Job Reference No: NBK/RET/08/2025

Position Scope:

This position is responsible for driving Schemes Solutions, for corporate employees’ banking needs including payroll and other retail products through; Generate new Corporate/Schemes sign-ups, Relationship Management of existing Corporates effectively to facilitate portfolio growth, Driving Activations and penetration of signed up schemes,... assess the risk profiles of customer segments and contribute to the Development of effective control measures. Portfolio management of the existing loan portfolio to minimize adverse migrations

Key Responsibilities:

Sales Management


To grow the portfolio through a focused market segment approach by creating effective relationships that maximize revenues and Asset growth
Establish relationships with key Corporations to offer them scheme lending.
Organise scheme activations for sales
To support in the launch of products, sales strategy, and campaigns to key segments for profitable and quality business
Cross-sell to existing Scheme Customers and grow products per customers
Update on companies and individuals which exhibit high risk policies and practices hence control and manage risk
To proactively ensure that there is customer retention in respective schemes.
Facilitate change of scheme payroll accounts to NBK.


Portfolio Management


Monitor individual loan portfolio to ensure performance.
Ensure timely monthly remittance by scheme companies.
Administer cash backed schemes – Monthly reconciliations on utilization, lend within deposit limit.
Collection of monthly loan By-products from scheme companies.
Liaise with Branches and SLAD to ensure that all loans and underpayments are invoiced promptly and collection of arrears.
Monthly analysis of portfolio at risk & take necessary action on the accounts to ensure minimal migrations.
Call backs on all new scheme loan applications.
Liaise with Clearing payments to ensure timely monthly payment of scheme customers salaries
Customer service on queries relating to scheme customers.
Obtain monthly feedback of dropped and reduced checkoffs and take necessary action.
Maintain and update proper scheme documentations – MOU, Authorized signatories, scheme correspondences etc.


Marketing and Campaign Management


Support Branch and Direct Sales and other sales channels to achieve sales objectives for Retail business.
Work with Product Manager in the development and execution of marketing initiatives for the acquisition, retention and growth of target customer’s base. Relationship Management.
Be the key link between the schemes and the bank in all their financial needs
Generate referrals from HR, Finance and Senior Executives to acquire, expand and retain profitable relationships and grow market share.
Support collection team in ensuring that schemes loans NPL is within stipulated percentage
Work closely with other Value Centres to generate sales leads and follow through to grow CASA
Work closely with the other Corporate Relationship Managers and Business Banking in building relationships with companies
Generate referrals and use Market Intelligence to achieve deeper relationships with customers.
Business Planning & Financial Management
Source potential organizations and recommend their inclusion in the approved company list or Workplace Banking Schemes.
Advise the Business on companies which exhibit high risk policies and practices hence control and manage risk.
Any other duties as may be assigned by Management from time to time.


Education/Professional Qualifications, Skills & Experience:


Bachelor's degree in a business-related field from a recognized University
Master’s degree in a Business-related field from a recognized University is an added advantage.
5 years’ experience in Banking
At least 3 years’ experience in Relationship management of a commercial bank at a managerial level, 2 years of which must be in Retail Sales.
Business planning & financial management skills.
Strong background in product development and roll out, partner relations and change management.
Excellent communication and presentation skills.
Ability to work collaboratively in cross-functional teams.
Experience with financial analysis and performance metrics
Ability to translate complex data into actionable business insights.
Strong written and verbal communication abilities more

Job Reference No: NBK/RET/10/2025

Position Scope:

This position is responsible for driving the growth, outreach, and sustainability of the Almasi women banking program at National Bank -Amanah, by delivering Shariah-compliant financial and non-financial solutions tailored to women entrepreneurs and clients, deepening inclusion, and strengthening the Bank’s position in the women market... segment.

Key Responsibilities:


Execute and manage the rollout of Almasi suite of products (asset financing, unsecured hybrid SME financing, mortgage finance, construction finance, trade financing, etc.)
Guide product customization to ensure the needs of women entrepreneurs are met while preserving Shariah compliance.
Promote non-financial services: advisory, capacity-building workshops, networking, procurement readiness programs, etc.
Identify, segment, and onboard women business owners and women-involved enterprises (≥ 50% women shareholding or management) as per Almasi eligibility criteria.
Cultivate relationships with women’s groups, associations, NGOs, development partners to source leads.
Represent the bank in women entrepreneurship events, exhibitions (e.g. Almasi marketplace).
Support procurement readiness of women-owned firms to access supply opportunities with the bank (20% procurement allocation).
Assess financing proposals from women-owned / women-managed businesses: credit analysis, collateral, structuring.
Monitor repayment performance, delinquency, recovery.
Ensure compliance with the bank’s credit policy, risk guidelines, and Shariah principles.
Deliver high service standards, including dedicated Almasi teller counters.
Serve as a specialist contact for women clients, resolving their inquiries, complaints, and ensuring seamless customer journeys.
Track customer satisfaction, retention metrics raining, Advocacy & Internal Awareness.
Train branch staff, sales teams, and relationship officers on the Almasi proposition, gender-sensitive sales and customer service.
Promote internal awareness to ensure women banking is integrated into mainstream targets.
Collaborate with marketing / communications to design campaigns, content for the Almasi website, knowledge hub, etc.
Prepare performance reports, dashboards, forecasts (new clients, portfolio growth, NPAs, cross-sell, etc.)
Monitor gender-tagged MIS / data tracking of women clients.
Use market research to identify unmet needs or gaps and recommend product enhancements.
Ensure adherence to Shariah advisory rulings, internal compliance, risk and legal protocols.
Support audits and reviews of the Almasi program.
Any other duties as may be assigned by Management from time to time.


Education/Professional Qualifications, Skills & Experience:


Bachelor’s degree in Finance, Banking, Islamic Finance, Business Administration or a business-related field from a recognized University.
Professional Certification in Islamic Finance is an added advantage.
A minimum of 7 years’ experience in retail banking, SME banking, or women / inclusive finance of which at least 3 years in Relationship Management.
Experience in credit evaluation, product marketing, business development
Deep understanding of Shariah-compliant financing instruments
Familiarity with gender-responsive banking or financial inclusion initiatives
Strong communication, relationship-building, negotiation and presentation skills
Analytical mindset; ability to translate insight into actionable strategies
Integrity, ethical orientation, and commitment to compliance.
Customer-oriented & empathy
Target / sales driven
Strategic thinking & innovation
Stakeholder engagement
Problem-solving & decision-making
Teamwork & cross-functional collaboration
Digital literacy (banking systems, data analytics, CRM)
Adaptability & resilience more

Job Reference No: NBK/RET/09/2025

Position Scope:

The role holder shall be responsible for translating novel ideas into opportunities for products and improving existing products, through market research, development of product papers, implementation of approved products, coordinating user tests, working with relevant stakeholders to launch products and services and commercialization of the... same. The role holder is also responsible for product project management, product maintenance throughout the lifecycle and monitoring product performance for sustainability and meeting of the customer needs.

Key Responsibilities:


Responsible for the development of policies and operating framework for product development in the Bank based on best practice and within relevant guidelines.
Effective and proactive Management of Products Life Cycle.
Commercialization of the products based on customer needs and ensure return on investment
Build a strategic product development plan for the Bank that reflects short- and long-term requirements and an approach to manage product data in a coordinated approach.
Identification, planning and management of research and product processes from conceptualization of new ideas to the end of the lifecycle with the support of people and technology.
Responsible for gathering market intelligence and identification of opportunities for the customer and the Bank.
Proactive product extensions and enhancements that meet customer needs and the required standards for the Bank.
Management and review of existing Bank products’ portfolio in order to ensure quality, alignment, and relevance.
Management of the product development and research service charter, service level agreements and documentation
Provide leadership for product related projects in the Bank by reviewing of business cases, analysis of requirements, timelines and return on investment.
Responsible for proactively providing research-based data and data analytics in the Bank to support management decisions.
Provide professional guidance to the Bank on development and maintenance of research and product development tools and processes that meet quality standards and best practice.
Responsible for product awareness and training in the Bank and ensure support for marketing and communication of Bank products.
Liaison with regulators and partners providing product development and research guidelines to ensure compliance.
Ensure capacity building for the product development team and provide guidance for covering gaps identified or enhancements required.
Provide leadership and effective guidance on product development processes and respective risk management guidelines.
Responsible for ensuring compliance, risk and regulatory requirements are met in the Bank within the scope of product development and related research.
Responsible for budget and resource management within the product development unit.
Build constructive and effective relationships within the team to support a collaborative working environment.
Support all relevant stakeholders in the marketability and profitability of products and service offerings at the Bank.
Recommend strategies and goals for the pricing and tariffs of products in the Bank
Any other duties as may be assigned by Management from time to time.


Education/Professional Qualifications, Skills & Experience:


Bachelor’s degree in Business related field from a recognized University.
Seven (7) years’ experience in Financial Industry of which five (5) years should have been in product management role.
Certification in Products development and Research
Certification in Project Management
A master’s degree will be an added advantage
Hands-on experience in managing the entire product life cycle
In-depth knowledge of management of products, research tools and frameworks; ability to ideate, develop
hypotheses, prove or disprove hypotheses through structured analysis and recommend a path
Ability to commercialize products and ensure return on investment
Ability to establish key partnerships and facilitate, influence, collaborate and establish accountability
through all levels of the organization.
Ability to establish and manage structures, processes and standards
Excellent research, analytical and problem-solving skills
Ability to conceptualize and systematically work through projects in accordance with a structured methodology
Ability to prioritize, meet deadlines and work under pressure
Sound knowledge of Banking statutory requirements
Ability to think creatively and develop innovative solutions
Excellent interpersonal, communication and presentation skills
Implementation of strategic goals for products and research; management of products in line with the Bank strategy and understanding strengths, weaknesses, opportunities, threats.
Demonstrated Leadership capacity and ability to operate at Senior Management Level
Integrity and courage to challenge the actions within various business divisions and the status quo
Superior levels of judgment to assess the impact of strategic activities on business performance more

Job Ref No. HR/02/2023
Key Responsibilities:

Develop and lead the implementation of the SME & Micro Segment strategy in line with the overall Bank and Retail Banking Strategy.
Provide leadership in the overall growth and profitability of SME & Micro Segment
Drive profitable revenue and volume growth with a focus on new acquisition, deepening of existing customer relationships and cross sell... thereby improving market and customer share

of wallet with the Bank.
Review and closely monitor sales pipelines for direct reports to ensure achievement of overall targets.
Responsible for market leading value proposition, branding and communication
Initiate and collaborate with channels product and functional teams to identify and develop product solutions and bundles to meet the needs of SME and Micro
Ensure strong cross- selling of existing and new products to existing and new clients; and in this process, maintain effective liaison with all relevant business units in the Bank.
Ensure effective department structures and systems (policies, processes, procedures, and tools) for optimal efficiency, resource utilization and cost containment
Lead in the implementation of a systematic relationship management approach to enhance capability and consistency in the sales management disciple
Liaison with credit to ensure that credit criteria is robust and balanced for Business growth.
Maximize customer value through segmentation insights and disciplined portfolio management
Collaborate with product value streams to develop product bundles, pricing and promotions to improve cross product holding ratio and portfolio growth
Define and manage customer retention strategies including reactive retention and proactive retention programs.
Leverage on customer research and competitor benchmarking on customer service and customer loyalty/advocacy metrics including NPS scores and drive initiatives to improve them
Collaborate with various product, credit, operations, and functional teams to improve customer service delivery through turnaround times, service level agreements and process improvements.
Drive the implementation of segment service initiatives and standards for the segment.
Ensure customer value proposition is implemented in compliance with external and internal regulations & policies i.e. operational, credit, reputational and people risk.
Drive and embed a strong performance culture through an inspiring and rigorous performance management discipline
Develop and build talents within department through optimal resourcing, capacity planning, succession planning and engagements.
Facilitate training programs to enhance product knowledge to the Retail Banking teams, branch staff and sales teams on SME and Micro Banking Products.
Maintains a detailed and current understanding of the industry; (at SME & Micro Banking, current market structures; regulatory requirements and issues) to ensure that that opportunities are realized, and the risks mitigated.
Ensure timely submission of quality credit proposals in conformity with the Credit Policy guidelines and requirements whilst maintaining the quality of the SME portfolio within the stipulated Non-
Performing Loans (NPL) and Portfolio at Risk (PAR) parameters.
Ensure compliance to the Bank’s policies, procedures, and regulatory requirements.

Qualifications, Experience, Skills & Personal Attributes:

Bachelor’s degree in business related field.
Master’s degree in business related field will be an added advantage.
SME or Micro Certifications/ Professional qualification in Banking will be added advantage.
Minimum of ten (10) years general banking experience with at least five (5) years’ experience in leading and managing SME and Micro Sector at either Head or Senior Management level in a Financial Institution.
Must have hands on experience in Credit Analysis and Administration, Sales, Relationship

Management, Customer Service, commercial and product development functions of a commercial bank at managerial level.
Demonstrated consistent high performance in role(s) held in the last three years.
A thorough knowledge of Small Medium Enterprise (SME) Products, Retail Banking products and services, and extensive Banking Industry knowledge.
Excellent interpersonal, and negotiation skills with the ability to network, generate new business and develop strong business relations.
Strong leadership skills with demonstrated competences in championing high performance.

management.
A good understanding of risk, credit policies and procedures.
Excellent planning, Organization, problem solving and analytical skills.
Entrepreneurial mind-set. more