Job Purpose: Responsible for driving credit origination, profitability, and growth of Tier 1 SME relationships. The incumbent will provide leadership to other SME Relationship Managers, ensuring effective portfolio management, a strong sales culture, and first-class customer experience in line with the Bank’s strategic objectives for the MSME segment.

Main Responsibilities:

• Credit Origination: Identify, evaluate, and originate Tier 1 SME lending opportunities, ensuring credit quality and alignment with the Bank’s risk appetite.
• Portfolio Growth & Profitability: Grow and oversee Tier 1 SME liability and asset portfolios, monitoring performance to maintain profitability and competitiveness.
• Leadership & Mentorship: Lead, coach, and develop SME Relationship Managers by setting performance targets, conducting regular feedback sessions, and fostering a high-performance culture.
• Sales Strategy Execution: Collaborate with the Business Leadership to translate strategic goals into actionable sales plans, track performance, and implement corrective measures where needed.
• Customer Experience Management: Address client inquiries promptly, resolve complaints effectively, and champion service improvements that elevate Net Promoter Scores (NPS) and reduce Customer Effort Scores (CES).
• Partnership Building: Cultivate and maintain strong relationships with relevant stakeholders, including internal teams and external partners, to support business growth and deliver tailored solutions.
• Product & Proposition Development: Provide market insights and feedback to shape MSME banking products, ensuring offerings meet the evolving needs of Tier 1 SME clients.
• Risk & Compliance: Conduct regular reviews of credit facilities, uphold regulatory guidelines, and enforce internal risk management practices across the SME portfolio.
• Cross-Functional Collaboration: Liaise with Credit, Operations, and other departments for efficient loan processing and seamless customer experiences.
• Performance Reporting: Prepare and present periodic reports on credit origination, portfolio growth, and service enhancements to inform strategic decisions and drive continuous improvement.

Educational qualifications and work experience:

• Possession of Professional Qualifications in banking is an added advantage.
• Minimum Five (5) years of experience.
• Team Leadership, Sales, Relationship Management, Credit, and general banking

• Credit Origination: Identify, evaluate, and originate Tier 1 SME lending opportunities...
• Portfolio Growth & Profitability: Grow and oversee Tier 1 SME liability and asset portfolios...
• Leadership & Mentorship: Lead, coach, and develop SME Relationship Managers...
• Sales Strategy Execution: Collaborate with the Business Leadership to translate strategic goals...
• Customer Experience Management: Address client inquiries promptly, resolve complaints effectively...
• Partnership Building: Cultivate and maintain strong relationships with relevant stakeholders...
• Product & Proposition Development: Provide market insights and feedback to shape MSME banking products...
• Risk & Compliance: Conduct regular reviews of credit facilities, uphold regulatory guidelines...
• Cross-Functional Collaboration: Liaise with Credit, Operations, and other departments for efficient loan processing...
• Performance Reporting: Prepare and present periodic reports on credit origination, portfolio growth...

• Possession of Professional Qualifications in banking is an added advantage...
• Minimum Five (5) years of experience...
• Team Leadership, Sales, Relationship Management, Credit, and general banking...