To grow and maintain a healthy personal banking portfolio (personal loans, accounts and e-products) and to act as a reliable point of contact for new and existing personal banking customers. Ensure that the customers’ banking needs are identified and fulfilled efficiently and cost-effectively, while managing risks associated with new accounts, loan portfolio, account mandates and related process flow.

Key Responsibilities:
• Create and Manage client relationships and accounts to minimize attrition.
• Sourcing for new personal banking business opportunities in coordination with the sales team and other units.
• Participate in specific product campaigns by ensuring that the products are explained to customers.
• Adherence to KYC and AML policies and procedures.
• Cross sell bank products including assets, liability and electronic banking products
• Initiate personal loan applications and ensure good underwriting practices.
• Prepare and submit relevant reports.
• Managing personal banking portfolios and monitor daily branch budget for personal accounts.
• When selling loans to retail customers, complete the personal loans financial analysis of customers. Where customers don’t meet the minimum criteria, advise the customer verbally or in writing as the customer requires. Report such denials and details to the branch manager on a daily basis.
• Sales calls and market intelligence gathering
• Monitor and handle overdrawn, inactive, dormant and zero balance personal accounts and initiate relevant reports.
• Own and manage personal products at the branch and channel sales targets to contribute towards the out let sales objectives.
• Any other duties that may be allocated from time to time.
• Risk profiling of potential clients and ensure adherence to KYC and AML policies and procedures.

Skills And Requirements:
For the above position, the successful applicant should meet the following criteria,
• A university degree in relevant business discipline, any professional Qualification in General Banking is an added advantage.
• At least 2 years’ experience in sales and services and their relevance to Consumer customers.
• Ability to identify, analyze and structure consumer lending requirements.
• Thorough knowledge of banking products and services.
• Demonstrate knowledge of Digital Financial services and their relevance to customers.
• Strong communications, negotiation, and interpersonal skills with ability to win business.
• Passion for Performance.
• Open to New Ideas in a rapidly changing Business Environment and innovative.