Career Opportunities

1. Receive regional business targets and appropriately cascade and communicate them to the teams. Lead and support the teams in designing appropriate strategies for the achievement of allocated targets and monitor performance on targets and initiate corrective action where necessary.
2. Lead and drive any market initiatives and projects of the bank. Continuously promote the bank’s products, and prospect to drive new business acquisition, while fostering growth of existing accounts to achieve allocated business targets. Plan and Implement appropriate customer visits, and utilize all appropriate communication avenues to cultivate rich and productive customer relations for business growth and retention
3. Orchestrate a culture of customer service excellence in the region to gain competitive advantage. Maintain communication channels for customers, provide information to meet their needs and escalate where appropriate
4. Monitor and report on competitor activities, evolving market conditions and provide any other data that can sharpen market intelligence and provide business insight to management for appropriate responses.
5. Monitor and drive branch- by-branch profitability of the branches in your region. Monitor branch-by-branch Non-Performing-Assets (NPA) ratios, and take corrective action where necessary
6. Initiate a branch-driven budget formulation process, to compile and provide an overall regional budget. Work with the leadership in the teams to ensure regional budget discipline.
7. Foster a culture of operational discipline and conformity to bank regulations and procedures in the region. Ensure the timely resolution of any audit findings in the branches in your region and drive policy, procedure and risk awareness in your region.
8. Continuously explore new opportunities for regional synergies
9. Take charge of regional staff performance planning, monitoring, coaching and appraisal. Foster a rewarding work environment and build team motivation and team performance. Provide input for learning and development interventions and other HR systems
10. Compile and submit regular business reports on key business areas of your region that may be required by management.
11. Perform any other duties that may be assigned to you from time to time.

Financial 

• Deposits (Growth)
• Net growth in CASA deposits should be >20%
• FDR - 5%

Loans (Growth)

• Net growth in SME credit book should be > 30%
• Net growth in Retail credit book should be > 30%
• 4 SME loan disbursements per branch per month with average deal ticket of 150m per week
• 8 Retail loan disbursements per branch per month with average deal ticket of 50m per week

Off Bal (Guarantees & LCs)

• Off balance Credit book growth (Guarantees and LCs)  should be >30%
• No. of guarantees issued per branch per month (min. of 2 guarantees)

Accounts

• Net growth in active deposit accounts should be >20%
• Growth in FX income by 17%
• Growth in Digital income by 20%
• Grow Bank Assurance income by 20%
• Grow Trade Finance (Operational & credit related) by 20%
• Grow Branch operational Fees & Commision income by 10%
• Grow Net Interest Income by 20%

Customer

• Share of active customers using e-channels should be >80% (IB,MW & CARD)
• Share of active customers equipped on e-channels should be >80% (IB,MW & CARD)
• Agent & Merchant banking activity rate (28 active agents & 10 active Merchants per branch)
• Improve sales and productivity on product uptake (Avg. 3 products per active customer)
• Branch Customer service index - 90%

Processes

• Sales & marketing events (Min of 2 scheme activations per week and 8 documented SME client visits per week per branch)
• Audit/Risk/Compliance issue resolution rate - 90%
• % of Audit/Risk/Compliance issues outstanding for > 3 months
• Portfolio at risk of credit book (PAR 30 days) should be < 5%

People

• Completed monthly appraisal &Performance tools within Deadline
• Regretable Staff Turn over
• Branch Staff trainings (min. of 1 per quarter)

• Education: A University degree preferably in business, marketing, finance or banking. A related professional, or other related post-graduate qualification in business.
• Experience: A minimum of 5 years’ relevant experience in banking, 2 of which should be at Supervisory level.
• Technical and Soft Skills: Strong track record in Direct Selling, Sales Management and Relationship Management; Solid grasp and interpretation of industrial and national economic trends; Strong strategic and conceptual skills; Leadership and team management skills; Customer centricity, with a strong appreciation for client behaviour; Solid business acumen and financial skills; Solid and proven credit risk management; Strong decision-making, conflict resolution and problem solving skills; Very strong presentation, verbal and written communication skills; Team player with strong interpersonal skills and the ability to build internal and external networks and Ability to work under pressure, and exercise excellent judgment.