Job Purpose:
Reporting to the Relationship Manager Business, the Regional Manager Personal Banking has the responsibility to coordinate all the personal banking business at the regional level to ensure the bank strategies, goals and objectives are achieved.
The Regional manager will support the business to achieve its objectives on Loan Book Growth, Deposit Mobilization, Quality management, Staff productivity, Mentorship and Training of staff and implement the bank’s strategy at the regional level.
Job Responsibilities/ Accountabilities:
Monitoring and Surveillance.
Relationship management of the personal banking borrowers in the region.
Regular engagement with staff on arrears management.
Snap check customer loan applications during branch visit to ensure compliance.
Query daily arrears report with the officers and branch.
Ensuring compliance of staff to P&Ps.
Train the BCC and branches on any amendments in the personal banking product offering.
Market Outreach & Promotion:
Hold consultative meetings with stakeholders e.g. Private, parastatals, NGO’s and Government institutions,
Prepare keynote message for general and specific forums to sell personal banking value proposition to the market.
Provide Marketing and promotion materials to the personal banking officers
Manage inquiries on Personal Banking at the regional level and in the marketplace.
A brand ambassador of Equity bank in the market through marketing storms and intuitional visits
Training, Mentorship & Coaching
Oversee and support in financial literacy in personal banking customers in the region
Recommend training budgets
Sensitizing officers on the newly signed MOUs for financial solutions for our stakeholders.
Cascade the personal banking product offerings to officers and the branches.
Induction & Training of new Personal banking staff.
Enhance the Organization culture and core values among the Sector Team members.
Growth of the Personal Banking Loan book.
Support branches in growth initiative such as marketing storms
Seek and manage Partnerships aligned to the portfolio growth objectives.
Relationship management of the depositors in the region.
Enforcing service delivery within the stipulated SLAs.
Participate in development of Sector Products and reviews based on market needs,
Participate in formulation of the Sector strategy and ensures its full implementation.
Staff Productivity
Monitor and hold weekly performance review discussions with Personal banking officers in the region.
Identifying staff gaps, training of new staff and deployment of staff to branches
Directs and executes the Organization staff performance management plans.
Regional Sector Staff Growth and development, Talent identification and recommendation for alignment to available opportunities
Generate & Share productivity report with the branches.
Other Roles
Liaison with various Sector internal and external Stakeholders in the Region
Update and advise the Segment Head- Personal Banking on progress of Personal banking business in the region.
Any other duties as may be assigned by the line manager
Qualifications
Qualifications and Experience
Business – related university degree
At least 6 years’ experience as a Relationship Manager – Personal Banking/ Consumer Lending.
Key Competencies & Skills
Excellent interpersonal skills and demonstrated conflicts resolution skills.
Strong coaching skills
Strong communication, presentation, and negotiation skills
Self-Driven, an eye for detail and capacity to meet strict deadlines,
Individual Leadership skills, Excellent Planning and organizing skills.
Mature personality & Team player
Flexibility and an ability to change focus areas when needed.
Self-motivated and a self-starter.
Excellent understanding of personal banking business
Exhibits an exceptional degree of creativity and resourcefulness.
Excellent business relationship management skills and business closure techniques.
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