Relationship Manager Agri Retail (1 Position(s))
Job Purpose:
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- Job Location – Northern Zone, Arusha
- To market agribusiness MSMEs products and services to grow assets and liabilities; generate leads, processing and assessing MSMEs agri-credit applications, reviewing credit appraisals from Relationship Managers in Zones and Branch Relationship Officers.
- Analyze performance of all agri-MSMEs in a mandated area of operation against set budget and ensure compliance with quality standards of the agri-loans.
- Advice the Head, Agribusiness Retail on implications and corrective measures for any business anomalies. In view of the job purpose the Relationship Manager is expected to put forward business propositions and support product development team in modelling new products and services that fits agribusiness customers.
Main Responsibilities:
- Prepare action plan for implementation and achievement of assets and liabilities budget objectives for his/her area of operation i.e. Northern zone.
- Review and advise the Bank on its pricing policy for agri-loan products and services from time to time based on feedback from the field.
- Come up with initiatives to improve customers’ engagement platforms such as Business clubs, Agri Executive network and related Agri events.
- Monitor and supervise all MSMEs Agri-loans issued and disbursed in his/her area of operation/zone to ensure good and quality portfolio.
- Timely prepare periodical and ad hoc evaluation reports on Agri-MSMEs performance on assets and liabilities
- Plan, prepare and review marketing strategies for new and existing Agri-loan products from time to time.
- Monitor and ensure that all MSMEs Agri-loan products delivery processes are working properly and provide advice to the Head of Agri Retail for any improvement needed.
- Review credit appraisals from Relationship Officers that require Retail or Wholesale CREDCOs decision.
- Assist branches and zones to prepare budgets for Agri-MSMEs assets and liabilities.
- Train and coach Relationship Officers on various business best practices and processes in evaluating and assessing Agri-Loan applicants.
Attributes:
- Excellent knowledge of agribusiness economics, the role of credit in business and business development.
- Sound knowledge of Agribusiness Retail Banking products and services in the agricultural value chains.
- Excellent knowledge of agriculture sector dynamics and related laws.
- Sound understanding of other bank’s loan products, policies and procedures for cross selling purposes.
- Excellent knowledge of banking operations and financial markets in Tanzania.
- Sound knowledge of Agri-MSMEs market and general business environments in the agriculture value chains.
- Good computer skills (Excel, word, power point presentation and access)
- Self-motivated, innovative with ability to initiate and lead change.
- Good customer relationship management with ambition to provide solutions to customers’ expectations.
- Excellent communication (English and Kiswahili), numerical, analytical, report writing and presentation skills.
- Managerial and leadership skills (conceptual and resourcefulness).
- Strong interpersonal and networking skills for both internal and external customers.
- Ability to effectively prioritize and execute tasks in a high-pressure environment.
Qualifications and Experience:
- Undergraduate degree in Agriculture and/or Agricultural Economics, Banking, Business Administration, Finance, or equivalent fields.
- Minimum of three years’ banking experience, inclusive of roles in credit assessment, project appraisal and other bank operations.
Preferred Language Skill :
Excellent communication (English and Kiswahili)
Job closing date : 06-Nov-2021
Relationship Manager Mortgage (2 Position(s))
Job Purpose:
Required to grow Mortgage financing portfolio; Ensure the product is well positioned in the Market; Manage the end-to-end relationship of key stakeholders; Ensure the segment provides tailor made mortgage solutions which carters for the needs of the segment; Design sales strategies and ensure smooth execution for the growth of portfolio across the network.
Main Responsibilities:
- Identify customer segment needs and ensure development of appropriate tailor-made mortgage solutions.
- Ensure well defined and seamless process on the mortgage lending solutions to customers.
- Proactively nurture and leverage sustainable, robust stakeholder relationships, coalitions and network internally and externally (Committees, Government Bodies/Officials, regulators, Banks, Community and Private entities).
- Ensure strategic agenda is delivered to the required standard in order to drive different mortgage financing options (Purchase, Construction, Refinancing, Semi Finished and others).
- Design sales strategies and embed sales culture across the network.
- Designing the annual action planning for the overall Mortgage portfolios and ensure it is executed by the Relationship Managers and the branches
- Support the Manager Mortgage Financing to forecast future market trends and translate these into segment level strategy to create and sustain competitive advantage.
- Ensure leads generation directly or through branches for all the personal lending products with a key focus on mortgage finance.
- Manage the segment sales and revenue with the key focus to increase profitability.
- Conduct business/sales discussions and negotiations for the purpose of generating relevant business with stakeholders, prepare business proposals for decision-making to the relevant committees.
- Ensure continuous product improvement and digitization of mortgage processes.
- Be an effective agent of change and role model for Relationship Managers and Branch network.
- Establish, strengthen and manage relationships with all the key stakeholders in the mortgage financing i.e. Real Estate developers as well as at individual official level.
- Prepare budget and projections for the products, including existing as well as prospective and potential clients; Co-ordinate budget objectives to respective areas of responsibilities and ensure targets are achieved as per the approved budget.
- Monitor and review branch performance on this portfolio to ensure targets are met and the quality of the portfolio is maintained.
- Work closely with the existing Real estate partners and recruit more strategic partners for the mortgage loan business while ensuring the relationship is well maintained.
- Be conversant with policies, procedures and market trends pertaining to all bank products and services and be able to adapt to change based on technological advancements and customer sophistication.
Attributes:
- Microsoft applications (Excel, Vision, Word, Publisher).
- Adaptability, building positive working relationships, coaching, continuous learning, contributing to team success, customer focus, innovation, planning & organizing
- Market trends.
- Understanding of mortgage regulations.
- Excellent communication and listening skills.
- Confidence and presentation skills.
- Understanding and interest in financial/banking products and markets.
- Ability to explain and handle complex information clearly and simply.
- Good sales and negotiation skills.
- Credit and analytics skills.
- Relationship management skills.
Qualifications and Experience:
- Bachelor’s degree in Business related studies.
- 4 years’ experience in banking operations, out of which 3 should be in Relationship Management and/or portfolio management
Job closing date : 08-Nov-2021
Relationship Manager; Mass Assets (1 Position(s))
Job Purpose:
Manage the end to end Relationship of scheme/ employers with the key focus to provide attractive lending solutions. Design action plans for the personal lending and ensure smooth execution across the network.
Main Responsibilities:
- Designing the annual action planning for the mass lending and ensure it is executed by the relationship managers and the branches.
- Prepare budget for the Mass lending segment to the desired level and standard of the Bank.
- Proactively nurture and leverage sustainable, robust stake holder relationship, coalitions and network internally and externally (committees, government bodies/officials, regulators, bank, community and private entities).
- Ensure strategic agenda is delivered to the required standard in order to drive schemes acquisition and relationship management is well maintained.
- Drive sales initiatives and ensure they are rolled out to the network together with a clear model including portfolio segmentation.
- Support the senior manager to forecast future market trends and translate these into segment level strategy to create and sustain competitive advantage.
- Ensure leads generation directly or through branches for all the employee banking products with a key focus on mass lending.
- Manage the segment sales and revenue with the key focus to increase profitability.
- Ensure effective execution of rigorous sales management disciplines across the segment.
- Conduct business/Sales discussion and negotiations for purpose of generating relevant business with employers and non-employers, prepare business proposals for decision-making to the relevant committees.
- Review all and advise on all the credit appraisals and defend them to the relevant approval committees.
- Ensure all strategic planning are smoothly implemented across the network and guide the branches and objectives are achieved.
- Generate sufficient leads for account opening across the entire product portfolio in order to motivate deposit levels.
- Ensure effective execution of rigorous sales management disciplines across the segment
- Establish, strengthen and manage relationship with all the schemes as well as at individual official level.
- Support both relationship managers and relationship officers both at HQ and at branch through coaching and coordination. Prepare and participate in quarterly fresher training of relationship managers.
- Prepare budget and projections for the mass lending products, including existing as well as prospective and potential clients. Co-ordinate budget objectives to respective areas of responsibilities and ensure targets are achieved as per the approved budget.
- Monitor and review branch performance on mass lending loan portfolio to ensure target are met and the quality of the portfolio is maintained. Review branch portfolio performance regularly per employer to understand the challenges and advice the branches accordingly.
- Generate customer feedback on the assets products and use them to influence new product development, pricing, and customization of features according to market needs; Review feedback, conduct market intelligence research, and workshops, to initiate product review and product re-launch appropriately.
- Ensure full network sales support by joint visits to the employers with branches and together with RMs and ROs ensure weekly conference calls and monitor the employee and mass lending products.
Attributes:
- Microsoft applications (excel, vision, word, publisher).
- Adaptability, building positive working relationships, coaching, continuous learning, contributing to team success, customer focus, innovation, planning & organizing, work standards.
- Excellent communication and listening skills.
- Confidence and presentation skills.
- Understanding and interest in financial/banking products and markets.
- Ability to explain and handle complex information clearly and simply.
- Good sales and negotiation skills.
Qualifications and Experience:
- Bachelor’s Degree in business related studies.
- At least 3 years’ experience in banking operations, managing relationship and or loan portfolio management.
Job closing date : 08-Nov-202
Senior Software Developer (2 Position(s))
Job Purpose:
To collaborate with a team of software developers in studying bank operations; designing, build, test and install software solutions or modify/upgrade existing applications; support and develop software to meet key business goals.
The goal is to develop new products quickly or modify existing ones with flexibility, hence improving time to market and internal processes as opposed to customization or implementation of off-the-shelf core systems that are expensive and take longer to go to the market.
The goal is to develop new products quickly or modify existing ones with flexibility, hence improving time to market and internal processes as opposed to customization or implementation of off-the-shelf core systems that are expensive and take longer to go to the market.
Main Responsibilities:
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- Actively participate in systems/projects scoping, design, and pricing exercises as part of the development and business teams’ processes.
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- Work with Senior Manager Applications Development to ensure resource utilization targets are met.
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- Responsible for bringing together components, software subsystems into a whole and ensuring that those subsystems function together by
- Studying information needs; conferring with users; studying systems flow, data usage, and work processes; investigating problem areas.
- Determining operational feasibility by evaluating impact analysis, problem definition, user requirements, proposed solutions and efforts required.
- Documenting and demonstrating solutions, flowcharts, layouts, diagrams, charts, code comments and clear pseudo-codes.
- Developing and conducting testing plans and procedures based upon system requirements
- Manage and/or guide junior members of the team
- Identify systems deficiencies and implement effective solutions
- Communicating and enforcing coding standards; and recommending changes in policies, processes and procedures.
- Research, evaluate, and recommend systems/equipment/technologies based on user requirements and ICT system enterprise architecture.
- Support and develop software developers by providing advice, coaching and educational opportunities.
- Updating job knowledge by studying state-of-the-art development tools, programming techniques, and computing equipment; participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations.
Attributes:
- Knowledge of the trending banking software’s and technologies in the market
- Excellent written and oral communication
- Sense of when to escalate a problem or ask for assistance
- Problem-solving and follow-through; pragmatic and thorough
- Familiarity with Agile’s Scrum development methodologies.
- Fluent in at least one of the languages (Java, C, Kotlin) – Java as an added advantage
- Knowledge on varieties of MVC frameworks/systems – Spring or Java EE as an added advantage
- Deep knowledge of mobile frameworks at the OS level (iOS, Android & Windows).
- Familiar with the latest mobile application trends and technologies in banking
Qualifications and Experience:
- Bsc. in Computer Science, Engineering or a related field
- Agile/Scrum certification as an added advantage.
- At least 8 years’ experience in the software development industry.
- At least 5 years’ experience developing mobile applications (native and/or hybrid), iOS/Android/Windows
- Experience with integrations with Banks products/systems is an added advantage
- Experience with variety of databases and object-relational mapping (ORM) frameworks.
- Experience with DevOps tools and practices, including CI/CD, Automated Builds & Release Pipelines, etc.
- Software design principles, patterns, and techniques, like solid, clean code, design patterns and thinki
Job closing date : 09-Nov-2021
To apply click here
