Senior Relationship Manager, Micro Banking
Are you a go-getter, positive-minded individual who fits the role
profile captured below? There is an opportunity for ambitious, self-driven
individuals to fill the above position.
REPORTING TO: CHIEF RETAIL BANKING OFFICER.
Job Purpose: The successful
candidate will be responsible for setting the strategic agenda for Micro
Banking through balance sheet growth, Customer Acquisition, Customer retention,
profit & loss targets in order to support achievement of overall business
strategy; in a cost effective manner. The job holder will be involved in
product development oversight aimed at sustaining the Bank’s competitive
position within Micro Baking Segments.
Key Responsibilities:
- Ensures that all new businesses are in line with
AML/KYC and CTF laws and regulations and customer information is regularly
updated.
- Ensure compliance with the Data Protection laws,
policies and procedures of the Bank.
- Develop and lead the implementation of the micro
Banking Segment strategy in line with the overall Retail Banking Strategy;
to ensure achievement of profitability targets through revenue
maximization and prudent cost management.
- Drive sustainable growth and acquisition of new
customers for the Micro Banking through the creation, development and
maintenance of high quality advisory relationships.
- To drive customer-led propositions for the Micro
Banking Segment by developing a pipeline of value adding customer
solutions to include customer experience, products, and service offers.
- Manage an effective Micro Banking customer’s loyalty
program for networking and deepening of Micro Banking market penetration
through the Mobile lending strategy.
- Ensure strong cross- selling of existing and new
products to existing and new clients; and in this process, maintain
effective liaison with all relevant business units in the Bank.
- Facilitate training programs to enhance product
knowledge to the Retail Banking teams, branch staff and sales teams on
Micro Banking Products.
- Maintains a detailed and current understanding of
the industry; (Micro Banking, current market structures; regulatory
requirements and issues) to ensure that that opportunities are realized
and the risks mitigated.
- Ensure timely submission of quality credit proposals
in conformity with the Credit Policy guidelines and requirements whilst
maintaining the quality of the Micro Banking portfolio within the
stipulated Non-Performing Loans (NPL) and Portfolio at Risk (PAR)
parameters.
- Lead, motivate, and continuously develop a credible
high performing Micro Banking team.
- Review reports to ensure no loss arises from
operational lapses and ensure compliance with operations risk
requirements.
- Submit Excess Applications where applicable and
ensue NFI is collected as required.
- Manage check referral process to ensure timely
feedback.
- Ensure house-keeping activities are undertaken
without failure to guarantee a clean book
- Support business operations to ensure audit
operations return a minimum of “satisfactory” rating.
- Manage customer queries, complaints and other
correspondence in a timely manner and within set standards for customer
satisfaction.
- Be conversant with policies and procedures
pertaining to all bank products and services and be able to adapt to
change in these as well as technological changes, and customer
sophistication.
- Acquisition and managing of Micro Banking customer
relationships through pro-active and consultative approach and detailed
understanding of existing customers’ businesses to enhance liabilities and
revenues
- Achieve budgeted growth in Micro Banking within
agreed and approved business risk parameters.
- Deepen and secure existing and new business
relationships through the analysis of needs and provision of products and
services.
- Conduct customer meetings that have defined call
objectives, desired outcomes and a well-constructed plan.
- Monitor existing portfolio performance to ensure PAR
is within the acceptable bank’s standards.
- Ensure adherence of all bank’s prescribed processes,
standard operating procedures and central bank requirements.
- Role Models the Brand and Corporate Values of the
Bank in the internal and external market environment
- Creating meaningful partnerships and
knowledge/resource sharing, creating a supportive team environment to deliver
results and bring out the best in team members.
- Any other official duties that may be assigned to
you from time to time by Management.
Key Competencies and Attributes
- Proven experience in team management, supervision or
leadership within a customer facing environment, including performance
management & people development.
- Goal focused and able to spot business
opportunities.
- Builds networks and maintains strong relationships.
- Has passion and drive to achieve results under
difficult circumstances
- Pleasant and able to relate well in diverse social
set ups and teams
- Upholds high standard of Professionalism, integrity
and respect for others
- Drives high performance in teams.
- Ability to develop productive working relationships
and achieve results with deadlines.
Qualifications:
- Bachelor’s degree in Commerce/Business related
field.
- Master’s Degree or Professional qualification in
Banking or related field is a plus.
- Comprehensive understanding of the Micro Banking
market, external environment, and sector.
- Strong presentation skill set
- Good analytical skills
- Highly effective communication and collaboration
skills
- High level of cooperation with others and is
responsive to the bank’s and team’s needs.
- Have a minimum of 5 years working in the Banking
Industry; 2 of which must be in a management position.
How to Apply
ALL applicants MUST apply online to the email; recruitment@familybank.co.ke; closing date is 20th
January 2023. Canvassing will automatically disqualify the candidate. Only
shortlisted candidates will be contacted.
“We are an equal opportunity employer”
