Deadline of this Job: 31 December 2022
JOB DETAILS:Job Description
• Contribute to the overall risk management strategy of maintaining/ reducing the level of risk as business expands
• To manage the credit function efficiently and effectively in order to ensure that it is a profitable line of business and that the organization is not exposed to risk, maintaining a quality loan book.
• Credit policy formulation and review.
• Risk Management: Credit risk analysis and evaluation.
• Ensure compliance with credit policies and procedures.
• Ensure compliance to the agreed SLA/TAT for disbursement and other issues relating to both internal and external customers
• Monitoring and administration of credit performance through reports and returns from branches.
• Evaluation of customer needs and activities of the competition in liaison with marketing department and the branches with regard to Credit.
• Management Information System (MIS) including statutory returns to the Central Bank
• Relationship Management.
• Branch support and carry out inspection on credit/lending issues.
• Overall control of the lending book.
• Project relevant trends that affect the collectibles of the portfolio and isolate potential problem areas
• Monitor loan repayments globally and initiate/recommend course of action
• Ensuring that the security documentation and other necessary documentation are obtained and completed in all respects before draw down of the facility
• The initiating, setting up and maintaining of a system of lodgment and withdrawal of securities
• Any other duties that may be assigned to you from time to time by Management.
Skills
Education
• Bachelors Degree (B): Business (Required)
Job Experience: No Requirements
Deadline of this Job: 30 December 2022
JOB DETAILS:Job Purpose
To ensure the delivery of an express (virtual) sales and service function for Prestige/Executive, Private Clients in line with the overall Affluent and HNW Clients value proposition and objectives.
Responsibilities
Client
• Leads the implementation of the Affluent Express capability, related toolbox(es) and life journeys in country and customizes accordingly.
• Creates the operational environment in which Affluent Express will function including systems, processes, learning and development and people management.
• Retains a key focus on client relationships, client experience and operational efficiency.
• Implements and drives the agreed client value metrics in alignment with Affluent and HNW Clients segment requirements.
• Contributes to all segment migration review processes as required.
• Tracks and reports on adoption of the strategy and provides feedback to various domains and capabilities (including at client level).
• Provides subject matter expertise on all Affluent Express matters.
• Defines the iterative tactics required to improve onboarding and entrenchment.
• Measures and tracks the success of the tactics executed upon and understands what works and what does not.
• Leverages key partnerships to help drive Onboarding and Entrenchment capabilities.
• Provides input into marketing strategies and initiatives.
• Identifies client trends through internal and external insights, informs strategic choices and priorities by engaging with clients and leveraging client analytics.
• Stays abreast of market and competitive developments in order to provide innovative and value-added services to clients who are served by many renowned organisations.
• Applies mandates for concessionary pricing in order to retain relationship where the return is substantiated.
• Facilitates the flow of accurate insights and management information to give the business insight into customer profitability, segment performance and any other appropriate key business drivers.
• Provides input to Client Solutions teams in the development of new products and improvements to solve for the client need.
• Applies appropriate tools and methods that enable the front line to deliver on customer demand, taking into account a holistic view of a customer’s interaction with the bank (e.g., SalesForce).
• Collaborates with Marketing to design appropriate material for both internal and external distribution, ensuring messaging is consistent, clear and conforms to the brand envisioned.
Financial Management
• Ensures the delivery of all financial and non-financial outcomes for Affluent Express.
• Provides input and guidance on revenue leakage, revenue optimization, revenue mix and performance metrics.
• Monitors and tracks actual against expected deliverables and prepares appropriate recommendations.
• Identifies interventions to optimize portfolio returns (above designed return) through effective and conscious engagement of profit levers (NII, NIR, NIR, Costs, and Credit Loss Ratio (CLR) and challenging status-quo / existing interpretations.
• Identifies and reviews non-profitable customers and puts measures in place to improve profitability either by improving product penetration or by reducing cost to serve.
Data
• Provides advice and recommendations on best practices.
• Ensures data captured is complete and accurate, along with measurement principles to determine adherence.
• Supports and sponsors campaigns to achieve the intended targets and outcomes.
Risk, Regulatory Prudential guidelines
• Accountable for risk management and adherence to all governance standards for the continued sustainability of Affluent Express.
• Provides input into the risk appetite framework.
• Adheres to the necessary governance frameworks needed in Affluent Express as the “first line of defence”.
• Facilitates outcomes with key risk stakeholders to mitigate risk all the while balancing client experience for the affluent segment.
People
• Sets the example and leads the team in line with the Group’s leadership identity, core values and People Promise.
• Enables integrated ways of working and collaboration across the value chain to deliver for the client.
• Inspires the team to deliver on the Group’s shared purpose and instilling a culture which enables the Group to evolve into a client led platform organisation.
• Ensures alignment to the People and Culture standards with regards to all employee-related matters.
• Provides input into talent strategy developed by People and Culture.
• Identifies current and potential employee skill requirements in consultation with the People and Culture function.
• Creates a culture of high performing employees across geographies and ensure employees remain in engaged in the work environment.
Qualifications
• Bachelor's degree or equivalent experience
• Microsoft Office (Outlook, Excel, Word, PowerPoint, etc.) Organized
• Strong leadership skills
Deadline of this Job: 19 December 2022
JOB DETAILS:Duties & Responsibilities
• Implementing the Bank’s deposit mobilization strategy at branch level including growth in customer base and in assets.
• Formulating and implementing liabilities plans, forecasts and budgets and ensuring controls and periodic reviews.
• Supporting marketing initiatives at the branch level, monitoring and providing regular feedback on products performance.
• Grow and manage overall bank corporate and institution banking customer portfolio to maximize business
• Continually recommend improvements and adaptations to existing systems, processes, and structures in order to ensure current and future viability of the relationships.
• Pro-actively managing and developing effective client relationships while identifying and providing solutions to meet clients’ needs.
• Grow Rafiki bank wholesale/HNI portfolio profitability through utilization of available multichannel delivery strategies e.g. technology banking and agency banking.
• Prospect for new to HNI clients in conjunction and offer innovative and customized banking solutions.
• Maintenance of a healthy business environment by ensuring compliance with both internal and external regulatory requirements.
Key Performance measures
• Deposits growth
• Products update
• Customer satisfaction index
• Institutions/HNI customer’s on boarded.
• Number of MOU’s/partnerships closed
• No of accounts opened
• Compliance levels
Key Competencies, Skills, Qualifications and Experience
• Bachelor’s degree in Business related Field
• 5-6 Years working experience in banking preferably in relationship/transaction banking.
• Proficiency in Microsoft Office Suite.
• Leadership and assertive skills
• Customer service orientation
• Negotiation and persuasion skills
• Strong interpersonal skills.
• Organizing skills.
• Problem analysis and problem solving skills.
• Decision Making Skills.
• Honesty and integrity