Job Title: Branch Business Consultant -Personal Banking
Hiring Organization: HFC
Limited
Location – Locality: Nairobi
Location – Region: Kenya
Industry: Banking
and Property Finance
Job Type: Full
Time
Salary: KES
Competitive
Date Posted: 03/12/2024
The
Branch Business Consultant is responsible for driving profitability and revenue
growth from their portfolio with a focus on new acquisitions, deepening
existing customer relationships, and cross-selling, thereby increasing customer
share of wallet with the bank.
Principle Accountabilities
Relationship
Management & Customer Service
- Provide
clients with personalized service to develop close relationships, achieve
maximum profitable contribution for the client and the bank, and build
client loyalty.
- Identify
financial and non-financial requirements for clients by conducting a
financial needs analysis.
- Ensure
clients are aware of all financial services offered by the bank’s-drive
full-service bank agenda.
- Use
systems effectively for customer contact management, sales and service
activity.
- Ensure
delivery of service promises for improved customer satisfaction levels.
- Minimize
client attrition.
- Ensure
set Complaint Management processes are followed and TATs are met.
Business
Development
- Source
New Business from clients through referrals, marketing activities and
personal contacts.
- Develop
the customer base and expand the unit’s business growth through marketing
of banking products and services.
- Enhance
HFC personal Banking sales/ revenues and promote cross-selling of bank
products to all existing clients.
- Achieve
Revenue goals, Sales and Portfolio growth targets across a range of
products and services.
- Achieve
Product Holding per customer growth targets
- Ensuring
revenue growth through customer acquisition, new need identification,
product cross-sell and re-engineering increased product usage for existing
clients.
- Participate
in cross departmental customer calls for marketing initiatives.
- Drive
segment-based focus products agenda and conduct branch product trainings.
- Complete
training programs allocated in line with your Role.
Controls
- Ensure
that the target market selection criterion is adhered to and that we are
in full compliance with Know Your Customer (KYC) and Anti Money Laundering
(AML) requirements.
- Strong
responsibility for ethical selling to customers with complete disclosure
about products and services.
- Ensure
Portfolio allocated is closely monitored and actions recommended are
diligently executed.
- Ensure
required approvals are obtained before authorizing payments.
- Monitor
overdrawn accounts/ overdue loans and follow up for clients to regularize.
- Ensure
accounts are not overdrawn without authorization.
- Adhere
to set processes and procedures
Key
Competencies and Skills
Technical
skills
- Knowledge
of Banking and Business Operations: Well round knowledge of ALL the Bank’s
operations and processes and excellent knowledge of Bank policies and
procedures
- Audit
Standards and Legislations: Good knowledge of International Accounting and
Audit Standards, and Legislations.
- Compliance
and Regulatory Framework: Good understanding of the regulatory issues,
reporting and operational requirement as provided by CBK, KRA, KIB, etc.
- Conceptual
and Analytical Skills: Ability to quickly grasp and understand systems and
keen to detail.
- Intricate
understanding of products pertaining to customers both internal and
external (competitors).
- Basic
market knowledge of various investment vehicles / markets/ economics.
- Strong
interpersonal skills and appreciation for diversity.
- Team
player with ability to train, develop and mentor junior staff.
- Relationship
Management skills.
- Networking
Skills.
Personal
attributes
- Communication
and Interpersonal Skills: Ability to build rapport easily with customers,
have well-developed oral and report-writing skills, and have the ability
to work individually and as part of a team.
- Results
and Achievement Oriented: strives to achieve results, enjoys measuring
others, being measured, and being judged on performance standards.
- Personal
Ethics: You must be honest, fair, just but firm with self, and of high
integrity.
- Negotiation
Skills: You must be a good negotiator, particularly in changing behavior
and work practices, but always seek a win-win outcome.
Amiable
personality.
- Minimum
Qualifications, Knowledge and Experience
Academic
Qualifications:
- Bachelor’s
degree in a business-related field
Work
Experience:
- Minimum
3 years’ experience in a similar job with a financial services
institution.