Head SME at Ecobank Kenya Jobs In Kenya
Job Description
Business Performance
- Put in place strategy and annually approved target market document with complete information on customer segmentation, target names, products, services, revenues and profitability.
- Utilize the customer segmentation to drive growth and sustainability of financials and revenues in conjunction with Head of Commercial Banking.
- Prepare and deliver on approved budgets.
- Agree individual annual and monthly targets with direct reports.
- Identify and initiate business development activities to achieve the set targets.
- Maximum NPL of 3% of portfolio and 1% of portfolio revenues.
- Build and maintain productive relationships across units to support the delivery of the Unit’s goals.
- Ensure all due incomes are duly booked and correctly recorded.
- Track and maintain divisional performance records including sales tracker, deposits, risk assets, provisions, incomes, costs and all relevant performance indicators on a daily, weekly, monthly, quarterly and annual basis including reconciliation with financial control.
Relationship Management & Customer Service
- Establish strong relationships with key customers business partners, Central Bank, Shareholders, local community etc. and leverage on this to gain a deeper insight of the business and develop the portfolio.
- Achieve minimum of 5 products per customer and wallet share targets.
- Achieve minimum customer satisfaction rating of ‘very satisfied’.
- Deliver service within SLAs.
- Own and monitor escalated customer and regulatory queries/complaints and resolutions process.
- In-depth understanding of competitor activities, financial service trends and banking practices both nationally and internationally in order to continually stay ahead of the market in customer solutions.
- Continuously feedback into the development of solutions based products development.
Risk, Governance & Control
- Own and manage the unit’s strategic credit risks and governance issues in line with Group policy and procedures.
- Work closely with Credit and Risk to monitor the credit portfolio of the unit, initiate proposals for new facilities or facility modifications and grow a healthy portfolio.
- Pro-actively and timeously identify potential problems and formulate appropriate risk mitigating strategies.
- Ensure own and Unit’s compliance to legal and regulatory banking requirements, audits and any other credit or governance directives.
- Ensure adherence to all Group Policies and Procedures including; the CAP Manual, the Credit Policy Manual, Anti-Money Laundering policy and the Code of Business Ethics etc.
People Management
- Selection, appraisal and performance of direct reports including delivery of all KPIs.
- Maintain and develop a culture of high performance, mutual respect, values and reputation in the Unit.
- Actively work with Head of Commercial Banking, to identify any operational and resource gaps (people, budget and equipment).
- Understand and communicate clearly the business strategy of Commercial Banking and Unit in a manner that enables buy in of the Unit.
- Implement at least one training per quarter for all staff.
- Motivate and engage the team to deliver on the unit’s set targets.
- Share knowledge and best practice with team members and other Unit head
Qualification & Experience
Bachelors degree in a business related course
At least 10 years experience in financial services with a focus on relationship management