Senior Manager, Retail

The incumbent will focus on improving the sales, service, credit capabilities and portfolio quality Provide effective; sales/service/credit focused coaching to branch managers, relationship Officers and retail staff to drive profitable business.

Job Summary:

The incumbent will focus on improving the sales, service, credit capabilities and portfolio quality Provide effective; sales/service/credit focused coaching to branch managers, relationship Officers and retail staff to drive profitable business Balance the rewards of meeting business objectives with the risk of loss to the client, employee and shareholder by following corporate compliance/policies to maintain risk exposure and to operate within the legal framework.

Key Duties/Responsibilities:

Client Experience

• Ensure Client Experience strategies are executed with all initiatives introduced within the market supported
• Ensure all coaching reflects the goal of developing the ability to complete technical aspects of the role whilst delivering a superior client experience
• Coach selected employees to understand client behaviours and needs to enable them to tailor appropriate solutions and identify risks and opportunities.
• Lead in the implementation of credit initiatives to drive client satisfaction and superior credit advice.

 Build the Culture and Expertise (Sales and Service Effectiveness)

• Effectively communicate and reinforce JMMB Vision of Love, organizational values and priorities
• Support CCPO and Branch Managers through targeted interactions to build credit capability, skills and employee confidence
• Positively demonstrate the value of coaching, sharing of best practices and opportunities for improvement to create an open culture committed to continuous learning.
• Maximize the use by all sales people of existing support tools including, reports, sales pipeline, audit report/findings, formal learning events and Risk feedback to improve credit quality.
• As an expert role model, provide one on one/group coaching/skill building to sales managers/people to increase credit management/credit proficiency, sales/service proficiency
• Effectively prioritize for greatest impact
• Demonstrate a personal commitment to ensure skills, knowledge and accreditations are up to date and meet position requirements
• Demonstrate teamwork including living the Vision of Love with partners, and colleagues

Credit Effectiveness:

• Support CCPOs in coaching credit  management practices to new and existing  BMs, BDMs, CPOs
• Effectively lead and deliver in-market Credit Discoveries to identify gaps, emerging trends, proven best practices, and opportunities at the market, branch and sales person/role level
• In partnership with Branch Managers ensure new sales professionals understand JMMB credit policies, procedures including Delegated Lending Authorities
• Identify emerging market trends, recommend action plans to close gaps.

Demonstrate commitment to Vision of Love - (Love, Integrity, Honesty, Openness & Care)

• Adhere to the Employee Rules and Conduct Guidelines
• Adhere to JMMB Policies and Procedures including anti money laundering, fraud prevention, know your client, account opening process, access to basic banking, cash and custody
• Demonstrates ongoing adherence to policy and procedure knowledge:
• Fundamentals of Privacy and Information Risk Management                 
• Anti-Money Laundering and Anti-Terrorist Financing Detailed Program

Perform other related duties as assigned.

Qualifications (Education & Certification):

• Bachelor’s Degree in Finance/Business or equivalent professional qualification (e.g. ACCA).
• MBA or other any other professional designation, while not required, will be an asset

 
Experience:

• Minimum 10 (ten) sales and customer building experience Sales at a financial institution of which five (5) years’ experience at a Senior Managerial level in a similar or similar business (e.g. a Credit Union, Financial House)

 
Behavioural Competencies:

• Strong working knowledge of marketing and sales techniques
• Excellent knowledge of corporate, retail and commercial banking products and services
• Excellent interpersonal and communication skills
• Excellent Financial/Business Analysis skills
• Strong leadership and team building skills
• Proven strong ability in sales/relationship building and customer service
• Entrepreneurial spirit
• Commitment to excellent coaching and mentoring
• Proficient in use of Microsoft Excel, Word and Powerpoint