Responsible for driving business growth in the Micro-SME segment by developing customer relationships, supporting lending and portfolio management, enhancing products, and ensuring compliance with banking policies and risk requirements.
Responsibilities
- Develop and maintain business relationships with existing and potential Micro-SME customers and act as the Bank’s key contact person.
- Assist branches in identifying and negotiating business opportunities to grow the business portfolio in line with annual targets.
- Initiate and conduct customer engagements, including focus groups, customer forums and workshops.
- Engage stakeholders to support Micro-SME business growth and safeguard the Bank’s interests.
- Manage sales leads through the entire funnel from first contact to contract maturity across branches.
- Participate in developing business operating flows, procedures and processes.
- Support the Manager, Micro-SME Lending, in soliciting and managing guarantee funds to enhance security cover for the Micro-SME loan portfolio.
- Support branches in credit structuring and appraisal of Micro-SME loan applications.
- Review the loan portfolio and recommend interventions to maintain approved performance indicators and targets.
- Support branches in soliciting deposits from Micro-SME customers.
- Benchmark the Bank’s products and services against competitors and advise on improvements.
- Explore, initiate and nurture emerging business leads and growth opportunities across branches.
- Monitor Micro-SME loan portfolio quality and ensure it remains within acceptable risk levels.
- Collaborate with the Product team to enhance and develop Micro-SME products and support product training and launches.
- Monitor Micro-SME product efficiency and effectiveness and recommend corrective measures.
- Review and advise on pricing of Micro-SME products to maintain market competitiveness.
- Develop and maintain a product catalogue for Micro-SME business.
- Participate with the Credit Unit in reviewing credit policies and procedures to address market, industry and regulatory changes.
- Address risk, compliance and audit issues related to Micro-SME business.
- Ensure compliance with Micro-SME procedures and loan covenants.
- Assist branches in monitoring portfolio performance and implementing appropriate interventions.
Requirements
- Business and credit analytical skills.
- Financial analysis and credit management.
- Credit structuring and analysis.
- Problem-solving and decision-making.
- Selling and negotiation skills.
- Written, verbal and presentation communication skills.
- Customer relationship management.
- Proficiency in Microsoft Excel, Word and PowerPoint.
- Critical thinking and good interpersonal, teamwork and networking skills.
- Ability to organize and manage stakeholder engagements.
- Leadership qualities, innovation, creativity and change leadership.
- Ability to prioritize and execute tasks in a high-pressure environment.
- Commercial mindset and product or service knowledge.
- Relationship-building and customer service delivery skills.
