Job Summary

• To Manager and sustain relationship of La Riba Business Banking customers, building long-term relationships founded on efficient and reliable support for their business. This is achieved particularly through quick risk decisions and managing consistency and quality of operational service.
• The primary objective is to maximize sustainable risk-adjusted / EP portfolio contribution.
• The jobholder will additionally be responsible for business development both with new customers and with his/her existing portfolio.

Job Description

Main accountabilities and approximate time split.

Sales and Service: Time split 70%

• Conduct an annual review of customers’ borrowing facilities (and interim review if customer circumstances [risk profile] dictate).
• Consult customer owners/managers on financial/credit issues and general business practices/ideas.
• Determine the key messages, e.g. agreed service standards, negotiated pricing, relationship team contact points (including introductions to new personnel), and new product changes. Calculating the most appropriate means of communicating them to customers.
• Deal with, and find resolutions for, customer complaints.
• Determine the appropriate La Riba products that are most effective in meeting customers' needs and be able to sell these, at short notice, both reactively and proactively.
• Plan and coordinate any marketing approaches for new business and actively develop existing relationships. Coordinate approaches to the portfolio by businesses across the Group.
• Monitor and ensure adherence to risk service standards.

Business Management:- 30%

• Research, create and follow up on a La Riba target list for potential new business.
• Identify priority La Riba customers using the Customer Prioritization Guidelines to assess their present and potential contribution.
• Gather all the required information that is needed to prepare and assess credit applications. The role holder will be expected to input certain key information such as judgmental information (They will work closely with La Riba team,SME Credit & Product specialists)
• Monitor and control the quality of the portfolio using “Condition of Sanction” triggers where possible and in accordance with RM guidelines and Bank policy.
• Manage “Early Warning List” customers to reduce risk, following H.O. and Regional guidance provided.
• Adhere to procedures and guidelines within the BB RMCD.

Technical skills / Competencies

Personal Attributes:

• Delivering and meeting customers’ needs                                                         
• Managing relationships                                                        
• Personal organization                                                            
• Planning and organizing                                                                      
• Adaptability                                                                        
• Working with others
• Decisiveness and initiating action
• Active listening
• Analytical thinking
• Judgment
• Entrepreneurial thinking

Skills required to undertake the role:

• Relationship skills
• Risk skills
• General Corporate skills
• Leadership and team skills
• Product skills
• Communication skills
• Delivering Results and meeting customer expectations
• Deciding and initiating action
• Relating and networking
• Planning and organizing
• Persuading and influencing
• Working with people
• Applying expertise and technology
• Entrepreneurial  thinking
• Coaching

Knowledge of the bank’s products, services, and policies required to undertake the role:

• The job holder will be required to have a detailed knowledge of the core set of Business Banking products.
• For Complex La Riba products and concepts,, good knowledge will be required sufficiently to:-
  • Recognize the changing needs of the customer.
  • Identify La Riba products/service that best satisfies customers' need.
  • Introduce the product/service.
  • Coordinate the introduction of the relevant Group product specialist.
  • Deal with customers directly as required.
• A good knowledge of the La Riba products & services available in the Personal Sector is also required to satisfy the individual financial needs of business owners/key individuals.
• The job holder will require a broad understanding of policies and strategies across the Group as they relate to the demands of the customer base.

Knowledge, Expertise, and Experience

Mandatory

Must have good knowledge on:-

• Business Banking,
• Islamic Banking knowledge
• Shariah compliance products
• Customer relationship management
• Team management
• 5 years experience in sales  and 3 years in relationship management

Education

• National Diplomas and Advanced Certificates: Business, Commerce and Management Studies (Required)

Job Summary

• To drive Islamic Banking in Region/Cluster by delivering high-quality support to Businesses, by providing specialized expertise in product development, Shariah compliance, and sales strategies and driving ecosystem relationships across the business. Proactively manage the penetration of the Islamic banking proposition for ABSA bank as a market leader with a strong customer base in the Region/Cluster.
• The role holder is expected to work with the Business head/Unit and implement the overall Islamic Banking business strategy for the region. Act as the main point of contact for all Islamic Banking support in the region and work with all stakeholders to deliver Business growth and market share of Islamic Banking in the region.

Job Description

Main accountabilities and approximate time split.

Strategy and Leadership: Time split 60%

• Build and develop high performing team by driving high sustainable performance and offering unique solutions for the proposition in the Cluster/Region
• Develop winning strategies that will help the bank penetrate the market faster and remain competitive in Region/Cluster assigned
• Delivering excellence in sales and developing new leads from outside the Bank
• Conduct road shows endorsed by the Shariah Advisory Board to promote Islamic Banking products
• Using the existing network to maximize sales to Bank customers and maintaining a leads database
•  Performing to plans as agreed, to drive profitability and increase market share.
• Review of customer base to identify and exploit opportunities through the design and implementation of new La Riba products and services
• Hosting customer forums to enhance awareness about Islamic products to ensure maximum benefits are achieved.
•  Identifying issues and escalating appropriately.
• Training and development, coaching of staff to ensure broad awareness of Islamic banking products

Service and Customer Relationship Management: Time split 30%

• Arrange for Islamic Banking customer forums to obtain feedback on products and Services in the region/Cluster
•  Managing and leading customer and alliance partner relationships in the Cluster/Region
• Working in close cooperation with other Business Teams, to provide a world-class La Riba offering to customer groups
•  Build relationships with internal stakeholders & service providers in assigned region
• Research, create and follow up on a La Riba target list for potential new business.

Products Development: Time split 10%

• Identify opportunities for new product development and enhancement in line with the Emerging Markets Consumer strategy.
• Guide the development of all Islamic Banking products using the appropriate Islamic Finance instrument
• Ensure balance sheet and income targets are met for the Islamic Banking proposition in the Cluster/Region in your responsibility
•  Contribute ideas for alternative product strategies to manage the mix of Assets and Liabilities.
•  Monitor and provide feedback on Islamic banks’ product activity, strategy, and pricing

Technical skills / Competencies

Personal Attributes:

• Team player
•  Development of excellent communication skills, external and internal
•  Sales and customer relationship management
•  Detailed knowledge of Absa Retail & business banking products strategy
•  Detailed knowledge of Muslim banking culture
•  Knowledge of the Islamic Banks' competitor landscape & processes
•  Understanding of Shariah Law, Shariah Board, and Shariah Audits
• Knowledge of Islamic Financial instruments.                                                         

Skills required to undertake the role:

• Relationship skills
• Strong numeracy and analysis
• Excellent sales and relationship management skills
• Strong communication skills
• External stakeholder management
• Leadership and team management skills
• Negotiation and influencing
• Sound IT proficiency, in MS Office, especially Word and Excel (spreadsheet building)
• Knowledge of Islamic products and proposition

Knowledge & Education

Education:

• Business degree

Education

• Bachelors Degree and Professional Qualifications: Business, Commerce and Management Studies (Required)