Relationship Manager – Branch Banking at Sidian Bank

JOB PURPOSE

The Regional Manager is responsible for overseeing the performance and operations of the assigned region, driving sales, managing portfolios, leading teams, fostering relationships with key stakeholders, and ensuring compliance with lending guidelines and regional objectives. The Regional Manager acts as a strategic link between regional operations and the head office to achieve overall business growth and sustainability.

KEY RESPONSIBILITIES 

• Regional Business Development
• Portfolio Management
• Stakeholder Engagement
• Customer Relationship Management
• Team Leadership and Management

Regional Business Development

• Develop and implement strategies to drive business growth in the assigned region.
• Identify and secure partnerships with employers, institutions, and other stakeholders to expand the client base.
• Conduct market analysis to identify opportunities, trends, and competitor activities within the region.
• Collaborate with product development teams to tailor offerings to meet regional client needs.
• Lead regional campaigns and promotional activities to enhance product visibility.

Portfolio Management

• Monitor the regional portfolio to ensure optimal performance and adherence to risk management guidelines.
• Analyze portfolio performance data, identifying trends and areas requiring intervention.
• Collaborate with credit and collections teams to manage default risks and maintain a healthy portfolio.
• Prepare and present detailed performance reports to senior management.

Stakeholder Engagement

• Build and maintain relationships with regional partners, including employers and other institutional stakeholders.
• Represent the organization at regional forums, negotiations, and stakeholder meetings.
• Foster collaborative relationships with partners to ensure seamless operations.

Customer Relationship Management

• Oversee the delivery of exceptional customer service within the region.
• Resolve escalated client issues and concerns promptly to maintain satisfaction.
• Develop and implement customer retention strategies to build long-term relationships.

Team Leadership & Management

• With the support of the HR Business Partner, the regional Manager has the ultimate responsibility for the Human Resource Management of the team and consults with HR on clarity and interpretation of the HR policy.
• Set performance objectives and measures of success for direct reports, providing regular feedback from staff appraisal processes and contributes to the ability of staff to meet performance objectives by providing day to day supervision, training and support and leading performance processes in accordance with Sidian policies and procedures.
• Responsible for assigning tasks to staff, scheduling and monitoring work and reviewing results for timeliness, accuracy and quality.
• Contributes to the flow of staff communications, by leading regular staff meetings – morning huddles and weekly progress meetings.
• Encourages staff to participate in internal and external training and development opportunities as these arise and in accordance with individualized development plans.
• Responsible for the presentation and service standards of retail staff to ensure a professional image is maintained with all clients.
• Ensures adherence to dress code, code of conduct and HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment.
• Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings.
• Ensure there is proper succession planning by maintaining an effective leave program and an in-house training schedule for ease of relief due to leave or sickness.
• Ensure the set number of learning/training hours are achieved for self and direct reports, through E-learning and Internal training activities.

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.
• Master’s degree will be an added advantage.

WORK EXPERIENCE

• At least eight (8) years’ experience in banking or financial services, with at least five (5) years in a leadership role.
• Proven track record of managing regional operations, portfolios, and stakeholder relationships.
• Experience in business development and team leadership.

SKILLS & COMPETENCIES

• Excellent leadership, interpersonal & team management skills;
• In-depth knowledge of credit risk management and business growth strategies;
• Strategic thinker with good commercial acumen and ability to identify economic opportunities in changing environment and capitalize on them;
• Excellent communication and interpersonal skills;
• Excellent Business Presentation skills;
• Good financial analysis skills;
• Excellent problem solving and decision-making skills;
• Knowledgeable in credit, legal (conveyancing) and lending knowledge;
• Knowledge of banking processes and Banking Law;
• Demonstrate an understanding of the Banking Act, CBK prudential guidelines and credit policies;
• Strong negotiation and networking skills;
• Good performance track record in business development;

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (added advantage)
• Certifications in Banking, Credit Management, or Leadership are an added advantage.