Head of Small & Micro Business

Responsibilities:

• Develop and execute the small and micro strategy and tactical business development plan, considering the market opportunity/growth potential, existing capabilities and risk appetite.

• Select target markets and refine customer propositions to enhance the banks’ existing capabilities and competitive position.

• Provide essential support to small and micro businesses across the network, ensuring their growth and success.

• Innovate and customize products and service offerings tailored to the small and micro business segment.

• Ensure the integrity of our lending practices to maintain a high-quality book.

• Define measurable business growth objectives and management processes.

• Foster a service-based sales culture to spur business growth and relationship management.

• Conduct regular engagements to review goals, assess progress and optimize team performance.

• Recognize and reward sales performers in line with the approved parameters.

• Collaborate with internal teams to ensure coordinated efforts and alignment with overall business objectives.

• Manage and design mitigants to all risks associated with this line of business

• Ensure compliance with all regulatory requirements.

• Carry out any other duties as may be assigned by the head of department or management.

Business Behaviours:

• The ability to communicate clearly both verbally and in written form in a professional manner is deemed essential.

• Ability to build functioning working relationships across organizational, corporate, and cultural boundaries.

• Takes clear accountability and focuses on delivery of broader corporate goals.

• Ability to take decisions and progress towards goals in conditions of uncertainty.

• Ability to demonstrate positive image and role model PBU’s values and leadership behaviours.

• Must be a person of impeccable integrity.

Financial Responsibility:

• Manage the small and micro business budget.

• Achieve the agreed financial targets related to revenue growth, customer acquisition, product mix as well as balance sheet.

• Responsible for cost control and keep within agreed SME budgets.

Qualifications:

• A degree in finance, Business Administration, Economics, or a relevant field.

• Certified banking qualification or master’s degree is an added advantage.

• Relevant practical training in SME business growth in the financial services sector.

• Strong critical thinking, analytical and problem-solving skills.

• Excellent verbal and written communication skills.

• A minimum of 7 years’ experience in a banking environment with at least 4 years in the relationship management function.

• Proficiency in business development, customer service, relationship/people management skills, negotiation, leadership, marketing, selling and credit analysis.