Head, Dedicated Banking

POISE NIGERIA OUTSOURCING COMPANY

JOB TITLE: Head, Dedicated Banking

REPORTS TO: Head, Retail & SME Banking

DESCRIPTION

Purpose/Job Dimension

The Head Dedicated Banking is responsible for leading and managing the Dedicated Banking unit within the Retail and SME Banking group. This role involves developing and implementing strategies to drive product sales, enhance customer relationships, and achieve growth in both volume and value of accounts, aligning with the bank's objectives.

Key Roles and Responsibilities

• Develop and execute strategic plans to promote the bank's products and services, ensuring alignment with the overall goals of the Retail and SME Banking division.
• Act as a trusted advisor on financial matters, addressing client inquiries effectively and resolving complaints promptly to maintain high levels of customer satisfaction.
• Cultivate and maintain strong relationships with clients, business heads, and internal stakeholders to drive product sales and customer acquisition within targeted markets.
• Oversee the promotion, cross-selling, and upselling of the bank's products to maximize revenue generation.
• Implement marketing strategies and programs designed to boost profitability and achieve set deposit targets by securing business and investment deals from individuals and corporate entities.
• Ensure the creation of quality risk assets to meet established targets, including packaging customer credit requests in line with the bank's credit policies and procedures.
• Monitor customer compliance with credit agreements and ensure adherence to Know Your Customer (KYC) requirements.
Lead and manage the Dedicated Banking team, including planning marketing calls, monitoring performance against plans, and fostering a culture of high-quality client service and customer retention.

Required Skills and Competencies

• Strong business acumen and analytical skills.
• Excellent relationship management and interpersonal abilities.
• Proficiency in computer programs, including MS Word and Excel.
• In-depth understanding of business processes.
• Keen attention to detail.
• Enthusiastic and passionate commitment to delivering exceptional customer service.
• Proactive decision-making capabilities.
• Strong analytical and problem-solving skills.
Unquestionable integrity and a high level of commitment.

Experience and Qualifications

• Bachelor’s degree in finance, Accounting, Economics, or a related discipline from a recognized university.
• A postgraduate qualification or relevant professional certification is an added advantage.
• A minimum of 8 years of banking experience in sales and credit, with at least 5 years in a senior role within operations management.
• Comprehensive knowledge of basic accounting and financial analysis, business law, business/financial advisory services, banking operations, leasing, trade services, and relevant banking laws and regulations.
• Proficiency in credit risk assessment and analysis, relationship management, networking, business writing, and presentation skills.
A solid understanding of economic trends and their implications for the banking and finance sector.

Key Performance Indicators

• Growth in customer volume and value.
• Effectiveness in customer experience and cross-selling initiatives.
• Customer satisfaction index.
• Customer retention index.
• Profitability rate.
Quality and timeliness of reporting.

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