Job Description

KEY RESPONSIBILITIES

Business and Financial performance 

• Delivery of branch’s business targets.
• Analyze business growth opportunities in the local market and develop appropriate strategies for capturing and growing our market share.
• Work jointly and proactively with Business Segments and product partners to increase Ecobank’s wallet share within the respective markets.
• Review Call Plans for all Commercial Banking RMs attached to the branch with a view to enhancing customer wallet share, business volumes and earnings.
• Achieve targeted product cross sell ratios and increase customer adoption of Ecobank’s products and services.
• Ensure that various business segments in the branch maintain good balance sheet (Deposits & Assets) that is commensurate with overall budget projections.
• Ensure that all incomes are properly recognized.
• Grow the deposit base of the branch with specific focus on growing low-cost deposits, collections, value-chain business and channels - across all business segments.
• Achieve cost-income ratio targets of the branch.
• Conduct regular business performance and profitability reviews.
• Ensure the loan book does not deteriorate from S1 to S2 to S3; and the portfolio in S3 to improve. PDOs to be maintained at minimum levels.
• Attain targeted sales goals, performance targets and customer satisfaction levels through the effective management of resources.

Client Centricity

• Constantly review strategies to ensure that excellent, efficient and comprehensive customer service delivery, quality standards and branch ambience are constantly upheld in the branch.
• Identification and marketing of prospects within the target market.
• Responsible for exceeding customer expectations within the branch.
• Establish and sustain a customer-centric business culture in the branch, leveraging on people and technology to ensure service quality and excellence in the delivery of our products and services.
• Sustain/drive increased digital channel utilization with a specific focus on ATM uptime, Card adoption, POS activity levels, Ecobank Pay, Omni Lite and e-Government solutions.
• Collaborate with Consumer Banking to drive digital channels adoption.
• Ensure high customer satisfaction as measured and monitored through customer feedback surveys and Net Promoter Scores (NPS).
• Efficiently and effectively liaise with internal departments/ Units – CIB, Trade, Risk, EBS, etc. including other Branches and departments to promote and drive business volumes and profitability at the branch.

Process, control, and operational performance

• Promote high ethical and integrity standards and ensure the Ecobank Values are sustained and evident at the branch.
• Ensure there is a strong internal control system in place and monitor its adequacy and effectiveness.
• Achieve “Satisfactory” branch audit rating and fully comply with KYC/AML and regulatory guidelines.
• Achieve and sustain effective balance sheet management.
• Make recommendations to management to improve operations process to improve customer satisfaction.

Leadership and People management

• Motivate and lead the team to achieve consistent profitability through a clear process for setting targets, performance management & monitoring and delivery on all set targets.
• Conduct regular people performance and productivity reviews.
• Create and sustain a fit-for purposes of succession plan and build a healthy talent pipeline.
• Encourage and foster a congenial working environment to enable your team to achieve excellence through teamwork and operational efficiency.
• Ensure an agile and efficient workforce with right skills to meet set strategic objectives.
• Performance development plan for branch staff.
• Ensure all branch staff complete the planned mandatory training.
• Good leave management practice.

Strategic initiatives

• Drive/Champion & sustain the ongoing Ecobank transformation agenda & digitization agenda).
• Lead strategic initiatives as defined by the bank.

JOB PROFILE

Experience & Qualifications

• Relevant banking experience, with proven track record of excellent results in marketing/ sales, credit, and leadership
• Good knowledge of the business environment, the banking industry and its direction, trends, and regulations
• Excellent knowledge of banking operations, technology, and product knowledge

Skills, Capabilities & Personal attributes

• Commercial/business acumen.
• Excellent interpersonal skills.
• Quick thinking and excellent problem-solving capabilities.
• Strong credit appraisal skills.
• Excellent team management and coordinating skills.
• Leadership and people development skills.
• Good negotiation and selling skills.
• Ability to pay attention to details.
• Capacity for strategic thinking.
• Results oriented and self-driven.

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