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Head SME

Closing: Jun 25, 2024

11 days remaining

Published: May 29, 2024 (17 days ago)

Job Requirements

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Job Summary

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Qualification & Experience

  • Bachelors degree in a business related course

  • At least 10 years experience in financial services with a focus on relationship management



Responsibilities

Qualification & Experience

  • Bachelors degree in a business related course

  • At least 10 years experience in financial services with a focus on relationship management



Business Performance

  • Put in place strategy and annually approved target market document with complete information on customer segmentation, target names, products, services, revenues and profitability.
  •  Utilize the customer segmentation to drive growth and sustainability of financials and revenues in conjunction with Head of Commercial Banking. 
  •  Prepare and deliver on approved budgets. 
  •  Agree individual annual and monthly targets with direct reports. 
  •  Identify and initiate business development activities to achieve the set targets. 
  •  Maximum NPL of 3% of portfolio and 1% of portfolio revenues. 
  •  Build and maintain productive relationships across units to support the delivery of the Unit’s goals. 
  •  Ensure all due incomes are duly booked and correctly recorded. 
  •  Track and maintain divisional performance records including sales tracker, deposits, risk assets, provisions, incomes, costs and all relevant performance indicators on a daily, weekly, monthly, quarterly and annual basis including reconciliation with financial control.

Relationship Management & Customer Service

  • Establish strong relationships with key customers business partners, Central Bank, Shareholders, local community etc. and leverage on this to gain a deeper insight of the business and develop the portfolio. 
  •  Achieve minimum of 5 products per customer and wallet share targets. 
  •  Achieve minimum customer satisfaction rating of ‘very satisfied’. 
  •  Deliver service within SLAs. 
  •  Own and monitor escalated customer and regulatory queries/complaints and resolutions process. 
  •  In-depth understanding of competitor activities, financial service trends and banking practices both nationally and internationally in order to continually stay ahead of the market in customer solutions. 
  •  Continuously feedback into the development of solutions based products development.

Risk, Governance & Control

  • Own and manage the unit’s strategic credit risks and governance issues in line with Group policy and procedures. 
  •  Work closely with Credit and Risk to monitor the credit portfolio of the unit, initiate proposals for new facilities or facility modifications and grow a healthy portfolio. 
  •  Pro-actively and timeously identify potential problems and formulate appropriate risk mitigating strategies. 
  •  Ensure own and Unit’s compliance to legal and regulatory banking requirements, audits and any other credit or governance directives. 
  •  Ensure adherence to all Group Policies and Procedures including; the CAP Manual, the Credit Policy Manual, Anti-Money Laundering policy and the Code of Business Ethics etc.

People Management

  • Selection, appraisal and performance of direct reports including delivery of all KPIs. 
  •  Maintain and develop a culture of high performance, mutual respect, values and reputation in the Unit. 
  •  Actively work with Head of Commercial Banking, to identify any operational and resource gaps (people, budget and equipment). 
  •  Understand and communicate clearly the business strategy of Commercial Banking and Unit in a manner that enables buy in of the Unit. 
  •  Implement at least one training per quarter for all staff. 
  •  Motivate and engage the team to deliver on the unit’s set targets. 
  •  Share knowledge and best practice with team members and other Unit head


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