Career Opportunities at SMEP Microfinance Bank

BRANCH MANAGER: – BM/ 09/26

Reporting to the Relationship Manager – Business Development (Zonal Leader) the Job holder will be responsible for steering the Branch into high level of performance through proper people management strategies, high business generation, people management and championing a customer-centric culture at the Branch.

Key Duties & Responsibilities

• Take the leadership role at the Branch and mentor the Branch staff towards the achievement of the Banks’ Mission, Vision and the Banks’ Strategic Objectives.
• Ensure achievement of set targets in Customer Service, Customer Retention, Deposits growth, growth in quality Loan Portfolio.
• Develop and maintain critical relationships at the Branch to enhance business Development
• Enhance relationships with SME’s, High Net worth Individuals, Churches and Institutions to grow business.
• Maintain a balanced portfolio on Church, SME, and Retail and Corporate deposits.
• Implement strategies on penetration of business segments, markets and sectors.
• Ensure growth of non-funded income business including transactional, alternate and direct banking business.
• Responsible for supervision of SMEP activities in the Branch to ensure that they are carried out in accordance with the laid down procedures and policies
• Ensure staff productivity is maintained through support, mentorship, and TAT and customer service.
• Ensure compliance with both internal and external regulatory requirements.
• Working closely with risk and compliance units to ensure effective controls to mitigate against business risks associated with Business.
• Promote high ethical and integrity standards, and establish a culture within the bank that establishes and demonstrates to all personnel the importance of controls

Key Qualities, Competencies& Experiences

• Must be a practicing Christian who lives and upholds Christian values, with a passion to serve
• Minimum of 5 years’ experience in Banking Micro Finance, 2 of which must have been in a supervisory or managerial position in a Microfinance or Commercial Bank.
• Good people Management skills and proven ability to achieve results through others
• Have excellent negotiation, sales and marketing skills
• Strong customer service skills
• Excellent report writing and presentation skills.
• Self-driven, results-oriented individual with a positive outlook
• Must have a clear focus on high portfolio quality and business profit
• Able to get on with others and be a team-player with excellent interpersonal skills

Qualifications

• A Bachelor’s degree in any Business-related field
• Professional qualifications in Credit Management (CCP) and/or Diploma in Banking will be an added advantage
• Adept in ICT, and working knowledge of T24 will be an added advantage

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RELATIONSHIP MANAGER – BANCASSURANCE (PRINCIPAL OFFICER) - BUS/09/26

The Relationship Manager – Bancassurance will be responsible for growing the Bancassurance Business line in the Bank and managing the Business Relationships in these product lines to achieve business, revenue and profit targets. The job holder will report to the Chief Executive Officer and responsible for Board reporting on the Bancassurance Unit.

Duties And Responsibilities

• The Principal Officer of the Bank
• Responsible for growing and managing, the Bancassurance business operations andstrategy on the distribution of all insurance products across all Bank Channels, to achieve business, revenue and profit targets.
• Provides leadership in the Bancassurance arm of the Bank and responsible for building the staff capacity and knowledge on Bancassurance products & services.
• Accountable for revenue generation targets through new business acquisition and retentions strategies to ensure growth of the Bancassurance portfolio
• Accountable for portfolio management by maintaining acceptable Portfolio at Risk(PAR) rating.
• Active management of Relationships with all Bank partners to ensure smooth running of the distribution channels in delivering targets.
• Carry out research, monitor and provide relevant information on the market and competitors activities to the management to inform decision making.
• Ensure compliance with the regulatory framework, including Banking and Insurance prudential guidelines and regulations.
• Ensure Operations and claims oversight to ensure provision of high-quality service and operational efficiency in the Bancassurance Unit.

Qualifications

• An undergraduate degree in Insurance, Accounting, Commerce, Marketing, Banking,
• Actuarial Science or other business-related field, from a recognized university
• Must have a Diploma in insurance or a Certificate of Proficiency (COP) in Insurance or equivalent professional qualifications.
• Knowledge of lending approaches Portfolio management, Financial Accounting as well as general knowledge of Banking.
• Must be adept in ICT skills; knowledge of T24 Banking system will be an added advantage

Key Qualities & Competencies

• Must be a practicing Christian who lives and upholds Christian values, with a passion to serve
• At least six (6) years’ experience in Bancassurance, in a regulated financial institution; two (2) of which must have been in a Supervisory role.
• Proven sales track record within Banking, MFBs, Insurance and related industries will be an added advantage.
• Strong and proven leadership and people management skills
• Good business acumen
• Superior analytical and report writing skills
• Excellent Communication and Administration skills
• Self-driven, results-oriented with a positive outlook
• A strategic thinker, Able to get on with others, a team-player with excellent interpersonal & relationship building and management skills