Job Purpose:
The Manager – Direct Sales Force is responsible for leading, motivating, and managing a team of direct sales representatives to achieve and exceed sales targets, expand market share, and enhance customer acquisition and retention through effective strategy implementation and operational excellence.
Key Responsibilities:
Sales Strategy & Execution:
- Develop and execute innovative sales strategies and programs to meet the Banks 5-year growth plan,
- focusing on new market penetration and key demographic capture.
- Set sales targets, KPIs, and incentive frameworks for frontline sales teams.
- Drive sales through proactive lead generation, direct customer engagement, and effective product/service presentation
- Monitor competitor activity and market trends to optimize sales approaches.
Team Leadership & Performance Management:
- Lead, mentor, and motivate the direct sales teams to achieve individual and team targets.
- Implement KPI-driven performance management, coaching, and development programs.
- Foster a high-performance, accountable, and customer-focused culture.
- Train and mentor sales representatives, providing on-the-ground support and fostering a highperformance culture.
- Monitor sales metrics, analyze performance data, track KPIs, and report results to senior management.
Revenue & Portfolio Growth:
- Driving growth in retail deposits, loans, MSME lending, and digital banking adoption.
- Monitor sales performance, pipeline health, and conversion rates.
- Collaborate with Marketing, Product, and Digital Banking teams to generate lead and optimize campaigns.
Customer Relationship & Experience:
- Ensure frontline teams provide exceptional customer engagement and service.
- Address escalated client issues and implement resolution strategies.
- Enhance customer acquisition, retention, and cross-selling metrics.
- Build and maintain strong relationships with key clients and partners to ensure customer satisfaction and loyalty
Reporting & Analytics:
- Monitor and report on sales KPIs, revenue growth, and team performance.
- Utilize CRM and analytics tools to track pipeline, client activity, and sales effectiveness.
- Any other official duty that may be allocated from time to time.
Key Performance Indicators (KPIs):
Business Growth & Revenue:
- Achievement of sales targets for deposits, loans, MSME, and digital products.
- Number of new clients acquired through direct sales channels.
- Revenue growth and cross-selling ratios.
Team Performance:
- Achievement of individual and team sales KPIs.
- Employee engagement, retention, and development within the sales team.
- Training completion and adoption of sales best practices.
Customer Experience:
- Customer satisfaction and retention rates for clients acquired via direct sales.
- Resolution of escalated complaints and issues.
Process & Operational Efficiency:
- Sales process adherence and conversion efficiency.
- Effective use of CRM and analytics tools to manage pipelines.
- Ensure all sales activities adhere to company policies, procedures, and industry regulations.
The Person:
The ideal candidate must possess the following:
Qualifications & Experience:
- Education: Bachelor’s degree in Finance, Business Administration, Marketing, or related field. MBA preferred.
- Professional Qualifications: Relevant certifications in sales, marketing, or banking are an advantage.
Experience:
- Minimum 5 years in retail banking, financial services, or direct sales management.
- At least 5 years in a leadership role managing direct sales teams, preferably in banking.
- Proven track record of driving revenue growth, portfolio acquisition, and team performance.
- Experience in digital banking sales or MSME banking is highly desirable.
Technical Competencies:
- Expertise in retail, MSME, and digital banking sales strategies.
- Strong knowledge of direct sales management, distribution channels, and client acquisition.
- Ability to analyze sales data, market trends, and pipeline metrics.
- CRM and sales analytics proficiency.
- Business development, negotiation, and relationship management skills.
Behavioral Competencies:
- Results-driven with a strong target orientation.
- Leadership and team-building capabilities.
- Strategic thinker with excellent problem-solving skills.
- Customer-centric mindset with focus on engagement and retention.
- Adaptable, resilient, and innovative in a fast-paced, high-growth environment.
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Job Purpose:
The Credit Corporate Analyst is responsible for evaluating the creditworthiness of corporate clients by conducting comprehensive financial and risk analyses. This role supports the credit decision-making process by preparing detailed credit proposals, assessing market and industry risks, and ensuring that all credit recommendations align with the bank’s risk appetite and regulatory requirements. The analyst works closely with relationship managers and credit committees to structure sound credit solutions that support business growth while safeguarding the bank’s assets
Key Responsibilities:
- Conduct thorough analysis of financial statements and assessment of corporate credit requests, including new requests, changed requests, refinancing and annual due diligence
- Present analysis, findings, and recommendations to Management Credit Committee, especially findings that involve a borrower’s ability to repay
- Develop and prepare spreadsheets and models to support analysis of new and existing corporate credit applications
- Ensuring Credit Policies, Product Profiles and set timelines are adhered to in analysis and approval of corporate credit facilities.
- Conduct industry/sector studies with a view to updating policies and procedures guiding lending to a specific corporate sector.
- Ensure high audit rating is attained.
- Presentation of board level credit facilities to the Board Credit Committee for approval.
- Custody of the Board Credit Committee minutes and coordination of board recommendations and directives.
- Any other official duty that may be allocated from time to time.
The Person:
- The ideal candidate must possess the following:
Qualifications/Experience:
- Hold a bachelor’s degree in business, Accounts, Finance or related field.
- Professional Credit or Accounting qualifications a plus.
- Have a minimum of five (5) years’ practical experience with proven result-oriented track record in recoveries.
- Experience in banking & legal background a plus
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Job Purpose:
Analysis and approval of credit facilities to mitigate credit risk by ensuring compliance with laid down bank lending policies and procedures
Key Responsibilities:
- Assessing and approving facility applications within discretion limits, ensuring adherence to Policy and making recommendations to higher authority for facilities above personal discretion limit
- Analyse Credit Applications critically and make prompt & correct decisions as per the policies guided by CBK prudential guidelines.
- Ensure compliance with service standards as per SLA terms to support business growth and ensure efficient turnaround time (TAT) on facility approvals and in the event of delays, ensure appropriate escalation.
- Review the performance of the loan book.
- Conduct training for Consumer credit officers
- Providing leadership to Consumer credit staff in Head office
- Ensuring Maintenance of staff facilities in the Flexcube system; and amendments as required [Disbursement, Loan Amounts, Interest Rates, Tenor, and Security].
- Provide advice/coaching/guidance/training on all aspects of credit policy and procedures, as may be required by Credit team, Credit Unit Business teams and Branch Credit teams.
- Participate actively in system improvement/implementation process; giving user requirements and critique the system
- Guide all credit officers and managers on policy matters on day to day works.
- Handle queries relating to system issues [interest rates amendments, loan restructure in system].
- Preparation of facility letters, security/collateral documentation checklists, conditions checklists.
- Document and update procedures for the role on annual basis.
- Ensure full compliance to the bank’s lending policies and procedures and with compliance with the Central Bank’s prudential guidelines.
- Any other official duty that may be allocated from time to time.
The Person:
The ideal candidate must possess the following:
Qualifications/Experience:
- Hold a bachelor’s degree in business, Accounts, Finance or related field.
- Professional Credit or Accounting qualifications a plus.
- Have a minimum of three (3) years’ practical experience with proven result-oriented and a track record in recoveries.
- Experience in banking & legal background a plus
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