Roles & Responsibilities
Business & Strategy Development

Develop and lead the implementation of the MSME Segment strategy in line with the overall Retail Banking Strategy.
Ensure achievement of profitability targets through revenue maximization and prudent cost management.
Implement Country-wide go-to-market strategy for new initiatives, working with all relevant departments/ stakeholders to drive execution.

Product Portfolio Management

Drive sustainable growth and acquisition of new customers for MSME Banking through development and maintenance of quality products, propositions and solutions pertinent to the segment
Build and maintain productive and strategic relations with stakeholders to drive the development and delivery of business solutions and revenue growth for the MSME Segment.
Drive customer-led propositions for the MSME Banking business by developing a pipeline of value adding customer solutions to include customer experience, products, and service offers.
Manage an effective SME customer’s loyalty program for networking and deepening of UBA SME market penetration.
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.
Champion the delivery of consistent, seamless and trusted customer service to ensure customer retention and loyalty.

Segment & Product Ownership

Coordinates the development and deployment of value propositions, product offerings, target segment strategy and business plan for the MSME Segment
Maintaining the quality of the SME portfolio within the stipulated Non-Performing Loans (NPL) and Portfolio at Risk (PAR) parameters.
Has oversight and country ownership on end-to-end processes to ensure execution of on-boarding for clients and fulfillment of products through engagement with relevant stakeholders involved in executing the standard process to ensure delivery of a seamless customer value proposition.
Responsible for Portfolio health on relevant products - track portfolio performance (through lead indicators) and taking necessary actions to ensure product integrity is maintained.
Develops and monitors specific sales & marketing campaigns together with relevant stakeholders to leverage market opportunities that generate new sales/volumes and increase market share.
Accountable for all segment/product metrics as applicable within the Bank’s policy where applicable (e.g. risk limits, delinquency, compliance requirements, etc.)
Monitors sales impact & profitability of marketing expenditures – both on BAU and special campaigns.
Optimize fees and charges to create value for clients in line with Treat-Clients-Fairly’ principles.

KPIs

Achieve the approved SME Banking PBT target for the Bank
Achieve the approved SME Banking account volumes for the Bank
Achieve the SME Banking deposit target for the Bank
Achieve the SME Banking NPL target for the Bank

Job Requirements

First degree in any field from a recognized university.
Preferably have a second degree or relevant professional certification (as an added advantage).
Minimum experience –10 years’ cognate experience with at least 5 years in a supervisory capacity
Have banking operations, trade finance and correspondent bank experience
Proficiency in Microsoft Office Suite.

Key Competency Requirements

Must exhibit drive energy, aggression and passion for business development and acquisition
Must be technology savvy
Good understanding of financial services sector.
Selling and marketing skills.
Must be self-solution driven, proactive and have acceptable knowledge of the business environment.
Dynamic, analytical and a self-driven individual with the ability to work under pressure, maintaining a professional and helpful attitude at all times.
Strong networking skills, for both internal and external networks.
Relationship Management skills with excellent communication and interpersonal skills.