The Relationship Manager – Personal Banking will manage existing relationships effectively so as to facilitate the growth of the Employee Banking liability and asset growth portfolio within Personal Markets. Managing unsecured portfolio delinquencies and ensuring that the flow rates are within the approved parameters. Working with the sales coordination team, credit, Personal markets, branches and operations to ensure penetration of public sector companies through client acquisition, service delivery and retention.

Monitor on a day-to-day basis delinquent customers (1-29 days) and work with branches and companies to establish why they are delinquent.
Track First Instalment Defaults (FIDs) and work through branch managers and regional managers to ensure resolution.
Ensure salaries have come through and advise the credit team where there are delays as per the expected salary dates
Follow up on the missed salaries and ensure resolution by the companies and provide feedback to credit in case of terminations, resignations, deaths, deletions etc.
Work with credit to align instalment due dates that are not aligned to employer payroll dates.
Ensure salary diversions, resignations, death cases are followed up and resolved or escalated to the credit team.
Ensure readiness for the monthly portfolio review meetings and any reports are submitted to credit in time.
Ensure all loans are properly tracked under right employer codes and address the ungrouped/wrongly grouped loans from proper tracking.
Advise business on companies which exhibit high risk policies and practices hence control and manage risk