To provide leadership and overall oversight in the execution of the set targets and pro-actively provide excellent leadership and relationship management to our SME and Retail Banking customers in order to attract and retain customers in line with the organizational objectives.

Reports to :
• Executive Director

Department :
• Business

Key Responsibilities:
The Head of Head of Business (SME & Retail) is responsible for overall supervision of activities, administration and efficient daily operations of the Business Development department, Branch Managers and Relationship Managers in accordance with the banks policies and Statutory regulations.
• Develop, execute and drive the Bank’s strategic and business growth plans consistent with the overall business strategies, including setting KPIs and objectives at both team and individual level.
Grow and maintain a quality SME asset and Retail portfolio for the bank.
Ensure constant flow of deals for credit analysis and appraisal.
• Mobilize deposits and assets for the entire bank through the Branch Mangers, Relationship managers and Relationship Officers.
• Develop and maintain relationships with key customers and other relevant bodies to ensure that the company maximizes its sales potential.
• Cross sell and retain SME & Retail clients so as to grow wallet share and value addition.
• Compile monthly, quarterly, and yearly reports for the purpose of measuring growth against target.
Train, coach, and manage the Business teams to ensure that plans are achieved.
• Ensure growth of Net interest income and non-funded income including foreign currency and trade finance income.
• Maintain a harmonious working relationship among the team and other stake holders.
• Participate in the development and ongoing review of the strategic plan providing specialist expertise and industry knowledge.
• Achieve a culture that is highly geared towards high performance, execution, results and long term relationships with customers.
• Provide input required to the Assets and Liability Management Committee and actively ensure adherence to guidelines.
• Implement and operationalize rigorous activity management and reporting across the branches.
Monitor market trends and changes in the regulations to ensure timely and efficient evolution to current practices.
• Develop business cases and take ownership of new service models for distribution focusing on; increased customer convenience, customer and deposits retention, cost optimization, new revenue generation and achieving operational efficiencies.
• Lead a high caliber team to achieve objectives, KPIs and share the vision and mission of the bank with branch teams to ensure outputs are consistent with bank strategies.
• Any other duties assigned by the supervisor in line with the role

Education.
•A first degree with a bias in business related field.

Experience.
• 7-10 years of professional experience in banking of which a minimum of 5 years should be in relationship management and Sales

Skills and competencies.
• Selling Skills
• Relationship Management and Networking Skills
• Good communication skills
• Team player
• Attention to detail Mental Skills : Analytical thinking
Work location : • Head Office