2 Relationship Manager: SME Banking
2025-06-20T18:30:01+00:00
I&M Bank (T) Limited
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FULL_TIME
Dar es Salaam
Dar es Salaam
00000
Tanzania
Banking
Management
2025-06-27T17:00:00+00:00
Tanzania
8
Job Purpose
• Build and maintain relationships within the SME banking portfolio to nurture clients, expand the customer base, and achieve sales, revenue, and customer satisfaction targets.
• Drive new-to-bank acquisitions and retention through transactional products and effective client management, ensuring efficient product delivery and timely decisions.
• Serve as the Single Point of Contact, managing and deepening client relationships to address their comprehensive banking and financial needs.
• Develop business with new and existing customers to increase wallet share and sustain the SME portfolio.
• Ensure revenue growth and diversification while meeting balance sheet and P&L targets.
• Lead the development and implementation of the SME Banking Customer Value Proposition (CVP), supporting Retail, Digital, and Corporate Banking leadership with product concepts and market alignment.
Key area Responsibilities/Duties/Tasks
Driving Business growth
• Lead the strategic direction, development, and implementation of business strategies to drive growth, profitability, and sustainability of the SME and Business Banking portfolio.
• Expand portfolio activity through proactive customer engagement and visitations.
• Research and maintain a database of potential new customers.
• Translate SME Banking strategies into actionable plans in collaboration with the branch network team.
• Drive business performance against KPIs, focusing on balance sheet growth, sales, revenue, credit quality, customer experience, and risk control.
• Define and implement growth strategies with branch management to meet targets.
• Regularly report segment performance to senior management and adjust strategies to meet goals.
• Provide qualified referrals to product specialists for cross-selling treasury, trade, credit, and other services; manage parent relationships.
• Monitor borrowing account performance and coordinate required actions with Unit Head.
• Understand local business drivers affecting segment performance.
• Analyze competitor products and recommend improvements to product teams.
• Identify business improvement opportunities and advise Head of Products on service, product, and branch network adjustments.
• Analyze branch network data to inform SME Banking strategy for short, medium, and long terms.
• Develop new product ideas into viable business cases and proposals.
• Monitor financial data to identify issues, ensure covenant compliance, and maintain asset quality at acceptable NPA levels.
Relationship and Customer Service Management
• Ensure retention of deposits at a competitive level in consideration of optimal cost of funds
to avoid loss business.
• Monitor maturity of fixed deposits (FDs) on a regular basis and manage retention while engaging customers for trans-actability on CASA.
• Understand and articulate aggregated portfolio requirement feedback, to shape the customer proposition and product offering.
• Ensure high quality, knowledgeable service levels working closely with branches to exceed customer expectations.
• Act as the escalation point for customer pain point / serious complaints in order to address their issues quickly. Visit key clients such as high net worth on request from the branch managers and relationship managers.
• Ensure SME Banking NPS scores is being met.
• Ensure SME MIS ratio is being met. I.e., more CASA vis a vis Fixed Deposits.
Risk Management Reporting Administration
• Provide support to the credit risk team by ensuring submission of relevant information for preparation of credit applications
• Follow up on timely submission of executed security documents and offer letter after a credit proposal has been approved
• Regular monitoring of compliance with board or management credit committee (BCC/MCC) directives
• Ensure the credit approval conditions and covenants are met by clients as per the Bank’s requirements
• Ensure compliance to Anti-money laundering (AML) and Know your customer (KYC) to all clients
• Ensure turnaround time (TAT) for client’s applications are achieved through monitoring the flow of process
• Update and maintain risk procedures and systems with respect to risk identification, risk assessment, risk monitoring, risk mitigation strategies and risk reporting
• Ensure effective adoption and utilization of risk management tools
• Drive remediation of risk management exceptions identified during audit or risk reviews
• Promote risk management culture
• Monitor submission of insurance, valuation reports and financials for debtors, creditors
and stock list etc.
• Ensure timely submission of call reports and any other reports from time to time
• Support the Head of Retail and Digital Banking in preparing and providing inputs for relationship-related budget for board approval
• Perform any other duties as may be assigned by the immediate supervisor from time to time
Skills, Knowledge, and Abilities
Technical and Banking Knowledge
• Credit analysis skills
• Risk assessment capability
• Knowledge of SME banking products
• Understanding of financial statements
• Familiarity with regulatory requirements (KYC, AML, etc.)
• Relationship and Customer Management
• Strong relationship-building skills
• Customer-centric mindset
• Negotiation and persuasion skills
• Proactive client servicing
• Conflict resolution ability
• Retention and loyalty management
Sales and Business Development
• Sales-driven approach
• SME market knowledge
• Networking and industry engagement
• Prospecting and client acquisition
• Cross-selling and upselling ability
• Target and KPI orientation
Analytical and Strategic Thinking
• Problem-solving skills
• Strategic account planning
• Market and competitor analysis
• Communication and Interpersonal Skills
• Clear verbal communication
• Professional business writing
• Proposal and presentation skills
• Strong interpersonal skills
• Internal collaboration and teamwork
Personal Attributes
• High integrity and professionalism
• Resilience under pressure
• Adaptability to change
• Entrepreneurial mindset
• Time and task management
• Self-motivation and accountability
Academic / Professional Qualifications
• Bachelor’s degree in Business Administration, Finance, Economics, Marketing or any other related field
Working Experience Required
• A minimum of 3 years of working experience in driving SME business growth.
Driving Business growth • Lead the strategic direction, development, and implementation of business strategies to drive growth, profitability, and sustainability of the SME and Business Banking portfolio. • Expand portfolio activity through proactive customer engagement and visitations. • Research and maintain a database of potential new customers. • Translate SME Banking strategies into actionable plans in collaboration with the branch network team. • Drive business performance against KPIs, focusing on balance sheet growth, sales, revenue, credit quality, customer experience, and risk control. • Define and implement growth strategies with branch management to meet targets. • Regularly report segment performance to senior management and adjust strategies to meet goals. • Provide qualified referrals to product specialists for cross-selling treasury, trade, credit, and other services; manage parent relationships. • Monitor borrowing account performance and coordinate required actions with Unit Head. • Understand local business drivers affecting segment performance. • Analyze competitor products and recommend improvements to product teams. • Identify business improvement opportunities and advise Head of Products on service, product, and branch network adjustments. • Analyze branch network data to inform SME Banking strategy for short, medium, and long terms. • Develop new product ideas into viable business cases and proposals. • Monitor financial data to identify issues, ensure covenant compliance, and maintain asset quality at acceptable NPA levels. Relationship and Customer Service Management • Ensure retention of deposits at a competitive level in consideration of optimal cost of funds to avoid loss business. • Monitor maturity of fixed deposits (FDs) on a regular basis and manage retention while engaging customers for trans-actability on CASA. • Understand and articulate aggregated portfolio requirement feedback, to shape the customer proposition and product offering. • Ensure high quality, knowledgeable service levels working closely with branches to exceed customer expectations. • Act as the escalation point for customer pain point / serious complaints in order to address their issues quickly. Visit key clients such as high net worth on request from the branch managers and relationship managers. • Ensure SME Banking NPS scores is being met. • Ensure SME MIS ratio is being met. I.e., more CASA vis a vis Fixed Deposits. Risk Management Reporting Administration • Provide support to the credit risk team by ensuring submission of relevant information for preparation of credit applications • Follow up on timely submission of executed security documents and offer letter after a credit proposal has been approved • Regular monitoring of compliance with board or management credit committee (BCC/MCC) directives • Ensure the credit approval conditions and covenants are met by clients as per the Bank’s requirements • Ensure compliance to Anti-money laundering (AML) and Know your customer (KYC) to all clients • Ensure turnaround time (TAT) for client’s applications are achieved through monitoring the flow of process • Update and maintain risk procedures and systems with respect to risk identification, risk assessment, risk monitoring, risk mitigation strategies and risk reporting • Ensure effective adoption and utilization of risk management tools • Drive remediation of risk management exceptions identified during audit or risk reviews • Promote risk management culture • Monitor submission of insurance, valuation reports and financials for debtors, creditors and stock list etc. • Ensure timely submission of call reports and any other reports from time to time • Support the Head of Retail and Digital Banking in preparing and providing inputs for relationship-related budget for board approval • Perform any other duties as may be assigned by the immediate supervisor from time to time
Problem-solving skills • Strategic account planning • Market and competitor analysis • Communication and Interpersonal Skills • Clear verbal communication • Professional business writing • Proposal and presentation skills • Strong interpersonal skills • Internal collaboration and teamwork
Academic / Professional Qualifications • Bachelor’s degree in Business Administration, Finance, Economics, Marketing or any other related field Working Experience Required • A minimum of 3 years of working experience in driving SME business growth.
JOB-6855a8a900238
Vacancy title:
2 Relationship Manager: SME Banking
[Type: FULL_TIME, Industry: Banking, Category: Management]
Jobs at:
I&M Bank (T) Limited
Deadline of this Job:
Friday, June 27 2025
Duty Station:
Dar es Salaam | Dar es Salaam | Tanzania
Summary
Date Posted: Friday, June 20 2025, Base Salary: Not Disclosed
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JOB DETAILS:
Job Purpose
• Build and maintain relationships within the SME banking portfolio to nurture clients, expand the customer base, and achieve sales, revenue, and customer satisfaction targets.
• Drive new-to-bank acquisitions and retention through transactional products and effective client management, ensuring efficient product delivery and timely decisions.
• Serve as the Single Point of Contact, managing and deepening client relationships to address their comprehensive banking and financial needs.
• Develop business with new and existing customers to increase wallet share and sustain the SME portfolio.
• Ensure revenue growth and diversification while meeting balance sheet and P&L targets.
• Lead the development and implementation of the SME Banking Customer Value Proposition (CVP), supporting Retail, Digital, and Corporate Banking leadership with product concepts and market alignment.
Key area Responsibilities/Duties/Tasks
Driving Business growth
• Lead the strategic direction, development, and implementation of business strategies to drive growth, profitability, and sustainability of the SME and Business Banking portfolio.
• Expand portfolio activity through proactive customer engagement and visitations.
• Research and maintain a database of potential new customers.
• Translate SME Banking strategies into actionable plans in collaboration with the branch network team.
• Drive business performance against KPIs, focusing on balance sheet growth, sales, revenue, credit quality, customer experience, and risk control.
• Define and implement growth strategies with branch management to meet targets.
• Regularly report segment performance to senior management and adjust strategies to meet goals.
• Provide qualified referrals to product specialists for cross-selling treasury, trade, credit, and other services; manage parent relationships.
• Monitor borrowing account performance and coordinate required actions with Unit Head.
• Understand local business drivers affecting segment performance.
• Analyze competitor products and recommend improvements to product teams.
• Identify business improvement opportunities and advise Head of Products on service, product, and branch network adjustments.
• Analyze branch network data to inform SME Banking strategy for short, medium, and long terms.
• Develop new product ideas into viable business cases and proposals.
• Monitor financial data to identify issues, ensure covenant compliance, and maintain asset quality at acceptable NPA levels.
Relationship and Customer Service Management
• Ensure retention of deposits at a competitive level in consideration of optimal cost of funds
to avoid loss business.
• Monitor maturity of fixed deposits (FDs) on a regular basis and manage retention while engaging customers for trans-actability on CASA.
• Understand and articulate aggregated portfolio requirement feedback, to shape the customer proposition and product offering.
• Ensure high quality, knowledgeable service levels working closely with branches to exceed customer expectations.
• Act as the escalation point for customer pain point / serious complaints in order to address their issues quickly. Visit key clients such as high net worth on request from the branch managers and relationship managers.
• Ensure SME Banking NPS scores is being met.
• Ensure SME MIS ratio is being met. I.e., more CASA vis a vis Fixed Deposits.
Risk Management Reporting Administration
• Provide support to the credit risk team by ensuring submission of relevant information for preparation of credit applications
• Follow up on timely submission of executed security documents and offer letter after a credit proposal has been approved
• Regular monitoring of compliance with board or management credit committee (BCC/MCC) directives
• Ensure the credit approval conditions and covenants are met by clients as per the Bank’s requirements
• Ensure compliance to Anti-money laundering (AML) and Know your customer (KYC) to all clients
• Ensure turnaround time (TAT) for client’s applications are achieved through monitoring the flow of process
• Update and maintain risk procedures and systems with respect to risk identification, risk assessment, risk monitoring, risk mitigation strategies and risk reporting
• Ensure effective adoption and utilization of risk management tools
• Drive remediation of risk management exceptions identified during audit or risk reviews
• Promote risk management culture
• Monitor submission of insurance, valuation reports and financials for debtors, creditors
and stock list etc.
• Ensure timely submission of call reports and any other reports from time to time
• Support the Head of Retail and Digital Banking in preparing and providing inputs for relationship-related budget for board approval
• Perform any other duties as may be assigned by the immediate supervisor from time to time
Skills, Knowledge, and Abilities
Technical and Banking Knowledge
• Credit analysis skills
• Risk assessment capability
• Knowledge of SME banking products
• Understanding of financial statements
• Familiarity with regulatory requirements (KYC, AML, etc.)
• Relationship and Customer Management
• Strong relationship-building skills
• Customer-centric mindset
• Negotiation and persuasion skills
• Proactive client servicing
• Conflict resolution ability
• Retention and loyalty management
Sales and Business Development
• Sales-driven approach
• SME market knowledge
• Networking and industry engagement
• Prospecting and client acquisition
• Cross-selling and upselling ability
• Target and KPI orientation
Analytical and Strategic Thinking
• Problem-solving skills
• Strategic account planning
• Market and competitor analysis
• Communication and Interpersonal Skills
• Clear verbal communication
• Professional business writing
• Proposal and presentation skills
• Strong interpersonal skills
• Internal collaboration and teamwork
Personal Attributes
• High integrity and professionalism
• Resilience under pressure
• Adaptability to change
• Entrepreneurial mindset
• Time and task management
• Self-motivation and accountability
Academic / Professional Qualifications
• Bachelor’s degree in Business Administration, Finance, Economics, Marketing or any other related field
Working Experience Required
• A minimum of 3 years of working experience in driving SME business growth.
Work Hours: 8
Experience in Months: 36
Level of Education: bachelor degree
Job application procedure
Interested and qualified? Click here to apply
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