Relationship Manager, Retail (Branches) - Faulu at Old Mutual Kenya

Introduction...

Reporting to the Branch Manager the job holder will ensure growth of customer numbers, retention and maximum returns to the company by ensuring good customer service is rendered to the customers through timely loan processing and payments, growth of Liability, Asset, Bancassurance and quality Retail loan book in the branch through effective management of the Sales Teams.

Minimum Requirements...

• Bachelor's degree in any social sciences.
• Diploma in sales and marketing will be an added advantage.
• Advanced knowledge in marketing and credit risk management.
• Good analytical skills especially using the business analysis tools.
• At least 3 years related experience, two of which should be in a sales related role.
• Good communication and interpersonal skills.
• Excellent problem solving and decision-making skills.
• Team player/thinker.
• A person of high integrity and professional decorum, keen on timely achievement of targets.

Job Specification...

• Portfolio growth and management
  • Outreach/recruitment activities in customer on-boarding.
  • Growth of Deposits both Cheap and Term deposit in line with the Bank Strategy.
  • Growth of the Loan book through quality disbursements.
  • Growth of all Bancassurance products through all the Bank distribution.
  • Identify schools, Government office, Churches and Corporates in areas of operations.
  • On time Disbursement and pipeline management.
  • Client retention and on time service delivery.
  • To drive Salaried loans in the Branches.
  • Facilitate timely employer by-products collections, reconciliations for loan follow up and on-time scheme remittances.
  • Proper Relationship Management of existing Schemes within the jurisdiction.
  • Sales Consultant numbers optimization and contracting; Recruitment, training and effective supervision of Sales Consultants.
  • Value addition by expanding the revenue basket through salary processing in existing relationships.
• Loan underwriting/processing
  • Thorough documents scrutinization i.e. pay slips, national ID, staff IDs, etc.
  • Ensuring every application is approved by the authorized signatories by conducting work station verification.
  • Documentation due diligence and integrity.
  • Compliance to audit standards and company policy.
  • Proper management of TAT on all loan applications.
  • Conduct BCC for every loan application as per the credit policy.
• Training Role
  • Dissemination of information to prospective clients about Faulu.
  • Recruitment, Continuous SCs training and Motivation.
  • Client motivation and enhanced relationship management.
  • Ensuring clients understand operations policy.
• Default management
  • Ensuring requisite employers' approvals on all application through ensuring work station verification is conducted.
  • Understand and resolve all the underlying causes of default.
  • Compliance to policy in the initial period of recruitment.
  • Ensuring all the applications meets the third rule.
  • Prompt payment collection and timely Salary processing for the customers.
• A link with the public
  • Liaise with local administration.
  • Ensure well-managed relationships with the institutional heads of various Corporates.
  • Ensure well-managed relationship with HR functions of the serviced institutions and all relevant contacts.
  • Ensure maximum value is derived from all existing and new partnership arrangements.
• AML KYC & CFT Responsibilities
  • Monitor, on a continuous basis, all transactions to ensure that unusual and suspicious transactions are reported to the Money Laundering Reporting Officer (MLRO).
  • Implementing and enforcing the board approved AML, KYC & CFT policy in as far as is applicable within my area of responsibility.