Closing: May 10, 2024
This position has expiredPublished: May 7, 2024 (13 days ago)
Job Requirements
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Job Summary
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Preferred Qualification
- Degree from a Recognized University
Essential
- Detailed knowledge of the Core set products
- For Complex products, will have a detailed knowledge of the requirements of the more sophisticated customers.
- Introduce the product and co-ordinate the introduction of the relevant Group product specialist.
- A good knowledge of the products and services available in the SME/Local Business Sector is also required.
- A broad understanding of policies and strategies within the country as they relate to the demands of the customer base.
- Detail understanding of Country and CBRM guidelines and credit risk policies.
- Ability to negotiate/influence at senior level.
Preferred
- Knowledge of the Absa Africa & Middle East Change Governance Framework
- Solid understanding of value-based management principles
Responsibilities
Preferred Qualification
- Degree from a Recognized University
Essential
- Detailed knowledge of the Core set products
- For Complex products, will have a detailed knowledge of the requirements of the more sophisticated customers.
- Introduce the product and co-ordinate the introduction of the relevant Group product specialist.
- A good knowledge of the products and services available in the SME/Local Business Sector is also required.
- A broad understanding of policies and strategies within the country as they relate to the demands of the customer base.
- Detail understanding of Country and CBRM guidelines and credit risk policies.
- Ability to negotiate/influence at senior level.
Preferred
- Knowledge of the Absa Africa & Middle East Change Governance Framework
- Solid understanding of value-based management principles
Sales and Service (40%)
- Grow the SME team’s portfolio profitability by identifying new and existing customer potential including sales opportunities and new product promotion initiatives.
- Formulate business development strategies and objectives for the industry to meet changing market needs
- Monitor conformance of industry team using new relationship development procedures
- Monitor results of customer surveys for the industry against target service quality standards
- Monitor levels of complaints and quality of handling for the industry portfolio
- Proactively research competitive threats/opportunities within the team’s market and geographical area.
- Communicate all key messages to customers including agreed service standards, negotiated pricing, relationship team contact points (including introductions to new personnel) and new product changes
- Conduct annual and if appropriate, interim reviews of customers borrowing facilities
- Conduct annual and if appropriate, interim reviews with non-borrowing customers
- Determine the products that are most effective in meeting customers’ needs and be able to sell these at short notice both reactively and proactively
Business Management (30%)
- Manage performance of the industry team against key financial (risk-adjusted contribution) sales, service and operational targets.
- Champion, manage and monitor implementation of change impacting the SME team and arising from central and local Commercial change programmes
- Consult customer owners/managers on financial/ credit issues and general business practice/ideas.
- Work closely with the Head of Business Banking & SME in driving and delivering business performance in the country
- Research, create and follow up on a target list for potential new business
- Identify priority customers using the Customer Relationship Planning templates to assess their present and potential contribution.
- Control the quality of the portfolio, using available triggers and adherence to Risk management guidelines and policies.
Staff Management (30%)
- Lead the Area Managers and RMs within the SME team using a team- based management approach.
- Help team members to identify strengths and weakness in their own skills and attributes, review their self-development plans and ensure training and development needs are accommodated.
- Coach team members on relationship development, service quality and risk
- Assess managers on performance against contract. Review and input Performance Development Reviews.
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