Manager (SME Business)

Responsibilities:

Sales and Business Growth

• Responsible for developing a growth strategy focused both on financial gain and customer satisfaction.
• Responsible for handling big ticket loans and deposit sales from GHS 500,000.00 upwards.
• Responsible for ensuring the achievement of monthly targets for both deposits and loans.
• Responsible for coordinating marketing sales and support activities for the business, including the design, supply, and distribution of marketing materials to prospective clients.
• Build a pipeline of prospective clients, and actively engaged such clients to convert them to active clients.
• Scan the market and feedback competitor offerings to inform product/process or go-to market strategy reviews.
• Employ a 360-degree perspective, and a value chain approach on business development to harness potential around clients.

Customer Care and Relationship Management

• Responsible for ensuring the maintenance of excellent relationships between the business and its clients.
• Segmentation of client portfolio to inform relationship management strategies.
• Collect and feedback all client complaints.
• Responsible for ensuring the effective implementation of service recovery initiatives to ensure that clients complaints are effectively addressed.
• Coordinate client visits by business and senior managers.
• Must ensure client loan requests are processed within prescribed TAT standard.
• Must assist clients by delivering solutions and services as provided by the institution.

Credit Analysis

• Responsible for the assessment of applications made by prospective clients in line with provisions, guidelines and standards as set out in the SME Credit Policy.
• Responsible for the preparation and presentation of credit requests to the Credit Committee
• Ensure a credit proposal is based on a thorough understating of a clients’ businesses dynamics, including risks and capacity to service the exposure.

Portfolio Quality

• Must support collections team with “soft collections” techniques when required.
• Responsible for the achievement of monthly portfolio quality standards set for the business.
• Responsible for adherence to agreed Compliance standards.

General Coordination of the Team

• Ensuring all team members are productive.
• Ensuring each team members submit a minimum of 2 cases for disbursement every month.
• Coordinating team travel requests.
• Following up with various departments and stakeholders to ensure efficient conversion of cases.
• Ensuring weekly reports are prepared in time for weekly sales meetings.
• To lead by example.
• Any other duties specifically assigned by your supervisor.

Reporting

• Responsible for weekly reporting on progress and performance to Management.
• Responsible for any other task(s) that Management may assign.

Requirements:

• Degree in a related field
  
• Good selling and persuasion skills
• Good analytical skills
• Previous experience in similar role in a reputable institution would be advantageous.
• A demonstrable network of potential clients ready to on-board
• Must be focused, organized and able to meet deadlines.
• Must take pride in delivery quality every time.
• Excellent knowledge of the Ghanaian small and medium business climate and preferences
• Must be a very experienced Branch Manager, Relationship Manager, Credit Risk Manager and/or Business Manager

Skills / Attributes:

• Analytical and hard working
• Self-motivated
• Excellent communication and interpersonal skills
• Ability to drive sales while maintaining an eye for portfolio quality.
• Team spirit is essential.

Interested applicants should send CVs to humancapitalrecruitments24@gmail.com .

Only shortlisted applicants will be contacted.

Deadline for submission is 2nd May 2023.