Responsible for managing consumer banking clients, identifying business opportunities, promoting financial products, processing loan applications, and supporting customer growth and retention. Requires a relevant qualification in finance, banking, business, economics, or a related field. The position is based in Nairobi and requires on-site work.
Job Purpose
- The
purpose of the role is to grow the consumer loan and liability book
through retail customers, corporate schemes/partners, Government
institutions, Developers, and other relevant partnerships.
Key Responsibilities
- Drive
sales budgets/targets through the branch sales team to ensure they are
achieved.
- Establish
and maintain a strong customer focus approach both with internal and
external customers.
- Facilitate
and develop sound relationships with the Employers, Government
institutions, Insurance companies and other strategic partners.
- Enter
key partnerships with key stakeholders in the consumer lending segment.
- Ensure
participation in relevant forums with key partners/customers
- Facilitate
and develop sound relationships with the internal channels such as
- Branch
network, Marketing units and other Head Office departments.
- Proactively
engage customers to establish service levels and initiate constant
improvement.
- Provide
regular and honest feedback to agents and clients.
- Ensure
that sub-ordinates maintain a good rapport with all customers in a
professional manner.
- Keep
customers constantly informed on the progress of their applications and
drive this culture throughout the team
- Adherence
to the consumer lending product profile, Credit Policies, Legislation
(KYC) & (AML).
- Identify
and address any fraud related activities and ensure risk exposure is
minimized.
- Conduct
a needs analysis to identify customer needs effectively when opening new
accounts or giving product advice.
- Complete
disclosure to the customers in terms of accreditation, repayments, service
fees, and commissions.
- Research
of industries in which existing and potential clients operate, to identify
and understand the contextual threats to those clients.
- Maintain
a high quality-lending book, through prudent and effective management
thereof.
- Proactively
assess the review process of existing facilities, ensure a consistent
thorough and timely evaluation of all existing facilities.
- Ensure
that allocated work is processed within the set TAT, therefore meeting
monthly targets.
- Provide
weekly/monthly management information reports to all relevant
stakeholders.
- To
perform any other duty as assigned in line with the Organizational goals
and objectives.
Qualifications
- Holder
of bachelor’s degree in a business-related field.
- Thorough
knowledge of MSME banking product and policies.
- Minimum
3 year working experience in the same position
- AKIB
banking certificates will be an added advantage
- 3
years’ experience in banking 2 of which should be in Business development
(Personal Banking/Consumer lending) and customer relationship management.
- Knowledge
of lending products and prudential guidelines.
- Ability
to lead teams and deliver business results.
- Must
be self-driven; possess excellent administrative, communication and
interpersonal skills, strong organization, and negotiation skills.
