Job Description
Provide a responsive, pro-active, and proficient personal relationship banking service to a portfolio of customers in order to grow market share and retain existing business.
- Establish and build superior relationship in the assigned portfolio by delivering the seamless expected level of service, specifically focusing on a proactive contact or calling strategy and program.
- Interact and build strong relationships with relevant stakeholders and business partners (e.g Credit, Personalization, Digital and E-commerce, Affluent Team, Branch Team, Global Markets etc.) in order to provide a seamless solution to the clients banking requirement
- Ensures an efficient on boarding experience for the customer, to minimize the switching impact.
- Manage the “Cost of Sales” through evaluation of margins, cost of service and the utilization of multichannel delivery strategies, such as actively managing client migration onto the digital banking channels
- Acquire and retain quality business in line with the Customer Value Proposition, segment income specifications, acquisition targets and segment strategy to increase market share.
- Ensure value add to customers while growing the bank profitability through financial advisory to clients, cross-selling with a focus on wealth creation and lending opportunities.
- Measure, track and manage sales targets and budgets for the portfolio
Qualifications
- Bachelors degree in Business Studies or a related field from a recognized university
- At least 2 years branch banking experience with proven performance track record
- Exposure to customer service required
- Previous sales experience
- Good knowledge of Personal Banking value proposition
- Sound knowledge of bank products/services for Personal Banking clients
- Knowledge of the risk management and credit principles
- Good knowledge of bank policy regarding product criteria, pricing, charges and interest rates
- Knowledge of competitor products and services
Additional Information
Behavioural Competencies:
- Checking Things
- Convincing People
- Exploring Possibilities
- Following Procedures
- Generating Ideas
- Impressing People
- Interacting with People
- Inviting Feedback
- Meeting Timescales
- Pursuing Goals
- Seizing Opportunities
- Showing Composure
- Taking Action
- Team Working
- Thinking Positively
Technical Competencies:
- Application & Submission Verification
- Effective business communication
- Banking Process & Procedures
- Sales Planning and Reporting
- Client Retention
- Customer Understanding
- Risk Awareness
- Product Knowledge