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About this job
Job Purpose
Driving the overall growth of the SME segment within the bank. The role entails implementing acquisition, retention, and expansion strategies for SME segments, making major operating and investment decisions, and ensuring the achievement of key performance indicators. The role holder will also be responsible for developing and implementing strategies, cascading them to the branches, and monitoring performance to drive growth.
Key Responsibilities/Tasks
Lead SME banking unit and ensure effective coordination with the branches to boost up Small Medium Enterprises (SME) client base
Design, plan and formulate strategies to achieve business goals as to SME Banking
Grow the team’s portfolio profitability by identifying new and existing customer potential including sales opportunities and new product promotion initiatives
Monitor proper utilization of credit facilities in SME accounts and maintain the quality of risk assets and ensure periodic review of the facilities
Monitor Non-Performing SME loans of the Bank and decide on appropriate strategies and plan for re-structuring/recovery
Ensure compliance with internal policies and procedures and regulatory requirements
Develop customer value proposition that focuses on building and deepening relationships with existing and new profitable customers within SME segment
Proactively research competitive threats/opportunities within the market and geographical area
Grow the team’s portfolio profitability by identifying new and existing customer potential including sales opportunities and new product promotion initiatives
Skills, Knowledge, and Abilities
Experience in SME banking and deep understanding of SME banking products and services
Having in-depth knowledge on banking regulatory framework and guidelines on SME Banking
Having wide network of SME clients
An understanding of customer segmentation theory and practice
Must demonstrate good market knowledge
Academic / Professional Qualifications
Bachelor’s degree in Degree/Advanced Diploma in Business, Accountancy, and Economy, Finance, or any other related field.
MBA will be an added advantage.
Working Experience Required
A minimum of 8 years of working experience in Retail Banking driving products & business development and management
Proven experience record in leadership and people management (at least 3 years)
Driving the overall growth of the SME segment within the bank. The role entails implementing acquisition, retention, and expansion strategies for SME segments, making major operating and investment decisions, and ensuring the achievement of key performance indicators. The role holder will also be responsible for developing and implementing strategies, cascading them to the branches, and monitoring performance to drive growth.
Key Responsibilities/Tasks
Lead SME banking unit and ensure effective coordination with the branches to boost up Small Medium Enterprises (SME) client base
Design, plan and formulate strategies to achieve business goals as to SME Banking
Grow the team’s portfolio profitability by identifying new and existing customer potential including sales opportunities and new product promotion initiatives
Monitor proper utilization of credit facilities in SME accounts and maintain the quality of risk assets and ensure periodic review of the facilities
Monitor Non-Performing SME loans of the Bank and decide on appropriate strategies and plan for re-structuring/recovery
Ensure compliance with internal policies and procedures and regulatory requirements
Develop customer value proposition that focuses on building and deepening relationships with existing and new profitable customers within SME segment
Proactively research competitive threats/opportunities within the market and geographical area
Grow the team’s portfolio profitability by identifying new and existing customer potential including sales opportunities and new product promotion initiatives
Skills, Knowledge, and Abilities
Experience in SME banking and deep understanding of SME banking products and services
Having in-depth knowledge on banking regulatory framework and guidelines on SME Banking
Having wide network of SME clients
An understanding of customer segmentation theory and practice
Must demonstrate good market knowledge
Academic / Professional Qualifications
Bachelor’s degree in Degree/Advanced Diploma in Business, Accountancy, and Economy, Finance, or any other related field.
MBA will be an added advantage.
Working Experience Required
A minimum of 8 years of working experience in Retail Banking driving products & business development and management
Proven experience record in leadership and people management (at least 3 years)