Knowledge; Skills and Experience required for this Role**

• University Degree preferably in a business-related field.

• 2 – 5 years banking experience with proven track record in establishment and management of relationships.

Competencies required for this Role**

• Strong sales and negotiation skills

• Delivering results and meeting customer expectations

• Entrepreneurial and commercial thinking

• Deciding and initiating action

• Relating and networking

• Persuading and influencing

• Presenting and communicating information

• Leading and supervising

• Planning and organizing

Sales & Business Development 40%**

• Proactively sell and cross-sell the Bank full range of products (accounts, loans, cards insurance, digital solutions etc.) to both SME and Retail

• Develop and manage a robust pipeline of prospects through active fieldwork, networking, referrals and digital channels.

• Achieve set sales and revenue targets for deposits, loans and non-funded income.

• Conduct needs analysis to match customer financial goals with suitable Bank solutions.

• To monitor performance reports for the branch sales performance and bank products.

• To grow the bank's market share and Non-Funded Income for the specific retail & business segment(s).

• To initiate, sponsor and champion new branch activations, product launches, internal and external campaigns and CASA related events

Relationship Management 30%****

• Maintain regular contact with existing customers to ensure satisfaction, resolve complaints promptly, and identify opportunities for up-selling and cross-selling.

• Serve as the primary relationship contact for the assigned SME and Retail clients, providing tailored financial advice and solutions.

• Deepen relationship by promoting digital adoption and increasing product penetration per customer.

Customer experience 10%****

• Deliver consistent, high quality service experience across all customer touchpoints.

• Ensure all customer requests, enquiries and issues are resolved within the set SLA.

• Promote self-service and digital banking usage among customers.

Risk & Compliance:****

• To maintain operational risk management guidelines to ensure compliance standards are consistently met.

• Strictly adhere to the prudential guidelines - KYC, AML and compliance requirements in all customer interactions.

• To continuously review business operational policies and procedures to ensure adherence.

• Monitoring the branch portfolio at risk (PAR) to be within the accepted bank standards. Ensure accuracy and completeness during credit assessment.

Market Intelligence:**

• Monitor competitor activity, customer trends and emerging opportunities in the SME and salaried segments.

• Provide timely reports on sales performance, market insights and customer feedback to management.

• Safeguard and promote the bank’s image with the public.