off schedules/instructions to employers.
• Monitor monthly loan and check-off payments.|
• Review and reconcile all scheme accounts by the 5th and 15th of each month to assess performance.
• Prepare credit modification reports within SLA, including scheme account restructures, by the 15th of each month.
• Actively engage support functions, including Credit Risk and SDU, to drive efficiency and growth.
• Ensure full compliance with Credit Policy Guidelines. |
• Comply with internal and regulatory requirements.
• Submit performance reports and adhere to internal SLAs. |
• Develop and continuously review retail banking operational policies and procedures, ensuring compliance.
• Perform any other duties assigned by management from time to time.

Business Support function

• Undertake support and liaison functions between the bank, customers, and employers.
• Ensure targeted MOUs achieve desired uptake and penetration.
• Compile and share regular retail performance reports with relevant teams.
• Monitor portfolio clean-up and follow up with Credit Administration to ensure all facilities are correctly maintained in the system.
• Grow the bank’s market share through innovative banking products and services.
• Build and maintain customer relationships to achieve excellent service and loyalty.
• Coordinate sales activations and cross-sell initiatives to increase customer usage of existing products and services.
• Collate asset and liability commitments by Retail RMs.
• Provide daily updates on disbursed deals for Coast and up-country branches.

Key Relationships

Direct Reports to this Position

None

Customers of this Position

• All Departments in the Bank
• All current and potential future Retail customers.
• Debt collectors.
• Schemes Institutions.
• Credit Monitoring & DRU
• Credit Risk, Legal & SDU departments

Education Qualifications and Experience

• University degree in a business-related field.
• Awareness of financial services.
• Knowledge of the credit industry, legal processes, and their application in scheme administration.
• Relationship Management experience.
• Strong public relations skills in formal and social settings, with the ability to build and maintain effective working relationships.