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Relationship Manager- SME at NCBA Clocktower Branch – Arusha

Job Overview

Relationship Manager- SME at NCBA Clocktower Branch – Arusha

Relationship Manager- SME at NCBA Clocktower Branch – Arusha

Relationship Manager- SME

NCBA Clocktower Branch – Arusha

Arusha

Summary of Responsibilities

The Relationship Manager – SME is responsible for developing, expanding, and managing a portfolio of Small and Medium Enterprises (SME) clients to achieve set budgets aligned with the bank’s objectives. Key responsibilities include:

Applying expertise in SME Relationship Management to:

  • Improve and update customer and prospect databases.
  • Conduct needs analysis for new and existing customers to ensure product opportunities align with their needs and priorities.
  • Explore SMEs’ short- and long-term financial goals and aspirations, staying updated on changes in their financial needs and positions.
  • Proactively manage the portfolio to maximize revenue (fees, margins, and sales), minimize costs and risks, and strengthen customer relationships with the bank.
  • Ensure SME customers are well-informed about lending application processes, credit maintenance, and account conduct expectations.
  • Collaborating with key bank stakeholders to fulfill all deliverables.
  • Actively engaging Client Service Managers and support functions to achieve customer excellence.
  • Key Accountabilities (Duties and Responsibilities)
  • Financial (Weighting: [Not specified])

Responsible for achieving the portfolio’s annual financial targets for Balance Sheet and Profitability, including:

Balance Sheet Growth:

  • Growth of deposits (CASA and Fixed Deposits).
  • Growth of SME loans.
  • Growth of funded New to Bank accounts.

Profitability (PBT):

  • Develop, maintain, and expand relationships with SME clients to build a quality asset book.
  • Ensure compliance with credit and regulatory guidelines.
  • Maintain SME clients’ Non-Performing Loans (NPL) below regulatory thresholds.
  • Contain Portfolio at Risk (PAR) within the bank’s set limit.
  • Sell and cross-sell bank digital products, bancassurance, IPF, Forex, and Trade Finance products.
  • Internal Business Processes (Weighting: [Not specified])

Responsible for adhering to approved policies and procedures and providing feedback to ensure competitiveness, including:

  • Closing audit issues within the quarter of identification or agreed time frames, whichever is shorter.
  • Achieving nil repeat audit findings.
  • Ensuring 100% adherence to Service Level Agreements (SLAs).
  • Maintaining 100% adherence to agreed turnaround times.
  • Customer (Weighting: [Not specified])

Driving customer satisfaction by:

  • Developing and growing relationships with existing and potential customers.
  • Identifying business development opportunities and guiding product development.
  • Maintaining accurate, real-time CRM data.

Achieving high customer satisfaction metrics:

  • Net Promoter Score.
  • Customer Satisfaction Index (CSI)/Relationship Satisfaction Index (RSI).
  • Learning and Growth (Weighting: [Not specified])

Delivering performance objectives and managing personal learning and development, including:

  • Maintaining a personal development plan.
  • Achieving high competency scores.
  • Participating in coaching and training opportunities.

Reporting Relationships:

  • Direct Reports: N/A
  • Indirect Reports: N/A

Key stakeholders include:

  • Internal: All bank departments.
  • External: Retail and Corporate Banking customers, financial institutions, industry players, national and county governments, regulators, etc.

The position holder is empowered to make decisions related to:

  • Pricing structures and negotiation parameters.
  • Recommending product offerings for the portfolio.
  • Serving as an escalation point to sustain value-added customer relationships.

Work Cycle and Impact:

  • The jobholder operates on an annual cycle.

Academic:

  • Bachelor’s degree from a recognized accredited university.

Professional:

  • Minimum of 5 years’ experience in Retail and SME Banking, with Relationship Management experience in a banking or financial institution environment.

Desired Work Experience:

  • Proven track record of consistently achieving portfolio financial growth.
  • Experience in banking products, operations, and customer experience is highly desirable.
  • Knowledge of the local banking industry, products, services, and regulations.
  • Strong understanding of general Commercial Banking regulations and practices.

Technical Competencies:

  • Banking: Broad operational knowledge of banking (breadth and depth), with certifications in multiple banking areas. Serves as a reference and mentor for customers, colleagues, and partners.
  • Leadership: Exercises self-leadership, delivering work to professional standards within time frames.
  • Reliable, collaborative, and able to synthesize information to present compelling positions. Adheres to company values and objectives with high moral intelligence.
  • Customer Management: Creates value-adding solutions from product offerings, socializes solutions with stakeholders, closes sales, and monitors value realization for clients and the bank.

Behavioral Competencies:

  • Emotional Intelligence: Understands own strengths and limits, manages emotions effectively, and controls disruptive impulses.
  • Social and Cross-Cultural Awareness: Interacts respectfully in diverse social and cultural environments, aligning with organizational values.
  • Agile: Adapts plans, methods, or goals based on new information and seizes opportunities.
    Sign-Off
  • This job description is signed off with reference to the organization’s core values and aligned competencies.

Relationship Manager- SME at NCBA Clocktower Branch – Arusha

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