Relationship Manager - Consumer Banking

The Relationship Manager: Consumer Banking is responsible for managing and growing the portfolio of retail banking clients at Access Bank South Africa. This role focuses on building and maintaining strong relationships with individual customers, understanding their financial needs, and offering tailored banking solutions. The Relationship Manager will play a key role in driving customer satisfaction, retention, and growth within the consumer banking segment.

Client Relationship Management:

• Serve as the primary point of contact for a portfolio of individual clients, providing personalized banking services
• Build and maintain strong, long-term relationships with clients to ensure customer satisfaction and loyalty.
• Understand clients' financial needs and goals, offering tailored banking products and services to meet those needs.

Sales and Business Development

• Proactively identify opportunities to expand the client portfolio through cross-selling and upselling consumer banking products.
• Achieve individual sales targets and contribute to the overall growth and profitability of the consumer banking division.
• Develop and implement strategies to attract new clients, leveraging referrals, networking, and market research.

Product Knowledge and Advisory

• Provide expert advice on the bank’s full range of consumer banking products, including savings accounts, loans, credit cards, and investment options.
• Keep clients informed about new products, services, and promotions that may be of interest to them.
• Conduct regular reviews of clients’ financial situations and recommend appropriate banking solutions.
  

Customer Experience

• Ensure a superior customer experience by delivering high-quality service and addressing client inquiries and concerns promptly.
• Gather and analyze customer feedback to identify areas for improvement in service delivery and product offerings.
• Implement initiatives to enhance client engagement and satisfaction, ensuring a positive banking experience.

Risk and Compliance Management

• Ensure compliance with all relevant banking regulations, policies, and procedures.
• Conduct due diligence and risk assessments on client accounts, ensuring adherence to the bank’s risk management framework.
• Monitor and manage the creditworthiness of clients, taking proactive measures to mitigate potential risks.

Collaboration and Teamwork

• Work closely with internal teams, including product development, credit risk, and operations, to deliver comprehensive banking solutions to clients.
• Share market insights and client feedback with colleagues to support the continuous improvement of products and services.
• Participate in team meetings, training sessions, and other collaborative activities to contribute to the success of the consumer banking division

Academic Knowledge:

• Bachelor’s degree in Business, Finance, Marketing, or a related field; a postgraduate qualification is an advantage.
• Must have RE5

Work Experience:

• Minimum of 3-5 years of experience in consumer banking, retail banking, or financial services.
• Proven track record of managing client relationships and achieving sales targets in a retail banking environment.
• Strong knowledge of consumer banking products and services, including loans, deposits, credit cards, and wealth management.
• Excellent interpersonal and communication skills, with the ability to build rapport with clients and colleagues.
• Knowledge of the South African banking landscape and regulatory environment is essential.

General Business Competencies:

• Innovation
• Entrepreneurship
• Digital Appreciation

Behavioural Competencies:

• Leadership
• People Management
• Excellence
• Integrity
• Professionalism