JOB PURPOSE

The SMEs Banking Product Specialist is primarily responsible:

Drive business growth of the assigned SMEs Retail Product(s) covering all MHB Branches
Play the role of Product Champion for all Relationship Officers of MHB Branches
Develop, expand and maintain a portfolio of Small Medium Enterprises (SMEs) Customers to achieve set budgets within overall bank objectives.
Develop and launch new SMEs retail banking products addressing the market gap.
Manage and maintain the entire SMEs Customers portfolio of all Branches in numbers and value.
Design, plan and formulate strategies for SMEs Unit to achieve business goals.
Ensure effective coordination with the Branches to boost up SMEs client base.

SUMMARY OF THE KEY DUTIES AND RESPONSIBILITIES

Overall, in charge of all SMEs customers portfolios (as Product Champion), managing and maintaining the entire MHB SMEs customers portfolio of all Branches.
Manage a portfolio of SMEs customers, focusing on increasing product penetration, profitability, and customer satisfaction.
Assessing portfolio at risk, minimizing NPA, and maintaining the quality SMEs customer's portfolio.
Recruiting new Companies for consumer lending
Minimize non-performing assets by proactively following up according to the banks credit policies and procedures on unpaid arrears and excesses.
Managing and guiding all SMEs Relationship Officers and DSAs to ensure a sound SMEs Customer portfolio.
Receiving, Appraising, and recommending all SMEs customers' credit proposals to the Head of SMEs and SMEs.
Work hand in hand with Relationship Officers to grow and maintain SMEs Customers portfolios.
Preparing weekly sales performance and business pipeline reports across all product ranges in the SMEs unit.
Prepare weekly reports based on the sales activities, achievements, and planning for corrective actions in case of variances.
Analyse and monitor the variance reports and advise accordingly.
Monitoring of the risk and debt collection.
Undertake other associated tasks/duties relating to your role as Retail Banking Product Champion.

A: Required Qualifications

Bachelors degree in Business Administration, Marketing, Banking and Finance, or any other relevant fields.

B: Required Experience:

Management skills and Excellent customer service capabilities
Negotiations and conflict resolution skills
Documentation and process management skills
Strong leadership with quick decision-making and management skills
Sufficient knowledge and understanding of the market
Team building & conflict management
Knowledge of credit risk and process
Knowledge of all relevant banking policies, processes, procedures, prudential guidelines, and guidance to consistently achieve required compliance standards or benchmarks.
Interpret, analyze, and evaluate data received from multiple sources of information.
Excellent planning, organization, and execution skills.
Product knowledge
Good communication and presentation skills.
Able to share valuable and understandable information on products and services.

C: Required knowledge and skills

Attention to detail with the ability to prioritize, work under tight deadlines, and deliver quality results.
Strong leadership and management skills.
Strong analytical, excellent written/verbal communication, interpersonal, and relationship-building skills.
Strong computer skills (Adobe Design Standard, Word, Excel, PowerPoint, web design and maintenance, etc.)
Strong networking and problem-solving skills
Excellent communication and organizational skills (both written and spoken) in English and Swahili. Skills Good communication and presentation skills.
Share valuable and understandable information on products and services.
Ensure compliance with credit and regulatory guidelines.
Being able to come up with solutions to product complaints received.
Develop, maintain, and expand relationships with SMEs Customers, to attain good quality asset book.
MBA will be an added advantage.