PURPOSE:
The Job holder will be tasked with:
Supporting the Head of Small Business (HSB) in growing and managing the MSE segment business portfolio across the network.
Participating in portfolio growth activities, driving client satisfaction through product enhancement and service delivery, and making end to end follow ups to ensure timely feedback on MSE credit facilities.
Facilitating active collaboration between the branch and the other departments for satisfactory service to the MSE customers.
Delivering a growth strategy for their portfolio through the acquisition of new clients as well as maintaining and deepening relationships with existing MSE customers.
PRIMARY RESPONSIBILITIES:
Reporting to the HSB within Business Banking and will be responsible for:
Consistently grow the Segment portfolio by accelerating acquisition of new to bank customers.
Accelerate the uptake of the MSE customer value propositions, product bundles and solutions applicable and continuous engaging the customers.
Demonstration of Leadership and growth of the assigned Direct Sales executives-DSEs in line with the set targets and understanding their mandate in line with the Bank strategy in serving the MSE customers. Ensuring excellent performance always.
Provide fruitful collaboration between the branch business teams and other departments in satisfactory service to the MSE customers.
Ensure MSE business growth within the assigned branches/Sales team to grow both ETB & NTB and the uptake of the existing products in line with the set targets.
Co-ordinate occasional customers' workshops/seminars within the assigned branches for products knowledge and awareness.
Generate call reports by occasionally conducting regular visits to client's business premises during credit request assessment and post- disbursement monitoring to ensure the quality loan book within the acceptable levels.
Ensure credit applications documentation from the respective team are compliant in line with the credit & lending policy and procedures.
Ensure customer satisfaction by handling customer complaints/feedback appropriately and timely feedback with closure.
Delivery of exceptional performance through the business development team within the assigned branches within the available performance management tools.
Provide leadership and strategies during performance review of reportees on the portfolio assigned.
Precision in achieving set KPIs, Growth of CASA, Quality NTB accounts,
Increased transactions within MSE accounts, uptake of MSE advances (including home loans, hire purchase, overdrafts and term loans), non-interest income, and cross selling the bank products.
Generate periodical timely and accurate reports for HSB as necessary for decision making in support of driving the MSE strategy.
PERSON SPECIFICATIONS
Academic Qualifications
At Least a bachelor's degree in business administration or its equivalent from a recognized institution.
Experience
At least 5years relevant experience in the banking industry, 3 of which should have been direct dealing with MSE customers.
General Competencies and Skills
Ability to interpret customer needs and present suitable bank products and services
Interpersonal and excellent customer service skills
Ability to interpret targets and develop plans to swiftly achieve them
Excellent communication and interpersonal skills.
Good negotiation and decision-making skills.
Good planning and organizational skills.
Ability to work with numbers, conduct analysis of information for decision making.
Ability to make sound judgment and quick right decisions in the interest of the Bank and the customers.
Ability to build trust, value others, communicate effectively and proactive execution.
Ability to harmoniously work with others, Self-motivated/driven.
Initiative, tactful and demonstration of high level of maturity.