Our core objective is to effectively fulfill the designated responsibilities of this position, focusing on delivering exceptional performance and contributing to the organization’s overarching goals. Key duties include managing and executing strategic initiatives, overseeing daily operations, and ensuring alignment with company objectives. Additionally, the role demands strong analytical skills, proficiency in relevant software and tools, and the ability to collaborate across departments to drive cohesive results. Qualifications required encompass a relevant degree, a minimum of [X] years of applicable experience, and demonstrated expertise in [specific field/skills], along with excellent communication and leadership capabilities.
Reporting to the Relationship Manager of Business Banking, the Relationship Officer for Bashar Banking is tasked with overseeing and coordinating all microbusiness accounts within their portfolio to ensure alignment with the bank’s strategic goals and objectives.
Oversee and execute a comprehensive range of critical duties, ensuring alignment with organizational objectives and operational standards. Identify and implement process improvements to enhance efficiency, productivity, and overall performance. Collaborate closely with cross-functional teams to foster innovation, resolve challenges, and drive project success. Maintain meticulous documentation, compliance with policies, and adherence to regulatory requirements. Serve as a pivotal liaison between departments, facilitating seamless communication and coordination. Monitor key performance indicators to assess progress and implement corrective actions as needed. Provide strategic recommendations to senior leadership based on data-driven insights and market trends. Ensure the timely completion of deliverables while upholding quality benchmarks and client expectations.
Facilitating new client integration and ongoing customer relationship oversight encompasses overseeing the onboarding process and maintaining high levels of customer satisfaction through attentive management.
Onboard retailers and customers across diverse ecosystem value chains and digital platforms, including WE and the JAZZY APP.
Prospect and secure new client relationships by identifying and engaging potential leads.
Engage in proactive outreach initiatives and cultivate enduring partnerships to foster customer loyalty and retention.
Leverage current collaborative relationships to broaden the client portfolio and enhance market reach.
Loan Processing and Compliance involves meticulously verifying and validating loan applications to ensure adherence to regulatory standards and institutional policies. This role demands a keen eye for detail to accurately assess documentation, confirm eligibility criteria are met, and mitigate potential risks. Additionally, it requires staying current with evolving financial regulations to maintain compliance and safeguard organizational integrity. Strong analytical skills and proficiency in compliance frameworks are essential for identifying discrepancies, resolving discrepancies, and ensuring seamless transaction processing.
Guide customers seamlessly through each stage of the loan application process, conducting on-site business and residential visits to authenticate financial details and collateral.
Facilitate prompt loan approval and fund disbursement in adherence to established Service Level Agreements (SLAs).
Present and obtain client approval for requests while ensuring security compliance and proper fund disbursement.
Promptly address and commence the recovery procedures for accounts that have surpassed their payment deadlines.
Drive marketing initiatives and execute sales strategies to enhance brand visibility, generate leads, and increase revenue. Develop and implement comprehensive marketing campaigns across digital and traditional channels, while collaborating with cross-functional teams to align messaging and maximize ROI. Identify and pursue new business opportunities, nurture client relationships, and meet or exceed quarterly sales targets through strategic planning and proactive engagement. Analyze market trends, customer insights, and competitive landscapes to refine approaches and ensure sustained growth.
Execute strategic marketing initiatives to acquire and integrate new customers into the organization’s client base.
Identify opportunities to promote and sell additional banking products and services to existing customers, as well as enhance the value of current offerings through strategic recommendations.
Cultivate robust ecosystems by utilizing established connections to foster growth and collaboration.
Ensuring compliance with established training protocols and adherence to organizational policies.
Equip branch personnel with comprehensive knowledge of Bashar Banking lending policies, procedures, and emerging product offerings through targeted training initiatives.
Serve as the primary steward of bank policy within the branch, rigorously upholding credit policies to ensure full compliance.
Provide exceptional customer service and technical support by addressing inquiries, resolving issues, and ensuring client satisfaction through timely, professional responses. Collaborate with cross-functional teams to identify trends, improve service delivery, and enhance overall customer experience. Maintain accurate records of interactions and solutions in the designated system to ensure consistency and compliance with company standards. Demonstrate strong problem-solving skills, patience, and empathy to handle diverse customer needs effectively.
Deliver exceptional customer service, expedite loan processing, and ensure timely responses to loan inquiries.
Collaborate with both internal and external stakeholders within the branch setting.
Engage clients in financial literacy initiatives while providing guidance on accurate record-keeping practices.
Portfolio and Relationship Management entails overseeing client assets and fostering enduring professional connections to ensure sustained satisfaction and growth. This role demands meticulous attention to detail, strong analytical abilities, and excellent communication skills to align investment strategies with client objectives. Responsibilities include monitoring portfolio performance, conducting periodic reviews, and providing tailored financial recommendations. Additionally, maintaining robust client relationships through regular engagement and proactive service delivery is essential. Candidates must demonstrate a deep understanding of financial markets, regulatory compliance, and client-centric approaches to excel in this position.
Develop and maintain a current portfolio management toolkit to facilitate effective customer follow-up.
Perform post-disbursement assessments and establish baseline profiles for all customers.
Responsible for gathering and documenting client deposits, ensuring accurate record-keeping and compliance with established financial protocols. Maintains meticulous documentation of all transactions, verifying completeness and correctness of deposit records. Collaborates with internal teams to reconcile discrepancies and address any discrepancies in deposit-related data. Ensures adherence to regulatory guidelines and internal policies throughout the deposit mobilization process.
Experienced professionals are required to drive deposit growth initiatives, actively sourcing and securing new deposit accounts to enhance the bank’s liquidity position. The role demands a proactive approach to cultivating relationships with existing and prospective customers, ensuring high levels of client satisfaction and retention. Proficiency in financial analysis and a deep understanding of deposit products are essential, along with the ability to meet or exceed monthly and quarterly deposit targets. Strong interpersonal and communication skills are necessary to effectively collaborate with internal teams and external stakeholders.
Bachelor’s degree in Computer Science, Engineering, or a related field is required. Additionally, a minimum of 5 years of professional experience in software development is essential. Proficiency in multiple programming languages, including but not limited to Python, Java, and C++, is mandatory. Familiarity with cloud platforms such as AWS or Azure is highly desirable. Strong problem-solving skills and the ability to work collaboratively in a team environment are crucial. Excellent communication skills, both written and verbal, are also necessary to effectively convey technical concepts to non-technical stakeholders.
A candidate with a university degree is preferred, with a focus on fields such as Education, Social Sciences, or Business-related disciplines.
Achieved a C+ average grade in the Kenya Certificate of Secondary Education (GCSE) examinations.
With a minimum of three to four years of hands-on experience in the financial services industry, preferably in a sales capacity, the ideal candidate will have a proven track record of success in driving revenue and cultivating client relationships.
Proficiency in the microfinance sector is highly desirable.
With a proven track record in project management, experience in monitoring and evaluation will be considered an asset.
Displays remarkable ingenuity, creativity, and resourcefulness in all aspects of the role.
Proven expertise in cultivating strong business relationships and implementing effective negotiation strategies for successful deal closure.
Capable of formulating, strategizing, organizing, and executing initiatives in alignment with established business objectives.
Proven ability to effectively communicate and collaborate with diverse teams, coupled with a strong aptitude for addressing and resolving conflicts constructively.
Proven ability to deliver effective training and coaching sessions, fostering skill development and professional growth among team members.
Effective communication, persuasive presentation, and adept negotiation capabilities are essential.
Demonstrates exceptional proficiency in analytical reasoning and the capacity to resolve complex issues effectively.
Qualifications
BA/BSc/HND , KCSE
Experience Required
3 - 4 years
