The Relationship Manager for SME in Mombasa is responsible for achieving business growth within the SME segment. The role holder will maintain a holistic view of all accounts within their portfolio, utilizing lead generation and account prioritization to cross-sell Bank products and extract maximum value. The position focuses on building and maintaining strong customer relationships while ensuring comprehensive account information is managed effectively.
Key Responsibilities
Acquisition and Business Development
Ensure growth of the Branch SME portfolio (NFI, deposits, and assets) through the acquisition of new-to-bank customers through business sales officers and lead generation.
Actively generate referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entities.
Ensure acquisition of customers to digital channels.
Effectively manage and expand relationships with existing SME banking clients and bring in new partnerships from the existing portfolio to ensure business growth and continuity.
Portfolio Profitability (Cross-sell & Retention)
Grow SME customer portfolio size (Product per customer, Non-funded income, deposits, and assets) by deepening existing customer relationships.
Ensure a clear retention plan for overall portfolio deposits and loans for the segment, executing this plan in conjunction with Branch Managers.
Monitor account planning for all clients to assist in advising on potential financial solutions based on identified needs.
Ensure customers are notified of maturing fixed deposits for appropriate action and encourage retention.
Assist in resolving client queries in a timely and appropriate manner.
Collaborate with product specialists to deliver effective customer solutions.
Fulfill minimum customer relationship touchpoints (e.g., 1 visit every quarter and 1 call/email a month depending on the customer segment).
Assist in the growth of the portfolio through desired channels such as SME Business Hubs and digital platforms.
Ensure all customers are on-boarded on digital platforms (Gab Pesa, Internet banking).
Target a Product Per Customer (PPC) ratio of 5 across the portfolio.
Operations and Credit Management
Understand the nature of businesses, their life-cycles, and the various product offerings suitable for the customer.
Evaluate credit proposals and ensure the credit application process is completed on a timely basis within the Bank’s set turnaround times.
Prepare and submit management reports summarizing individual and team loan activity.
Obtain account opening documentation from new customers.
Open accounts in the system, ensuring minimum required information is captured and the customer is assigned a CIF number.
Follow up with customers for missing information and maintain updated customer data (turnover, directors' details, etc.).
Compliance
Ensure compliance with both internal and external regulatory requirements (KYC, AML, and other bank processes).
Continuously follow business operational and credit policies ensuring compliance.
Qualifications and Experience
Bachelor’s degree in any field.
At least 2-3 years of experience in managing clients.
Excellent interpersonal skills.
Excellent communication and presentation skills.
How to Apply
Interested and qualified candidates are invited to apply online through the Gulf African Bank career portal. Please follow the link provided to submit your application: https://www.myjobmag.co.ke/apply-now/1184039
How to Apply
Interested and qualified candidates should apply online through the Gulf African Bank application portal. You can access the application page here: https://www.myjobmag.co.ke/apply-now/1184039. Follow the instructions on the destination page to complete your submission.
