Basic Purpose

Oversee, manage and monitor relationship management under the consumer banking unit. Manage Relationship Managers and Relationship Officers in their role to grow consumer banking business and support bank strategic planning through the branch network. Manage an end-to-end business relationship of all stakeholders and branches to foster smooth sales and retention agenda. Design sales action plan for consumer products and ensure smooth execution across the network.

Main Duties and Responsibilities

• Drive mortgage sales to achieve set targets (NTB and existing customers).
• Identify and acquire New-To-Bank (NTB) customers.
• Promote mortgage products including home purchase, construction, refinancing, and equity release.
• Build and maintain a strong pipeline of potential clients to ensure active management of clients and achieve the target.
• Be responsible for identifying customer needs, assessing their risk appetite and providing them investment options.
• Provide regular updates to the clients regarding the market changes and subsequent changes to the portfolio.
• Achieve healthy revenues without compromising on client’s profitability.
• Have clear focus on client mining and keep abreast of the market news, financial trends and current affairs.
• Conduct regular Client Meetings and update the same in the meeting tracker.
• Attain maximum reach of investment ideas/stock calls initiated.
• Assist in new client acquisition, building new relationships and increasing depth in existing relationships.
• Attend post result conference calls, analyst meets for improved client servicing.
• Cross-Sell of Third-party investment products like Mutual Funds, Bonds, PMS & Structured products, along with the bouquet of asset products such as working capital loans, term loans etc.
• Provide controls management to eradicate risk exposures and ensure the team is always adhering to Know Your Customer (KYC) standards and Anti Money Laundering (AML) in managing the loan portfolio.
• Ensure quality of service in the portfolio and management of customer expectations through effective queries, complaint and correspondence handling in a timely manner as per service operating standards.
• Be conversant with policies and procedures pertaining to all bank products and services and be able to adapt to change based on technological advancements and customer sophistication.
• Perform any other duties as assigned by your line manager.

Other Responsibilities

People Management Functions:

• Competence Development
• Team player and good motivator

Customer Focus Functions:

• Complaint management
• Timely and accurate branch support
• Relationship management with all the employers and key decision makers

Business Functions:

• Productivity; Growth of portfolio and deposit
• Portfolio Quality; PAR and NPL ratio
• Lending sales target
• Income growth; Interest and Non-interest income targets

Knowledge, Skills, Qualifications and Experience

Knowledge and Work Experience:

• Bachelor’s degree in finance, Business Administration, Economics, or related field.
• 3–5 years’ experience in banking, preferably in mortgages or lending.
• Strong understanding of credit analysis and retail lending.
• Proven sales and relationship management skills.

Skills Requirements:

• Strong in cross-selling and upselling techniques.
• Ability to analyze financial statements and cash flows.
• Knowledge of mortgage structuring and pricing.
• Strong verbal and written communication.

• Drive mortgage sales to achieve set targets (NTB and existing customers).
• Identify and acquire New-To-Bank (NTB) customers.
• Promote mortgage products including home purchase, construction, refinancing, and equity release.
• Build and maintain a strong pipeline of potential clients to ensure active management of clients and achieve the target.
• Be responsible for identifying customer needs, assessing their risk appetite and providing them investment options.
• Provide regular updates to the clients regarding the market changes and subsequent changes to the portfolio.
• Achieve healthy revenues without compromising on client’s profitability.
• Have clear focus on client mining and keep abreast of the market news, financial trends and current affairs.
• Conduct regular Client Meetings and update the same in the meeting tracker.
• Attain maximum reach of investment ideas/stock calls initiated.
• Assist in new client acquisition, building new relationships and increasing depth in existing relationships.
• Attend post result conference calls, analyst meets for improved client servicing.
• Cross-Sell of Third-party investment products like Mutual Funds, Bonds, PMS & Structured products, along with the bouquet of asset products such as working capital loans, term loans etc.
• Provide controls management to eradicate risk exposures and ensure the team is always adhering to Know Your Customer (KYC) standards and Anti Money Laundering (AML) in managing the loan portfolio.
• Ensure quality of service in the portfolio and management of customer expectations through effective queries, complaint and correspondence handling in a timely manner as per service operating standards.
• Be conversant with policies and procedures pertaining to all bank products and services and be able to adapt to change based on technological advancements and customer sophistication.
• Perform any other duties as assigned by your line manager.
• Competence Development
• Team player and good motivator
• Discover more
• Management
• Travel guides African countries
• Interview preparation
• Complaint management
• Timely and accurate branch support
• Relationship management with all the employers and key decision makers
• Productivity; Growth of portfolio and deposit
• Portfolio Quality; PAR and NPL ratio
• Lending sales target
• Income growth; Interest and Non-interest income targets

• Strong in cross-selling and upselling techniques.
• Ability to analyze financial statements and cash flows.
• Knowledge of mortgage structuring and pricing.
• Strong verbal and written communication.

• Bachelor’s degree in finance, Business Administration, Economics, or related field.
• 3–5 years’ experience in banking, preferably in mortgages or lending.
• Strong understanding of credit analysis and retail lending.
• Proven sales and relationship management skills.