Qualification, Skills & Experience:

• Bachelor’s degree in business administration, Economics, Finance, Banking or its equivalent from a recognized institution.
  
• Credit management training. Master’s degree in a Business-related field from a recognized University is an added advantage.
  
• A minimum of Five (5) year’s banking experience in a similar role from a reputable organization.
  
• Excellent research, analytical, and problem-solving skills.
  
• Entrepreneurial and Commercial thinking. Strong persuasion, management, presentation and communication skills.
  
• Excellent stakeholder management and organizational skills.
  
• Creative approach, with the ability to anticipate challenges and develop innovative solutions.
  
• Knowledge and ability to ensure good governance practices.
  
• Credit analysis skills and ability to develop credit reports
  

SME Business Growth & Market Development

• Drive SME business growth and market expansion by implementing business development initiatives aligned with the MSME strategy and growth plans.
  
• Increase revenue and portfolio activity through active marketing, cross‐selling of SME products and services, and driving transactional income.
  
• Strengthen market presence by identifying new business opportunities and collaborating with Regional, Branch, and Support teams to sustainably grow SME market share.
  

Client Relationship & Customer Experience Management

• Build and manage strong SME client relationships and pipelines to support departmental objectives and convert opportunities into long‐term, satisfied customers.
  
• Deliver exceptional customer experience by actively managing day‐to‐day engagements and advocating customer needs to ensure high service standards and lasting partnerships.
  

Portfolio Management & Credit Risk

• Oversight Ensure sound credit governance and compliance by adhering to SME underwriting standards, bank policies, and regulatory requirements while supporting credit reviews and facility recommendations.
  
• Safeguard portfolio quality and risk management through continuous monitoring of accounts, identification and mitigation of risks, and coordination of collateral requirements in line with procurement guidelines.
  

Product Penetration & Cross-Selling

• Identify and drive cross‐selling opportunities to increase wallet share and revenue per SME client,
  
• Support SME product knowledge enhancement for branch staff to strengthen product penetration and overall business growth.
  

Market Intelligence, Brand Strategy & Commercial

• Positioning Provide strategic market intelligence and manage SME Banking brand initiatives to strengthen market positioning, support informed decision‐making, and enhance overall business performance.