At Sidian Bank, we recognize the significant accountability and inherent risks that an entrepreneur takes to make his ideas and dreams a reality. Our mission is to empower entrepreneurs to create wealth through provision of transformational financial solutions that meet entrepreneurs' needs and facilitate growth through convenience and choice.
The Relationship Manager is responsible for managing client relationships to achieve set sales targets and wallet share and ensure sustained business growth and profitability in the assigned customer segment. The role involves selling, cross-selling, and up-selling the bank’s products and services while building long-term profitable customer relationships.
Key Responsibilities
Branch Strategic Input and Planning
- Contribute to the completion of the branch operational plan by preparing and implementing an individual business plan that encompasses strategies for performance on branch growth objectives.
- Formulate and implement personal initiatives for assigned and new business portfolios aimed at increasing new business and share of wallet from existing clients.
- Prepare a personal action plan that contributes to the overall branch budget.
Business Growth & Development
- Full responsibility for all product lines and all sales and business development for new and assigned business portfolios.
- Achieve business growth of the Business portfolio (Both Assets and Liabilities) ensuring income, quality and portfolio growth targets are achieved.
- Drive growth in client recruitment, increased transactional income, and cross-selling of products.
- Develop new business opportunities and monitor activities in line with the Bank’s long-term strategic and annual business plans.
- Ensure full compliance with the Bank’s Credit Policy, Central Bank of Kenya guidelines, and the Banking Act.
- Leverage position as a trusted advisor to the customers to proactively manage Portfolio at Risk (PAR).
Marketing & Brand Management
- Build the Sidian Bank Brand to ensure that the bank is top of mind as an enterprise bank.
- Understand and provide clear direction to the branch based on market analysis of local area consumer trends and competitor offerings.
- Establish relationships with key clients or business influencers in the local area.
Relationship Management & Customer Experience
- Drive customer satisfaction, advocacy, and positive customer experience to achieve high CSAT, CES, and Net Promoter scores (NPS).
- Minimize customer attrition by offering the required solutions and proactively responding to queries and complaints.
- Identify financial and non-financial requirements of High Net Worth (HNW) clients by conducting financial needs analysis.
Risk & Compliance
- Ensure that all customers onboarded meet the minimum criteria and are screened adequately according to AML/CFT/CPF guidelines.
- Continuously monitor customer transactions and properly document the purpose of all complex or unusual transactions.
- Identify high-risk accounts such as Politically Exposed Persons (PEP) at the point of account opening.
- Ensure accurate and complete data has been captured in the system and that customers are properly risk-rated.
Qualifications and Experience
- University degree or above in a relevant business discipline (e.g., Business Administration or Finance).
- At least 7 years’ experience in retail banking and/or commercial banking.
- Including a minimum of 4 years sales experience.
- Diploma in Banking – AKIB is an added advantage.
Skills & Competencies
- Sound knowledge of Retail Banking/SME products, services, and processes.
- Profound understanding of the retail market, key competitors, and offerings.
- Thorough understanding of CBK regulatory framework and pertinent regulations.
- Strong leadership, marketing, sales, and management skills.
- Highly effective communicator with excellent interpersonal and motivational skills.
- Strong analytical, decision-making, and project management skills.
How to Apply
Interested and qualified candidates should apply online through the Sidian Bank career portal via the application link provided below.
