Job Vacancies at DIB Bank Kenya Limited (DIBBKE)

Job Purpose

The job holder will develop the sales plans in line with the overall Commercial Business Plans and the business plans of different customers managed by the Commercial Banking segment. Additionally, he/she will ensure that product revenue and profitability targets are achieved / exceeded.

Key Responsibilities

• Ensuring that product revenue and profitability targets are achieved / exceeded by understanding the customer’s business and anticipating the requirements through a consultative selling process.
• Matching the customer’s needs with product capabilities through presentation of tailored demonstrations and proposals.
• Negotiating/renegotiating terms and conditions with customers to maximize revenue and profitability.
• To identify opportunities for cross-selling and referrals to other Banking lines through developing a good understanding of client needs
• Providing structured solutions to meet the specific cash management requirements of our customers and prospects.
• Undertaking a disciplined product-oriented sales management process while monitoring, tracking, and reporting on sales activity on a periodic basis and ensuring action is taken to meet sales targets.
• Assisting product management and development in strategic product rollouts.
• Support customers’ seeds, trends, and product/market intelligence for new product developments/enhancements, strengthening competitive position.
• Facilitate customer service issues and ensure a high level of post sales service is always made available to the clients.
• Any other duties may be assigned by the team leader from time to time.

Job Specification

• Bachelor’s degree in Business Management or related field from a recognized university.
• Minimum of Seven (7) Years Banking experience with at least 3 years in business development for Corporate/commercial segment.
• Excellent financial acumen & analytical thinking skills
• Excellent sales and marketing skills
• Strong interpersonal skills
• In depth knowledge of commercial banking products
• Excellent sales and marketing skills
• Sharia Foundations & principles of Islamic finance will be an added advantage.

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Job Purpose

• To develop and manage the Branch portfolio and to lead the branch effectively in order to ensure the achievement of assigned branch business objectives/targets for deposits, financing assets, cards and product sales targets, profitability objectives, and implementation of superior customer service culture and standards, while adhering to Banks policies and guidelines

Key Responsibilities

• Cascade the sales targets assigned by the Head of Distribution and branches, or in his absence, by CEO/Managing Director to branch staffs.
• Identify and implement action plans and regularly track and review performance to ensure the achievement of the set targets and business growth objectives cascaded down by the Head of Distribution and Branches, or in his absence, by the CEO/Managing Director.
• Meet regularly with the branch customers including important/ high net worth customers in order to assist in the growth of business
• Manage the product portfolio of each line of products and control the cost and profitability of the branch.

Customer Service

• Maintain high levels of customer service in all front office functions such as Cash Management, Remittances, drafts, Account opening/ inquiry & maintenance, sales and after sales by efficiently abiding to the process and by reducing customer waiting time and service time.
• Promote a high level of customer service culture among the branch staff for potential acquisitions.

Service Quality & Business Operations Control

• Attend all audit requirements and strive to have a null /low risk audit rating and ensure that all the branch operations are in accordance with the established Bank’s policies, operating manuals, service quality standards and code of conduct for smooth workflow, high service quality, and low level of operational risk and report any deviation to the management.
• To maintain a low risk level of cash difference by following diligently the process set by maintaining detailed accounting records of daily cash flow as well as regular review of daily MIS reports, checking notes, denominations & security items in order to ensure accurate delivery of cash to customers.
• Monitor continuously customer complaints and mystery shopping results and recommend necessary measures and initiatives to improve the score and to ensure high customer satisfaction.
• To ensure a high level of safety & security measures are in place as well as to maintain a proper communication with the police department whenever it is required.

Internal Process

• To lead any branch projects (Service Quality Programs, Process changes, sales… etc.) and support the launch of new products and services as per the consumer banking business plan.
• To maintain an accurate archives file for all branch transaction records, vouchers, stationary reports..etc.
• Follow up on various cases with all the concerned stakeholders such as customers, internal Bank’s departments to ensure 100% closing mandates.

Training & Development

• Analyze the training and development needs of staff and nominate them for an appropriate training course to close the skill gaps and ensure that all staff are well trained and fully aware of the bank’s products and services, policies and procedures.
• Build and maintain effective communication skills with branch’s staff by conducting regular staff meetings and discussions in order to have a high level of staff engagement and Job satisfaction.
• To ensure proper staff management in terms of annual leave, performance appraisal, two days off as well as to ensure a proper resources allocation in order to meet the branch business requirements.

Job Specification

Education

• Higher Diploma / Bachelor’s degree as a minimum, Master’s degree will be an advantage.

Training / Skills

• General Banking knowledge
• Local and/or international Market knowledge
• Computer skills
• Accountig & Financial capability

Work Experience

• Minimum 4 Years in a similar role
• Experience in a Sharia compliant Bank will be an added advantage

Competencies

• Analytical Thinking
• Coaching and Mentoring
• Communication Skills
• Flexibility
• Leadership
• Liaison Skills
• Planning & Organizing
• Relationship Management
• Bankng Services
• Sharia Foundations & principles olf Islamic finance