Relationship Manager Micro SME

NBC is the oldest serving bank in Tanzania with over five decades of experience. We offer a range of retail, business, corporate and investment banking, wealth management products and services. Job Summary Responsible to drive business growth from Micro-Small & Medium Enterprises (Micro-SMEs) Segment in-line with Bank’s Policy, Procedures and Strategy. Job Description​ Key Accountabilities: Business Growth • Develop and maintain business relationship with existing and potential customers and act as Bank’s key contact person to Micro-SME customers • Assist branches to identify, negotiate business opportunities to grow business portfolio in line with annual business targets • Initiate and conduct customer engagements such as focus groups, customer forums, workshops aimed at identifying customer needs, building and strengthen relationships with customers, customer retention and customer loyalty creation • Engagement with various stakeholders to ensure growth of Micro-SME business and that Bank’s interests are properly represented and safeguarded • Manage sales leads through the entire funnel, ensuring consistent pipeline progression from first touch to contract maturity across all branches." • Participate in developing business operating flows, procedures and processes. • Support Manager Micro-SME lending on soliciting and managing guarantee funds to enhance security cover to Micro-SME loan portfolio. • Support branches in credit structuring and appraisal of Micro-SME loan applications to ensure facilities are granted according to Bank’s Policy and Procedures • Review loan portfolio and recommend appropriate interventions to ensure it performs in line with approved performance indicators and target • Support branches to solicit deposits from Micro-SME customers to meet Retail liability targets • Benchmark bank’s products and services to that of competitors in the market and advice improvement whenever needed. • Explore, initiate and nurture emerging business leads/opportunities for growth of Micro-SME business across branches. • Monitor and ensure Micro-SME loan portfolio quality is within the acceptable risk levels. • Perform other duties as may be directed or assigned by his/her supervisor Product Development • Collaborate with Product team in enhancing and developing new products to suit Micro-SME customers and ensure training and launches are done in accordance with Bank procedures • Monitoring efficiency and effectiveness of Micro-SME product, review performance and recommend corrective measures accordingly. • In collaboration with Product team, review and advise on proper pricing of Micro-SME products to remain competitive in the market. • Develop and maintain a product catalogue for Micro-SME business Risk Management • In collaboration with Credit Unit, participate in review of Credit Policy, Procedure Manual etc to accommodate market, industrial and regulatory changes in Micro-SME lending business • Address Risk, Compliance or Audit issues related to Micro-SME business in the Bank • Ensure compliance with Micro-SME procedures in all business engagements • Assist branches to monitor performance of Micro-SME portfolio and undertake or recommend appropriate intervention to ensure it performs in line with approved performance indicators and targets • Assist branches to ensure compliance with loan covenants. • Participate in developing business operating flows, procedures and processes Education and Experience: Education required • Holder of First degree or its equivalent in Finance, Accounting, Agribusiness, Banking, Economics, Planning and/or relevant fields from recognized higher learning institution. Master’s degree or Banking Certification will be an added advantage. Experience required • At least 3 years of working experience in Banking Industry • Experience in Micro-SME lending in Financial Institution will be an added advantage. • Significant understanding of Micro-Finance Lending business with proven success in developing client relationships and delivery of solutions to the bottom of the Banking Pyramid. Other Relevant Requirements • Ability to work under pressure in complex environment including travelling to upcountry • Sound understanding of Microfinance products and services • Self-motivated, innovative with ability to initiate and lead change. • Excellent knowledge of Banking operations and financial markets in Tanzania • Well-developed analytical, quantitative and problem-solving skills. • Credit structuring and analysis skills • Excellent communication (English and Kiswahili), numerical, analytical and report writing skills • Strong computer skills; proficient in outlook, word, excel and power point • Managerial and leadership skills (Analytical, Conceptual and resourcefulness) • Strong interpersonal and networking skills for both internal and external customers • Ability to prioritize effectively and execute tasks in a high-pressure environment Skills required Technical skills • Analytical skills (business & credit) • Financial analysis • Credit Management • Problem-solving & decision making • Selling and negotiation • Written and verbal (Presentation) communication. • Customer relationship Management • MS Office (Excel, Word, PowerPoint) Behavioral skills • Critical thinking perspective • Good interpersonal, teamwork/networking with internal and external customers. • Ability to organize and manage stakeholders’ engagements. • Leadership qualities (innovative, creative, change champion) • Ability to prioritize and execute tasks in a high-pressure environment. • Ability to work with minimum supervision Qualifications Bachelor`s Degrees and Advanced Diplomas - Business, Commerce and Management Studies, Banking Knowledge (Meets all of the requirements), Commercial mindset - Junior (Meets some of the requirements and would need further development), Customer Excellence - Service Delivery (Meets all of the requirements), Digital familiarity (Meets all of the requirements), Experience in a similar environment, Openness to change (Meets some of the requirements and would need further development), Product and/or Service Knowledge (Meets all of the requirements), Relationship building (Meets some of the requirements and would need further development)