Job Summary

To drive SME business growth through client acquisition, lending expansion, deposit mobilisation, and strong team leadership, while maintaining portfolio quality and profitability.

Responsibilities:

SME Client Acquisition & Lending Growth

• Drive acquisition and onboarding of SME and MSME clients.
• Deliver SME and MSME lending disbursement targets.
• Build and manage a strong pipeline and improve conversion rates.

Portfolio Productivity & Revenue Optimisation

• Manage average loan size and yield to ensure profitability.
• Drive utilisation of approved credit limits.
• Ensure sustainable and quality growth of the SME loan book.

Deposits Mobilisation & Liability Growth

• Deliver net deposit growth targets across SME customers.
• Increase proportion of low-cost deposits (CASA).
• Optimise cost of funds on SME deposits.
• Drive fee income from SME transactional banking activities.

Portfolio Quality & Risk Management

• Maintain portfolio quality within acceptable thresholds.
• Ensure early identification and resolution of arrears.
• Uphold strong credit underwriting, monitoring, and reporting standards.
• Ensure compliance with internal policies and regulatory requirements.

Market Intelligence & Business Strategy

• Monitor SME market trends, customer needs, and competitor activity.
• Provide input into product development and commercial strategy.

Sales Leadership & Team Management

• Lead SME sales teams to achieve aggregated targets.
• Drive staff productivity (business per staff).
• Conduct performance management, coaching, and development.
• Maintain acceptable attrition levels and succession planning.

Qualifications & Experience

• Bachelor’s degree in Business, Finance, Economics, or a related field
• Master’s degree is an added advantage
• Minimum 7–10 years’ experience in SME banking or business development
• Proven track record in lending, sales, and portfolio management
• Experience managing and leading sales teams

Skills & Competencies

• Strong sales and negotiation skills
• Leadership and team management capability
• Commercial and financial acumen
• Credit and risk understanding
• Relationship management and networking ability
• Strategic thinking and execution
• Results-driven with strong performance orientation

• Drive acquisition and onboarding of SME and MSME clients.
• Deliver SME and MSME lending disbursement targets.
• Build and manage a strong pipeline and improve conversion rates.
• Manage average loan size and yield to ensure profitability.
• Drive utilisation of approved credit limits.
• Ensure sustainable and quality growth of the SME loan book.
• Deliver net deposit growth targets across SME customers.
• Increase proportion of low-cost deposits (CASA).
• Optimise cost of funds on SME deposits.
• Drive fee income from SME transactional banking activities.
• Maintain portfolio quality within acceptable thresholds.
• Ensure early identification and resolution of arrears.
• Uphold strong credit underwriting, monitoring, and reporting standards.
• Ensure compliance with internal policies and regulatory requirements.
• Monitor SME market trends, customer needs, and competitor activity.
• Provide input into product development and commercial strategy.
• Lead SME sales teams to achieve aggregated targets.
• Drive staff productivity (business per staff).
• Conduct performance management, coaching, and development.
• Maintain acceptable attrition levels and succession planning.

• Strong sales and negotiation skills
• Leadership and team management capability
• Commercial and financial acumen
• Credit and risk understanding
• Relationship management and networking ability
• Strategic thinking and execution
• Results-driven with strong performance orientation

• Bachelor’s degree in Business, Finance, Economics, or a related field
• Master’s degree is an added advantage
• Minimum 7–10 years’ experience in SME banking or business development
• Proven track record in lending, sales, and portfolio management
• Experience managing and leading sales teams