Job Purpose:

The Relationship Manager will be responsible for developing and managing a portfolio of MSME clients, identifying business opportunities, and ensuring seamless delivery of banking solutions. The role demands a strong focus on business development, portfolio growth, risk management, and cross-selling to maximize MSME revenue.

The Person:

Qualifications/Experience:

• Bachelor's degree in finance, business Administration, organizational development, or related field.
• Minimum 7 years of experience in MSME banking, with at least 5 years in a business development role.
• Strong knowledge of credit analysis, risk assessment, and structured financing.
• A master’s degree qualifications and experience are an added advantage.
• Proven ability to build and manage high-value MSME relationships.

Competencies/Attributes:

• Strong business acumen with a deep understanding of MSME banking products.
• Strong negotiation and deal-closing abilities.
• Ability to work in a fast-paced environment and deliver results under pressure.
• Excellent communication and interpersonal skills to engage with MSME clients.

• Maintain a high level of client satisfaction in generating, managing and servicing a portfolio of MSME clients while ensuring the bank becomes the choice for their Investment and Banking.
• Identify and pursue new business opportunities to expand the MSME portfolio.
• Drive sales of MSME Banking products, including lending, deposits, and investment solutions.
• Develop and maintain a pipeline of potential clients and actively convert leads into business.
• Responsible for sales, self-management, credit analysis, proper loan structuring, applicant interviewing, and perceptive character judgment.
• Maintain high professional standards and strive to provide quality services and competitive pricing to clients.
• Leverage existing client relationships to cross-sell the bank’s full range of financial products.
• Ensure exceptional client service by addressing client needs and providing tailored financial solutions.
• Performing to plans as agreed, to drive profitability and increase market share.
• Monitor MSME portfolio performance, ensuring delinquencies and non-performing loans (NPLs) remain within acceptable thresholds.
• Work in close co-operation with Business Intelligence, Credit and Risk teams to ensure that impairments and losses are kept at a minimum
• Ensure recoveries for own portfolio are done daily and maintain the NPL to below set targets.
• Ensure full compliance with KYC, AML, and regulatory requirements, maintaining up-to-date client records.
• Adhere to the bank’s policies, standard operating procedures, and central bank regulations.
• Managing your own portfolio and ensuring that risk profiles (book mix) are managed by sales of the correct products within approved risk management criteria.
• Coordinate with Credit Department to ensure applications are processed within agreed TAT and escalate violations to the Head – MSME.
• Work in close co-operation with the Credit teams to ensure all necessary documentation is completed and all the procedures have been adhered to prior to drawn down.
• Any other official duty that may be allocated from time to time.

• Strong business acumen with a deep understanding of MSME banking products
• Strong negotiation and deal-closing abilities
• Ability to work in a fast-paced environment and deliver results under pressure
• Excellent communication and interpersonal skills to engage with MSME clients
• Strong knowledge of credit analysis, risk assessment, and structured financing

• Bachelor's degree in finance, business Administration, organizational development, or related field
• A master’s degree qualifications and experience are an added advantage