Relationship Manager – SME / Direct Sales

The Relationship Manager is responsible for developing and maintaining relationships with a portfolio of SME Banking customers and be key personnel within customer companies.

The Relationship Manager is responsible for developing and maintaining relationships with a portfolio of SME Banking customers and be key personnel within customer companies. The Relationship Manager needs to conduct business reviews, sales research, customer relationship development using market and industry information and risk management for the portfolio to ensure that customers are satisfied with their products and services and promote cross selling.

KEY RESPONSIBILITIES:

• Provide personalized and attentive service, addressing customer needs and concerns promptly, leading to higher satisfaction and loyalty.
• Understand the market dynamics, culture, and customer preferences to enable more effective engagement.
• Identify and pursue new business opportunities, partnerships, and market segments, contributing to the company’s growth and expansion of the business. Grow a portfolio of profitable customers and serve them in the best interest of the bank.
• Maintain strong relationships and regular communication to retain clients, reduce churn rates, and foster long-term profitable partnerships.
• Act as a mediator to resolve any disputes or issues between clients and the company, ensuring smooth operations and maintaining a positive reputation.
• Gather valuable feedback from clients, providing insights that can drive product or service improvements and innovation through digitalization.
• Differentiate MauBank from other active players in the market, such as MCB, ABSA, SBM, and SBI.
• Manage a portfolio of Retail business and SME clients, developing mutually beneficial business opportunities and maximizing revenue.
• Drive business development and sales.
• Approach, negotiate terms, and contract with business and SME prospects.
• Control the quality of the portfolio using available triggers and adherence to Risk Management guidelines and policies.
• Acquisition of profitable new customers for business through the creation, development and maintenance of high-quality advisory relationships that includes effective consultative selling and creative restructuring of financial solutions (within segmentation boundaries-Retail & SME)
• Establish new borrowing relationships and preparing the required credit and financial analysis as per the bank policies and procedures to enhance the bank’s market share
• Meet set financial targets.

PREREQUISITES:

• Degree in Banking/& or with 3-5 years’ experience as a Relationship Manager in a banking environment.
• Customer-focused with the ability to respond to customer needs and evaluate customer satisfaction.
• Sufficient knowledge of modern management techniques and best practices.
• Active listener with the ability to give full attention at all times.
• Result and target-driven with the ability to meet sales targets and production goals.
• Familiarity with industry rules and regulations and well-versed with banking guidelines.
• ESG exposure would be highly beneficial.

SKILLS:

• Relationship Management.
•  Problem Solving and Analysis.
• Communication Skills.
• Understanding of Business, Government and Industry Processes.
• Interpersonal Style.