To source and maintain healthy personal banking portfolio (personal loans, accounts and e-products). Ensure that the customers’ banking needs are identified and fulfilled efficiently and cost-effectively, while managing risks associated with new accounts, loan portfolio, and related process flow.

KEY RESPONSIBILITIES:

• • Source 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.
  • Adherence to KYC and AML policies and procedures.
  • Cross sell bank products including assets, liability and electronic banking products
  • Sales calls and market intelligence gathering.
  • Receive and escalate both verbal and written customer complaints.
  • 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.

DAILY RESPONSIBILITIES:

• • Increased profitability as a result of quality growth in market share.
  • Increased cross-sale ratios.
  • Complaints and queries effectively managed.
  • Retention of satisfied, well-informed customers.
  • Ensure Credit loan applications are well captured in credit Analyst system and follow up for timely resolutions of customers disputes.

KNOWLEDGE, EXPERIENCE AND PERSONAL COMPETENCIES

• A degree or post graduate degree (Business and/or Finance related).
• Good understanding of banking products, policies and procedures.
• Sound knowledge of the KCB bank products and processes such as account opening and documentation.
• Credit knowledge including understanding and interpretation of financial statements.
• Understanding of behaviour and application scoring systems and how to use relevant scoring software.
• Understanding risk management principles, credit scoring principles and procedures.
• Understanding of competitors and their products and services.
• Attend relevant courses and e-learning sessions.
• Good understanding of existing customer profiles.
• The candidate should possess the following interpersonal competencies: Organized, proactive, Innovative, reliable, empathetic, persuasive, good team player, decisive, result oriented, energetic, active, with integrity and culturally sensitive.