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  • Posted: Mar 31, 2017
    Deadline: Not specified
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    Stanbic Bank is a division of Standard Bank, a member of the Standard Bank Group, based in Johannesburg, South Africa. Stanbic Bank was adopted as a trading name in 1992, when the Standard Bank Group, then known as Standard Bank Investment Corporation, acquired the African operations of ANZ Grindlays Bank. The new name was adopted to avoid confusion with the...
    Read more about this company

     

    Team Leader Payments

    Job Purpose

    • Handle Domestic payments, Liabilities while ensuring efficiency in execution as per set standards
    • Manage Workflow within Domestic Payments to meet agreed TAT & SLA
    • To Manage staff and to maintain a high quality in overall performance of Payments while supporting the Domestic Manager & Team Leaders within Payments
    • To ensure stability of processing systems to meet the required workload and schedules and to obtain the optimum utilization of all-available equipment and resources in the provision of centralized processing services.

    Key Responsibilities/Accountabilities

    Duties:

    • Monitors the submission and processing of all Payments processing work from all originating units as per service level agreements.
    • Ensures that a checklist for all jobs to be processed is maintained and query where issues arise
    • Monitoring of daily Payments processing workflow, special instructions and system updates.
    • Deal with 3rd party service providers where system support is required to timeously resolve equipment breakdowns.
    • Maintain a record of all system faults and solutions provided
    • Keep Management informed on issues that may hinder or cause late execution of Clients instructions.
    • Responsible to keep all team members up-to-date on any changes to procedures or schedules or systems and updating and recording any such changes ensure that all problems/ incidents relative to the shift are addressed, resolved and updated timelessly.
    • Supports maintenance of the Bank and Client database in the clearing systems as may be required from time to time
    • Undertakes quarterly appraisal and counsel discussions with Direct Reports.
    • Monitor procedural moves such as start and end of day for the Electronic Payment Systems
    • Monitor and ensure all Incoming transactions are in balance and are applied as required.
    • Ensuring that all the necessary applications are up and running as per milestone targets and within service level agreements.
    • Follows escalation procedures on issues and reporting and be able to explain the situation on Payments processing and processing systems as they arise within Payments processing windows to facilitate on time action
    • Administering direct reports development within the team (hands on training) as well as in carrier enhancement (systems, standards and concept training).
    • Co-ordinate and give necessary hands on training to operators to ensure tasks are carried out in accordance with laid down procedures.
    • Team maintenance and motivation in all aspects of staff with regards to a high standard of development, competence and performance, the supervision of Direct Reports Key
    • Result Areas (KRA’s), quarterly appraisal and counsel discussions with Direct Reports, ensures all Direct Reports have a development plan in place and the relevant training is scheduled for each individual.
    • Formal structuring and co-ordination of leave, overtime and travel claims.
    • Responsible for the implementation and adoption of all Compliance, Anti-Money Laundering and Sanctions related requirements contained in policies, procedures and processes. This includes the consideration and approval of PEP on-boarding and continued business engagement in instances where no adverse information is available.


    Key Performance Measures: -

    • Effective use of systems and processes to generate desired results
    • Effective communication on issues arising in received work
    • 100% reconciliation of items outstanding in the accounts T24 within acceptable reconciliation periods as per procedure
    • Number of improvement initiatives registered and implemented.
    • Effective team training and application of concepts.
    • Team management, motivation and growth
    • Effective expenditure use as per set budgets

    Important relationships
    Internal

    • Maintain a co-operative working relationship with other Team members.
    • Manager Clearing - Feedback/discussions/Information dissemination/instructions
    • Team leader Inwards Processing –Feedback/discussions/Information dissemination
    • Team leader EFTS payments –Feedback/discussions/Information dissemination
    • Team Leader Foreign Exchange payments - Feedback/discussions/Information dissemination
    • Head of Production – discussions, information dissemination, feedback.

    External

    • Heads Service Support, Customer Consultants, - processing issues, feedback.
    • IT Staff System support issues
    • Operations support Manager/ Head of Operations – Operational issues/feedback/instructions.
    • Human resources - Staff issues
    • Good relationships required with related internal units such as PBB, CIB, GIO, Customer Consultants, Customer Care Centre, Validation Teams and other Banks.

    Preferred Qualification and Experience

    • Working knowledge relating to organizational and Electronic Payments process management in a service oriented environment is an added advantage
    • University Graduate. Upper Second Class Hons or equivalent

    Professional Qualifications

    • Banking qualifications an added advantage
    • Basic Accounting

    Knowledge/Technical Skills/Expertise

    • Organization skills and management
    • Banking qualifications
    • Electronic Payments process and Record Management
    • Computer Literate
    • A working knowledge of the Clearing environment and cycle

    IT Skills

    • Good verbal and written communication skills
    • Organizational skills
    • Leadership skills

    go to method of application »

    Assistant Relationship Manager - Commercial Banking

    Job Purpose

    • To support the Relationship Manager with the day to day running and maintenance of a commercial portfolio:
    • By providing a central office-bound contact point for the customer. Responsible for the actual preparation of credit applications and supporting loan documentation - Credit
    • Origination Fulfilment By monitoring all loan facilities in the portfolio (on a joint responsibility basis with Credit Division) on a daily basis against set parameters/ conditions.
    • By adding value to clients through the identification of cross-selling opportunities, Sales fulfilment support.

    Key Responsibilities/Accountabilities

    Customer Service Quality and Efficiency
    Providing a 2nd face office-bound point, for a portfolio of Business relationships/clients. Performing a liaison role between the Customer, and all other internal support divisions of the Bank. Educating clients regarding the parameters and routine procedures governing complex but standard commercial product, solution and service offerings.

    Credit Origination, Credit fulfilment and Portfolio management (Lending Support and Risk Management) Interpreting business and financial information On e.g. consolidated balance sheets, complex financial statements and management accounts with inter-company loans and borrowings and/or off shore holdings etc, to prepare and motivate non-scored credit applications in line with Credit requirements.

    Completes annual credit reviews for the portfolio. Completes all requests of a Credit or Collateral nature on behalf of the client, in consultation with the RM.(Authority or Confirmation Sought) Interacting with clients to obtain and analyse financial material, i.e. Debtors lists, Management accounts, cash flow budgets, in terms of agreed covenants ( Portfolio management).
    Monitoring of daily excesses and authority sought requests to ensure that client facilities are managed within the parameters set by Credit. May exercise discretion (with management approval) regarding account conduct based on a close knowledge and understanding of client activities.

    Management of limits, i.e. ensuring that limits are timeously renewed (Portfolio Management) Accurately and efficiently collating and checking securities documentation and mandates for banking facilities. Control of facility letters.

    Sales (in consultation with the RM)
    Mining i.e. investigating and understanding customer portfolio data to identify opportunities for additional facilities. Explaining, promoting and cross- selling additional value adding solutions to existing customers Identifying sales leads, in consultation with the RM, for Product offerings e.g. Vehicle and Asset Finance; nBOL; Banc assurance / Wealth (where available); Property Finance, Foreign Exchange,etc.

    Compliance with Regulations/Legislation
    Compliance with general banking and credit policies and procedures.

     

    Preferred Qualification and Experience

    • Relevant Degree from recognised University.

    • Ability to understand, interpret and conduct financial statements analysis will be an added advantageAwareness/knowledge of the full range of Banking products and services (including Operational products, Electronic Banking, Treasury, Foreign Trade, Custodial, SIMS etc).

    • Ideally, previous experience as a Business Assistant/ Business Banker to gain exposure to lending principles and customer servicing.
      And/or ideally previous experience in a back- office Account.

    • Support/Customer service support role to understand how to deal with the customer as well as to understand how to process customer queries and requests.
      And/or Previous experience in Credit/Credit Direct/Retail Credit Collections as a Credit Analyst responsible for assessing Credit applications.

    Knowledge/Technical Skills/Expertise

    • Relevant business related tertiary qualification particularly in the Commercial field (Business flavour), e.g. business related degree qualification. Good knowledge of general banking practices, processes and procedures. A thorough knowledge of administration processes and procedures pertaining to Business Banking transactions. Good numerical skills and financial acumen to interpret and evaluate financial statements, balance sheets and ratios and cash flow cycles. A good working knowledge of financial spreadsheet applications (e.g. Excel) to capture and analyse financial data. A thorough knowledge of standardised commercial business banking products and pricing.

    • Good knowledge of Personal Banking product offerings. A basic knowledge/ awareness of foreign exchange options, vehicle and asset finance and electronic banking options for lead generation purposes. A reasonable knowledge of different industry sectors and sector risk profiles/ trends; this includes an understanding of the impact of climactic conditions on the agricultural market (if there are agric clients in the portfolio).

    • A sound knowledge of Credit principles and practices, including an understanding of credit application, securities and balance sheet requirements, as well as a good knowledge of behavioral scoring. Good verbal, written and telephonic communication skills.

    • A good knowledge of the system to capture and access customer account information. A good knowledge of the terms and conditions of multiple legal entities (companies, close corporations, sole proprietorships etc.) and the legislative restrictions & requirements governing these from a financial services perspective. Knowledge of how to use the Group Reference Guide to access/ look up relevant information.

    go to method of application »

    Buyer

    Job Purpose

     

    To Support the Manager Procurement in
    The Delivery of agreed objectives in line with the procurement strategy. Jobholder will also support respective Users Department in projects intended to transform the Banks operations and services as and when required.
    The procurement of all requirements under category and any other business-focused operations. These initiatives are aimed at influencing sustainable and efficient operations in line with business objectives with a focus on procurement, cost management, service delivery, sustainability of supply and entire supply chain management.

     

    Key Responsibilities/Accountabilities

    KEY RESPONSIBILITIES/ACCOUNTABILITIES

    • Support in identifying the category strategy and a rolling programme of areas to be addressed within the procurement category.
    • Execute the buying process within agreed turnaround times
    • Analyse requests for mid and low value purchases. Validate the nature of the purchase request and execute the required buying process based on the defined threshold in the Procurement Policy, Procedure Manual and Process flow (hereafter referred to as PPPs).
    • Search for potential suppliers within the preferred supplier list and identify additional suppliers if not on the supplier list. Obtain approval from the Procurement Manager before placing orders with suppliers.
    • Conduct the Request for Quote (RfQ), Request for Proposal (RFP) processes or as defined and detailed in the PPPs and support responding suppliers with queries surrounding commercial terms.
    • Facilitate the clarification of technical, commercial and any other questions between internal stakeholders and suppliers in a professional manner.
    • Conduct the tender evaluation with the Cross Functional Sourcing Team (CFST) based on the defined evaluation criteria.
    • Execute the commercial and technical negotiation and supplier selection with the assistance of the technical SME. Determine the purchase order terms and conditions within the overall parameters of the bank's procurement practices.
    • Identify savings opportunities through the selection of the best quotes and through supplier negotiation. Assess the pricing of products and services proactively.
    • Formalise the recommendation for review and approval by the business unit is in place for the business to make a decision on approval.
    • Resolve queries, claims and buying issues escalated via the Procurement helpdesk or the business.
    • Escalate and follow up on unresolved queries and issues related to the execution of buying according to the engagement model defined in the PPPs and Africa Regions Procurement Framework guidelines issued.
    • Provide excellent customer service to business units. Educate the business on procurement policy, processes, systems and governance.
    • Maintain relationships with suppliers to enable resolution of issues.

    Update purchase orders related to buying

    • Manage changes to new requisitions or close purchase orders if no longer needed.
    • Analyse procurement requisitions from a validity point of view. Reject requests that are not appropriate.
    • Manage purchase order changes - receive requests from suppliers or internal teams to amend purchase orders, determine the feasibility of the change request and amend purchase orders if properly approved. If no resolution can be achieved, escalate to the Procurement Manager and the purchase order owner in line with standard operating procedures.
    • Follow up on open purchase orders, monitor the acknowledgement or receipt from suppliers and follow up with them to ensure that goods are delivered on time.
    • Investigate exchange rates for cross-border purchases, quote amounts and quotation dates. Ensure that all purchase order elements are valid.

    Support the management of demand for buying

    • Participate in the development of forecasts for buying activities at the required intervals using historical buying information and business needs as input.
    • Review the usage of products and services that are acquired through the buying process to make recommendations to the Procurement manager.
    • Review requests for new products or services to be procured to determine if the specifications are clear enough. Resolve challenges with specifications before embarking on the buying activities.
    • Continuously promote the use of contracted items and preferred suppliers for goods and services by engaging with the business teams requesting the buying and helping them understand the available items.

    Procurement governance

    • Ensure process compliance for buying activities by enforcing the use of purchase orders as opposed to sundry items or one time vendor. The minimum compliance is 80% of buying through purchase orders.
    • Direct the spend for buying activities in line with localization requirements.
    • Maintain records and provide reports to the Procurement Manager on buying activities in line with standard operating procedures and work instructions. These reports include purchase orders processed, goods/services delivered, supplier performance in relation to delivery and quality and consumption analysis for stock or frequently purchased goods.
    • Conduct research on new opportunities to procure goods and services from alternative suppliers or to obtain better value.
    • Ensure adherence to the procurement policies and processes.
    • Identify opportunities to improve the processes, templates and documents used in buying activities and make suggestions to the Procurement Manager

    Compliance and AML

    • Responsible for the implementation and adoption (within Procurement Department) of all Compliance, Anti-Money Laundering and Sanctions related requirements contained in policies, procedures and processes. This includes verification and confirmation of PEP approval as per the on boarding process. This includes monitoring and identifying any material compliance related breaches and escalating them to the Compliance Office.

    Key Dimensions of the Job

    • Support the Procurement Manager with regard to Commercial advice on, and authorization of, contracts, purchase commitments and expenditure made throughout the bank
    • Ensuring Vendors provide KYV documentation during contract initiation process
    • Responsibilities of all the procurement function under Category in line with the GVM&P Procurement Guidelines & Operating Framework
    • Risk management

    JOB CONTEXT

    • Jobholder works to specific professional guidelines, legislation and instructions.
    • This is an autonomous role where detailed day to day work is not checked or subject to detailed scrutiny on a regular basis. Appropriate audit and statutory checks will be made to minimize the bank’s exposure to financial loss.
    • The Jobholder is instrumental in supporting the Procurement Specialist to develop the Bank’s strategic procurement policy.
    • The jobholder is predominantly responsible for the prioritizing of his/her own workload, but does undertake work and or projects as requested by senior management.
    • The procurement category buyer is one of 6 key posts in the banks procurement department and the jobholder will have specific professional knowledge and skills that are unique within the bank’s staff. Therefore, as a service provider, the jobholder will be called upon by many department or establishments within the bank for advice and expertise.

    KEY PERFORMANCE MEASURES
    Category Management – Ensure that all Procurement under category is within the strategic sourcing plans
    Procurement Governance and Assurance – Ensure that all procurement under category complies with the Procurement governance framework and operating model

    Contract Management
    100% contract compliance for all Banks Strategic vendors.
    80% contract compliance for all other vendors
    Periodic Performance Evaluations of vendors
    Stakeholder Management – Maintain relationships with all Key stakeholders

    People – Manage career progression by acquiring relevant training and professional qualifications

    IMOPORTANT RELATIONSHIPS
    It is essential to maintain a close working relationship with the Procurement Manager, Specialist, Business Units, Head of Ops and Suppliers so as to ensure that service/ support and strategic objectives of the bank are consistently met and exceeded.

    Preferred Qualification and Experience

    RECOMMENDED MINIMUM QUALIFICATIONS
    Education Level

    • Degree holder from a recognized University (min – 2nd class upper or equivalent).
    • Diploma - CIPS (Chartered Institute of Procurement and Supply

    Experience

    • 3-4 Years in Procurement Sourcing
    • Procurement practitioner experience would be advantageous, preferably with experience across multiple categories and business areas.

    Knowledge/Technical Skills/Expertise

    Technical Competencies
    Purchasing
    Knowledge and skills related to the acquisition of products and services.
    SEASONED - Applies concepts without requiring supervision, able to provide technical guidance when required

    Deal Negotiation
    The ability to lead and direct the negotiation strategy, select the deal team and drive the negotiation of terms and conditions of purchases the Bank needs to make for goods or services.
    BASIC - Applies elementary concepts to develop activities under supervision

    Procurement Market Research
    The ability to source information about spend categories, supplier capability, price points and other information relevant to buying decisions.
    PROFICIENT - Clear knowledge and application of the concept

    Supplier Relationship Management
    Knowledge and application of tools and methods to monitor the effective delivery of suppliers and to gain maximum value from supplier services.
    BASIC - Applies elementary concepts to develop activities under supervision

    Procurement Process
    Knowledge and application of the SAP vendor management modules and the supporting business processes.
    PROFICIENT - Clear knowledge and application of the concept

    Buying Execution
    The ability to evaluate and process one time buys, emergency buys, low value/low complexity buys and purchasing of new commodities not on the catalogue by using e-RFX tools (electronic requests for proposal, quote, information or tender) and to conduct basic negotiations.
    SEASONED - Applies concepts without requiring supervision, able to provide technical guidance when required

    go to method of application »

    Product Manager, Liabilities and Transactional Products - Business Banking

    Job Purpose

    • To plan, manage, lead and direct the CASA (Current and savings accounts), Call, and Term Deposits (TD) business within the Business Banking Products
    • To help the Business Banking unit to achieve its financial targets agreed in the annual budget and medium term plans
    • Grow the CASA, Call & TD balance sheet
    • Drive efficiencies to better deliver products and services to customers at a profitable cost

    Key Responsibilities/Accountabilities

    • Business Banking overall budgets for liabilities and transactional products
    • Business Banking segment budgets for liabilities and transactional products
    • Accurately forecast and actively monitor business progress and forecasts to grow balance sheet
    • Product performance management (track and analyze performance) on a structured and regular basis and propose remedial action on shortfalls
    • Undertake business growth initiatives
    • Technical Product Management expertise
    • Opportunity identification; Activation, and Conversion to ensure increased uptake of digital and self-service channels and improved and sustainable utilization thereof
    • Identification of new revenue streams and business
    • Conceptualization and development of new products
    • Development and implementation of product strategies
    • Product processes enhancement/re-engineering
    • Assist with the conceptualization and management of campaigns.
    • Effective product pricing
    • Development of appropriate sales/service support tools
    • Actively support the relationship management teams in Business Banking to scale up on the acquisition and onboarding of digital and self-service channel customers onto their portfolios
    • Ongoing product management and maintenance
    • Continuous monitoring and understanding of the operating and competitive environment and ongoing trends
    • Collaborations with external partners and vendors in value adding initiatives that will drive Business Banking agenda of sustainably being Transaction and liability- led
    • Deep understanding of the product continuum across segments – entry products, core products, secondary/cross sell products and product migrations
    • Responsible for increasing product knowledge amongst Business Banking staff, which includes training solutions, sales tools, etc.
    • Ensure up-to-date competitor and market data on respective product lines are maintained and appropriate recommendations are done to keep CSB ahead of the competition
    • Participation in projects and any other duties as agreed with management
    • Responsible for the implementation and adoption (within Branch, Department or Section) of all Compliance, Anti-Money Laundering and Sanctions related requirements contained in policies, procedures and processes. This includes the consideration and approval of PEP on-boarding and continued business engagement in instances where no adverse information is available.

    Other:-

    • Data mining existing customer database to better understand customer profiles and behavior to profitably exploit opportunities
    • Review customer surveys and take note of customer feedback/complaints received through the various disparate channels to inform tactical and portfolio actions that can be taken to remedy shortcomings, where any – with a view of proactive engagement that seeks to improve Business Banking’s net promoter score (NPS)
    • Aid the Business segment heads in Business Banking : Head of Commercial Banking ; Head of SME Banking ; Head of IDG ; and Head of Agriculture segment with portfolio and optimization initiatives that will enable them to meet their Balance sheet and income statement budgets profitably and sustainably while scaling their respective transactional and liability business(-es)
    • Suitably identify the key lines of cost and income, and the levers to control cost and income with respect to liabilities and transactional products. Ensure that pricing decisions, product feature changes and new product development that have financial implications or process changes that have operational implications follow the correct governance process

    Preferred Qualification and Experience

    Experience:

    • Demonstrable Product Development; Product Management or Business Development experience in the development of Banking Products, Financial services products,
    • Investment products, Insurance products, Transaction products, or Money transfer related products
    • Demonstrable experience in Business Development and implementation
    • Individual(s) must be able to show their participation in Business Planning and also been involved in process improvement initiatives around Financial services
    • Individual(s) must be able to show-case Business Revenue generation initiatives that they have been involved in, or successfully executed
    • Product design, marketing and development
    • Operations
    • Sales / Relationship management

    RECOMMENDED MINIMUM QUALIFICATIONS
    Education Level

    • University Graduate with at least 2 years managerial experience in Business/Commercial/Consumer financial services Preferably a post graduate degree and/or Professional Qualifications

    Desired:

    • Minimum of at least two years’ experience in a management position within the financial services, telecommunications, or FMCG industry preferably in a role that interfaces with/or is actively involved in Products Development/ Management; Strategy ; Business Planning and Analysis or Business facing projects centered around commercializing
    • Products, Opportunities and initiatives – which experience , can be utilized in a way that will add value and help Business Banking to increase the level of its transact ability with customers, optimize collections in a speedy, efficient and affordable manner, leading to sustained growth of Business Banking’s Balance sheet and income statement and as a result help Personal and Business Banking (PBB) unit be able to attain its strategic and overall objectives

    Knowledge/Technical Skills/Expertise

    • Well developed strategic perspective and forward planning ability
    • Proven track record in business goal management
    • Strong analytical, problem- solving, decision-making, financial management and budget planning skills
    • Project management skills
    • Computer literate (MS Office Suite including MS- Excel)
    • Interpersonal and stakeholder management competencies

    go to method of application »

    Product Manager, Lending- Business Banking

    Job Purpose

    • To help the Business Banking unit to achieve its financial targets agreed in the annual budget and medium term plans
    • Grow the asset balance sheet.
    • Drive efficiencies to better deliver products and services to customers at a profitable cost

    Key Responsibilities/Accountabilities

    • Business Banking overall budgets for lending products
    • Business Banking segment budgets for lending products
    • Accurately forecast and actively monitor business progress and forecasts to grow balance sheet
    • Product performance management (track and analyze performance) on a structured and regular basis and propose remedial action on shortfalls
    • Undertake business growth initiatives
    • Technical Product Management expertise
    • Identification of new revenue streams and business
    • Conceptualization and development of new products
    • Development and implementation of product strategies
    • Product processes enhancement/re-engineering
    • Assist with the conceptualization and management of campaigns.
    • Effective product pricing
    • Development of appropriate sales/service support tools
    • Actively support the relationship management teams in Business Banking to scale up on the acquisition and onboarding of digital and self-service channel customers onto their portfolios
    • Ongoing product management and maintenance
    • Continuous monitoring and understanding of the operating and competitive environment and ongoing trends
    • Collaborations with external partners and vendors in value adding initiatives that will drive Business Banking agenda.
    • Deep understanding of the product continuum across segments – entry products, core products, secondary/cross sell products and product migrations
    • Responsible for increasing product knowledge amongst Business Banking staff, which includes training solutions, sales tools, etc.
    • Ensure up-to-date competitor and market data on respective product lines are maintained and appropriate recommendations are done to keep CSB ahead of the competition
    • Participation in projects and any other duties as agreed with management
    • Responsible for the implementation and adoption (within Branch, Department or Section) of all Compliance, Anti-Money Laundering and Sanctions related requirements contained in policies, procedures and processes. This includes the consideration and approval of PEP on-boarding and continued business engagement in instances where no adverse information is available.

    Other:-

    Data mining existing customer database to better understand customer profiles and behavior to profitably exploit opportunities
    Review customer surveys and take note of customer feedback/complaints received through the various disparate channels to inform tactical and portfolio actions that can be taken to remedy shortcomings, where any – with a view of proactive engagement that seeks to improve Business Banking’s net promoter score (NPS)
    Aid the Business segment heads in Business Banking : Head of Commercial Banking ; Head of SME Banking ; Head of IDG ; and Head of Agriculture segment with portfolio and optimization initiatives that will enable them to meet their Balance sheet and income statement budgets profitably and sustainably while scaling their respective lending business(-es)
    Suitably identify the key lines of cost and income, and the levers to control cost and income with respect to lending products. Ensure that pricing decisions, product feature changes and new product development that have financial implications or process changes that have operational implications follow the correct governance process

    Preferred Qualification and Experience

    RECOMMENDED MINIMUM QUALIFICATIONS

    Education Level

    • University Graduate with at least 2 years managerial experience in Business/Commercial/Consumer financial services Preferably a post graduate degree and/or Professional Qualifications

    Experience:

    • Demonstrable Product Development; Product Management or Business Development experience in the development of Banking Products, Financial services products,
    • Investment products, Insurance products, Transaction products, or Money transfer related products
    • Demonstrable experience in Business Development and implementation
    • Individual(s) must be able to show their participation in Business Planning and also been involved in process improvement initiatives around Financial services
    • Individual(s) must be able to show-case Business Revenue generation initiatives that they have been involved in, or successfully executed
    • Product design, marketing and development
    • Operations
    • Sales / Relationship management

    Desired:

    • Minimum of at least two years’ experience in a management position within the financial services, telecommunications, or FMCG industry preferably in a role that interfaces with/or is actively involved in Products Development/ Management; Strategy ; Business Planning and Analysis or Business facing projects centered around commercializing
    • Products, Opportunities and initiatives – which experience , can be utilized in a way that will add value and help Business Banking to increase the level of its transact ability with customers, optimize collections in a speedy, efficient and affordable manner, leading to sustained growth of Business Banking’s Balance sheet and income statement and as a result help Personal and Business Banking (PBB) unit be able to attain its strategic and overall objectives

    Knowledge/Technical Skills/Expertise

    • Well developed strategic perspective and forward planning ability
    • Proven track record in business goal management
    • Strong analytical, problem- solving, decision-making, financial management and budget planning skills
    • Project management skills
    • Computer literate (MS Office Suite including MS- Excel)
    • Interpersonal and stakeholder management competencies

    go to method of application »

    Home Loans Consultant

    Job Purpose

    • Establish , maintain and leverage estate agent and developers for end user finance
    • Ensure acquisition of new home loan customers.
    • Provide primary point of contact to customers by identifying their finance needs and fulfilling on them.

    Key Responsibilities/Accountabilities

    • Develop business opportunities by following up/pursuing leads.
    • Conduct daily / weekly / monthly calling programs within the estate agent and developer arenas and focusing on high potential value prospects.
    • Identify and follow up on new customers to increase mortgage market share.
    • Market and provide information on the full range of Affinity market/upper salaried products to customers to optimize cross-sell.
    • Follow up on sales to ensure that customer requirements have been met.
    • Clearly understand sales targets set for self and unit.
    • Pro-actively work with all bank departments to drive mortgage sales
    • Actively participate in all group scheme bank days to acquire business.
    • Pro-active involvement in sales activations, open days and expo’s.
    • Ensure Zero rework’s on all home loan applications in order to improve on TAT
    • Leverage on Mortgage customers in order to cross sell other bank products.

    • Sales, cross-selling and targets met.
    • Risk control, compliance, safe custody and physical security procedures in place and adhered to with regard to all Customer documents & Instruments
    • Applications sent to Credit meet all the requirements and are sufficiently followed up to reduce TAT for the customer.
    • Customer query/complaint trends identified and root causes resolved at source.
    • Satisfied and well-informed customers as measured by Customer Satisfaction Survey ratings.

    Preferred Qualification and Experience

    • Degree from recognised University.

    • Previous experience in sales and marketing especially mortgages and or property sales

    Knowledge/Technical Skills/Expertise

    • Computer literacy and knowledge of personal computers and software packages such as MS Word, MS Excel, MS PowerPoint, MS Access. Working knowledge of SAP, Model Bank /T-24.
    • Knowledge of and exposure to Personal and Business Banking network.
    • Knowledge and exposure of the Kenyan property market and relevant laws
    • Knowledge and exposure of Mortgage lending process
    • Basic understanding of banking financials
    • Sales and marketing experience in mortgages or property sales is a bonus
    • Thorough knowledge and understanding of local target market profiles.
    • Thorough knowledge of the retail products and services
    • Knowledge of risk management and credit principles, including an understanding of the terms and conditions of sanction.
    • Comprehensive knowledge of bank's laid-down policies and procedures relating to all areas under control.
    • General knowledge and understanding of financial statements, including application of policies and principles for evaluation and management of the risk associated with lending

    Method of Application

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