Relationship Officer – Micro Business
Full time @Caritas MFB posted 10 hours ago in Business and Finance Shortlist Email JobJob Detail
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Career Level Officer
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Experience 3 Years
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Qualifications Degree Bachelor
Job Description
JOB PURPOSE
- Provide financial and business solutions to micro customers, including credit solutions, liability products, and customer service.
KEY RESPONSIBILITIES
- Driving customer recruitment for micro business customers.
- Leading in developing suitable products and services for micro in liaison with the branches, HOD Retail Banking and the Product Development team
- Delivery of exceptional performance through the micro business team.
- Proactively leading and directing the relationship teams accountable for the portfolio of micro business customers.
- Taking initiative in terms of business development activities and ensuring that quality business is retained, and high service standards are delivered by the team.
- Demonstrating an intimate knowledge of the market and the competitor to inform market penetration, growth, and retention.
- Making quick business decisions that balance risk, profitability and most importantly, responsiveness to customer needs.
- Reviewing the performance of assigned Relationship Officers and/or Branch
- Managers against micro business budgets for all assigned KPI targets.
- Continually monitoring and following up with respective micro businesses
- Relationship Officers and/or Branch Managers to ensure that the set Micro business targets are being achieved, and gaps are adequately addressed.
- Conducting regular customer visits to enhance relationship development and
- customer maintenance, as well as growth of the business wallet.
- Monitoring and following up with micro business Relationship
- Managers/Officers and/or Branch Managers to ensure balanced growth of the micro business portfolio.
- Monitoring quality of the loan book advances by reviewing arrears, account excesses and irregular accounts, among others.
- Monitoring performance against set targets.
- Conducting customer engagement initiatives like financial literacy, coaching, and mentorship
QUALIFICATION AND EXPERIENCE REQUIREMENTS
- Holder of a bachelor’s degree in a business-related field.
- Thorough knowledge of MSME banking products and policies.
- 3 years’ experience in banking
- Professional banking qualifications will be an advantage
- Knowledge of lending products and prudential guidelines.
- Ability to lead teams and deliver business results.
- Must be self-driven; possess excellent administrative, communication, and interpersonal skills, strong organization, and negotiation skills.
- Resilient, Confident, and self-motivated.
