Reporting to the Director Retail Banking, the Head of SME, will be responsible the growth & profitability of the SME Banking and small holder Agribusiness Segment through the development and execution of the SME & Agribusiness strategy whilst maintaining high level of customer satisfaction
Head Of SME Job Responsibilities
Develop and lead the implementation of the SME Sector strategy in line with the overall Retail Banking Strategy; to ensure achievement of profitability targets through revenue maximization and prudent cost management.
Drive sustainable growth and acquisition of new customers for the SME Banking & Agribusiness business through the creation, development and maintenance of high quality advisory relationships.
To build and maintain productive and strategic relations with customers/ suppliers/ line manager/ stakeholders to drive the development and delivery of business solutions and revenue growth for the SME Sector.
To drive customer-led propositions for the SME & Agribusiness segment by developing a pipeline of value adding customer solutions to include customer experience, products, and service offers.
Manage an effective SME customer’s loyalty program for networking and deepening of KCB SME market penetration through the Biashara club/ KCB Entrepreneur’s club.
Ensure strong cross- selling of existing and new products to existing and new clients; and in this process, maintain effective liaison with all relevant business units in the Bank.
Champion the delivery of consistent, seamless and trusted customer service to ensure customer retention and loyalty.
Facilitate training programs to enhance product knowledge to the Business Banking teams, branch staff and sales teams on SME and Agribusiness Products.
Maintains a detailed and current understanding of the industry; (at a macro, SME & Agribusiness, current market structures; regulatory requirements and issues) to ensure that that opportunities are realized and the risks mitigated.
Ensure timely submission of quality credit proposals in conformity with the Credit Policy guidelines and requirements whilst maintaining the quality of the SME portfolio within the stipulated Non-Performing Loans (NPL) and Portfolio at Risk (PAR) parameters.
Ensure compliance to the Bank’s policies, procedures and regulatory requirements.
Lead, motivate, and continuously develop a credible high performing SME team.
Qualifications for the Head Of SME Job
A university degree in a Business related area. Possession of a post graduate degree or professional qualification in a related field will be an added advantage
At least 8 years general banking experience at Senior management level and 5 of which must be in the Small Medium Enterprise (SME) sector and must have:
Experience in Credit analysis and administration.
Experience in Customer service/Relationship Management.
Experience in Sales & Product development.
Experience in Agribusiness is essential
Demonstrated consistent high performance in role(s) held in the last three years
A thorough knowledge of Small Medium Enterprise (SME) Products, Retail Banking products and services, and extensive Banking Industry knowledge.
Excellent interpersonal, and negotiation skills with the ability to network, generate new business and develop strong business relations.
Strong leadership skills with demonstrated competences in championing high performance management.
A good understanding of risk, credit policies and procedures.
Excellent planning, Organization, problem solving and analytical skills.
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