Vacancies at HF Group

Principle Accountabilities

• Selling Tills, Accounts, CTO, loans and deposits mobilization.
• Sales planning and tracking of daily sales activity and reporting to the Team Leader Payments.
• Mapping and scoping the business opportunity within the catchments area and its environs and liaising with the Sales Team Leader for sales activations.
• Making presentations to prospects i.e. individuals, schemes, business owners.
• Customer interviews and interactions both at the Branch and at their place of work/Business to understand their needs and offer the right products.

Key Competencies and Skills

General Competencies

• Computer literacy – MS Office Suite
• Excellent communication skills both oral and written
• A confident person who is self-driven with strong interpersonal and negotiation skills.
• A person of integrity and with good negotiation skills.
• Ability to be an agent of change and Innovation with a strong desire to excel.
• Ability to deliver set business targets and services with minimum supervision.
• Flexible and willing to travel on short notice.
• Age: 20 years – 30 years.

Technical Competencies

• Strong communication & presentation skills.
• Strong co-ordination skills.
• Analytical Skills.
• Interpersonal skills.
• Negotiation and Selling Skills.
• Leadership and management skills is an added advantage.

Minimum Qualifications, Knowledge and Experience

Academic

• A Degree in a business-related field from a recognized institution.

Experience

• Minimum one-year sales experience with relevant experience in Customer Service and relationship management.

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Principle Accountabilities

Financial

• Maximize net interest income from the portfolio.
• Manage and grow the non-funded income line and minimize revenue leakage from lending solutions.
• Digitize processes to minimize costs

Strategic Product Planning and Management

• Work with stakeholders to align with business goals, and create profitability metrics for products.
• Lead the transition to digital lending product delivery.
• Monitor market trends and conduct competitive analysis to drive innovation in the online customer journey.
• Provide ongoing support and training to bank staff on new systems and products.
• Manage relationships with third-party partners and oversee service-level agreements.
• Develop and implement the strategy for Digital Lending Products in partnership with key stakeholders.
• Support the implementation of credit card solution
• Drive digital lending uptake.

Internal business processes 

• Conduct quarterly Branch and channel visits to ensure “best practice” is consistently delivered.
• Develop clear product guides for lending products to ease communication and management of products.
• Control and periodically check operational risks and workflow
• Develop robust customer-centric processes that improve the turnaround time of service delivery
• Drive the system towards service quality standards in an efficient operation where risks are well controlled.
• Ensure compliance with internal/external regulatory policies, procedures, and guidelines.

Customer Acquisition

• Establish feedback systems for lending products.
• Provide feedback on asset product sourcing.
• Support RM teams' sales efforts.
• Review and manage customer portfolio for growth.
• Develop bank growth strategies.
• Coordinate marketing and distribution strategies for lending products.

Key Competencies and Skills

Technical Competencies

• Problem analysis and solving
• Organizational and planning skills
• Judgment and decision-making skills
• Attention to detail
• Negotiating skills
• Creativity
• Writing skills

Behavioural Competencies

• Communication skills
• Goal driven and results oriented
• Customer orientation
• Presentation skills
• Interpersonal skills
• Proactive initiator

Minimum Qualifications, Knowledge and Experience

Education

•  Bachelor’s Degree

Professional:

• Training in various Banking operations
• Training in Various product development and management
• Training in credit risk policies and processes

Desired work experience:

• 3 years of experience with at least 2 years’ in product development in a financial service environment.
• Metrics-driven: Strong analytical and synthesis skills, including the ability to absorb and process large amounts of data into actionable information.
• Knowledge of marketing principles and practices.
• Knowledge of business and management principles and practices.
• Project management skills.
• Proficient in relevant software applications.

go to method of application »

Principle Accountabilities

Financial

• Manage and grow the non-funded income line and minimize revenue leakage from lending solutions.
• Digitize processes to minimize costs  
• Maximize net interest income from the portfolio.

Strategic Product Planning and Management

Product Development & Management:

• Develop and manage a suite of liability products, ensuring they meet the needs of the bank’s target customer segments.
• Conduct regular market research to identify emerging trends, customer preferences, and competitor offerings to inform product enhancements and new product development.
• Work closely with other departments (e.g., marketing, operations, compliance) to design and implement new products, ensuring timely rollouts.
• Monitor product performance, track KPIs, and recommend product adjustments to optimize revenue, customer acquisition, and retention.

Product Strategy & Planning:

• Develop short- and long-term strategies for bank liability products, aligned with the bank’s business goals.
• Conduct financial analysis and forecasting to assess the impact of existing and new products on the bank’s profitability.
• Work with senior leadership to define product pricing strategies, fee structures, and promotional campaigns.

Customer Experience & Relationship Management:

• Collaborate with customer service teams to ensure that customers have a positive experience with the bank’s liability products.
• Handle escalated customer queries related to liability products, ensuring high customer satisfaction levels.
• Analyze customer feedback and industry trends to continually improve the design and features of liability products.

Internal business processes

• Conduct quarterly Branch and channel visits to ensure “best practice” is consistently delivered.
• Develop robust customer-centric processes that improve the turnaround time of service delivery
• Drive the system towards service quality standards in an efficient operation where risks are well controlled.
• Ensure that all liability products comply with relevant banking regulations and laws.
• Stay up to date with regulatory changes and incorporate necessary adjustments to product offerings.
• Work closely with risk and compliance teams to identify and mitigate risks associated with liability products

Customer Acquisition

• Collaborate with the sales and branch network teams to promote liability products and provide training on product features, benefits, and processes.
• Monitor the success of sales campaigns and initiatives for liability products, providing feedback and adjusting strategies as necessary.
• Help identify cross-selling and upselling opportunities to increase customer engagement and product adoption.
• Establish feedback Deposit products.
• Review and manage customer portfolio for growth

Key Competencies and Skills

Technical Competencies

• Problem analysis and solving
• Organizational and planning skills
• Judgment and decision-making skills
• Attention to detail
• Negotiating skills
• Creativity
• Writing skills

Behavioural Competencies

• Communication skills
• Goal-driven and results-oriented
• Customer orientation
• Presentation skills
• Interpersonal skills
• Proactive initiator

Minimum Qualifications, Knowledge and Experience

Academic:

• Bachelor’s Degree

Professional:

• Training in various Banking operations
• Training in Various product development and management

Desired work experience:

• 3 years of experience with at least 2 years’ in product development in a financial service environment.
• Metrics-driven: Strong analytical and synthesis skills, including the ability to absorb and process large amounts of data into actionable information.
• Knowledge of marketing principles and practices
• Knowledge of business and management principles and practices
• Project management skills
• Proficient in relevant software applications