Branch Business Consultant, Personal Banking, Job in Kenya

 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 primarily responsible for servicing and managing client relationships under Personal Banking by engaging them, identifying their needs, and providing them with the appropriate products, services, and solutions from the entire range of HFC Banking products.

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.


  • 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.

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