Relationship Manager-SME

Qualifications, Experience & Competencies

• Bachelor’s degree in business administration, finance, or a related field.
  
• At least 6 years’ work experience in SME segment or similar role.
  
• Knowledge of organizational effectiveness and operations management.
  
• Experience in budgeting and forecasting.
  

Business Development

• Participate in the development of the annual and quarterly financial plans and budgets for the Branch.
  
• Management of borrowing and non-borrowing customers in the branch to enhance customer loyalty, mitigate against loss and enhance increased business.
  
• Regularly review strategic initiatives of the branch/segments with a view to take appropriate action.
  
• Direct the overall effort of the segments in growing business in optimum proportions so as to achieve set targets.
  
• Develop and deepen relationships with existing and potential customers. Identify and disseminate market opportunities and information to guide business development efforts and product development.
  
• Spearhead/ conduct regular business visits both to clients of the Bank, prospects, and branch/affiliates of the Bank.
  
• Maintain a sustainable, profitable, and high-quality balance sheet.
  
• Cost management –enforce cost optimization of the resources.
  
• Continuously review customer value propositions for various customer segments
  

Market & Customer Service

• Collaborate and coordinate the development and the implementation of the sales initiatives with other branch business stakeholders.
  
• Continuously conduct and advise market intelligence to identify new markets customer trends, branch government directives and changes in the policy.
  
• Act as the Banks's brand ambassador.
  
• Participate in development & execution of strategies that build the Equity brand and endear it to its chosen markets.
  
• Coordinate Branch marketing initiatives
  
• Originate, build and sustain strategic business partnerships.
  
• Position Equity Bank Kenya as a preferred Bank.
  
• Ensure full adherence to the Bank’s customer service chatter.
  
• Increase market share in line with strategic ambitions and in a profitable, ethical and sustainable manner.
  

Audit Risk & Compliance

• Ensuring the quality of the loan book in the various segments within the branch is within expected standards.
  
• Participates in Branch Credit Committee as per policy.
  
• Ensure adherence of policies and procedures from regulatory authorities, Equity bank and other stakeholders.
  
• Put in place effective Business Continuity plan for various segment.
  
• Ensure audit and risk rating for the Branch improves and is within set thresholds as per the key performance indicators communicated sometimes.
  
• Communicate and articulate the Bank’s risk and control environment to the unit staff and ensure good appreciation of the same.
  

People Management

• Harness existing and create new competencies in order to achieve competitive advantage.
  
• Maintain the appropriate number and caliber human resource to deliver exceptional service, achieve targets and maximize the business' efficiency and effectiveness.
  
• Manage succession at segments levels and strive to have competent successors for every key position in the branch with the aim of efficient business continuity and cost management.
  
• Mentor and coach staff to build their capacity to perform the roles assigned to them.
  
• Provide career guidance and avail learning opportunities and assignments to enhance engagement and career progression.
  
• Maintain high morale and motivated staff in the branch.
  
• Set performance expectations and conduct performance management evaluations promptly to ensure superior performance levels are maintained.
  
• Adhere to HR policies in the management of employees.
  

Performance & Reporting

• Optimize the use of the Bank’s Management Information System for performance management.
  
• Ensure optimum segmentation of the Bank’s client database and targeted marketing on the various business segment.
  
• Timely submission of reports to key stakeholders to aid in decision making.