Senior Relationship Manager Micro Banking at Family Bank Ltd

Key Responsibilities:

• Ensures that all new businesses are in line with AML/KYC and CTF laws and regulations and customer information is regularly updated.
• Ensure compliance with the Data Protection laws, policies and procedures of the Bank.
• Develop and lead the implementation of the micro Banking Segment strategy in line with the overall Retail Banking Strategy; to ensure achievement of profitability targets through revenue maximization and prudent cost management.
• Drive sustainable growth and acquisition of new customers for the Micro Banking through the creation, development and maintenance of high quality advisory relationships.
• To drive customer-led propositions for the Micro Banking Segment by developing a pipeline of value adding customer solutions to include customer experience, products, and service offers.
• Manage an effective Micro Banking customer’s loyalty program for networking and deepening of Micro Banking market penetration through the Mobile lending strategy.
• Ensure strong cross- selling of existing and new products to existing and new clients; and in this process, maintain effective liaison with all relevant business units in the Bank.
• Facilitate training programs to enhance product knowledge to the Retail Banking teams, branch staff and sales teams on Micro Banking Products.
• Maintains a detailed and current understanding of the industry; (Micro Banking, current market structures; regulatory requirements and issues) to ensure that that opportunities are realized and the risks mitigated.
• Ensure timely submission of quality credit proposals in conformity with the Credit Policy guidelines and requirements whilst maintaining the quality of the Micro Banking portfolio within the stipulated Non-Performing Loans (NPL) and Portfolio at Risk (PAR) parameters.
• Lead, motivate, and continuously develop a credible high performing Micro Banking team.
• Review reports to ensure no loss arises from operational lapses and ensure compliance with operations risk requirements.
• Submit Excess Applications where applicable and ensue NFI is collected as required.
• Manage check referral process to ensure timely feedback.
• Ensure house-keeping activities are undertaken without failure to guarantee a clean book
• Support business operations to ensure audit operations return a minimum of “satisfactory” rating.
• Manage customer queries, complaints and other correspondence in a timely manner and within set standards for customer satisfaction.
• Be conversant with policies and procedures pertaining to all bank products and services and be able to adapt to change in these as well as technological changes, and customer sophistication.
• Acquisition and managing of Micro Banking customer relationships through pro-active and consultative approach and detailed understanding of existing customers’ businesses to enhance liabilities and revenues
• Achieve budgeted growth in Micro Banking within agreed and approved business risk parameters.
• Deepen and secure existing and new business relationships through the analysis of needs and provision of products and services.
• Conduct customer meetings that have defined call objectives, desired outcomes and a well-constructed plan.
• Monitor existing portfolio performance to ensure PAR is within the acceptable bank’s standards.
• Ensure adherence of all bank’s prescribed processes, standard operating procedures and central bank requirements.
• Role Models the Brand and Corporate Values of the Bank in the internal and external market environment
• Creating meaningful partnerships and knowledge/resource sharing, creating a supportive team environment to deliver results and bring out the best in team members.
• Any other official duties that may be assigned to you from time to time by Management.

Key Competencies and Attributes

• Proven experience in team management, supervision or leadership within a customer facing environment, including performance management & people development.
• Goal focused and able to spot business opportunities.
• Builds networks and maintains strong relationships.
• 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
• Drives high performance in teams.
• Ability to develop productive working relationships and achieve results with deadlines.

Qualifications:

• Bachelor’s degree in Commerce/Business related field.
• Master’s Degree or Professional qualification in Banking or related field is a plus.
• Comprehensive understanding of the Micro Banking market, external environment, and sector.
• Strong presentation skill set
• Good analytical skills
• Highly effective communication and collaboration skills
• High level of cooperation with others and is responsive to the bank’s and team’s needs.
• Have a minimum of 5 years working in the Banking Industry; 2 of which must be in a management position.