Relationship Manager- Transactional Banking and Digital Sales (FMB) at Old Mutual Kenya

Business Development (Income generation, Customer registration, Activity, Liquidity Management, Disbursement growth)-50%

• Work closely with Branches, MSME, SME and Community RMs, IB RMs, Business Banking and Retail Banking relationship team on fully embedding Transaction Banking solutions into the customer business.
• Co-ordinate Sales, Product Management, Customer Service and Operations to ensure client satisfaction when using the banks digital solutions.
• Responsible and accountable for product revenue realization as set in the bank’s strategy
• Become the Customers trusted advisor for the delivery of the e-Banking and Transaction banking solutions.
• Advise the bank management on any new developments in the e-Banking and Transaction Banking front to keep pace with competition.
• Drive and deliver exceptional sales performance by identifying and meeting customer needs through selling & cross selling of Specific Transaction Banking Products & Services.
• Identify cross–sell opportunities when making customer contact so as to maximize the customer value from each interaction.
• Champion product and sales activities to drive business growth.

Business Planning and Strategy- 25%

• Develop and prepare standard proposals and presentations for banking services that will be pitched to potential clients.
• Liaise with the bank developers and partners to continuously promote and design competitive products for the bank.
• Become the point of reference for clients and bank on the Transaction Banking initiatives.
• Implement e-banking and Transaction Banking product solutions to clients, of varying size and complexity.
• Assess and recommend pricing guidelines for Online Banking and Transaction Banking products to ensure that we remain competitive and at the same time increase overall revenue collection.

Service Management -15%

• Implement electronic banking and Transaction banking product solutions to clients, of varying size and complexity.
• Either through own initiative, or teams, be a pro-active member of the department, working to reduce project implementation cycle time.
• Co-ordinate resolution of Transaction Banking related problems within the agreed TAT.
• Become the point of reference for clients and bank on the Transaction Banking initiatives.
• Provide MIS and metrics on progress of deals managed and provide input to management on customer implementation progress, and issues, for discussion with Sales Managers, and Relationship Managers.

Cost Containment – 10%

• Ensure Return on Equity is achieved for all facilities advanced to clients by driving to achieve agreed share of wallet (SOW) for Transaction Banking products.
• Ensure our Cost of Funds are effectively managed by pursuing and retaining cheap liabilities through utilization of Transaction Banking products.
• Ensure prudent use of bank resources such as taxis and during customer events such as lunches.

KEY RESPONSIBILITIES

Target Achievement

• Ensuring the targets set by the bank on digital strategy are met fully and timely. This will be measured quarterly to check progress.

Innovation

• Engage on regular innovation forums with vendors, Information Technology and Management teams and contribute towards ensuring the banks product remain innovative and competitive.

Compliance

• Comply with all the existing banks policies and procedures
• Submit to Risk and audit team when called upon to
• Constant review on the banks digital and transaction banking strategies to ensure they are at per with the best in the market

Pipeline and Leads Management

• Maintain a well UpToDate pipeline of customers to onboard on the bank’s digital platforms
• Do presentations with the supervisor for regular reviews

Conduct regular staff product trainings

• Ensure staff are trained regularly on the bank’s digital solutions
• Create CVPs for the sales team in the bank to use during customer presentations

MINIMUM QUALIFICATIONS/EXPERIENCE

• University Degree in a Business/Sales/IT Related Field - Minimum 2nd Class Honors
• ACIB/AKIB Banking qualifications will be an added advantage.
• A professional qualification in IT or project management field is an added advantage.
• Minimum of 3-5 years of experience in Digital/Cash Management/ Transaction Banking role.
• Proficient in Ms Office Suite – Ms Word, Power Point, Ms Visio, Ms Excel, Ms Access etc.
• Strong Understanding of Digital and Cash management products including Mobile Banking, Internet banking, Host to Host Integration, Digital Leding and Card Business