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Branch Business Consultant – SME Banking
Principle Accountabilities
- Cross selling of HFC Banks products by establishing new relationships in order to grow both assets and liabilities book.
- Maintaining customer relation by regular contact to ensure customer satisfaction business continuity
- To review account opening forms and loan applications by scrutinizing the documents to ensure they are KYC Compliant.
- To check data entry by verifying the data captured against source documents to ensure accuracy in data capture.
- To analyze mortgage loan applications by interviewing the customers.
- To identify customers borrowing needs by interviewing so as to ensure selling of the right mortgage product.
- To safeguard bank assets by being a dual custodian to minimize frauds and losses
Key Competencies and Skills
- Selling skills
- Analytical skills
- Negotiation skills
- Supervisory skills
- IT skills
- Report writing
- Communication skills
- Product knowledge
- Teamwork
- Listening skills
Minimum Qualifications, Knowledge and Experience
- A Business-related degree
- 3 years in Banking Industry
Telesales Agent
Principle Accountabilities
Sales
- Ensure that reactive and proactive approach is taken to prevent customer attrition.
- Understand needs of customers by actively providing quality sales service.
- Proactively explain the respective banking products that fit the client’s needs e.g. type of account and its features, products offered and charges payable.
- Cross sell and upsell all products.
- Provide feedback on assigned leads and take note of customer complaints/ compliments.
Service
- Ensure an excellent customer experience during telephone conversations as well as when offering any other service.
- Maintain high level of professionalism in all telephone conversations both inbound and outbound.
- Address any issues or concerns that the customer may raise.
- Manage post sale relationships.
- Conduct care calls to customers.
Controls
- Ensure customer due diligence is applied when onboarding clients.
- Reporting of suspicious transactions or activities.
- Ensure sales processes are followed to avoid miss-selling.
- Ensure proper time and resources management.
- Using the working tools availed for the intended purpose. This will include Core Banking System, Workflow Management Systems or any other system availed in the course of day-to-day duties.
KYC Compliance.
Understanding of bank’s operations and complying with set governance rules and internal policies, not limited to but including the code of conduct.
Key Competencies and Skills
- MS Office Proficiency
- Product knowledge
- Analytical Skills
- Interpersonal skills
- Communication skills
- Negotiation and Selling Skills
- Customer Etiquette
- Great command of the national languages
- Self-motivated & result oriented
- Ability to communicate comfortably at all levels
- A team player
- Achieving set goals
- High levels of discipline, integrity and professionalism
- Excellent time management skills
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Minimum Qualifications, Knowledge and Experience
- Minimum of a Diploma in Marketing and Sales or other related fields.
- A degree is an added advantage.
- Minimum one-year Sales experience with relevant experience in Customer Service.