Head of SME at KCB Bank Kenya

The Position: Reporting to the Director Retail Banking, the Head of SME, will be responsible the growth & profitability of the SME Banking and small holder Agribusiness Segment through the development and execution of the SME & Agribusiness strategy whilst maintaining high level of customer satisfaction.

Key Responsibilities:

• Develop and lead the implementation of the SME Sector 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 SME Banking & Agribusiness business through the creation, development and maintenance of high quality advisory relationships.
• To build and maintain productive and strategic relations with customers/ suppliers/ line manager/ stakeholders to drive the development and delivery of business solutions and revenue growth for the SME Sector.
• To drive customer-led propositions for the SME & Agribusiness segment by developing a pipeline of value adding customer solutions to include customer experience, products, and service offers.
• Manage an effective SME customer’s loyalty program for networking and deepening of KCB SME market penetration through the Biashara club/ KCB Entrepreneur’s club.
• 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.
• Champion the delivery of consistent, seamless and trusted customer service to ensure customer retention and loyalty.
• Facilitate training programs to enhance product knowledge to the Business Banking teams, branch staff and sales teams on SME and Agribusiness Products.
• Maintains a detailed and current understanding of the industry; (at a macro, SME & Agribusiness, 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 SME portfolio within the stipulated Non-Performing Loans (NPL) and Portfolio at Risk (PAR) parameters.
• Ensure compliance to the Bank’s policies, procedures and regulatory requirements.
• Lead, motivate, and continuously develop a credible high performing SME team.

The Person

For the above position, the successful applicant should have the following:

• A university degree in a Business related area. Possession of a post graduate degree or professional qualification in a related field will be an added advantage
• At least 8 years general banking experience at Senior management level and 5 of which must be in the Small Medium Enterprise (SME) sector and must have:

Experience in Credit analysis and administration.
Experience in Customer service/Relationship Management.
Experience in Sales & Product development.

• Experience in Agribusiness is essential
• Demonstrated consistent high performance in role(s) held in the last three years
• A thorough knowledge of Small Medium Enterprise (SME) Products, Retail Banking products and services, and extensive Banking Industry knowledge.
• Excellent interpersonal, and negotiation skills with the ability to network, generate new business and develop strong business relations.
• Strong leadership skills with demonstrated competences in championing high performance management.
• A good understanding of risk, credit policies and procedures.
• Excellent planning, Organization, problem solving and analytical skills.