Head of SME Business

Qualifications & Experience

• Bachelor’s degree in Business, Finance, Economics, or a related field
  
• Master’s degree is an added advantage
  
• Minimum 7–10 years’ experience in SME banking or business development
  
• Proven track record in lending, sales, and portfolio management
  
• Experience managing and leading sales teams
  

SME Client Acquisition & Lending Growth

• Drive acquisition and onboarding of SME and MSME clients.
  
• Deliver SME and MSME lending disbursement targets.
  
• Build and manage a strong pipeline and improve conversion rates.
  

Portfolio Productivity & Revenue Optimisation

• Manage average loan size and yield to ensure profitability.
  
• Drive utilisation of approved credit limits.
  
• Ensure sustainable and quality growth of the SME loan book.
  

Deposits Mobilisation & Liability Growth

• Deliver net deposit growth targets across SME customers.
  
• Increase proportion of low-cost deposits (CASA).
  
• Optimise cost of funds on SME deposits.
  
• Drive fee income from SME transactional banking activities.
  

Portfolio Quality & Risk Management

• Maintain portfolio quality within acceptable thresholds.
  
• Ensure early identification and resolution of arrears.
  
• Uphold strong credit underwriting, monitoring, and reporting standards.
  
• Ensure compliance with internal policies and regulatory requirements.
  

Market Intelligence & Business Strategy

• Monitor SME market trends, customer needs, and competitor activity.
  
• Provide input into product development and commercial strategy.
  

Sales Leadership & Team Management

• Lead SME sales teams to achieve aggregated targets.
  
• Drive staff productivity (business per staff).
  
• Conduct performance management, coaching, and development.
  
• Maintain acceptable attrition levels and succession planning.