Senior Manager Retail Banking -Faulu Microfinance Bank at Old Mutual Kenya

Job Description

Responsible for driving and delivering excellent business performance through powerful relationship management between the bank and various employers ensuring market penetration, optimum productivity, operational efficiency and outstanding customer service.
The role holder is also responsible for managing and minimising risk in the Business.

Key Responsibilities

• Relationship building and management with strategic employers.
• Signing of new MOU’s with strategic partners for Faulu Micro finance bank to offer packaged products to employees.
• Ownership and follow through for resolution of customer issues from partner institutions Spearheading market penetration for retail products.
• Monitoring portfolio at risk for consumer facilities while providing leadership.
• Making schemes proposals for further recommendation to approval by the Head of Credit. 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.
• Carrying out sales presentations, Financial literacy and scheme sales activations.
• Support Head of Business Growth, Branch, Sales consultants & 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.
• Supporting launch of products, sales strategy and campaigns to key segments for profitable and quality business.
• Facilitate effective management and service delivery to all Faulu Micro Finance Bank Scheme/Check-off schemes.
• 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. Drive cross selling and migration by tailoring solutions to deepen client relationships Responsible for identifying and reporting potential and actual Money Laundering Risk, including suspicious transactions in accordance with the laid down AML policies procedures. Manage customer requests and transactions in compliance to Faulu Micro Finance Bank operational guidelines and procedures with zero tolerance to operational risk and frauds.
• Advise the Business on companies and individuals which exhibit high risk policies and practices hence control and manage risk.
• Involvement with Business Units & Credit Teams and employers to reduce Portfolio at Risk for scheme loans, both existing and new.
• Develops, Coaches, motivates and manages the performance of individuals and teams within Consumer Banking and across the department to achieve success in career and business goals.
• Actively provides leadership by contributing to the collective Leadership Agenda and sharing business insights/ feedback to maximize the overall performance and wellbeing of the department.
• Role Models the Brand and Corporate Values of the Bank in the internal and external market environment 

Education, Knowledge and Experience

• Bachelor’s degree in commerce/business related field.
• Have a minimum 6 years’ experience in General banking, and 2 of which should be at management level in an affluent service sector and retail banking.
• Extensive knowledge and understanding of bank Credit risk management policies, procedures and best practices in lending.
• 2 years’ experience in Relationship Management with a proven track record of client acquisition and management
• Excellent understanding of risk, credit policies and procedures is essential.

Key Competencies and Attributes

Interpersonal: 

• Goal focused and able to spot business opportunities.
• Builds networks and maintains strong relationships.
• Able to manage and influence others to achieve results.
• Has passion and drive to achieve results under difficult circumstances
• Pleasant and able to relate well in diverse social set ups and teams.
• Upholds high standard of Professionalism, integrity and respect for others. 

. Management and leadership ability:

• Able to identify, motivate and develop talent within the Bank.
• Capacity to influence decisions at various levels
• Communicates effectively.
• Drives high performance in teams.

Skills

Banking, Business Development, Business Growth, Business Opportunities, Leadership, People Management, Profitability, Relationship Building, Relationship Management, Strategic