• Sales and Growth of the Retail Public sector Schemes. • Grow the Banks Business through recruitment and mobilization of new to bank and existing potential public sector schemes in line with the scheme’s performance target. • Organize different sales activities/campaigns at institution level to give an opportunity to sales staff access to the employees of the target entities. • Support channels in selling and cross selling all the relevant bank products in the target Entities. • Develop and implement a sales plan to achieve and exceed scheme sales targets. • Work in liaison with the branches to understand and sell the right proposition/offering at scheme level. • Provide daily, weekly, monthly, and quarterly sales performance reports to the Sales Manager detailing the performance progress. • Support some loan applications from branches that may require exceptional approval for some reasons within acceptable risk margins. • Relationship Management/Customer Service • Exploit the existing customer relationships to create new profitable business opportunities. • Maintain a visible and active presence in the assigned entities to support the relationships. • Conduct regular customer visits in order to build long term relationships and generate call repots. • Handle customer queries and complaints and resolve them in a timely manner and escalate any unresolved queries in the shortest time possible. • Technically support branch staff to acquire profitable and quality business from the key entities in the portfolio. • Foster a team approach by actively building strong work relationships with departments and branch teams. • Manage all services related issues raised by employees or management. • Schedule meetings with the key decision makers in the managed entities for senior leadership visits. • Work on closed or suspended schemes in the portfolio to ensure that they are reopened for business where it doesn’t pose any risks to the bank. • Delinquency Management • On a daily basis monitor loans in the scheme portfolio and ensure that they are performing in line with set targets and approved terms and conditions. • Initiate and work together with branches in the recovery of delinquent loans in the scheme portfolios in the line with set policies and procedures governing the recovery process. • Track first instalment defaults and work through channels to ensure that they are resolved. • Ensure salaries have come through and advise the credit team where there are delays as per the expected salary dates. • Ensure loan repayment dates are aligned to the salary dates for all the entities and the respective borrowers to reduce 0–29-day arrears. • Ensure all entities communicate exits and follow up on any payments available like terminal benefits, insurance claims etc. • Send monthly updates to the employers with details of the borrowed employees to minimize salary diversions and other reasons that may affect the quality of the book. • Operational Rigor and Compliance • Deliver accurate and quality loan and vetting documentation, in line with approved terms and operating policies and procedures. • Monitor and evaluate performance of assigned loan portfolio with reference to risk management framework, customer service standards and the loan terms. • Monitor files in the credit quest to ensure timely decisioning of files. • Actively participate in the training and coaching programme of the bank for sales officers and make reports in line with the performance management framework. • Ensure all audit gaps are closed in regard to scheme findings. • Ensure compliance by branches on the vetting processes as indicated in the process manuals.

• Technical Competences and Skills • Online job training courses • Customer Focus • Assertiveness • Interpersonal Sensitivity • Excellent Planning and Organizational Skills • Strong Communication Skills both Verbal and Written • Problem Solving and Analytical Skills • Presentation Skills • High Integrity • Team Player • Knowledge & Expertise • Knowledge of the Bank products, services and policies including standard tariffs • A good understanding of overall retail goals and objectives, including the branch objectives, growth of sales, cost control and income contribution. • A thorough understanding of the sales process. • A working knowledge of procedure manuals • A good working knowledge and understanding of relevant regulations and related markets. • A thorough knowledge of banks internal departments and procedures as well as risk and rigor requirements • A good understanding of portfolio management. • MINIMUM QUALIFICATIONS AND SKILLS • Bachelor’s degree in a business-related field • Minimum of 4 years of related experience • Sales driven • Ability to identify, analyze and structure consumer lending requirements. • Thorough knowledge of banking products and services. • Solution oriented and creativity. • Demonstrate knowledge of Digital Financial services and their relevance to customers. • Strong communications, negotiation, and interpersonal skills with ability to win business. • Passion for Performance. • Open to New Ideas in a rapidly changing Business Environment and innovative. • Integrity. • People management with bias to customer centricity.