Job Vacancies at SMEP Microfinance Bank

Reporting to the Head of Business Development, the position is responsible for overseeing and providing leadership to the Branch Teams, to undertake and accomplish the set goals in accordance with the Banks’ business strategy. The role holder will also be responsible for business growth of the Banks’ key business sectors of Micro, SME, Corporate, Church and Church affiliated corporate and institutions, NGOs, SACCOS, etc, in addition to being responsible for developing and maintaining critical relationships to enhance business development in all these parameters.

DUTIES AND RESPONSIBILITIES

• Offer leadership to managers and staff in the Branches, in a manner that promotes motivation, efficiency, mentoring and to ensure high levels of discipline.
• Develop business strategic plans that provide clear direction on the business objectives for the Bank.
• Manage achievement of sales, retention of client base and profitability of portfolio.
• Optimize business growth through cross selling of all products, aggressive sales efforts resulting in quality growth of client’s relationship, develop new business and grow accounts.
• Maintain a growing, balanced asset and liability book in line with overall bank strategy.
• Maintain a high quality loan book and offer competitive products and services that meet the needs of target market.
• Carry out research to monitor and provide relevant information on the market and competitors activities.
• Generate income lines, achieve revenue and profitability targets through presenting the entire range of Banks’ products, services to assigned and / or targeted client segments.
• Ensure SMART target setting, monitoring and timely submission of both target documents &appraisal documents within set timelines in the allocated Zone.

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Qualifications

• An undergraduate degree in Accounting, Commerce, Marketing, Banking, or other business-related field, from a recognized university
• Post Graduate qualification or certification in a Business Related field will be an added advantage
• Must be adept in ICT skills; knowledge of T24 Banking system will be an added advantage
• Between 35 to 45 years of age

Key Qualities & Competencies

• Must have at least ten (10) years experience in the Financial sector, with a concentration in the Micro Finance field; 3 (three) years of which must have been in a Management role.
• In-depth knowledge and experience in loan portfolio management & Business growth
• In-depth knowledge and experience in Banking Operations
• Strong and proven leadership and people management skills
• Proven Mentorship and Training skills
• Good business acumen and proven innovativeness
• Superior analytical and report writing skills
• Excellent Communication and Administration skills
• Self-driven, results-oriented with a positive outlook
• Must have a clear focus on high quality and business profit
• Able to get on with others and be a team-player with excellent interpersonal & relationship building and management skills
• Must be available and willing to travel extensively within the country
• Applicants must be committed to Christian values with a passion to serve

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The successful candidates will be responsible for steering the Branch into high level performance through proper supervision, people management and enforcing a customer centric culture at the Branch.

Key Duties & Responsibilities

• Take the leadership role at the Branch and mentor the Branch staff towards the achievement of the Banks’ Mission, Vision and the Banks’ Strategic Objectives.
• Ensure the Branch attains the set targets in the following parameters; High standards of Customer Service, Customer Retention, Deposits, Healthy Loan Portfolio.
• Develop and maintain critical relationships at the Branch to enhance business Development
• Enhance relationships with SME’s, High Net worth Individuals, Churches and Institutions to grow business.
• Maintain a healthy balance of deposits portfolio on Church, SME, and Retail and Corporate deposits.
• Implement strategies on penetration of business segments, markets and sectors.
• Ensure growth of liabilities business including transactional, alternate and direct banking business.
• Ensure staff productivity is maintained through support, mentorship, and TAT and customer service.
• Ensure compliance with both internal and external regulatory requirements.
• Working closely with risk and compliance units to ensure effective controls to mitigate against business risks associated with Business.

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Key Qualities & Competencies

• Minimum of 5 years banking experience; both in Banking Operations and Credit Management, 2 of which must have been in a supervisory or managerial position in a Micro Finance or Commercial Bank
• Experience in a Micro Finance Institution will be an added advantage
• Good people Management skills and proven ability to achieve results through others
• Have excellent negotiation, sales and marketing skills
• Strong customer centric skills
• Excellent report writing and presentation skills.
• Good communication skills
• Self-driven, results-oriented individual with a positive outlook
• Must have a clear focus on high quality and business profit
• Able to get on with others and be a team-player with excellent interpersonal skills
• Between 33 to 42 years of age

Qualifications

• A minimum grade of C+ (plus) in KCSE
• Undergraduate university degree in Business related field
• Professional qualifications in Marketing, Accounting or Credit Management will be an added advantage
• Must be adept in ICT
• Applicants must be committed to Christian values with a passion to serve