Job Vacancies at Caritas MFB

The Direct Sales Representatives will be responsible for ensuring quality service tocustomers, effective utilization of marketing tools and ensuring sales targets are achieved. Meet with clients in person to drive sales.

• Pitch and explain the types of financial services we provide to potential clients.
• Educate clients and answer questions about products.
• Advice clients to ensure that they buy products that best suit them.
• Guide clients through the buying process.
• Assist in selling various Caritas Microfinance Bank products and ensuring optimal level of customer services through various sales calls on telephone.
• Administer and ensure compliance with all sale objectives.
• Manage selling various products in a professional manner.
• Monitor all customer queries and ensure a timely response to all issues.
• Coordinate with customers and provide various company plans and services and detail quote for all required information.
• Maintain knowledge on all competitor products and services and analyze all advantages and disadvantages for various products.
• Ensure optimal utilization of all sales tools and resources.
• Documents and maintain all records of sales activities and provide updates as per requirement.
• Research on new market opportunities and techniques.
• To perform any other duty as assigned in line with the organization goals and objective

Minimum Qualifications and Experience

• Degree in any field from a recognized Institution
• A previous experience in a financial institution will be an added advantage.
• Possess Good customer care skills.
• Computer literacy
• Have a Proven track record of success in sales-related fields.
• Strong communication skills.
• Have a confident and resilient personality

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The Job holder is primarily responsible for the growth of the Bancassurance Business in allocated branches by bringing in new business and sustaining existing business in line with Bancassurance growth strategy

Key Responsibilities

• Sales and support of insurance at the branch level which entails cross-selling insurance products, consumer awareness/ customers’ sensitization initiatives, processing insurance transactions within defined terms and conditions, supporting clients with claims advise and documentation.
• Provide Competitive Quotations: Deliver accurate and competitive quotationspromptly at the branch and prospective clients for all product lines.
• Conduct Product Training: Conduct continuous bancassurance product training to branch and prospective clients.
• Ensure business high retention rates through active monitoring and support renewal engagements on a timely basis particularly for high ticket clients.
• Ensure clients whose claims are being processed are kept abreast of the progress of their claims.
• Develop good working relationships with various branch departments, working closely Relationship officers & Credit analysts to generate insurance business and leads through their customers.
• Ensure customer inquiries are resolved promptly as per laid down policies and procedures.

QUALIFICATION AND EXPERIENCE REQUIREMENTS

• A degree in a Business-related field from a recognized university.
• COP or any other professional qualification in Insurance
• Good planning and organization skills with the ability to deliver effectively under strict deadlines.
• Excellent communication, presentation, and customer service skills.
• Good knowledge of general insurance products and working knowledge of life insurance.
• A creative, proactive, passionate, and innovative individual with a passion for excellent results.
• At least 2 year experience in selling Bancassurance or Insurance related products.

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JOB PURPOSE

• Responsible for administration across the full employee life cycle including support with the recruitment process, manage and maintain employee data and general correspondence.

KEY RESPONSIBILITIES

• Serve as the employees’ first point of contact for advice, guidance on HR related matters, and respond to employee queries and requests
• Assist in compliance to Legal/Statutory and HR policies and guidelines within agreed standards and legislation
• Carry out HR transactional processes and procedures in recruitment, employee orientation and induction, payroll administration, leave administration, and employee relations to ensure efficiency and effectiveness
• Post all the job advert on relevant platforms, download all Cvs and provide the first long list of applicants to the manager.
• To ensure a smooth process of induction through preparation of induction file, filling all necessary bio-data documents, staff sitting space, equipment and all other tools are ready.
• To ensure that all staff have been registered on the biometric system & HRMS.
• Track confirmations and contract renewal and share with HR Business Partner
• Ensure up to date and accurate HR related data in all staff files
• Administration of staff benefits including medical scheme and pension through reviewing invoices.
• Coordinate staff training logistics, motivation and welfare activities
• To perform any other duty as assigned in line with the organization goals and objective.

QUALIFICATION AND EXPERIENCE REQUIREMENTS

• A bachelor’s degree in human resource management or a degree from any other recognized institution
• Higher Diploma in Human Resources Management
• Possess a high degree of emotional intelligence and interpersonal skills
• Be adept at problem solving, including being able to identify issues and resolve programs in a timely manner.
• A person of high level of confidentiality and integrity
• People management Skills
• Attention to details
• Conscious of data accuracy and completeness

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JOB PURPOSE

• The purpose of the role is to grow the consumer loan and liability book through retail customers, corporate schemes/partners, Government institutions, Developers, and other relevant partnerships.

KEY RESPONSIBILITIES

• Drive sales budgets/targets through the branch sales team to ensure they are achieved.
• Establish and maintain a strong customer focus approach both with internal and external customers.
• Facilitate and develop sound relationships with the Employers, Government institutions, Insurance companies and other strategic partners.
• Enter key partnerships with key stakeholders in the consumer lending segment.
• Ensure participation in relevant forums with key partners/customers
• Facilitate and develop sound relationships with the internal channels such as
• Branch network, Marketing units and other Head Office departments.
• Proactively engage customers to establish service levels and initiate constant improvement.
• Provide regular and honest feedback to agents and clients.
• Ensure that sub-ordinates maintain a good rapport with all customers in a professional manner.
• Keep customers constantly informed on the progress of their applications and drive this culture throughout the team
• Adherence to the consumer lending product profile, Credit Policies, Legislation (KYC) & (AML).
• Identify and address any fraud related activities and ensure risk exposure is minimized.
• Conduct a needs analysis to identify customer needs effectively when opening new accounts or giving product advice.
• Complete disclosure to the customers in terms of accreditation, repayments, service fees, and commissions.
• Research into industries in which existing and potential clients operate, to identify and understand the contextual threats to those clients. 
• Maintain a high quality-lending book, through prudent and effective management thereof.
• Proactively assess the review process of existing facilities, ensure a consistent thorough and timely evaluation of all existing facilities.
• Ensure that allocated work is processed within the set TAT, therefore meeting monthly targets.
• Provide weekly/monthly management information reports to all relevant stakeholders.
• To perform any other duty as assigned in line with the Organizational goals and objectives.

QUALIFICATION AND EXPERIENCE REQUIREMENTS

• Holder of bachelor’s degree in a business-related field.
• Thorough knowledge of MSME banking products and policies.
• Minimum 3 years’ working experience in the same position
• AKIB banking certificates will be an added advantage
• 3 years’ experience in banking, 2 of which should be in Business development (Personal Banking/Consumer lending) and customer relationship management.
• Knowledge of lending products and prudential guidelines.
• Ability to lead teams and deliver business results.
• Must be self-driven; possess excellent administrative, communication and interpersonal skills, strong organization, and negotiation skills