Head of Personal Banking

Strategy Development

• Developing a detailed strategy that will ensure that business targets are met in accordance with the Department’s annual performance plans.
  

Business Development

• Effectively executing all the agreed business development and growth strategies in accordance with the long, medium and short-term plans of the Bank and as set by the Retail Banking Director. This will be done through active portfolio management and development by maintaining & growing existing income sources and meeting set targets for new business.
  
• Develop and lead the implementation of the Personal Banking Segment strategy in line with the overall Retail Banking Strategy; to ensure achievement of profitability targets through revenue maximization and prudent cost management. ·
  
• Drive sustainable growth and acquisition of new customers for the Personal Banking through the creation, development and maintenance of high-quality advisory relationships.
  
• To build and maintain productive and strategic relations with customers / suppliers / line manager / stakeholders to drive the development and delivery of business solutions and revenue growth for the Personal Banking Segment
  
• Champion the delivery of consistent, seamless and trusted customer service to ensure customer retention and loyalty.
  
• Champion the delivery of consistent, seamless and trusted customer service to ensure customer retention and loyalty.
  
• Facilitate training programs to enhance product knowledge to the Retail Banking teams, branch staff and sales teams on Personal Banking products.
  
• To build and maintain productive and strategic relations with customers / suppliers / line manager / stakeholders to drive the development and delivery of business solutions and revenue growth for the Personal Banking Segment.
  

Credit Management

• A key accountability of the overall Personal Banking portfolio is to build a high-quality client portfolio by effectively managing clients across the entire financing cycle.
  
• Ensure timely submission of quality credit proposals in conformity with the Credit Policy guidelines and requirements whilst maintaining the quality of the Personal Banking portfolio within the stipulated Non-Performing Loans (NPL) and Portfolio at Risk (PAR) parameters.
  
• Ensure compliance to the Bank’s policies, procedures and regulatory requirements.
  

Performance Management

• Ability to set appropriate targets and work towards achieving these targets to meet the overall strategy of the Bank.
  
• Set stretched targets and impose a high personal standard
  
• Recognize the necessity for urgency to achieve results and commit to achieving results
  
• Take immediate corrective action to deal with missed goals
  
• Benchmark performance against competition; set and measure stretching goals
  
• Monitor the progress of activities to ensure business goals are met and share results and experiences with team members and colleagues
  

• University degree in a business-related field.

• Professional Qualifications in Accountancy and or credit

• Master’s degree in a business-related field will be an added advantage

• At least 10 years banking experience in Personal Banking Environment or related businesses