NBC is the oldest serving bank in Tanzania with over five decades of experience. We offer a range of retail, business, corporate and investment banking, wealth management products and services.
\nJob Summary
\n\u2022This role provides a unique opportunity to combine deep client insight, exploit Technology and pinpoint Fintech Partnerships to enhance the value we deliver to clients in exercising overall responsibility for successful delivery of Partnership programmes.
\n\u2022To drive and implement Ecosystem banking solutions to Commercial, SME clients and position the bank as the first and efficient financial institution offering the solution.
\n\u2022To develop collaboration culture among various teams and drive cross selling culture to maximize Business Banking growth, retention and profitability targets for the bank
\n\u2022Link clients to effective and affordable Ecosystem banking solutions to highly drive Liabilities and assets for the bank.
\n\u2022Archive Penetration on the specified Cooperate (Anchor\/Sub Anchor) through upstream and downstream onboarding.
\n\u2022Grow Ecosystem revenue, deposit and assets i.e. supporting Manager Ecosystem archive Ecosystem targets.
\nJob Description\u200b
\nKey Accountabilities:
\nBusiness and Relationship Management 50%<\/p>\n
Work directly under Business Banking to support sector RMs in originating, structuring, and onboarding ecosystem opportunities.
\nPartner with Cash Management, Trade Finance, Treasury, and Credit to deliver tailor-made value-chain solutions derived from both CIB and BB anchors.
\nConduct deep-dive value-chain mapping for all BB clients.
\nMine and Feed Retail Banking with BB value chain Ecosystems
\nDrive ecosystem penetration targets per sector and anchor.
\nAchieve agreed asset and deposit targets by supporting coverage team through offering an ecosystem banking products and services.
\nDevelop and market the bank\u2019s ecosystem products and services through contact with, high net-worth individuals, Merchants, Agents and other prospective clients in a specified cooperate value chain.
\nResponsible for ensuring Limit utilization and account usage with the recruited clients.
\nTraining customers at the branch on the digital products and self-onboarding to the access of the digital save and ecosystem financing.
\nDigitize all the Ecosystem value chain customers and under specified segment.
\nMonitor Ecosystem portfolio to ensure installment is paid on due and endure a high-quality portfolio.
\nManage early arrears through daily repayment tracking, Anchor relationship, security placement request whilst supporting in recovery visitations, restructuring and follow-up on client promises.
\nSuspend client from accessing the digital facilities and table for evaluation of the Sub Anchor.
\nTo ensure 100% compliance to bank policies and procedures in all value chain onboarding with high level of integrity.
\nResponsible in Growing and maintaining the Ecosystem & Digital lending portfolio as assigned.
\nCreate, maintain and grow a high synergy between Ecosystem Banking unit with Cooperate, MSMEs, Employees, Agents and Merchant Team. Ensure the value chain is solutioned in collectively.
\nPresent the weekly report to Manager -Ecosystem banking for discussion.
\nWork with Risk Department in building awareness and comply with KYC, AML, and Financial Sanctions and Prohibitions of Business Activity policies for the Bank.
\nCoordinate and organize the Business Banking\u2019s Lending Forum Meetings constituted to assist the business in managing the review of lending activities on regular basis ensuring that customer recruitment is in line with risk appetite, profitable customers are given the attention they deserve, and problematic customers are identified upfront and given proper attention.
\n\u00a0Conduct regular discussions with Credit to ensure process efficiency and quick turnaround for ecosystems clients.
\nCo-ordinate sales call for identified ecosystem opportunities in Business Banking.
\n\u00a0Develop an ecosystem operational plan in alignment with CVPs in BB Clients for execution through the Business segment heads.
\nDevelop and implement sales and marketing best practices in support of the customer value proposition and customer expectations.
\nDrive ecosystems sales targets by tracking, measuring, and managing performance across all the across branch network.
\nFacilitate a working partnership between Credit, the business units and Branches to stimulate business growth without compromising risk and the quality of lending.
\n\u00a0Support the sales team to resolve escalated customer complaints as it relates to ecosystems.
\n\u00a0Develop measures specific to tracking ecosystems activities and penetration and conducts research to provide inputs and insights into ecosystem strategy and execution plans.
\nTrack achievement of sector financial targets through ecosystems and reports on indicators such as revenue, ROEs and shares a weekly report with the segment heads.
\nSupport Business Development Managers to reach performance targets by proactively monitoring and acting on Daily Scorecards, Monthly financial and Operational reviews etc<\/p>\n
\u00a0
\nCustomer Service Management 20%
\n\u00a0
\n\u2022 Proactively and professionally support Branch Manager, Business Development Officers to manage client experience by providing appropriate on job training and coaching on ecosystem product and services delivery.
\n\u2022 Keep an active and accurate records\/log of customers complaints discussions\/correspondences with clients and provide timely feedback on unresolved\/resolved issues.
\n\u2022 Effectively co-ordinate client relationships\/activities with other business owners within BB banking department.
\n\u2022 Use client feedback to improve product and service offering.
\n\u2022 Participate in weekly performance review, and knowledge sharing meetings with Regional Managers, Branch Managers, and cluster heads.
\n\u2022 Develop and maintain contact with Product Specialists and Ecosystem banking specialist in other areas of the bank
\n\u2022 Understand and articulate aggregated customer requirements feedback to shape the customer proposition and product offering.
\n\u2022 Ensure high quality service levels in branches to exceed customer expectations
\n\u2022 Build a motivated, committed and focused Branch team, consistently delivering creative, precise and customer-focused service
\n\u2022 Act as the escalation point for HOT complaints.
\n\u2022 Visit high net worth or key clients on request from the branch managers and other relationship managers.
\n\u2022 Ensure branch network compliance with internal procedures.
\n\u2022 Implement service delivery plans for improvement through monitoring and tracking of service metrics.
\n\u2022 Coordinate cross-functions to provide high standard of service delivery of ecosystem products and services
\n\u2022 Engage in high-net-worth client meetings as needed for complex scenarios reviews and consultations.
\n\u00a0
\nPeople Management and Development 10%
\n\u2022 Create an empowering environment for team members, encouraging individual ownership and initiative.
\n\u2022 Set high performance and productivity standards for team.
\n\u2022 Enhance performance of Branch Development Officers and Managers by identifying training needs and ensure coaching or delivery of training takes place.
\n\u2022 Drive employee development and engagement within Business Banking, branch teams that results in a high-performance culture
\n\u2022 Acts as escalation point for grievance cases touching on BDOs and Relationship Officers in the region
\n\u2022 Pursue own development to increase personal effectiveness, acknowledging strengths and areas for development
\n\u00a0
\nRisk, Control and Compliance Management 10%
\n\u2022 Work with Risk Department in building awareness and comply with KYC, AML, and Financial Sanctions and Prohibitions of Business activity policies for the Bank.
\n\u2022 Ensure that Relationship Officers and Mangers review their portfolio monthly and ensure that all documentation required (KYC, AML and Sanctions) are up to date and escalate any unresolved KYC requirements to the relevant mandated holders.
\n\u2022 Ensure Business Development Officers take accountability on the accuracy and quality of the documents, loan applications, ICU checklist and other related documents.
\n\u2022 Ensure the region operates in a compliant manner and adheres to relevant company and regulatory requirements to achieve satisfactory grades in local & Group Audits
\n\u2022 Monitor branch operations and control performance to ensure that branch standards in the cluster are met and where required review branch remediation action plans.
\n\u2022 Review incident reports raised from branches and take required actions e.g. escalation, disciplinary action etc.
\n\u2022 Understand and manage risks and risk events (incidents) relevant to the role.
\n\u2022 Contribute and deliver to the improvement of the risk profile by delivering improved governance, risk management, controls and compliance requirements.
\n\u2022 Ensure all financial crime matters are addressed on time e.g. annual PEP & HRR, LR reviews.
\n\u2022 Control Non-performing Assets to within regulatory and Industry standards
\n\u00a0
\nChange Management 10%
\n\u2022 Comply and keep abreast of all policies, procedures, and circulars updates.
\n\u2022 Ensure self-development pertaining to career path to develop knowledge and skills
\n\u2022 Complete all critical compliance training
\n\u2022 Project manage all major organizational changes within the cluster such as organizational structure changes, IT\/system changes or process changes, Process Improvement,
\n\u2022 Communicate strategic changes to branch management and ensure that any target changes are agreed.
\n\u00a0
\nEducation and Experience Required<\/p>\n
B-degree \/ Advance Diploma \/ Equivalent qualification in Finance, Accounting, Economics, Business Administration or any other related field
\nAt least 3 years of experience in banking industry, where one(1) year should be in Ecosystem Banking.
\nExperience from Trade Finance or Fintech Companies is an added advantage<\/p>\n
Knowledge & Skills: <\/p>\n
Knowledge in Digital lending and financial environment in emerging markets
\nStrong Negotiation and influencing skills
\nMarket awareness
\nCredit appraisal skills
\nExcellent relationship building skills
\nHigh impact communication and presentation skills.
\nLearning and researching
\nEntrepreneurial and commercial thinking
\nRelating and networking
\nAdapting and responding to change
\nPersuading and influencing
\nCreating and innovating
\nDeciding and initiating action<\/p>\n
Qualifications
\nBachelor`s Degrees and Advanced Diplomas \u2013 Business, Commerce and Management Studies, Commercial mindset \u2013 Junior (Meets some of the requirements and would need further development), Customer Excellence \u2013 Service Delivery (Meets all of the requirements), Digital familiarity (Meets all of the requirements), Effective communication \u2013 Basic (Meets all of the requirements), Experience in a similar environment, Openness to change (Meets some of the requirements and would need further development), Product and\/or Service Knowledge (Meets all of the requirements), Sales Management (Meets some of the requirements and would need further development)
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