Under the supervision of the Head Retail Banking – Segment Sales the following are among the Job Key Responsibilities:

In collaboration with Head-Retail and Business Performance, set performance targets for the team;

• Alternate Banking: Card Business and Internet and Mobile Banking targets
• Workforce Banking: Loans disbursed and number of companies onboarded on scheme. Acquisition of their employees.
• Women’s Banking: Alliance programs and female customer acquisitions.
• Bancassurance: Bancassurance targets and liaison with insurance partners
• Auto and Mortgage: Auto loan and Zanaco Home loan targets.
• Manage Deposits, Loans/Advances, Number of funded accounts, net interest income, fee and commission income and expenses and aim to achieve and/ or exceed these targets in order to achieve growth and profitability for the bank.
• To spear head Retail product promotion campaigns.
• Implement robust distribution network, develop and drive the retail banking sales strategy execution.
• Alignment of strategy to technology trends and provide competitive response, identify and take ownership of generating sales opportunities through various events and marketing efforts.
• Owning and delivering the alternate channel strategy as well as working closely with other businesses within Zanaco
• Strategically provide oversight on all Retail partnerships, campaigns, and enhancements with close collaboration with Client Solutions, IT, Business Banking, CIB and Operations’ Departments
• Strategically enable and foster a cost management framework that creates a sustainable business model.
• Deliver a consistently “aligned to client needs” customer value proposition that ties business strategy to innovation and digital journeys in a systematic and seamless manner
• To deliver standardized sales and service discipline across distribution points in order to ensure that a customer centric performance culture is maintained across the Retail Banking network in line with the Bank’s shared values
• Conduct a needs analysis to identify customer needs effectively when opening new accounts or giving product advice, in line with Banking and Financial Services Act.
• Complete disclosure to the customers in terms of accreditation, service fees, and commission.
• Drive the adherence to key regulatory requirements around Environment, Sustainability and Governance practices within the Business.
• Monitoring post acquisition engagement level with client, branch managers and workforce banking
• Monitoring the service level efficiency of workforce banking team and Alternate Banking team.
• To oversee preparations for Retail internal audits.
• To act as functional liaison for operational activities between Retail and all support departments.
• To ensure acceptable audit results and adherence to bank and regulatory procedures
  audits including health and safety audits.
• To work with various departments to support and implement new initiatives.
• Maintain adequate controls to ensure compliance with consumer protection statutes/regulations in a defined area of responsibility.
• Implement bank-directed changes relating to regulatory amendments.
• To review snap check findings, audit findings, and risk events and ensure all findings are closed within agreed timelines.
• To ensure completion of all projects within the allocated units.
• Perform any other duties as delegated by management.
• To ensure maximum collection of revenue.
  • Provide clear and consistent guidelines on vision and strategic goals
• To manage daily attendance and leave programs in compliance with relevant HR policies and procedures.
• Reward employees and the team based on exceptional performance
• To engage the team on issues raised in the eNPS with a view to resolve them
• Be an effective team player through communication, performance management, development plans and reward/recognition practices.
• Cultivate an environment that supports diversity and reflects Zanaco Brand
• Build a culture of continuous improvement in sales development
• Seeks opportunities to integrate, simplify and streamline activity through involvement of teams in the geographic and functional matrix.
• Works in a facilitative manner to build capability in progressing objectives, but does not lose sight of the profitability and productivity outcomes.
• Acts in a manner that transparently promotes the organization’s values and delivers in an aligned manner.
• Any other responsibilities assigned by managementINTERNAL/EXTERNAL CONTACT

  External:

• Local Regulators on statutory matters Internal:
• Corporate Banking Departments
• Business Banking Departments
• Treasury Departments
• Information Technology
• Branch Operations

 QUALIFICATIONS AND EXPERIENCE

• University degree in a relevant field or professional qualification from a recognized university.
• Eight (8) Years’ Experience in Banking or related field.

• Atleast 3 years’ experience in a leadership role

• Relevant business-related tertiary qualification.
• Strong numerical skills and financial acumen to analyze evaluate and identify trends in complex consolidated financial statements, balance sheets and ratios.
• A good knowledge of financial spreadsheet applications (e.g. Excel) to capture and analyze financial data.
• Good knowledge of general banking practices and procedures.
• A good understanding of the principles and practices of business economics and the current business economic environment.
• A good current knowledge of different industry sectors
• A good knowledge of financial investment options and electronic banking options for lead generation purposes.
• A good knowledge of competitor offerings and structures.
• Sound understanding of current taxation laws as they apply to the portfolio of customers.
• Negotiation skills.
• Good knowledge of technical portfolio management systems
• ZAQA Certification

JOB CORE COMPETENCIES

• Delighting Customers
• Networking / liaison
• Persuading and selling
• Drive for results
• Analytical thinking
• Rule orientation
• Teamwork
• Problem solving
• Verbal and written communication