JOB DETAILS:

To manage existing relationships effectively so as to facilitate the growth of the Employee Banking liability and asset growth portfolio within Personal Markets.

Key responsibilities

Sales Management

• Support sales staff to acquire profitable and quality business from the key companies in the portfolio.
• Work with Branches and Regional managers to cross sell all the relevant bank products (assets, liabilities, payroll etc.) in the allocated companies.
• Fully exploit the existing customer relationships to create new profitable business opportunities.
• Work closely with SME and Corporate Banking teams in building relationships with some of the key companies in the portfolio.
• Work with branch managers and employers to organize different sales activities/activations at key companies for the sales staff to gain access to the employees of the target companies.
• Support some applications that may require exceptional approval for some reason like suspended schemes.
• Identify opportunities in non-empaneled companies and empanel them as per the approved company empanelment process to drive penetration
• Work with products team in the development and execution of initiatives for the acquisition, retention and growth of target customer bases for liabilities and assets.

Portfolio Management

• Monitor on a day to day basis delinquent customers (1-29 days) and work with branches and companies to establish why they are delinquent.
• Track First Instalment Defaults (FIDs) and work through branch managers and regional managers to ensure resolution.
• Ensure salaries have come through and advise the credit team where there are delays as per the expected salary dates
• Follow up on the missed salaries and ensure resolution by the companies and provide feedback to credit in case of terminations, resignations, deaths, deletions etc.
• Work with credit to align instalment due dates that are not aligned to employer payroll dates.
• Ensure salary diversions, resignations, death cases are followed up and resolved or escalated to the credit team.
• Ensure readiness for the monthly portfolio review meetings and any reports are submitted to credit in time.
• Ensure all loans are properly tracked under right employer codes and address the ungrouped/wrongly grouped loans from proper tracking.
• Advice business on companies which exhibit high risk policies and practices hence control and manage risk.

Service

• Visit key companies to identify their needs, receive feedback and provide appropriate solutions within our value proposition

• Escalate service issues within companies in the allocated portfolio (i.e. salary delays, double deductions, wrong profiling, interest rates) to the appropriate departments
• Continuously monitor the performance of the companies for timely management of credit limits, expirations and renewals

Required Qualifications and Skills

Bachelor of Commerce /BBA/Marketing or a Business related degree from a reputable University.

Additional Requirements/Competencies

• At least 4 years’ practical sales and credit experience with proven results
• Management experience of individual projects and project portfolio ideally working with Financial Services.
• Strong interpersonal skills and a good team player.
• Good business acumen
• Great leadership and Communication skills
• Willingness to travel for stakeholder meetings, regulatory consultations, and operational reviews as needed.
• High ethical standards and a commitment to the values of the Bank.
• Utmost professional integrity.