Position Overview<\/p>\n
Zanaco Bank Plc is inviting applications from suitably qualified and experienced individuals for the following job aimed at contributing to the Bank\u2019s strategic vision, in the Commercial Division under the Retail Banking Department at Nakonde Agency:<\/p>\n
Role Description<\/p>\n
Job Purpose:\u00a0This position ensures the establishment of a relationship managed association between the bank and the Preferred Banking client through the Preferred Banker that proactively engages clients for the provision of banking products and services based on the client\u2019s needs whilst ensuring profitability of the entire customer value proposition.
\nJob Responsibilities:
\nFinancial (60%)
\n\u00b7 100% responsibility for assigned Preferred banking portfolio.
\n\u00b7 100% responsible for achievement of assigned financial targets; acquisition, liabilities, assets growth, gold cards, internet and mobile banking, Banc assurance.
\n\u00b7 100% responsibility for revenue generation assigned Preferred banking portfolio.
\n\u00b7 Representative of the sales strategy for Preferred Banking clients i.e. hunts in packs with Corporate and Commercial teams and provides leads to the two units.
\n\u00b7 Accountable for conducting an in-depth analysis of client\u2019s present financial position relating to total assets such as property, business interest etc., credit balances across account types, transaction types and the value of all investment portfolio to recommend appropriate products and services to the client.
\n\u00b7 Closely monitor sales performance against set targets and proactively address any adverse variances.
\n\u00b7 Ensure on boarding process is seamless i.e. account funded and mobile banking activated within 24hours of account being opened, card issued within agreed TAT.
\n\u00b7 Subsequently, monitoring performance of client accounts to ensure account behavior remains positive.
\n\u00b7 Responsible for the execution of the CVP for Preferred Banking customers and educating them on the Bank\u2019s product offering and service channels.
\n\u00b7 Ensures growth of the number of clients on the portfolio and accountable for all financial KPIs.
\n\u00b7 Responsible for scanning the market and research on good opportunities to meet Preferred banking client\u2019s revenue goals and provide market updates\/financial news to the client.
\n\u00b7 Ensure brand and product offering consistency across the Customer value proposition for the segment.
\n\u00b7 Ensure that the full value chain of the segment proposition is realized for the Bank by cross selling, deep selling and upselling the bank\u2019s products to increase customer wallet size and therefore retention.
\n\u00b7 Responsible for monthly assessment of segment thresholds and proactively engage clients for any breaches and execute upgrades or downgrades half yearly so that the CVP is aligned to customer\u2019s needs and that they derive full value from the proposition.
\n\u00b7 Knowledge and understanding of appropriate legislation and regulation affecting banking and customer interaction to ensure all transactions are legal.
\nCustomer Service (20%)
\n\u00b7 Manage clients and recommend appropriate solutions in addressing their needs with customer contact plans completed.
\n\u00b7 Educate clients on the use of various alternate channels to allow for full implementation of the Retail strategy i.e. relationship management.
\n\u00b7 Ensure that the customer experience is positive throughout the client\u2019s journey and at all touch points to increase retention.
\n\u00b7 Execute all client\u2019s requests within SLAs and provide feedback to ensure clients are fully satisfied with the service\/ resolution.
\n\u00b7 Execute life cycle programs to provide full customer service propositions that deepen client relationships.
\n\u00b7 Ensure that all key personal details of the customers are known e.g. birthday, anniversary, hobbies, spouse and children\u2019s details etc., to better meet client\u2019s needs and ensure all accounts opened are 100% KYC compliant.
\nControls (10%)
\n\u00b7 Ensure accurate and complete reporting of risk events within the stipulated timeline (i.e. 7 calendar days).
\n\u00b7 Ensure adherence to all account opening procedures. KYC, profiling, minimum balance etc.
\n\u00b7 Treat customers fairly and explain full value proposition for the product and associated costs.
\nPeople Management (10%)
\n\u00b7 To ensure attendance of all recommended training relevant to the role. E.g. Bancassurance, sales and Service, wealth management, investment options, financial interpretation, etc.
\n\u00b7 Ensure KPIs are signed off with supervisor and performance management reviews conducted in a timely manner.
\n\u00b7 To take annual leave as prescribed through HC guidelines.
\n\u00b7 To share knowledge, experience and best practices with team members to ensure that team performance meets set service standards.
\nContact:
\n\u00b7\u00a0External:\u00a0Local Regulators on statutory matters, stock market, professional bodies, events managers.<\/p>\n
Internal:\u00a0Corporate Banking departments, Retail Banking departments, Treasury departments, Information Technology, corporate affairs, customer service.<\/p>\n
Requirements<\/p>\n
Qualifications & Experience:
\n\u00b7 Full Grade 12 Certificate with 5 credits or better; including English and Mathematics.
\n\u00b7 Degree in a related field.
\n\u00b7 5 years in the banking industry.
\nJob Core Competencies:
\n\u00b7 Understanding taxation laws and practical experience in application.
\n\u00b7 Appreciation of securitization and investment options.
\n\u00b7 Ability to profile customers and assess the needs of Private banking clients.
\n\u00b7 Understanding of all Zanaco Retail products and account opening, KYC requirements.
\n\u00b7 Understanding of relevant legislation e.g. KYC, Anti-Money Laundering, Banking code.
\n\u00b7 Ability to read market trends and inform the decision-making process.
\n\u00b7 Understanding people policies and processes.
\n\u00b7 Demonstrated complaint handling and skills certifications.
\n\u00b7 Verbal and written communication
\n\u00b7 Delighting customers
\n\u00b7 Networking\/Liaison
\n\u00b7 Persuading and selling
\n\u00b7 Drive for results
\n\u00b7 Analytical thinking
\n\u00b7 Teamwork
\n\u00b7 Customer Service Orientation
\n\u00b7 Analysis
\n\u00b7 Monitoring
\n\u00b7 Problem solving
\n\u00b7 Conceptual thinking
\n\u00b7 Strategic leadership<\/p>\n
Presentation and facilitation<\/p>\n
Disclaimer<\/p>\n
ONLY SHORTLISTED APPLICANTS WILL BE COMMUNICATED TO.
\nZanaco provides equal opportunity in employment for all qualified persons and prohibits discrimination in employment (women are encouraged to apply).<\/p>\n
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