Area Leader - Consumer Banking

The Area Leader - Consumer Banking has overall responsibility for the leadership and management of assigned Business Centres within an assigned region. This role is responsible to direct all facets of operations i.e., sales and services for both Retail and SME banking of Business Centres reporting to him/her and is accountable for the customer base development and to boost assigned portfolio size of customers within both Retail and SME business dealings.

KEY RESPONSIBILITIES:

• Provides sales and service leadership within the assigned regional Business Centres.
• Evaluate all activities and working practices of the Business Centres in order to maximize profits - making recommendations for change as required.
• Work closely with Business Centre Managers to achieve operational targets by providing business plans and monitoring the performance of the sales team to ensure the specific portfolios of business performances are met.
• Creates functional strategies and specific objectives for the regions and develops budgets/policies/procedures to support the functional infrastructure.
• Promote cross selling of banks products within the teams and Business Centres to increase the unit’s profitability.
• Develop and maintain close working relationships with customer service teams to ensure that all clients are managed within agreed service levels.
• To proactively promote and sell the banks products and services, getting involved in additional marketing activities.
• Network to improve the presence and reputation of the Business Centre and bank while staying abreast of competing markets and provide add on’s on market movement and penetration.
• Oversee a portfolio of Consumer Banking clients with a view to developing mutually beneficial business opportunities.
• To be accessible to clients, keep regular communication, update them on latest development with regards to SME policies and look for opportunity to excel expectations.
• Control and monitor the quality of the portfolio using available triggers and adherence to Risk Management guidelines and policies
• To monitor trends that indicates the need for new products and services and share information with product development team.
• Be responsible for the health and safety of all direct reports, promoting safe working practices and acting where necessary

PREREQUISITES:

• Degree or Post Graduate Qualification in Banking or any field accepted by the bank
• Over 10 years of work experience in Banking or Finance industry and 5 years in management position in a commercial Bank;
• Proven experience in leading, managing and inspiring a team of professionals, preferably in banking or financial institutions, at Management Level.
• Customer focused - Ability to respond to customer needs and evaluate customer satisfaction while actively striving to provide excellent service.
• Sufficient knowledge of modern management techniques and best practices.

SKILLS:

• Result and Target Driven-Ability to meet sales target and production goals.
• Excellent analytical and Finance skills, with proven ability to interpret, analyses and present financial information and performance metrics.
• Familiarity with industry’s rules and regulations- Well versed with Banking Guidelines.
• Self-confident person with excellent drive, dedication to work, action and achievement oriented, high level of motivation and exceptional attention to detail.
• Excellent inter-personal skills; with the ability to build lasting and strong internal relationships at senior levels and across business units, developing a strong and broad network of contacts within the Bank.
• Strong business acumen, with good knowledge of risk, product, market and operational activities and processes.
• Marketing, Selling and Credit analysis skills.
• Strong organizational skills with ability to manage multiple deliverables in a timely and effective manner.
• Strong core / business values given the nature and sensitivity of the role.