NBC is the oldest serving bank in Tanzania with over five decades of experience. We offer a range of retail, business, corporate and investment banking, wealth management products and services.
Job Summary
The main purpose is to drive Loan and Advances, Deposit, and alternative product growth at allotted branches. This entails managing of all Sales Activities, Supporting, monitoring, and training of Branch Sales Officers in all the respective branches.
Job Description
Accountability; Business Soliciting – Acquisition/Recruitment
- Visit branches frequently and direct support on customer acquisition /recruitment.
- Ensure all the retails customer acquisition point are working perfectly all the time.
- To enhance customer experience, ensure branches are perfect executing the following:
Account opening Account maintenance Loan on boarding Digital on boarding Digital activation and usage
- Support Branches to Identify areas / sector relevant for business growth in their locality.
- Support Branches to Identification, soliciting, KYC and risks review of potential customers and approach them to open account.
- Work with Head of Product and Sales to develop relevant products to the locality.
- Consistently give feedback to Head of Customer Network on the performance of different products and services at respective branches
- Engage with Corporate and Institutional Banking (CIB) and Business Banking (BB) departments to understand retail opportunities from their clients (One Bank Concept)
- Support Branches to address the customer queries.
Accountability; Deposit Mobilization
- Proactively understanding the business dynamics in the locality and take advantage to grow deposit.
- Supervise all the deposit mobilization campaign in respective branches.
- Proactively and continuously solicit deposits from all clients of the Bank to meet Bank’s deposit targets.
- Proactive following of activities identified on the branch activity calendar.
Accountability; Cross selling
- Cross sale of all bank products – Mobile phone Banking, Internet Banking, Agent Banking products, Insurance Products, all Deposit Products, Loan products FX, Transfer, etc.
- Collection of market intelligence information local competition, products and levels of service
Accountability; Relationship Management
- Drive customer engagement activities in respective branches
- Going out to interact with Bank’s clients/potential clients to win their confidence and create customer loyalty.
- Identifying potential clients and strategizing to add them to the list of NBC customers through informative meetings and product discussions.
- Developing, building, and maintaining long term relationships with all segmented customers by listening to them, problem sharing and joint solution finding
- Manage customer business contacts, participate in corporate customer social occasion, and manage all aspects of interactions, the bank has with its customers.
- Support Branches to attend client’s ad hock requests and guide the customer on how to go about.
- Maintenance of business acquired to ensure customer activeness and reduce churn.
Accountability; Reports, Monitoring & Turnaround
- Maintain database of High-net-worth customers in the respective branches.
- Monitoring of branch business growth through KPI
- Loan turnaround for retail loans and recovery support
- Responsible for PAR and NPL of the Branch retail loans.
- Providing inputs and reports to Stressed Asset Management Units and facilitate recovery efforts at the Branch level.
Accountability; Coaching and Mentoring
- Coach and mentor, the branch Sales team on regular basis
- Monitor and report performance as per agreed KPIs.
Other duties
- Participate in branch budgeting of all Sales related activities.
- Carried out other duties as assigned by the supervisor.
- Prepare various reports and business proposals for management approval
Education and Experience Required:
Minimum Qualification
- Bachelor’s degree in business administration
- 10 years banking experience with at least two years in Senior Role in Retail Banking
- Broad knowledge of banking practice (Product knowledge) and bank regulations
Desired Qualification
- Master’s degree in business administration or equivalent Qualification
- Senior Banker with more than 10 years’ Experience-Managing Zonal Retail Business
- Broad knowledge of banking practice (Product knowledge) and bank regulations
Knowledge, Skills, and competences required:
- Strong Customer Service management
- Customer Handling awareness
- People Management
- Bank Products awareness
Analytical skills - Selling and cross selling skills
- Awareness of BOT Regulation
- Risk Management
Qualifications
Analytical Thinking – Advanced (Meets all of the requirements), Bachelor`s Degrees and Advanced Diplomas – Business, Commerce and Management Studies, Commercial mindset – Senior (Meets all of the requirements), Customer Excellence – Service Management (Meets all of the requirements), Digital familiarity (Meets all of the requirements), Experience in a similar environment at management level, Leading people – Leadership level (Meets all of the requirements), Openness to change (Meets some of the requirements and would need further development)
