Job Purpose

To achieve business growth in the retail segment. The role holder will have a holistic view of all accounts within his/her portfolio, using lead generation and account prioritization to cross sell Bank products and extract value from said portfolio whilst maintaining/building customer relationship and account information.

Key Responsibilities:

• Acquisition: Business Development
• To ensure growth of Branch Retail Portfolio (NFI, Deposits and assets) through the acquisition of new to bank customers through the Business sales officers and lead generation.
• Actively generates referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity • To ensure acquisition of customers to digital channels e To effectively manager and expand the relationships with existing SME Banking clients and bringing in new partnerships from existing portfolio so as to ensure business growth and continuity
• Portfolio Profitability (Cross-Sell & Retention)
• Grow Retail customer portfolio size (Product per customer, Non funded income, deposits and assets) by deepening existing customer relationships
• Ensure a clear retention plan for overall portfolio deposits and loans for the segment, to execute this plan in conjunction with Branch Managers
• Monitor account planning for all clients that will assist in advising on potential financial solutions based on identified needs
• Assist in resolving queries in a timely and appropriate manner
• Assist in collaborating with product specialist to deliver effective customer solutions
• Ensure fulfilment of minimum customer relationships touch points e.g. I visit every quarter and I call and email a month a month depended on customer segment
• Prepare and submit all reports may prepare management reports summarizing individual and team loan activity
• Ensure all customers are on-boarded on a digital platform i.e. Gabpesa, internet banking
• Ensure P PC of 3 across the portfolio
• To understand business, their life-cycles and the various product offerings that can be given to the customer
• To evaluate credit proposals and ensure the credit applications process on a timely basis with the bank’s set turnaround times
• Customer and Markets
• Maintaining/updating customer data on parameters such as Business turnover/ directors details etc.
• Ensure all customers engagements are recorded accordingly
• Compliance
• To ensure compliance with both internal and external regulatory requirements
• To continuously follow business operational and credit policies ensuring their compliance

Other

• To safeguard and promote the bank’s image with the general public
• To assist in other issues aspects such as issue resolution and activities related to credit support and product partners to support our growth strategy
• Meets regularly with internal referral sources to establish business relationships and
• develo s network of outside referral sources for new business.

Qualifications and experience

• Bachelor’s degree in any field
• At lease 2-3 years experience in managing clients
• Excellent interpersonal skills
• Excellent communication and presentation skills