Reporting to the Business Growth & Development Manager, the job holder will source for clients, retain them and maximize returns to the company by ensuring timely loan processing and payment. Growth of Liability, Asset, Bancassurance and quality Retail loan book in the branch through effective management of the Sales Teams.

KEY MEASURABLE GOALS

Growth in number of clients through Salaried loans Supervision of Sales Consultant team for optimum performance Monitoring and evaluation of the sales team. Optimizing the number of Sales Consultants per branch. Grow Deposits through signed up MOUs Ensure timely and diligent verification of loans Timely loan disbursement and repayments.

KEY RESPONSIBILITIES

Portfolio growth and management

• Outreach/recruitment activities in customer on-boarding
• Growth of Deposits both Cheap and Term deposit in line with the Bank Strategy
• Growth of the Loan book through quality disbursements.
• Growth of all Bancassurance products through all the Bank distribution
• Identify schools, Government office, Churches and Corporates in areas of operations
• On time Disbursement
• Client retention and on time service delivery
• To champion Salaried loans in the Branches
• Facilitate timely employer by-products and reconciliations and remittances
• Relationship Management of existing Schemes within the jurisdiction.
• Recruitment, training and effective supervision of Sales Consultants
• Performance Monitoring of Sales Consultants
• Value addition by expanding the revenue basket through salary processing in existing relationships.

Loan underwriting/processing

• Thorough documents scrutinization i.e. pay slips, national ID, staff IDs, etc
• Ensuring every application is approved by the authorized signatories by conducting work station verification.
• Documentation due diligence and integrity
• Compliance to audit standards and company policy
• Proper management of TAT on all loan applications.

Training Role

• Dissemination of information to prospective clients about Faulu.
• Recruitment, Continuous SCs training and Motivation
• Client motivation and enhanced relationship management.
• Ensuring clients understand operations policy

Default management

• Ensuring requisite employers’ approvals on all application.
• Understanding the underlying causes of default
• Compliance to policy in the initial period of recruitment
• Ensuring all the applications meets the third rule
• Prompt payment collection
• Timely Salary processing for the customers

A link with the public

• Liaise with local administration
• Ensure well-managed relationships with the institutional heads of various Corporates.
• Ensure well-managed relationship with HR functions of the serviced institutions and all relevant contacts.
• Ensure maximum value is derived from all existing and new partnership arrangements.

AML KYC & CFT Responsibilities

• Monitor, on a continuous basis, all transactions to ensure that unusual and suspicious transactions are reported to the Money Laundering Reporting Officer (MLRO)
• Implementing and enforcing the board approved AML, KYC & CFT policy in as far as is applicable within my area of responsibility

Requirements

Education

• Essential- Bachelor’s degree in any social sciences
• Desired- Diploma in sales and marketing

Knowledge and Skills

• Advanced knowledge in marketing and credit risk management.
• Good analytical skills especially using the business analysis tools

Experience

• At least 2 years related experience.
• At least 3 years in a sales related role

Personal Attributes

• Good communication and interpersonal skills.
• Excellent problem solving and decision-making skills.
• Team player/thinker
• A person of high integrity and professional decorum. Keen on timely achievement targets and

Physical demands

• Constant Travel