JOB DETAILS:
Job Purpose
Provide supervisory role to the staff members working under branch business development unit whereas Relationship Manager –Business Development shall be responsible for coordinating activities of the unit by leading the team on sales and business development that ensure the growth of customer base, CASA and Term deposits, high-quality loan NPL, improvement of loan portfolio both PAR 30% and PAR 90%, growth of NFIs, cross-selling of bank products and maintain a good relationship with clients in line with KPIs.
Accountabilities
• Identify and negotiate business opportunities that will grow business of the branch in line with annual business targets and bank the strategy
• Develop and implement an annual business plan and sales strategy that will contribute to the overall business plan of the branch as well as Bank strategy.
• Ensure growth of CASA deposit and contribute 70% of the total branch deposits.
• Ensure growth of a quality loan portfolio across all customer segment and business sectors and generate profit in line with business targets.
• Ensure growth of customer base and actively operate their bank accounts
• Ensure recruitment of Equity Agents and Super agents in line to the Branch targets and growth of number of transactions
• Recruit Merchants, monitor performances of all POS in the area to ensure attainment of unit targets in line with branch objectives and goals.
• Ensure customers are on boarded on the ABC platforms and growth of number of transaction increases to reduce traffic at the branch and grow NFIs
• Ensure growth on NFIs by cross selling trade finance products, increase transactional banking services, insurance and other products and services that will generate NFIs
• Cross selling Bank products and ensure product usage per customer is enhanced to at least 8 products per customer
• Ensure number of dormant accounts is substantially reduced to very minimal at least 15% of the total branch customers
• Manage and enhance existing business relationships within the portfolio to ensure the retention of customers in line with business needs.
• Review own and other loan portfolios and recommend appropriate interventions to ensure it performs in line with approved performance indicators and targets.
• Liaise with all stakeholders, for example, clients, government institutions, and other financial institutions to ensure that the Banks interests are properly represented and safeguarded.
• Supervise, provide appropriate guidance, and mentor Relationship Officers to ensure onboarding of good and quality business and adherence to all Bank policies and procedures including compliance with KYC and Money
• Laundering Policies
• Going out to meet and interact with current segmented clients of Equity Bank as an awareness drive to build confidence in the new ventures with the aim of maintaining them and winning their loyalty
• Provide timely reports, recommendations, and feedback to immediate supervisors and top management on developments and progress of the business
• Liaise and coordinate activities with the Commercial Department and other stakeholders at Head Office
• Advise the BGDM on all branch matters concerning the growth of branch business and people management.
• Participate in the preparation of the branch budget and Annual Plan
• Collect and prepare market intelligence information, on products and services to ensure business growth in line with Carry out any other related duties as may be assigned by the BGDM that will be relevant to the Bank business.
KNOWLEDGE SKILLS AND EXPERIENCE:
• Education: Bachelor’s in Banking and Finance, law, finance, business administration or related field, Certified professionals is an added advantage
• Work Experience: Minimum of 3+ years of experience in an business related roles in a commercial banking field
Work Hours: 8
Experience in Months: 36
Level of Education: Bachelor Degree
Job application procedure
If you believe you can clearly demonstrate your abilities to meet the criteria given above, please submit your application quoting the Job reference and title in the subject field to TZRecruitment@equitybank.co.tz
JOB DETAILS:
Job Summary
The purpose of the role is to drive the business growth and management of the Diaspora Banking Business in CRDB Bank in connection with Tanzanian Embassies, diaspora associations and the ministry in ensuring strong and sustainable relationship that brings more business. Responsible for the strategic positioning and growth of diaspora banking. Provide leadership, manage and build a growing customer base with strong relationship for both potential and existing prospects Tanzanian Diasporas. Create awareness of bank products relevant to diaspora and promote account opening, accounts funding, usage, and savings. Responsible for cross-selling and upselling of other products and services to this diaspora segment. Manage sales campaigns for all promotions and campaigns for Diaspora products and services in Tanzania and abroad.
Key responsibilities:
• Manage and monitor diaspora banking business by ensuring customer base growth, deposits, income, facility utilization and usage of other relevant bank products and services.
• Work with product managers to ensure customers’ feedback is considered in all new products and changes done to existing products.
• Develop and maintain relationships with all diaspora banking business partners in-country and outside the country.
• Develop and lead the implementation of diaspora banking sales strategy by providing coordination between departments and business partners for better sales results.
• Oversee and evaluate customer relationship management to ensure existing customer retention and onboarding of new customers.
• Manage and review customer complaints from time to time and provide reliable feedback and solutions to the raised concerns.
• Strategically, work with other bank departments to remove all customer’s pain points and give an enhanced customer experience to the diaspora segment.
• Plan, manage and execute campaigns in international markets with high customer potential for recruitment and articulate Bank focus with targeted presentations.
• Analyse market intelligence across global markets and work with product development teams to achieve desired customer needs and wants.
• Lead and champion the change toward sales culture in all direct reports and across the unit.
• Manage Diaspora customer requests/transactions in compliance with Bank’s operational guidelines and procedures with zero tolerance for operational risk & frauds.
• Oversee direct report performance review and ensure constructive feedback.
• Execute marketing and sales initiative in the Diaspora markets and segment locally and internationally to present the Bank.
• Manage and monitor Performance Management for the portfolio against targets.
• Support, train and coach branches and other Units staff on Diaspora business to create synergy and enhance sales culture.
• Responsible for all KYC requirements and on-boarding process.
Customer Focus Functions:
• Customer centric in all products and services
• Highlights customer pain points and resolve them timely
• Develop and manage an appealing customer value proposition (CVP)
• Ensure that customers are aware of the products and services offered by CRDB
Business Functions:
• Responsible for product and unit profitability
• Development, implementation, and management of consumer liabilities products
• Monitor and analyse product performance on monthly basis
• Prepare various reports and business proposals for management approval
• Perform all other duties as assigned by your line manager