Job Purpose
The Job
Holder will be responsible for managing Sales & Business Development of
Digital, Transaction Banking & Cash Management products and channels, with
a focus on growing uptake and utilization across target markets. The role
includes enhancing the breadth and depth of product lines to sustain
competitive positioning. Effective account relationship management is critical
to optimize customer satisfaction, retention, and wallet share through multiple
solutions from the bank’s portfolio.
Key Responsibilities
- Strategic Input and Planning
- Sales and Business Development
- Marketing
- Customer Experience
- Collaboration & Reporting
- Performance Metrics
- Technology & Innovation
Main Activities
Strategic Input and Planning
- Contribute to the Transaction Banking & Cash
Management strategy by preparing and implementing an individual business
plan aligned to branch and SBU growth objectives.
- Prepare a personal action plan that supports
achievement of budgetary goals.
Sales & Business Development
- Manage sales and business development across all
digital product lines: Credit Cards, Corporate Internet Banking, Mobile
Banking, Mobile Lending, Retail Internet Banking, Lipa Na Mpesa (Tills,
Paybills, Express), Salary Advance, Debit Cards, and Money Transfer/Remittances.
- Develop business opportunities and monitor
digital channel activities to ensure competitiveness and responsiveness to
market/customer needs.
- Enhance relationship marketing and management by
establishing and nurturing profitable customer and partner relationships.
- Drive wallet share growth by actively marketing
digital banking products to existing and prospective clients.
- Conduct market research and competitor analysis
to identify opportunities.
- Manage key account relationships, ensuring
cross-selling and upselling of solutions.
- Activate clients on digital channels to drive
usage, volumes, and income.
- Lead credit card business growth through
customer acquisition and usage.
- Grow portfolio through aggressive client
acquisition and uptake of cash management products.
- Acquire and manage merchant relationships under
Lipa na Mpesa and Sidian Xpress.
- Drive revenue growth from existing and new cash
management solutions.
- Expand uptake of salary advance/mobile lending
and bulk Internet banking within the branch.
- Support product innovation by providing customer
insights to product teams and piloting new transaction banking solutions.
Marketing
- Develop and deliver customer value propositions
to clients, shareholders, and partners.
- Build the Sidian Bank brand as a leading
enterprise bank.
- Guide branches using market insights on consumer
trends and competitor offerings.
- Support product specialists and sales teams in
marketing initiatives.
Customer Experience
- Champion customer satisfaction and advocacy to
drive growth and efficiency.
- Link sales and service by embedding customer
service culture.
- Ensure seamless customer support and timely
resolution of complaints.
Collaboration & Reporting
- Collaborate closely with branch managers,
product teams, IT, operations, compliance, and treasury to deliver client
solutions.
- Provide regular reports on sales pipeline,
client visits, activation rates, and revenue performance to the Head of
Transaction Banking & Cash Management.
- Participate in management and cross-functional
forums to align business development with strategic priorities.
Performance Metrics
- Growth in transaction volumes and revenues from
transaction banking and digital channels.
- Number and value of new customers, merchant and
corporate client acquisitions.
- Customer retention and satisfaction (e.g., NPS,
complaints resolution within SLA).
- Digital activation and utilization rates across
key products.
- Compliance results (zero repeat audit findings,
KYC update adherence).
Technology & Innovation
- Support adoption of new digital solutions such
as APIs, host-to-host integration, ecommerce acquiring, and innovative
payment solutions.
- Promote digitization initiatives in line with
the Bank’s transformation agenda.
- Provide feedback from clients and markets to
shape future product enhancements.
Decision Making Authority
- Reporting to: Senior Manager Sales, Digital
Financial Services
- The role holder is not mandated to execute any
business deal/decision solely.
- All decisions raised will be referred to the
unit manager or direct supervisor for countersigning.
Academic Background
- Bachelor’s degree in Business Administration,
Finance or any other Business-related field with minimum of Second-Class
Honors, Upper Division
Work Experience
- At least 5 years’ experience in banking
- Minimum 3 years’ experience in Electronic
Channels, Cash Management, Digital Banking, or Transaction Banking
- Sound knowledge of the Banking Act and the
regulatory framework in the Financial Services Industry
- Experience in regional banking delivery with
strong Internet Banking knowledge
- Knowledge and experience in money remittance
Skills & Competencies
Interpersonal:
- Goal focused and able to spot business
opportunities
- Builds networks and maintains strong
relationships
- Able to manage and influence others to achieve
results
- Has passion and drive to achieve results under
difficult circumstances
- Pleasant and able to relate well in diverse
social set ups and teams
- Upholds high standard of Professionalism,
integrity and respect for others
Management and leadership ability:
- Able to identify, motivate and develop talent
within the Branch.
- Capacity to influence decisions at management
level
- Communicates effectively and able to explain
complex Business issues
- Drives high performance in branch teams.
Professional Certificate
- Diploma in Banking – AKIB
- Certified Public Accountant CPA Section 2
How to Apply
