Background

The genesis of Gulf African Bank (GAB) can be traced back to 2005, when a group of motivated Kenyans envisioned establishing an Islamic bank as an alternative to conventional banking in the country. By conducting business on the principles of Shari'ah, the bank would provide an ethical and fair mode of banking for all. Gulf African Bank is the first a...

Job Purpose

To achieve business growth in the retail segment.

The role holder will have a holistic view of all accounts within his/her portfolio, using lead generation and account prioritization to cross sell Bank products and extract value from said portfolio whilst maintaining/building customer relationship and account information.

Key Responsibilities

Acquisition: Business Development

• To ensure growth of Branch Retail Portfolio (NFI, Deposits and assets) through the acquisition of new to bank customers through the Business sales officers and lead generation.
• Actively generates referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity
• To ensure acquisition of customers to digital channels
• To effectively manager and expand the relationships with existing Retail Banking clients and bringing in new partnerships from existing portfolio so as to ensure business growth and continuity

Portfolio Profitability (Cross-Sell & Retention)

• GAB Express size (Product per customer, Non funded income, deposits and assets) by deepening existing customer relationships.
• Ensure a clear retention plan for overall portfolio deposits and loans for the segment, to execute this plan in conjunction with Branch Managers.
• Monitor account planning for all clients that will assist in advising on potential financial solutions based on identified needs.
• Assist in resolving queries in a timely and appropriate manner.
• Assist in collaborating with product specialist to deliver effective customer solutions.
• Ensure fulfilment of minimum customer relationships touch points e.g. 1 visit every quarter and 1 call and email a month a month depended on customer segment.
• Prepare and submit all reports may prepare management reports summarizing individual and team loan activity.
• Ensure all customers are on-boarded on a digital platform i.e. Gabpesa, internet banking.
• Ensure PPC of 3 across the portfolio. To understand business, their life-cycles and the various product offerings that can be given to the customer.
• To evaluate credit proposals and ensure the credit applications process on a timely basis with the bank’s set turnaround times

Customer and Markets

• Maintaining/updating customer data on parameters such as Business turnover/ directors details etc.
• Ensure all customers engagements are recorded accordingly

Compliance

• To ensure compliance with both internal and external regulatory requirements
• To continuously follow business operational and credit policies ensuring their compliance
• Ensure compliance with all applicable laws and regulations, as well as with the Bank’s internal policies and procedures while executing assigned duties and responsibilities.

Other

• safeguard and promote the bank’s image with the general public.
• To assist in other issues aspects such as issue resolution and activities related to credit support and product partners to support our growth strategy.
• Meets regularly with internal referral sources to establish business relationships and develops network of outside referral sources for new business. Perform any other duties as may be assigned from time to time by management.

Qualifications

BA/BSc/HND

Experience

Not specified, assumed to be at least 12 months.

• To ensure growth of Branch Retail Portfolio (NFI, Deposits and assets) through the acquisition of new to bank customers through the Business sales officers and lead generation.
• Actively generates referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity
• To ensure acquisition of customers to digital channels
• To effectively manager and expand the relationships with existing Retail Banking clients and bringing in new partnerships from existing portfolio so as to ensure business growth and continuity
• GAB Express size (Product per customer, Non funded income, deposits and assets) by deepening existing customer relationships.
• Ensure a clear retention plan for overall portfolio deposits and loans for the segment, to execute this plan in conjunction with Branch Managers.
• Monitor account planning for all clients that will assist in advising on potential financial solutions based on identified needs.
• Assist in resolving queries in a timely and appropriate manner.
• Assist in collaborating with product specialist to deliver effective customer solutions.
• Ensure fulfilment of minimum customer relationships touch points e.g. 1 visit every quarter and 1 call and email a month a month depended on customer segment.
• Prepare and submit all reports may prepare management reports summarizing individual and team loan activity.
• Ensure all customers are on-boarded on a digital platform i.e. Gabpesa, internet banking.
• Ensure PPC of 3 across the portfolio. To understand business, their life-cycles and the various product offerings that can be given to the customer.
• To evaluate credit proposals and ensure the credit applications process on a timely basis with the bank’s set turnaround times
• Maintaining/updating customer data on parameters such as Business turnover/ directors details etc.
• Ensure all customers engagements are recorded accordingly
• To ensure compliance with both internal and external regulatory requirements
• To continuously follow business operational and credit policies ensuring their compliance
• Ensure compliance with all applicable laws and regulations, as well as with the Bank’s internal policies and procedures while executing assigned duties and responsibilities.
• safeguard and promote the bank’s image with the general public.
• To assist in other issues aspects such as issue resolution and activities related to credit support and product partners to support our growth strategy.
• Meets regularly with internal referral sources to establish business relationships and develops network of outside referral sources for new business. Perform any other duties as may be assigned from time to time by management.

• Lead generation
• Account prioritization
• Cross-selling
• Customer relationship management
• Business development
• Digital channel acquisition
• Portfolio management
• Credit evaluation
• Compliance with regulations
• Problem-solving
• Communication
• Networking

• BA/BSc/HND