Branch Relationship Officer Position at NCBA Bank Tanzania

Bank Overview

NCBA Bank Tanzania is seeking suitably qualified candidates for the position of Branch Relationship Officer within the Retail Banking Department.

Job Purpose

Job Title: Branch Relationship Officer

Reports to: Branch Manager

Unit: Branch Business

Department: Retail Banking

Summary of Responsibilities Develop, expand and maintain a portfolio of retail clients for the branch, to achieve set budgets within overall bank objectives.

Key Result Areas

Business Development & Revenue Generation (60%) This position is responsible for achievement of the portfolio’s annual financial targets both Balance Sheet and Profitability.

• Balance Sheet Growth ✓ Growth of deposits, both CASA and Fixed Deposits ✓ Growth of Individual loans (personal, mortgage loans) ✓ Growth of funded New to Bank accounts
• Profitability: PBT ✓ Develop, maintain and expand relationship with retail clients with the aim of attaining quality asset book ✓ Ensure compliance with credit and regulatory guidelines ✓ Maintain Retail clients NPL below regulatory percentage ✓ Contain PAR within bank set limit ✓ Sell and cross selling of bank digital and bancassurance products

Internal Business Processes (10%) Responsible for adhering to approved policies and procedures and providing feedback on the same to keep them competitive.

• Audit issues closed within the quarter of identification, or within the agreed periods, whichever is shorter.
• Nil repeat findings
• 100% SLA Adherence
• 100% adherence to agreed turnaround times

Learning Growth (10%) Delivering the performance objectives set and managing his/her own learning and development needs to build capacity and avail him/herself for coaching and training opportunities.

• Level of own development plan maintenance.
• Own competency score.

Customer (20%) Driving customer satisfaction, developing and growing relationships with existing and potential customers, identifying opportunities for business development and guiding product development.

• Accurate real-time CRM data
• To ensure branch is met & exceed below customer satisfaction metrics: • Net Promoter Score • CSI/RSI • CES

Job Dimensions

Reporting Relationships

• • Direct Reports: Branch Manager
  • Indirect Reports: N/A

Stakeholder Management Internal: All NCBA Bank segment and subsidiary organizations External: Customers, eco system of existing corporate relationships, existing vendor relationships and key industry players.

Decision Making Authority

• Pricing structures and negotiation parameters. (Managerial)
• Recommending the product offering for the portfolio. (Strategic)
• Authority to block or unblock customer’s accounts as part of portfolio performance management (Operational)
• Escalation point to sustain value-add customer relationship.

Work Cycle and Impact Contribution to the 5-year bank strategy, development of the supporting Retail Sales strategy, translating the strategy into operational models and performance scorecards for the unit, in turn working with the respective team to break down performance scorecards into annual team and individual targets that deliver revenue, profitability and share of market objectives.

Ideal Job Specifications

• University degree preferably specializing in business/accounting/Finance management field Professional:
• 2-3 years’ experience in Banking or related financial institution with at least 1 year being in sales support role.
• Relevant professional qualification in banking, finance or marketing
• Practical experience in use of MS Office applications

Desired work experience: Experience in products, bank operations and customer experience is highly desirable. Knowledge of the local banking industry, banking products, banking services and banking regulations. Sound working knowledge and understanding of general Commercial Banking regulations and practices.

Ideal Job Competencies (Technical)

• • Banking/Financial Institutions Knowledge
  • Product Knowledge
  • Customer Management
  • Credit Analysis
  • Digital
  • Industry Knowledge
  • Networking Skills
  • Sales Capability

Ideal Job Competencies (Behavioural)

• Emotional Intelligence
• Social and Cross-cultural Awareness
• Agile