Relationship Manager – SME – Nairobi Region
Job Purpose
Responsible for the
effective management, control, and marketing of the Banks Product portfolio
within the branch, in line with the Bank’s policy, to ensure growth of the
balance sheet and revenue.
Key Responsibilities
Strategic input and
planning:
- Contributes to the completion of the branch operational plan
by preparing and implementing an individual business plan that encompasses
strategies for performance on branch growth objectives.
- Prepares a personal action plan that contributes to the
overall branch budget.
Sales & Business Development:
- Full responsibility for all product lines and all sales and
business development.
- Develop business opportunities and monitor business
activities in line with the Bank’s long-term strategic and annual business
plans and ensure that the branch remains competitive and promptly reacts
to changing market conditions and customer needs.
- Develop a focused relationship management approach, which
increases the branch’s ability to increase the flow of business and
generate deposits, lending, and revenues from existing and new customers
in line with the enterprise strategy.
- Ensure full compliance with the Bank’s Credit Policy, Central
Bank of Kenya guidelines, and appropriate provisions of the Banking Act
concerning lending.
- Enhance relationship marketing and management – to establish,
maintain, and enhance relationships with customers and other partners, at
a profit, so that both the customer and bank objectives are met and
achieved by a mutual exchange and fulfillment of the brand promise.
- Actively market and develop the banking products to existing
and prospective clients to grow the wallet share.
- Continuously conduct market research and competitor analysis
to identify new business opportunities.
- Manage relationships of key accounts while tapping on their
share wallet through cross-selling and upselling.
- Business development through recruiting new key accounts
while harnessing their value chains.
- Maintain a comprehensive understanding of the customers’
business plans, financial projections, and support requirements.
Strategic Marketing
- Enhance creation by creating, communicating, delivering, and
offering solutions that have value for customers, shareholders, and
partners.
- Build the Sidian Bank Brand to ensure that the bank is top of
mind as an enterprise bank.
- Understand and provide clear direction to the branch based on
market analysis of local area consumer trends and competitor offerings.
- Support product specialists and the sales teams in marketing
initiatives and other products to local businesses.
Strategic customer
experience
- Key driver for not only customer satisfaction but building a
base of promoters by enhancing positive customer experience and advocacy
to drive competitive advantage, leading to faster organic growth and lower
cost.
- Link sales and service and embed customer service culture as
the bedrock to grow the balance sheet.
Branch Operations:
- Support branch operations as assigned by the Branch Manager
to manage leave and other emergencies.
Compliance:
- Contributes to the flow of staff communications, by attending
regular staff meetings – morning huddles and weekly progress meetings.
- Adherence to dress code, code of conduct, and HR policies and
procedures and follows laid down grievance and disciplinary procedures to
ensure a conducive work environment.
- Monitor and ensure compliance with facility covenants to
ensure performance and profitability.
- Provide regular call reports for all facilities to enhance
our Monitoring & Evaluation.
- Monitor service delivery to bank customers to ensure high
levels of efficiency and effectiveness.
- Ensure compliance with both internal and external regulatory
requirements.
- Work closely with risk and compliance units to ensure
effective controls to mitigate against operational and business risks.
- Ensure implementation and compliance with operational
policies and procedures, AML/CFT Policies.
- Compliance with the Environmental Social Management (ESM)
policy and procedure in day-to-day business
Decision Making Authority
- Customer onboarding as per policy
- Portfolio management as per policy
- Credit appraisal and debt monitoring for accounts in PAR or
NPL as per policy
- KYC compliance as per policy
Qualifications
Academic Background
- University degree or above in a relevant business discipline
e.g. business administration or finance
Work Experience
- At least 6 years experience in retail banking and/or
commercial banking including a minimum of 3 years of sales experience.
Experience in the coastal region is an added advantage.
Skills & Competencies
- Sound knowledge of Retail Banking/SME products, services, and
processes together with exposure to retail banking branch operations or
customer service delivery.
- Profound understanding of the retail market, key competitors,
and offerings as well as our competitive edges to win quality customers.
- Thorough understanding of CBK regulatory framework and
pertinent regulations impacting corporate customers.
- Strong leadership, marketing, sales, and management skills.
- Highly effective communicator with excellent interpersonal
and motivational skills.
- Solid performance management and motivational skills.
- Excellent relationship-building and stakeholder management
skills.
- Strong managerial, planning, analytical, decision-making,
lateral thinking, and project management skills
Professional Certifications
- Diploma in Banking – AKIB/ACCA/CPA (K)
How To Apply
Deadline closes: 26th
November 2023
