Summary
Date Posted: Thursday, September 19 2024, Base Salary: Not Disclosed

JOB DETAILS:
To manage existing relationships effectively so as to facilitate the growth of the Employee
Banking liability and asset growth portfolio within Personal Markets. Managing unsecured
portfolio delinquencies and ensuring that the flow rates are within the approved parameters.
Working with the sales coordination team, credit, Personal markets, branches and operations to ensure penetration of public sector companies through client acquisition, service delivery and retention.

Key responsibilities
1. Portfolio Management
• Monitor on a day to day basis delinquent customers (1-29 days) and work with branches
and companies to establish why they are delinquent.
• Track First Instalment Defaults (FIDs) and work through branch managers and regional
managers to ensure resolution.
• Ensure salaries have come through and advise the credit team where there are delays as
per the expected salary dates
• Follow up on the missed salaries and ensure resolution by the companies and provide
feedback to credit in case of terminations, resignations, deaths, deletions etc.
• Work with credit to align instalment due dates that are not aligned to employer payroll dates.
• Ensure salary diversions, resignations, death cases are followed up and resolved or
escalated to the credit team.
• Ensure readiness for the monthly portfolio review meetings and any reports are submitted to
credit in time.
• Ensure all loans are properly tracked under right employer codes and address the
ungrouped/wrongly grouped loans from proper tracking.
• Advise business on companies which exhibit high risk policies and practices hence control
and manage risk
2. Sales management
• Support sales staff to acquire profitable and quality business from the key companies in the
portfolio.
• Work with Branches and Regional managers to cross sell all the relevant bank products
(assets, liabilities, payroll etc.) in the allocated companies.
• Fully exploit the existing customer relationships to create new profitable business
opportunities.
• Work closely with SME and Corporate Banking teams in building relationships with some of
the key companies in the portfolio.
• Work with branch managers and employers to organize different sales activities/activations
at key companies for the sales staff to gain access to the employees of the target
companies.
• Support some applications that may require exceptional approval for some reason like
suspended schemes.
• Identify opportunities in non-empaneled companies and empanel them as per the approved
company empanelment process to drive penetration
Work with products team in the development and execution of initiatives for the acquisition,
retention and growth of target customer bases for liabilities and assets
3. Service
• Visit key companies to identify their needs, receive feedback and provide appropriate
solutions within our value proposition
• Escalate service issues within companies in the allocated portfolio (i.e. salary delays, double
deductions, wrong profiling, interest rates) to the appropriate departments
• Continuously monitor the performance of the companies for timely management of credit
limits, expirations and renewals
• Carry out any other duties that may be assigned to you from time to time.

KNOWLEDGE AND EXPERIENCE
1. Bachelor of Commerce/BBA/ Marketing or related degree from a recognized
University
2. At least 3-5 years’ practical sales and credit experience, with proven results.
3. General banking experience.
4. Exposure to branch sales or credit functions in a Retail Banking environment.

Work Hours: 8

Experience in Months: 36

Level of Education: Bachelor Degree

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