La Riba Universal Banker
Job Summary.
To provide excellent
customer experience, and deliver exceptional Islamic Banking business growth in
Branch Network and profitability. To observe compliance & control
requirements, keeping a high level of bank standards.
Main accountabilities
and approximate time split.
Business Growth: Time
Split – 60%
- Absa
Bank Limited
- Have
a clear understanding of all Retail and Business Banking Islamic Banking
products that could satisfy customer needs.
- Manage
portfolio risks in line with banks’ portfolio appetite.
- Collaborate
in the development and implementation of Islamic Banking sales initiatives
with other business functions i.e. Direct sales team, Asset Finance, CIB,
and Bancassurance to maximize cross-selling and better customer profiling
opportunities.
- In
conjunction with the branch manager, Industry heads, and products, conduct
product review and development through constant feedback from the market.
- Continuously
conduct market intelligence to identify new markets, customer trends, new
government / directives and changes in policy by regulators.
- Contribute
to the development of Islamic Banking branch sales strategy.
- Plan
and coordinate any marketing approaches for new business and actively
develop existing relationships.
- Actively
seek to grow own portfolio and cross-sell to ensure delivery of set
Targets. Appraise and promptly address customer issues /complaints
escalating as necessary to ensure timely resolution as per the set
standards.
- Ensure
quality sales and new to-bank accounts within your portfolio are promptly
funded at customer onboarding.
- Continuously
monitor own performance against targets agreed on on a daily basis for new
and existing clients. Initiate appropriate action plans to address any
shortfalls in performance.
- Operationalize
campaigns as required with the Branch Manager and the business.
- Ensure
excellent customer experience at all times
- Drive
business targets through strict TAT observance and high-level service
delivery standards.
- Should
not advise an existing customer to open a similar account in their
respective branches with a view of moving funds between the accounts.
- Should
not close an existing account in your Branch/domiciled in another Branch
with a view to re-opening a similar account.
- Accounts
re-streaming should be carried out in line with the Banks policy.
- Together
with BM, create ownership of the branch performance targets. Agree on
branch execution plans/strategies and ensure they are aligned to the
Bank’s overall strategy- Growth, Transformation, and Returns.
Internal Controls &
Risk Management: Time split -10%
- Ensure
that Absa bank’s policies and procedures are adhered to at all times when
handling different products.
- Ensure
adherence to all KYC & AML Processes with regard to new and existing
business and that proper documentation is in place.
- Ensure
compliance with Operations Risk requirements to avoid losses arising from
operational lapses.
- Manage
costs within your area of operation.
- Effectively
carry out branch snap checks as assigned by the assistant branch manager.
- Ensure
the new business is properly booked and all income due to the Bank in
terms of charges, commissions, and fees are collected as per the current
tariff.
- Accurate
customer information is captured in the core banking system.
Customer Experience: Time
split- 20%
- Ensure
excellent customer experience is maintained at all times.
- Ensure
set TAT in account onboarding and loan processing is achieved at all times.
- Appraise
and promptly act on customer issues /complaints escalating as necessary to
ensure timely resolution.
- Ensure
set TAT in response to customer queries by phone, email, or letters is
strictly adhered to.
- Ensure
customer data is up to date at all times
- Ensure
branch NPS scores are maintained as per the set standards
- In
conjunction with the Branch Manager, co-ordinate branch initiatives aimed
at gathering feedback from customers on service standards and advise
leadership for improvements
- Monitor
service to ensure customers are served within acceptable waiting time
having a work plan for both peak and off-peak periods.
Capacity Building &
People Management: Time Split -10%
- In
conjunction with the Branch Manager, Assistant Branch Manager, and other
branch colleagues create a conducive work environment, teamwork and
effective succession opportunities to ensure maximum productivity.
- Ensure
the assigned e-learning and internal training activities for self and
direct reports are undertaken within set timelines.
- Determine
and manage Training Needs Analysis and own succession planning.
- Manage
your own leave by working closely with your Line Manager
Education
Further Education and
Training Certificate (FETC): Business, Commerce and Management Studies
(Required)
How to Apply