Career Opportunities at Standard Chartered Bank - 10 Positions

Leading the way in International Banking.  Standard Chartered is one of the world’s most dynamic and exciting international banks. Once you have joined the team, we offer many opportunities to expand and grow your career.
The successful applicant will contribute to the Finance function by;

• Preparation of timely and accurate returns for submissions to the Bank’s regulators;
• Preparation of accurate and timely information to support Group and statutory reporting;
• Carrying out analysis of financial information and highlight opportunities and risks for management action;
• Scanning the regulatory environment for regulatory changes and preparing an impact analysis that provides insights for decision making;
• Delivering annual report inputs and Board papers; and
• Providing support to ensure GFS delivers in accordance with the service level agreements on reporting.

Key roles and responsibilities

• Timely and accurate preparation and submission of Group reporting packs and regulatory returns;
• Carrying out analysis of regulatory information and highlight opportunities and risks for management action;
• Performing daily trial balance reviews and follow up of corrective actions for timely closure;
• Preparation of timely and accurate reconciliations to facilitate compliance with Finance policies;
• Performing detailed cost analysis and take follow up actions to ensure correct reporting on costs;
• Championing automation of reporting to eliminate production and focus efforts on analysis and value adding insights;
• Advising Senior Manager, Reporting and Financial Controller (FC) of emerging trends and themes from regulatory reporting;
• Play a key role in preparation of the annual report delivering on the assigned tasks accurately and within agreed timelines;
• Prepare board papers within agreed timelines;
• Play a key role in implementing Finance Transformation initiatives;
• Maintain the Department Operating Instructions (DOI) and service level agreements (SLAs) ensuring these are always up to date;
• Execute timely and accurate Key Controls Self Assessment (KCSA) and Operational Risk Framework (ORF) checks;
• Support both external and internal audits;
• Prepare board papers within agreed timelines clearly capturing key issues;
• Prepare Gap and impact analysis of new regulations and policies to drive required actions; and
• Maintenance of the regulatory reporting register.

Qualifications and experience

• Degree plus accounting qualification (CPA/ACCA or equivalent);
• Prior experience should demonstrate broad reporting experience of more than 3 years in the banking or financial services industry preferably in a complex, global organization;
• Controls and governance awareness and understanding;
• Proficiency in accounting systems;
• An eye for  detail, strong analytical & organisational skills and a strategic thinker;
• Management and leadership skills in a dynamic and high expectation environment with an ability to work under pressure and deliver under tight deadlines;
• Good communication and excellent interpersonal skills and ability to work with diverse people;
• A team player and independent worker with ability to work with minimum supervision;
• Ability to work in a fast-paced and busy environment, meeting tight deadlines with stretching targets; and
• Strong Microsoft Excel, SQL and PowerPoint knowledge.

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Leading the way in International Banking. We support the people and companies driving investment, trade and wealth creation across Asia, Africa and the Middle East. And our heritage and values are expressed in our brand promise – here for good. See our Brand and Values

• Manage and drive the digital transformation agenda in the country.
• Ensure technology enablement is delivered through agile technology projects that improve the client experience and frontline productivity
• Work with stakeholders to get support and adoption of the digital agenda
• Ensure that all projects aspects are successfully completed in country prior to the roll out of any digital initiative.
• Be the Business Lead for all Digital Initiatives for Wealth Management products.
• As Business Lead you will identify various client use cases which can help in contextually marketing Wealth Management products to our clients, with an emphasis on initiating and completing the sale.
• As Business Lead, you must identify critical entry-points, client sale/post sale experience and the most efficient delivery channels
• Be responsible for Digital Transformation projects and features from concept to final implementation.
• As Business Lead, you will work with our country, region and group stakeholders to ensure to ensure that business, quality and functional goals are met with each release.
• As Business Lead you will be the key decision maker on priorities and design decisions, and work to ensure that all stakeholders are aligned at each stage of the agile development lifecycle. As Business Lead you’ll need to understand both the engineering and business side of releases and be ultimately responsible for representing the end user’s needs.
• Provide business input on requirements to the technology project teams.
• Identify impact on critical processes within the Bank’s operational risk framework, and work with process owners and project teams to ensure robust controls.
• Work with technology/Regional Transformation project teams to develop test plans. Co-ordinate business users to test new platforms or technology features that are developed. Ensure final delivery meets user needs.
• Participate in project review meetings and identify/highlight any potential issue that may impact project’s cost, timeline and/or scope and work with concerned stakeholders for its early resolution to bring back the project on track
• Conduct periodic briefings to senior management on progress of technology projects, from the business perspective. Highlight issues that require resolution.
  KEY MEASURABLES
  Digital adaption of technology by frontline teams and clients
• Projects successfully completed; business impact achieved from them.
• Effectiveness of execution in projects, within scope of responsibilities listed above.
• Feedback on quality of work by stakeholders and senior management.

CAPABILITIES REQUIRED

Knowledge

• Good understanding of digital industry including but not limited to Banking/Finances;
• In depth understanding of Digital Marketing concept, best practice & key levers;

Skills

• Stakeholder influencing and engagement skills
• Strong attention to detail
• Ability to mobilize teams quickly
• Experience building collaborative relationships with stakeholders with the ability to participate in cross-functional projects
• Persuasive negotiator with excellent verbal and written communication skills
• Excellent organisational skills, ability to prioritise and manage multitude of issues simultaneously
• Significant experience of managing professionals over a geographically and culturally diverse region
• Good at Excel, PowerPoint and other MS office programs.

Experience

• 3- 4 years’ experience in a product-related or change/transformation role of a bank’s Wealth Management unit.
• Demonstrated knowledge of how Wealth Management processes and technology systems work.
• Strong skills in conceptual and quantitative problem-solving, aligning a broad range of stakeholders from multiple functions, and executing against a tightly-defined timeline.
• Experience in working with technology project teams, from the business perspective, a significant plus.

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Leading the way in International Banking. We support the people and companies driving investment, trade and wealth creation across Asia, Africa and the Middle East. And our heritage and values are expressed in our brand promise – here for good. See our Brand and Values

We are currently looking for a Network Relationship Manager to drive our network business in Commercial Banking.

The successful applicant will be responsible for Origination of network business from Indian corridor and would work closely as a team with Credit Analyst (CA) and Assistant Relationship Manager (ARM) in on boarding clients, deepening relationships and driving revenue growth.The RM is overall responsible for post deal account maintenance and managing the risk associated with the portfolio. He has an overview on Assistant Relationship Manager who holds direct responsibility for post transactional activities and the Credit Analyst for credit related activities.

• Origination:
  • Ensure quality of client acquisition, identify prospect and convert in line with Bank’s appetite and Commercial Banking’s strategy
  • Leverage on SCB’s unique network and full franchise across Africa and India to capture more India investors into Africa and facilitate the expansion of these investments across Africa
  • Ensure quality of the sales pitch and lead them with the clients
  • Work with Credit Analyst and obtain all pre-deal clearances.
  • Manage a healthy pipeline and also a record of client calls and discussions
  • Oversee ARM to ensure smooth on-boarding of client after thorough completion of documentation and other processes.
  • Senior client calling and briefing on a regular basis for account maintenance and deal negotiation. Also engage senior internal stakeholders for marketing, credit and any other pertinent issues.
• Client on-boarding & deal execution
  • Work with Customer Due Diligence team to ensure proper completion of due diligence requirements.
  • Work closely with CA, product partners, and analyze a) wallet size b) determine appropriateness of the product and c) work out a comprehensive account plan from a one-bank perspective
  • Successfully negotiate and close out pricing and other deal dynamics with client
  • Oversee the quality & turnaround of credit proposal and ensure faster delivery. Work with CA for resolving Credit queries.
  • Oversee the ARM to ensure all documentation and security creation are completed on time to ensure smooth execution of transaction.
  • Liaising with Legal/external counsel in preparation and execution of non standard complex transactions along with product partners.
• Account Management & portfolio quality
  • Work close with product team in delivering cash management solutions and migrating clients to digital channels
  • Oversee the service quality and turnaround of service requests from clients and ensure faster delivery
  • Along with the product partner, push for line utilization of complex and structured transactions. Oversee the ARM in ensuring high utilization of regular facilities.
  • Work with the CA and ARM to ensure discipline and quality in portfolio against timeline
  • Review and monitor the client profitability to ensure there are no revenue leakages.
  • Work close with CA and ARM to make sure the credit files are complete and up to date
  • Attend various internal or external sales/ non sales meetings and convene the consortium meetings where we are the lead bank
  • Overall responsible and accountable for the credit quality of the assigned/acquired portfolio.
  • Ensure you remain alert to the risk of money laundering and assist in the Bank’ efforts in combating it by adhering to the key principles in relation to: identifying your customer, knowing your customer, reporting suspicions, safeguarding records and not disclosing suspicions to customers.
  • Provides feedback to management and internal departments regarding customer service quality, product issues, customer complaints etc

Experience and Knowledge required:

• Business or accounting related degree.
• Minimum 3 years experience in a corporate banking environment of which half should be of managing corporate/commercial client relationships.
• Sound understanding of corporate treasury products, trade finance products, lending, cash and payment solutions.
• Strong credit appraisal and marketing skills, with the ability to interpret complex financial information.
• A good understanding of the general, economic, political and business environment of the region.
• Excellent communication (written and verbal) and negotiation skills. Proven ability to work as part of a team.

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PURPOSE:

To uphold the integrity for the Group’s risk/return decisions and in particular for ensuring that credit risks arising from Retail Banking (RB) Secured Lending are properly assessed, that risk/return decisions are made transparently on the basis of the proper assessment, and are controlled in accordance with the Group’s standards and its Risk Appetite.

To ensure the Risk Management Framework and policies are effectively communicated and implemented across the Function and for administering related governance and reporting processes

To exercise credit risk approval authority in the RB Secured Lending business.

RESPONSIBILITIES:

• Strategy
  • Build and implement governance structure around Retail Banking Secured Lending (Mortgage, Auto Loans and Wealth Management) in Africa including Policy, Processes and Country structures.
• Business
  • Review and support of all Retail Banking Secured clients underwriting documents including Credit Approval Documents CAD and CRDs in Africa Market before onward transmission to CCO, RB Africa for approval/support.
  • To provide necessary portfolio analyses and credit performance forecasts, and review financials propositions with the Business to ensure good growth of quality assets.
  • Integration of Group Credit Policy/Standards with RB Secured Lending strategy/plan and ensuring appropriate credit culture/training and adherence to Group Credit policy/standards in the Africa Countries
  • Ensure proper functioning of day-to-day controls, periodic monitoring activities and timely resolution of risk issues across the cluster, continuously improving them.
  • Own compliance to Group Policies for Secured portfolios
• Processes
  • Oversee credit processes for efficiency and robustness; focus on timely customer conversion/turnaround while maintaining appropriate risk and controls
  • Continuously improve the operational efficiency and effectiveness of risk management processes
• People and Talent
  • Set and monitor job descriptions and objectives for direct reports and provide feedback and rewards in line with their performance against those responsibilities and objectives
  • Uphold and reinforce the independence of the Function from those whose primary responsibility is to maximise short-term revenues and profits
  • Ensure the provision of ongoing training and development of the Function’s people, and ensure that holders of all critical functions are suitably skilled and qualified for their roles
  • Lead through example and build the appropriate culture and values within the Function and across the wider organisation
• Risk Management
  • Proactively identify portfolio problems and take corrective action by effective use of MIS and Analytics
  • Manage all problem portfolio exposures in accordance with acceptable norms of appropriateness/timing of classifications, non-accruals, and write downs of assets.
  • Ensure compliance to Group Policies for Secured segments, ensuring timely gap analyses are done and dispensations obtained where required.
  • Own and implement effective quality assurance framework across Secured portfolio
  • Initiate stress tests as required by internal and external factors affecting retail clients and review results and assess their implications
  • Ensure that effective management response plans are in place to respond to extreme but plausible scenarios
  • Direct appropriate response to material events or other risk issues that come to the role holder’s attention
  • Ensure that material risk exposures and related issues are reported to the responsible governance committees
  • Ensure appropriate judgement is applied in the discharge of risk authorities assigned to the jobholder, taking account of concentration risk across sectors, geographies and markets where applicable.
  • Design, maintain and effectively communicate risk control parameters across the retail clients business, including policies, control standards, risk exposure limits and other control levers in order to maintain the business’s risk profile in line with the Group’s risk appetite
  • Maintain a good understanding of the requirements of key external stakeholders in respect of credit risk management and ensure these are well understood internally and reflected in internal procedures
  • Ensure business and product heads understand and accept their credit risk management responsibilities
  • Maintain an open and cooperative relationship in dealings with regulators
  • Ensure timely reporting of related portfolio information to CCO, RB Africa

Key Stakeholders

Internal:

• Regional and Country Heads of Credit Initiation/ Risk Operations
• Regional and Country Heads/ Fraud Risk Managers
• Members of Retail Banking Risk Management Group
• Cluster & Country Retail Banking Heads
• Members of Country and Cluster Retail Banking Leadership Teams
• Country and Cluster Heads of Control functions
• Group Internal Audit

External:

• Regulators and Central Banks in the Cluster
• Credit Bureaus
• External auditors

KNOWLEDGE AND SKILLS:

• Market Knowledge: Substantial experience at the highest level in the banking industry, including demonstrated success in a similar role
• Business Strategy and Model: Sharp business acumen (including ability to assess risk and appropriate levels of return), strong leadership qualities, excellent interpersonal skills and multi-cultural awareness and sensitivity
• Risk Management and Control: Demonstrated track record in successful management and ability to manage risk in geographically dispersed and highly varied product base. Expertise in process design and control

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The Mandate:

As a result of an internal reorganisation there is a need to recruit for the position of Area Head GSAM, East Africa.

This individual will be responsible for managing all aspects of the bank’s Special Assets portfolio across the East African region African region.

Reporting Lines & Career Path:

The incumbent will report into the Head of GSAM Africa.  This person will have a number of direct reports covering Kenya, Tanzania and Uganda.

Movement globally within the Group is a genuine prospect.

Internal Relationships:

Key stakeholders include:

• CEOs, CCROs, CFOs and HR
• Business heads: in-country heads of Audit, Legal, Compliance, GSAM, Policy & Performance

Key Responsibilities:

• Accountable for managing all aspects of the GSAM East  Africa portfolio of accounts including risk assessments, recovery or exit strategies and their implementation, and impairment loss assessment
• Ensure the GSAM  East  Africa team is adequately resourced, skilled and performing at a high level
• Manage key internal stakeholders
• Manage external stakeholders: regulators, external auditors, attorneys, advisors and consultants
• Ensure that the GSAM East  Africa team understands and adheres to all relevant policies, including GSAM policies, Risk Policies, Group Code of Conduct, Anti-Money Laundering and Sanctions policies
• Ensure that all applicable Operational Risk processes, controls and measurement procedures are in place and rigorously followed throughout the region
• Ensure that forecasts and budgets are delivered
• Chair and/or attend all relevant internal and external committees
• Provide context and direction to GSAM East  Africa staff: act as a behavioural role model and ensure the maintenance of high work standards, high integrity and professionalism
• Exercise sound judgment, business sense and risk awareness in all decisions
• Share experiences and lessons learned with relevant internal constituencies outside GSAM in order to expand their risk knowledge base
• Contribute to the formulation and introduction of group and functional policies
• Participate in ad-hoc projects or assignments where GSAM contribution is required
• Drive global best practice

Core Experience & Capabilities:

• Understanding of corporate finance and diverse debt instruments
• Experience dealing with single and multiple creditor work out scenarios
• Understands legal regimes in different regions – Portuguese / Francophone / Anglo Africa
• An understanding of how to manage chinese walls on listed investments
• Knowledge of the practical realities of litigation and arbitration in different regions
• Understanding of business rescue legislation across the region
• Ability to synthesise information from different sources and produce concise summaries of key messages
• The maturity and cultural awareness to deal with senior executives across Africa
• The ability to convince and negotiate tactfully and persuasivly with strong personalities
• Exceptional interpersonal skills
• Strong communication and presentation skills
• Strong commercial awareness and business analytical skills
• The ability to get things done and influence people at a distance
• Highly experienced operator able to function in challenging environments

Mission Critical Requirements:

• Robust character
• Thorough understanding of business and credit markets in Africa
• Detailed knowledge of debt instruments (particularly mezzanine) and the pricing thereof
• Experience in M&A or private equity
• Understanding of relevant legislation
• Experience in developing statutes and rules with governmental and state organizations
• Track record in business rescue or business turnarounds and practical knowledge of associated risks
• Experience in leading complex multi bank consortiums
• Governance skills across financial, risk, regulatory and compliance constructs
• Highly numerate
• Acknowledged as leader in the field by his / her peer group
• Proven track record as an outstanding negotiator
• Ability to easily move between big picture and technical detail
• Experience of the African banking markets
• Proven ability to build and lead multicultural teams in a wide range of geographic locations
• Cultural awareness and sensitivity

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JOB PURPOSE

Mandate

• Advise Priority Clients approaching Bank with complex individual needs
• Engage Affluent and hidden affluent in advisory conversations with analytics support and collaboration with Wealth Specialists
• Acquire and activate new Affluent/potential Affluent client referred to from ETB clients or directly to Priority Banker/Team
• Prepare and educate clients to interact via digital platforms

KEY RESPONSIBILITIES

• Engaging and deepening activities
• Methodically engage (remote)
  
  • Have complete knowledge of the clients in terms of the profile & assets
  • Create analytics-backed next best conversation
  • Needs/Achor Products
  • Individual banking products (PL, CASA etc), Wealth Products
• Meet & deep sell (remote & in person)
  
  • Develop a comprehensive Account Plan for at least 20% of client base
  • Meet in person to meet advisory needs (once a month/quarter)
  • Connect client with specialists
  • Set up products
  • Conduct/connect for periodic CDD reviews
  • Conduct fulfillment & activate
• Services (remote)
  
  • Refer most servicing activities to Client Service Officers/Managers
  • As needed by clients
• Acquiring on referrals
• Connect & prepare (remote)
• Connect & start up referred leads (including Business Client owners, CC and CIC C-level executives with more advanced needs)
• Explain proposition & requirements in full
• Needs/anchor products
• PIL, CASA, Wealth Products
• Meet, deep sell & train (in person)
• Meet, listen and determine further needs
• Set up anchor products & initiate cross-sell
• Conduct/connect for CDD
• Educate and conduct initial set up for online, ATMs, Client Centre
• Conduct fulfillment & activate

KEY STAKEHOLDERS

• Priority Wealth Specialists
• Client Service Manager, Affluent
• CDD team
• Branch Manager

SKILL REQUIREMENTS

• Product broadening
• Enhanced multi-product Priority knowledge
• Market and competition knowledge
• Client engagement
• Presentation and soft skills tailored to engaging Affluent Clients
• Internal stakeholder engagement skills
• Closing deals
• Ability to drive and manage client interaction
• Communication and presentation skills
• Negotiation and objection handling
• Client training on digital solutions
• Journey completion
• Discipline and time management to handle a client portfolio
• Ability to solve problems and close issues without handing over
• Strong analytical ability
• Understanding of Priority CDD principles
• AML/CDD
• Ensure all reasonable steps are taken to verify the identify customers.
• Retain adequate records of identification, account opening and transactions
• Make prompt reports of suspicious transactions (STR) and suspicious activities (SAR) using the right internal channels
• Maintain raised awareness of Anti-Money Laundering prevention by training all staff /attending training sessions, through eLearning or any material updates provided by the Bank

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Job Purpose: 

To acquire business Assets and Liabilities from potential EB clients through internally generated leads, referrals while focusing on EB-companies and providing the appropriate service standards. Target Client Affluent Senior executives and employees with whom RC has done a B2B deal (primarily CC/CIC)

Key Mandates

Inbound and outbound NTB sales & activation (CIC/CC: onsite, lists)

• Engage NTB clients (any segment) who are employees of corporations with whom RC has done a B2B deal (primarily CC/CIC)
• Engage via on-site marketing/road shows, or via employee lists provided by corporation
• Initial primary focus on payroll account and anchor products in respective job role, gradually broadening to full range of retail products

Key Responsibilities:

Connect & explain (remote)

• Connect with identified employees (based on B2B set of leads)
• Explain proposition & requirements in full
• Implement sales strategy underpinning marketing efforts to acquire, expand and retain profitable relationships and grow the market share in accordance with branch sales targets

Prepare & set up (remote)

• Pre-send product bundles description and bank proposition
• Conduct remote KYC
•    Collect all documents (digital) required for account opening and pre-fill forms

Meet, deep sell & train (in person)

• Meet in person (ensure Priority Banker joins if Affluent)
• Listen and determine further needs
• set up anchor products
• Initiate discussion to cross-sell
• Educate and conduct initial set up for online, ATMs, Client Centre, and Store

Activate (remote)

•   Conduct fulfillment
•   Pass on referrals/leads of other products to respective specialists
•   Actively participate in branch training on sales, service and controls.
•   Regular feedback from the Team Leader, Employee Banking on performance and recommend appropriate improvements plans where necessary.
•   Any other official duties as may be directed by the line manager

Service

• Ensure an excellent customer experience during the account opening, documentation process as well as when offering any other service
• Actively participate and challenge the status quo, to improve on processes through documented service storming sessions
• Scan customer instructions (AOF) on FileNet and eOPS through AfricaScan Solution as maker(CapMaker profile)

Controls

• Ensure that CDD is applied when engaging the customer or opening accounts and proper completion of checklist in place
•  
• Reporting of suspicious transactions or activities
•  
• Ensure that you fully understand the CDD & AML group policy and are adequately trained in CDD & AML
•  
• Ensure that you understand, sign and adhere to the Group code of conduct
•  
• Ensure sales process is followed to avoid miss-selling or miss-information.
•  
• Ensure proper time and resources management

Key Stakeholders

Employee Banking RM

EB Business Development Team

Team Manager, Employee Banking

Skill Requirement

Product broadening

• Enhanced multi-product Priority/ Personal knowledge
• Market and competition knowledge

Client engagement

• Closing deals
• Client training on digital solutions
• Communication and presentation skills
• Negotiation and objection handling

Journey completion

• Understanding of Priority / Personal Client  KYC principles

Direct Contribution to:

• Customer retention/loyalty.
• Contribute to the growth and achievement of branch portfolio.
• Achievement of enhanced service quality and performance standards.
• Enhanced control environment

Indirect Contribution to :

• Overall profitability of the branch.
• Overall image/ reputation of the branch in the network.
• Operational efficiency and service levels to customers in the branches

Key Performance Indicators

• New Sales Revenue
• Service quality index.
• Accuracy on account opening data/documentation
• Achievement of monthly scorecard

Experience/Knowledge Required

• Thorough knowledge of Bank’s products and services
• Excellent interpersonal and networking skills, internally and externally
• Strong sales and relationship building skills
• Ability to match perceived customer needs with existing Bank products
• Good grasp of competitive awareness
• University degree Or Diploma; Any Business field preferred

Complexity/ Judgement

Complexity; in the job arises from the following factors:

• Dealing with sophisticated customers with complex enquiries.
• Developing and maintaining good relationships with target customers

Judgment; is required on a day-to-day basis for:

Identifying customer needs and matching them with existing Bank’s products.

Proposition 3 – Career development

If you’re a bright mind with big ambitions, we’ll actively encourage you to fulfil your potential. Thanks to our rich and varied international footprint, we can offer exciting opportunities working across different countries and cultures.  Apply Now and take the next step in fulfilling your potential

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JOB GRADEG7UNIT Client Relationships

REPORTS DIRECTLY TO Team Manager, Relationship Management, Business BankingREPORTS INDIRECTLY TO JOB PURPOSE

• Drive deepening activities with high-value or high potential clients with full range of BB products, continuous analytics support and collaboration with Business Specialists;
• Meet clients when required (ie once a month)
• Acquire and activate new clients referred from ETB clients directly to Business Banking Clients RM/Team
• Maintain integrity of clients’ credit portfolio through monitoring, early action and remediation actions

Key Responsibilities

• Relationship deepening by proactively reaching out to & engaging with high value Business Banking Clients & “Hidden larger Businesses” as per the mandated protocols
• Acquiring from ETB client referrals (MGM)
• On boarding clients on Business Working Capital (BWC) proposition.
• Supporting the client on any client-initiated needs
• Delivering on transactions, service requests, Mobile/Web training
• Updating CDD/ AML
• Managing Client’s credit situation

Key Relationships

Internal

• BB Specialist
• KYC/CDD unit
• Credit operations

External

Clients of Business Banking Team

Skill requirements

• Product broadening
• Understanding of businesses and financials
• Enhanced multi-product BB knowledge
• Market and competition knowledge
• Client engagement
• Presentation and soft skills tailored to engaging business owners
• Internal stakeholder engagement skills
• Closing deals
• Ability to drive and manage client interaction
• Communication and presentation skills
• Negotiation and objection handling
• Client training on digital solutions
• Journey completion
• Discipline and time management to handle a client portfolio
• Ability to solve problems and close issues without handing over
• Strong analytical ability
• Understanding of BB KYC/CDD principles

KYC/AML Clause

• Ensure you remain alert to the risk of money laundering and assist in the bank’s efforts in combating it by adhering to the key principles in relation to:-
• Identifying your customer, knowing your customer, reporting suspicions, safeguarding records and not disclosing suspicions to customers

CONTRIBUTES TO

• Revenues, Asset and Liabilities of BB business at country and regional level.
• Image and reputation of department and the Bank.

AUTHORITIESNAEXPERIENCE / KNOWLEDGE REQUIRED

• Good first degree or requisite technical skills gained through professional associations and practical experience (3-5 years’ experience)
• Good working knowledge of banking products.

COMPLEXITY / JUDGEMENTComplexity in managing portfolio of customers balancing effort/reward.FREEDOM OF DECISION MAKING

• Many day-to-day decisions regarding customers (not credit).
• Significant latitude in managing and prioritising workload.

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Job Purpose:

Development and implementation of business strategies to deliver performance and growth targets of the branch.

Maintenance of a healthy business environment through strict adherence to Group Operational Risk Policy and CDD guidelines.

Key Responsibilities:

• The Implementation of new Branch Structure leading to an optimal Sales/Service mix to enable Branch to meet its Sales Targets.
• Monitoring daily Branch Sales Performance to ensure Sales and portfolio growth targets are achieved.
• Ensure high quality, knowledgeable service levels in branch to exceed customer expectations.
• Build  a motivated, committed and focused Branch team, consistently delivering creative, precise and customer-focused service.
• Drive employee development and engagement within branch.
• Conduct effective performance management.
• Monitor and ensure that all  Branch Key Performance Indicators are achieved.
• Fully comply with all policies, procedures and KCSA to achieve satisfactory  grades in local & Group Audits.
• The Implementation and monitoring of CDD measures in line with Group and Regulatory requirements.

AML & CDD

Ensure that the Anti-Money Laundering requirements are followed as follows:-

• Take all reasonable steps to verify and identify our customers
• Retain adequate records of identification, account opening and transactions
• Make prompt reports of suspicious transactions using the right internal channels
• Raise awareness of Money Laundering prevention by training all staff/attending training sessions

KEY RELATIONSHIPS

(INTERNAL & EXTERNAL)

Internal

• Head, Client Relationships
• Other Branch Managers
• Branch & Proximity Operations Manager
• BORM
• Head Branch Banking Sales
• RC HR Relationship Manager
• Head, Assurance
• Head, Client Center
• Head, Client Experience
• Head, CEPG

External

• Bank Customers
• Regulators (Local government, CBK)
• Vendors(ATM, Telkom, G4S, Wells Fargo, KPLC)

Authorities:

• Initiate process and service development to satisfy customer’s needs.
• Ensuring proper implementation and control of set budgets.
• Authorized to approve items scanned to the hub on filenet/eOps.
• Approve SDD Account Opening.
• Departmental Continuity Co-ordinator with regards to the BCP.
• Other authorities stipulated in the Delegated Authority Grid.

Key Performance Indicators:

Financial

• Sales
• Portfolio Growth
• Costs
• Revenues

Staff

• Productivity
• Training
• My voice survey (Engagement)

Service

• Customer complaints
•  Queue times

Risk

• UORM Findings
• Frauds & Losses
• CDD/AML

Experience and Knowledge Required:

• Graduate with 4 years Banking / Financial Services experience.
• At least 3 years excellent performance in a branch role.
• Well developed strategic perspective and forward planning ability
• Good networking and negotiation abilities.
• Analytical and problem solving skills coupled with decision making ability.
• Good interpersonal and communication skills.
• Excellent leadership and team building qualities.

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Job Details

• Customer/Business Acquisition
• Increase customer base through new to bank (NTB) customer acquisition and increased product per customer (PPC) ratio for existing to bank clients (ETB)
• Activate NTB clients, and set up and educate clients on remote channel usage i.e., online, Client Centre, ATM; Hand over client to Priority or Business Banking Team if required
• Based on client profile, map client potential and work towards up streaming to Priority and Business Client segments by increasing wallet share.
• Relationship Management
• Manage & service primarily walk in clients, fulfilling transactional requirements
• Grow & improve customer’s value and profitability by engaging & deepening existing customers relationships
• Address walk-in ETB clients’ (any segment) sales needs (may be from Service To Sales); Serve client on initial request and broaden to Next Best Conversation based on ETB analytics
• Direct and educate walk-in clients to use self-serve channels, and handle service requests via low-counters where requested by clients; Actively seek Service To Sales opportunities
• Effectively convert service recovery to sales opportunities
• Customer Engagement & Advisory
• Provide advice on potential financial planning solutions based on client needs
• Carry out suitability assessment of clients
• Refer to product specialists to provide expert advice to customers across a wide range of financial matters such as retirement planning, estate planning, asset allocation, forex rates etc
• Risk Management & Control
• Ensure meeting clients requirements while ensuring compliance with regulations and controls set by the bank and external regulatory authorities by all staff
• Read, understand and comply with all provisions of the Group Code of Conduct
• Sound knowledge of all aspects of general banking, retail operations and credit operations/deposit and lending products/inspection and audit requirements as applicable

Ensure that the Anti-Money Laundering requirements are followed as follows:-

• Ensure all reasonable steps are taken to verify the identify customers.
• Retain adequate records of identification, account opening and transactions
• Make prompt reports of suspicious transactions (STR) and suspicious activities (SAR) using the right internal channels
• Maintain raised awareness of Anti-Money Laundering prevention by attending all staff /attending training sessions, through eLearning or any material updates provided by the Bank
• Ensure zero operation loss and effective complaint management
• Ensure strict compliance and responsible for achieving and maintaining satisfactory audit rating