• Team Leader Sales - Personal & Business Banking at Standard Bank Group

  • Posted on: 13 September, 2017 Deadline: Not Specified
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  • We are a leading integrated financial services group on the African continent with a heritage of over 154 years. We have an on-the-ground presence in 20 countries in sub-Saharan Africa, fit-for-purpose representation outside Africa and a strategic partnership with ICBC. This unique footprint supports our strategy to connect African markets to each other and to pools of capital globally.

    Team Leader Sales - Personal & Business Banking

     

    Job Purpose

    Leads and supervises a team of sales consultants with the objective of growing business by providing a readily available, service-focused, knowledgeable and experienced point of contact for new and existing personal market opportunity through the Work Place Banking.

    Manage the day-to-day running of the Sales team with a view to provide effective customer service, timely processing of account opening and loans applications, maximising sales opportunities, and ensuring compliance with laid-down procedures to maintain optimal service standards and control risks.

    Ensure customers banking needs are identified and fulfilled efficiently and cost-effectively while managing the risks associated with new accounts.

    Maintain a high level of integrity and ethical standards.

    Key Responsibilities/Accountabilities

    People management

    • Monitor and manage the performance of sales consultants
    • Develop staff through ongoing coaching, mentoring and booking staff on formal training in line with individual development plans
    • Build and maintain a strong sales team
    • Motivate team and drive team to be annotative in sales
    • Set and monitor team goals and standards

    Sales

    • Achieve sales targets by appropriate allocation of budgets to sales consultants and proper tracking of performance
    • Optimise performance through daily monitoring, resources management and implementation of corrective action where necessary
    • Keep abreast of all product changes and enhancements that could impact the sales process and ensure team members are well briefed

    Credit

    • Ensure that all the required steps are taken and controls implemented when acquiring accounts to minimize the risks associated with new business.
    • Ensure credit policies are enforced and adhered to at all levels
    • Ensure quality control measures are in place to ensure the application and supporting documentation is of the highest quality
    • Obtain all the required information and documents for opening of loan accounts or granting of facilities
    • Good general knowledge of payment systems, client profiles (Bureau information such as CRB etc)
    • Be able to identify and assist with the development of control mechanisms for fraudulent documentation and fraudulent behavior/ activities
    • Understand the basic principles of profit/loss, supply/demand, risk, sustainability and compliance
    • Resolve account/credit-related customer complaints referred to by subordinates to the satisfaction of both the customer and the bank

    Customer service

    • Identify customer needs effectively and open new accounts accordingly.
    • Ensure that customers are assisted efficiently within the time frames laid down for particular transaction types.
    • Ensure that queries and problems are resolved within laid-down time frames
    • Cross-sell products effectively.
    • Ensure effective turn-around times on customer problem resolution.
    • Ensure that customers are fully informed of their rights and obligations to the bank in accordance with the Code of Banking Practice.
    • Monitor and analyze Customer Evaluation of Bank Service (CEBS) data to identify strengths and weaknesses.
    • Ensure that customer documents, applications for facilities, security documents etc are completed accurately and timeously.
    • Ensure correct scheduling of staff to meet customer demand.
    • Ensure workload fit is achieved
    • Prevent practices that would results in reckless lending and lead to customer over-indebtedness.

    Legislative compliance

    • Ensure compliance to statutory and regulatory requirements with regards to customer applications
    • Conduct a needs analysis to identify customer needs effectively when opening new accounts or giving product advice, in line with Financial Advisory and Intermediary Service Act licence categories.
    • Ensure compliance standards are met
    • Ensure proper record keeping in terms of Financial Advisory and Intermediary Services Act as well as the Financial Intelligence Centre Act requirements.

    Business development

    • Increase sales consultants productivity by responsible selling practices
    • Sell the bank’s products proactively and pass on other sales leads to the applicable business areas.
    • Report statistics correctly and timeously.
    • Implement marketing initiatives and campaigns as required by the segment.
    • Keep abreast of changes and new developments in the focus segments.
    • Build and foster working relationships for the team with key role players such as Credit, fraud departments etc

    Reworks

    Ensure your team has zero reworks.

    Preferred Qualification And Experience

    • Relevant Degree from relevant University
    • Professional banking qualification would be an added advantage
    • 3-4 years banking experience, with exposure to sales and customer service in the position of Customer Consultant or equivalent
    • MS Office skills to be able to report on sales

    Knowledge/Technical Skills/Expertise

    • Good knowledge of personal or business market products and the processes underpinning them.
    • Good knowledge of product criteria and bank policy regarding appropriate pricing, charges and interest rates.
    • Good knowledge of local competitors
    • Strong analytical and diagnosing skills (in terms of identity documents, pay slips, bank statements etc
    • Good knowledge of the debt collection and debt counselling process
    • Knowledge of the documentation related to personal market credit processes and credit delinquency cycles
    • Extensive knowledge of all branch processes and procedures.
    • General knowledge and understanding of financial statements, including application of policies and principles for evaluation and management of the risk associated with lending. Able to apply
    • principles in diverse situations.
    • Knowledge of the Code of Banking Practice, FICA and NCA
    • Knowledge of competitor products.
    • Knowledge of other products sold in the branch channel.
    • Knowledge of the Financial Advisory and Intermediary Services Act.
    • Qualifications and experience as determined by the “Fit and Proper Requirements” of the Financial Advisory and Intermediary Services Act.
    • Understanding of regulatory and legislative requirements in terms of FICA and NCA
    • Knowledge of product suite on offer and the various pricing, limits, criteria etc
    • Understanding of financial accounting principles and procedures
    • Understanding of fraud and risk management

    Method of Application

    Interested and qualified? Go to Standard Bank Group career website on careers.peopleclick.eu.com to apply

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