Relationship Manager - Schemes at HF Group

Overall Job Purpose

The Relationship Manager - Schemes will be responsible for driving Retail Schemes Solutions to grow quality asset & liability portfolios, attracting and retaining customers from specified schemes companies to maximize of profit through a motivated sales team.They will also be responsible for retaining the existing scheme customer base and enhance the value chain through cross-selling of other bank products and services.

Principle Accountabilities

• Identify potential schemes companies and develop methods/approaches of driving the sales efforts within the scheme to attain the sales budget.
• Manage the sales activities in scheme companies as per sales strategy by planning, directing and monitoring to efficiently and economically attain the sales budget.
• Manage and coordinate schemes customer support from loan approvals leading to disbursement to ensure regular customer information update and agreed TAT is adhered to for customer satisfaction.
• Make schemes proposals for further recommendation to approval by the Head of Sales.
• Product and Policy development recommendations, review and implementation through dissemination of market intelligence, proposals, reports emanating from the sales team in order to enhance niche market competitiveness.
• Source potential organizations and recommend their inclusion in HF approved schemes list. Maintenance of relationship with existing schemes including carrying out sales presentations and scheme sales activations.
• Support Retail, Branch, Direct Sales & other sales channels to achieve sales objectives in Kenya and follow-up and resolution of customer service issues that arise from schemes.
• Work with Marketing & Product Development teams in the development and execution of marketing initiatives for acquisition, retention and growth of customer base.
• Support launch of products, sales strategy and campaigns to key segments for profitable and quality business.
• Facilitate effective management and service delivery to all HF check-off schemes.
• Key link person for maintenance and growth of HF approved check-off schemes.
• Involvement with Business units & credit teams and employers to reduce Portfolio at Risk for scheme loans, both existing and new.
• Involvement in design of processes for check-off loans administration to reduce wastage and reworks
• Proactive involvement in aligning Bank’s service delivery and internal processes with emerging County business and devolved functions of Government.
• Generate referrals and use market intelligence to achieve deeper relationships with customers.
• Advise the Business on companies and individuals which exhibit high risk policies and practices hence control and manage risk
• Drive cross selling and migration by tailoring solutions to deepen client relationships
• Maintain a strong performance culture through an inspiring the sales teams

Minimum Qualifications, Knowledge and Experience

• A business related degree
• Minimum 5 years’ experience in banking with at least  3 years in Scheme Relationship Management in a highly competitive environment.

Key Competencies and Skills

• Presentation skills
• IT Skills (Basic MS Office)
• Schemes management
• Financial Analysis
• Interpersonal skills
• Analytical skills
• Leadership
• Communication skills
• Time management
• Negotiation skills
• Selling skills
• Presentation skills