Summary
Date Posted: Wednesday, July 13, 2022 , Base Salary: Not Disclosed

JOB DETAILS:
Relationship Manager (SMEs)
About Ecobank Rwanda Plc
Ecobank Rwanda Plc is a full-service bank that joined the Rwandan market in 2007 with the aim of providing a broad range of products and Services to Consumer, Commercial and Corporates business segments.
The bank’s vision is to build a world-class bank and contribute to the economic development and financial integration of Rwanda and the region by providing customers with convenient and reliable financial products and services.
Ecobank Rwanda Plc is an affiliate under Ecobank Group and operates in Central East and Southern African (CESA) region.
In order to respond to our growing market with the required human capital, we are currently looking for experienced professional in the following area

Role Title: Relationship Manager (SMEs)
Reporting: Head SMEs
JOB PURPOSE:
To manage customer relationships to achieve set sales targets as per KPIs and wallet share and ensure sustained business growth and profitability in the assigned customer segment. To sell, cross/upsell and excellent delivery of the bank’s products and services whilst building long term profitable customer relationships.

Key Responsibilities:
Accountability: Sales & Marketing Management
• Customer files analysis, maintenance and annual review within TAT (CAs and PPs)
• Drive Local Corporate business under assigned portfolio
• Sale Bank Digital products and onboard existing and new customers on Bank digital platform (Master pass, OMNI, Mobile Apps, POS,etc) and work closely with other departments
• Deliver set targets as per KPIs for deposits, risk assets, transactions and revenue and the effective management of customers.
• Drive growth of portfolio assigned to, monitoring, quality of the asset loan book and fully compliance of credit policy and procedures.
• Continually seek new opportunities to market services and bring in new customers by thoroughly understanding the marketing and economic environment.

Accountability: Relationship Building & Customer experience
• Deliver Excellent customer service towards customers under portfolio assigned to
• Deliver agreed customer and product sales, wallet share and profitability targets.
• Create and monitor customer sales program and strong customer relationship for retention of existing and new prospects customers acquisition.
• Drive proper booking of all transactions of customers including deposits, loans, revenues and costs and reconcile with Financial Control and all proceeds for the repayment of the loan.
• Reactivate dormant accounts and contribute to the reduction of high departmental dormancy rate
• Regular visits to customers and provide pre-calls and memo for the outcomes.
• Responsible for keeping self and supervisors up to date on competitor data and feedback provided for product and service changes or development.
• Achieve minimum customer satisfaction rating of ‘very satisfied’.
• Provide to all customers under your portfolio Bank digital products (NIIB and Borrowing customers)
• Deliver appropriate product solutions and services to customers in order to deliver at least 75% of customer’s wallet.
• Communicate through emails, letters any modification to the customer accounts (Business and personal Address, telephone, etc) and application progress and requirements on time.
• Build a strong local profile for self and bank through positive involvement in community activities.
• Own customer complaints and resolution process in portfolio and collect all past due obligations.
• Advice/update customers on all tariffs, policies, procedures and any other changes to products or accounts.
• Maintain proper authorization and contact customers with regard to confirmation limits and any other account management issues.
• Advise and prevent customer to avoid falling in PDOs and NPL as well as it’s negative consequences
• Explain to the customer the terms and conditions of credit notification as per BNR guidelines” key fact Statement”

Accountability: Risk & Compliance
• Ensure all credit transactions and credit files in portfolio and origination comply with the spirit and the letter of all applicable laws, regulations and institutional policies.
• Ensure compliance with operations risk e.g. KYC and anti-money laundering measures plus any other Group controls.
• Ensure all credit lines are current and all credit transactions are duly approved per policy within acceptable TAT.
• Maximum NPL of 5% of portfolio + strong recovery on Write Off loans
• Ensure all proceeds are channeled to customer account to avoid diversion and arrears on account(s)
• Escalate observed breach of policy and procedures which may result to the bank loss
• Operate within the set expense budget on a customer by customer basis.

Accountability: Administration & Teamwork
• Portfolio accountability, monitoring and quality (Reminders and warning Letters on PDOs and NPL, insurances renew,)
• Follow up on all pending transactions and ensure fully completion.
• Maintain customer profiles and files documentation archives (Ensure security requested in CAs and PPs are in place)
• Submit to your line manager reports in a timely manner; daily planner, call memos, sales plans, forecasts, expense refunds etc.
• Provide feedback on performance of service providers.
• Provide cover for other account managers or sales officers when necessary
• Share knowledge and best practice with team members
• Perform all other duties as reasonably assigned Qualification Requirements & Experience:
Education
• Bachelor Degree/Business Adm./ Finance, Marketing, Commerce or any related field

Experience
• 3 years of experience required at minimum with good sales track record preferably in Banking Institutions
• Ability to interact and negotiate with the client organization at the Local decision-making level
• Customer focused & results orientated
• Credits underwriting skills required

Skills, Capabilities & Personal attributes
• Interpersonal Skills
• Communication
• Planning & Organizing
• Business Acumen
• Relating & Networking
Ecobank Rwanda Plc is an equal opportunities company and females’ candidates are encouraged to apply, If your career aspirations match this exciting opportunity, please write in confidence quoting the position on the subject matter
How to apply: Interested candidates should apply through the "Apply" button bellow
Only those who strictly meet the criteria should apply for this position
Due to expected high volume of applications we cannot respond to all applications and will only be contacting shortlisted applicants.
______________________ Ends_____________________________
ECOBANK RWANDA MANAGEMENT


Job Experience: No Requirements

Work Hours: 8

Level of Education: Bachelor Degree

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