Main Duties & Responsibilities
Strategy implementation
Implement sector strategy in line with the overall Sector Strategy.
Deliver on Annual Business Growth Targets: Revenue, Fees and Commissions, Profit Before Tax, Assets, Liabilities and Customer Numbers.
Drive sustainable growth through understanding customer/prospects needs and delivering innovative and customized financial solutions to meet identified customer needs.
Develop in-depth knowledge of the client's strategy, business, financial performance, industry outlook/trends, specific sector knowledge and general macroeconomic issues and trends in the country and other relevant geographies and ensure that this is transferred to the relevant internal stakeholders.
Sales and business development
Execute client deals in line with developed strategic client plans.
Executes sales growth tactics and targets in collaboration with business partners (e.g. Sectors, Product Management teams, Bancassurance, Capital and any other business partners).
Ensure strong cross- selling of existing and new products to existing and new clients.
Responsible for maintaining a healthy link between the Balance Sheet and Income Statement through managing the margins at which facilities are made available to clients in the portfolio.
Implement and control the pricing tactics and parameters for the portfolio in line with pricing policy and financial targets.
Drives the growth of non-financial performance such as new customer acquisition, Net Promoter Score, updated customer information, accurate segmentation of customers in the portfolio.
Client and Stakeholder Relationship Management
Champion the delivery of consistent, seamless and trusted customer service to ensure customer retention and loyalty.
Personally maintain and deepen client relationships at the appropriate level and foster long-term client interest.
Relationship Management of Key Sector Customers and Stakeholders.
Develop critical relationships with client decision makers and regularly define and communicate commercial opportunities for new and existing clients of KCB Group.
Collaborate with internal teams (credit, legal, operations, technical specialists) to deliver integrated solutions.
Engage with external stakeholders such as regulators, suppliers, and industry associations.
Client Portfolio Management
Manage and monitor a portfolio of mining clients, ensuring profitability and sustainability.
Track key performance metrics including revenue growth, client retention, and risk exposure.
Monitor daily referrals to ensure that client facilities are managed within the parameters set by the Bank
Exercising discretion regarding account conduct based on a close knowledge and understanding of client activities
Prepare reports on client performance, business development activities, and portfolio health.
Risk Management
Ensure timely submission of quality credit proposals in conformity with the Credit Policy guidelines and requirements.
Maintain the quality of assigned portfolio within stipulated Non-Performing Loans (NPL) and Portfolio at Risk (PAR) parameters.
Manage and maintain robust monitoring, controls, business continuity, governance and risk management environment
Ensure timely preparation of relevant reports and daily monitoring of accounts to ensure facilities have accurate interest rates, are within the approved limits, and taking remedial actions in line with policy.
Ensure compliance to the Bank's policies, procedures and regulatory requirements.
Academic & Professional Qualification
Essential
Desirable
University Degree in any relevant field
Professional qualifications (CPA, ACCA, AKIB)
Master's degree in a relevant field from a recognized institution is an added advantage.
Post graduate and or Banking qualifications will be an added advantage
Professional qualification in sales / marketing
Work Experience & Skills
Essential Desirable
Minimum five (5) years' experience in the mining sector.
Commercial awareness of the mining sector ecosystem.
Experience working with industry actors in the mining sector (upstream and downstream actors)
Mining bank product development
Excellent research, analytical, and problem-solving skills.
Entrepreneurial and Commercial thinking
Strong persuasion, management and communication skills
Excellent stakeholder management skills
Banking/financial services experience
Structuring of mining deals within Financial services industry
High degree of interpersonal skills when dealing with a range of people and situations.
Good computer skills
Negotiation and Influencing skills