Key Responsibilities:
Quality Management of Biashara Banking Portfolio
Overseeing the Micro business growth in line with "BIMSI" as per the bank strategy
Maintains the sector Par as per the set targets.
Ensure 100% compliance to the bank policies and procedures.
Contributes to the formulation of the Sector's strategy and ensures full implementation.
Stakeholder Management
Build strong relationships with key stakeholders, including risk management, operations, and technology teams, to gather input, align goals, and drive collaboration to ensure good quality asset portfolio.
Follow up on disposal of assets and ensure facilities under litigation are followed up and closed on in liaison with legal and Debt Recovery Unit.
Provide regular updates on Biashara banking product quality performance, roadmap, and strategic initiatives to improve the quality to the Head of Sector.
Credit Reference Bureaus: The quality sector champion will be required to check and confirm the branch recommendations on all customers who are due for listing with CRB's are listed, and those that to be exempted from listing and if the reasons given warrant the exemption before the necessary sign off is done.
Risk Management and Compliance:
Collaborate with risk management and compliance teams to ensure Biashara banking sector products comply with regulatory guidelines and internal policies.
Monitor and mitigate all-related risks, including credit risk, operational risk, and fraud risk, through robust risk assessment and mitigation strategies.
Stay updated on industry best practices, regulatory changes, and emerging risks in the retail space, proactively implementing necessary adjustments.
Performance Management
Build and develop a high-performance culture amongst the team members through embedding performance development and coaching.
Provide leadership and ensure total team engagement.
Measure and evaluate staff performance against key performance indicators.
Customer service
Ensure high standard of customer service, create and maintain lasting business relationships and partnerships with both new and existing clients.
Enforcing service delivery within the stipulated SLAs.
A brand ambassador of equity bank in the market.
Mentorship and Coaching
Ensure continuous training, mentorship, and capacity building for all team members.
Talent identification and alignment to available opportunities
Identifying staff gaps, new staff acquisition, training, and deployment to branches
Other roles include.
Liaison with various Sector internal and external Stakeholders in the Bank.
Advise the Segment Head - Biashara Banking.
Any other duties as may be assigned by the Regional General Manager and Segment head.
Qualifications
Education and Qualifications
Bachelor's Degree from a recognized University.
8+ years' work experience in credit.
Excellent understanding of micro finance industry practices.
Exhibits an exceptional degree of creativity and resourcefulness.
Guides and transfers knowledge to his/ her team.
Excellent business relationship management skills and business closure techniques.