GENERAL:
\nJob Title: Relationship Manager \u2013 Consumer & Retail
\nDepartment\/ Division: Retail Banking
\nNumber of Vacancies: 1
\nBASIC PURPOSE:
\nThe job holder will be mainly responsible for managing and growing the consumer lending and retail banking portfolio. The role involves acquiring new clients, deepening relationships with existing customers, and offering tailored financial solutions, including personal loans, salary advances, mortgages, and other retail banking products. The RM will work closely with credit, operations, and risk management teams to drive loan growth while ensuring portfolio quality and compliance with regulatory requirements.
\nMAIN DUTIES AND RESPONSIBILITIES:
\nClient Acquisition & Relationship Management
\n\u2022 Identify and acquire new retail customers through direct sales, referrals, and strategic partnerships.
\n\u2022 Build and maintain strong relationships with individual customers to understand their financial needs.
\n\u2022 Provide tailored financial solutions, including loans, deposit accounts, and investment products.
\n\u2022 Conduct regular customer engagement to enhance loyalty and increase product penetration.<\/p>\n
Loan Origination & Portfolio Growth
\n\u2022 Promote and sell consumer loan products, including personal loans, auto loans, mortgages, and salary advances.
\n\u2022 Assess customer creditworthiness and ensure loan applications meet bank policies.
\n\u2022 Drive loan book growth while maintaining a high-quality portfolio.
\n\u2022 Work with credit and risk teams to ensure smooth loan processing and approval.
\nCross-Selling & Business Development
\n\u2022 Cross-sell a full range of retail banking products, including credit cards, insurance, and investment products.
\n\u2022 Work with branch teams to increase customer engagement and maximize revenue opportunities.
\n\u2022 Collaborate with payroll teams and HR departments to offer Employee Banking solutions.
\nRisk Management & Compliance
\n\u2022 Ensure all KYC (Know Your Customer), AML (Anti-Money Laundering), and regulatory requirements are met.
\n\u2022 Monitor loan performance and proactively manage delinquencies and defaults.
\n\u2022 Ensure all transactions comply with bank policies and industry regulations.
\nMarket Intelligence & Reporting
\n\u2022 Conduct market research to identify trends, customer preferences, and competitor activities.
\n\u2022 Provide regular reports on sales performance, customer feedback, and loan portfolio trends.
\n\u2022 Recommend improvements to product offerings and customer experience.
\n\u2022 Perform any other duties as may be assigned by Immediate Supervisor.
\nKNOWLEDGE, SKILLS, QUALIFICATIONS AND EXPERIENCE:
\nKnowledge
\n\u2022 Complaint management
\n\u2022 Timely and accurate branch support
\n\u2022 Relationship management with all the employees and key decision makers
\n\u2022 Competence Development
\n\u2022 Team player and good motivator
\n\u2022 In-depth knowledge of the commercial banks\u2019 working environment
\n\u2022 The role requires customer focused person, committed and keen business acumen \u2022 Thorough understanding of the Bank operations.
\n\u2022 Computer proficiency
\nSkills \u2022 Effective listening skills.
\n\u2022 Good communication skills.
\n\u2022 Problem solving skills
\n\u2022 Personal integrity with a high regard to maintain strict confidentiality.
\n\u2022 Excellent in time management.
\nQualifications
\n\u2022 Bachelor degree in any business related field. Masters degrees and professional certification will be added advantage.
\nWork Experience
\n\u2022 At least 3 years of relevant working experience in the Banking sector.
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