To achieve agreed targets in line with the business objectives through pro-active selling of all the bank’s products and provision of excellent customer service.
Key Responsibilities
1. Sales to Retail Customers (60% Time Split)
Deliver exceptional sales performance by identifying and meeting customer needs through selling Asset Based Finance (ABF) and cross-selling other Absa Bank products and services.
Provide direct, hands-on sales support (quality lead generation and effective follow-up) to generate and convert quality Asset Based Finance leads into sales.
Participate in Asset Based Finance product campaigns by ensuring that the parameters are well explained to customers.
Agree, meet, and exceed targets for specific sales campaigns.
Maintain own sales performance statistics for management information usage.
Own and manage ABF products and channel sales targets to contribute towards the direct sales objectives and targets.
Refer to the ABF Business Development Manager (BDM) when uncertain about the product delivery or application process, and respond directly to the customer.
Complete account opening documentation together with customers and submit to the Line Manager for review before submitting to operations for processing.
When selling ABF to both Retail and Business Banking customers, complete financial analysis and statement review on customer accounts. Where customers do not meet the minimum criteria, advise them verbally or in writing, and report such denials to the Line Manager on a daily basis.
Call customers when their accounts have been opened and provide them with branch contact information.
2. Customer Service (15% Time Split)
Own customer queries and complaints around Asset Based Finance and resolve in a timely manner. Escalate any unresolved queries to the Line Manager.
Build relationships with internal service providers (ABF Operations team, Sanctioners, and DSC) to ensure quick turnaround times.
Advise customers as soon as new loans are approved and encourage draw-downs on the new loans.
3. Operational Rigour, Compliance, and Controls (15% Time Split)
Ensure all activities and duties are carried out in full compliance with regulatory requirements, the Enterprise-Wide Risk Management Framework, and internal Absa Policies and Policy Standards.
Ensure accuracy of each new account application, ABF loan document, and all other customer documents. Lead Generators are held personally accountable for accuracy and quality.
Achieve operational rigour excellence in all aspects of procedures personally undertaken to ensure green audits.
Follow the Retail end-to-end account opening process, ensuring new accounts are authorized and KYC compliant. Escalate delayed items to the Line Manager.
Comply with general Absa operational risk and rigour requirements (e.g., Health & Safety standards, security of premises, KYC, and AML regulations).
4. Team Contribution & Personal Development (10% Time Split)
Share knowledge and experience with other Lead Generators in the team.
Provide cover for other Lead Generators in case of excessive workload or absence.
Deputize for the Line Manager whenever required.
Agree on annual performance objectives with the Sales Manager, including specific sales targets.
Pursue continued improvement in personal development by participating in development programs and training.
Educational Qualifications
Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)
