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 Responsible to drive business growth from Micro-Small & Medium Enterprises (Micro-SMEs) Segment in-line with Bank’s Policy, Procedures and Strategy. Job Description Key Accountabilities: Business Growth Develop and maintain business relationship with existing and potential customers and act as Bank’s key contact person to Micro-SME customers Assist branches to identify, negotiate business opportunities to grow business portfolio in line with annual business targets Initiate and conduct customer engagements such as focus groups, customer forums, workshops aimed at identifying customer needs, building and strengthen relationships with customers, customer retention and customer loyalty creation Engagement with various stakeholders to ensure growth of Micro-SME business and that Bank’s interests are properly represented and safeguarded Manage sales leads through the entire funnel, ensuring consistent pipeline progression from first touch to contract maturity across all branches." Participate in developing business operating flows, procedures and processes. Support Manager Micro-SME lending on soliciting and managing guarantee funds to enhance security cover to Micro-SME loan portfolio. Support branches in credit structuring and appraisal of Micro-SME loan applications to ensure facilities are granted according to Bank’s Policy and Procedures Review loan portfolio and recommend appropriate interventions to ensure it performs in line with approved performance indicators and target Support branches to solicit deposits from Micro-SME customers to meet Retail liability targets Benchmark bank’s products and services to that of competitors in the market and advice improvement whenever needed. Explore, initiate and nurture emerging business leads/opportunities for growth of Micro-SME business across branches. Monitor and ensure Micro-SME loan portfolio quality is within the acceptable risk levels. Perform other duties as may be directed or assigned by his/her supervisor Product Development Collaborate with Product team in enhancing and developing new products to suit Micro-SME customers and ensure training and launches are done in accordance with Bank procedures Monitoring efficiency and effectiveness of Micro-SME product, review performance and recommend corrective measures accordingly. In collaboration with Product team, review and advise on proper pricing of Micro-SME products to remain competitive in the market. Develop and maintain a product catalogue for Micro-SME business Risk Management In collaboration with Credit Unit, participate in review of Credit Policy, Procedure Manual etc to accommodate market, industrial and regulatory changes in Micro-SME lending business Address Risk, Compliance or Audit issues related to Micro-SME business in the Bank Ensure compliance with Micro-SME procedures in all business engagements Assist branches to monitor performance of Micro-SME portfolio and undertake or recommend appropriate intervention to ensure it performs in line with approved performance indicators and targets Assist branches to ensure compliance with loan covenants. Participate in developing business operating flows, procedures and processes Education and Experience: Education required Holder of First degree or its equivalent in Finance, Accounting, Agribusiness, Banking, Economics, Planning and/or relevant fields from recognized higher learning institution. Master’s degree or Banking Certification will be an added advantage. Experience required At least 3 years of working experience in Banking Industry Experience in Micro-SME lending in Financial Institution will be an added advantage. Significant understanding of Micro-Finance Lending business with proven success in developing client relationships and delivery of solutions to the bottom of the Banking Pyramid. Other Relevant Requirements Ability to work under pressure in complex environment including travelling to upcountry Sound understanding of Microfinance products and services Self-motivated, innovative with ability to initiate and lead change. Excellent knowledge of Banking operations and financial markets in Tanzania Well-developed analytical, quantitative and problem-solving skills. Credit structuring and analysis skills Excellent communication (English and Kiswahili), numerical, analytical and report writing skills Strong computer skills; proficient in outlook, word, excel and power point Managerial and leadership skills (Analytical, Conceptual and resourcefulness) Strong interpersonal and networking skills for both internal and external customers Ability to prioritize effectively and execute tasks in a high-pressure environment Skills required Technical skills Analytical skills (business & credit) Financial analysis Credit Management Problem-solving & decision making Selling and negotiation Written and verbal (Presentation) communication. Customer relationship Management MS Office (Excel, Word, PowerPoint) Behavioral skills Critical thinking perspective Good interpersonal, teamwork/networking with internal and external customers. Ability to organize and manage stakeholders’ engagements. Leadership qualities (innovative, creative, change champion) Ability to prioritize and execute tasks in a high-pressure environment. Ability to work with minimum supervision Qualifications Bachelor`s Degrees and Advanced Diplomas - Business, Commerce and Management Studies, Banking Knowledge (Meets all of the requirements), Commercial mindset - Junior (Meets some of the requirements and would need further development), Customer Excellence - Service Delivery (Meets all of the requirements), Digital familiarity (Meets all of the requirements), Experience in a similar environment, Openness to change (Meets some of the requirements and would need further development), Product and/or Service Knowledge (Meets all of the requirements), Relationship building (Meets some of the requirements and would need further development) 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.

Relationship Manager Micro SME.

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