Descriptions
To grow and retain a portfolio of Bank Channel’s Business including management of performance for agents, Merchant, mobile banking and ATMs as part of channel distribution of the Bank through relationships by performing both a pro- and re-active value adding role to those customers (Agents & Merchant) and ensuring that appropriate personal attention is given to customers and that the customers are provided with products, services and advice that meet their needs. Drive adoption by increase of users and revenue on channels, coordinate channels distribution for optimization of channels distribution to drive performance and efficiency to achieve growth in Profitability.
Responsibilities
Profitable Growth in Sales and Merchant volumes & Transactions
- Planning, executing, and monitoring Channel sales strategies & Performance including marketing within the Bank.
- Ensure achievement of agreed sales and revenue targets through management of agents, merchants, mobile banking and ATM performance within the Bank.
- Strengthen the distribution and sales network of Agents, Merchants, mobile banking, ATMs and Branches Outlets to increase visibility and performance to the Bank.
- Ensure growth of transacting customers by ensure existing & new customers are adequately serviced also drive Sales Activation within the Bank to maximize usage.
- Deliver performance by liaising with branches on proper identification of the new prospective channel’s recruitment and allocation i.e. Agents, ATM, Mobile Banking & Merchants within the Zone.
- Understand the market demographics and drive sales strategy according to customer segments through Identifying and acquiring new business opportunities within the Bank.
- Drive desirable Channel Utilization by managing all underperformance and increase efficiency to drive performance as per Bank strategy.
- Innovative in design sales activities to motivate the agent’s network within the zone for retention and drive performance.
Increase Credit and Debit card volumes through the merchant. Maximize Bank’s share and signing new relation for e-commerce, POS and QR code.
Ensure profitability (Interchange and Fee) of every merchant by charging the right price to the merchants.
- Relationship Management, Capacity building and people Management
- Development of agency banking and merchant business through optimal relationship management among stakeholders in the Bank.
- To enhance capacity building ensure Management of training of agents, staff, field team and stakeholders on business growth and compliance of Agency Banking, Mobile Banking, ATM and Merchant business operations.
- Initiate active relationship management through continuous and effective engagement with Agents, Merchants and Monitoring the market very closely for dynamics on customer behaviour, competition, policies, compliance, and regulations.
- Managing Branches performance by tracking and monitor their day-to-day activities in line with targets to drive performance of alternative channel of the Bank.
- Periodic visit in Branches to ensure correct implementations of alternative channels strategies, policies, and compliance also to monitor performance and evaluation of branches and field team KPIs.
- Risk and Compliance
- Ensure compliance of Channels operations within the zone as per Banks and Regulatory requirements
- Ensure periodic review of compliance of Agency Banking, ATM and Merchant business operations.
- Ensure proper KYC documentation for all new Agents and Merchants
Risk and Compliance
- Ensure compliance of Channels operations within the zone as per Banks and Regulatory requirements
- Ensure periodic review of compliance of Agency Banking, ATM and Merchant business operations.
- Ensure proper KYC documentation for all new Agents and Merchants
Requirements
Experience Required
- Minimum of 3 years’ experience in the Banking industry, Mobile Network Operator (MNO), or agency network operations with proven strong interpersonal skills.
Competencies and Attributes required
- The highest level of un compromised integrity.
- Versatile and adaptable, able to react quickly
- Able to work in a demanding matrixed environment, a proven track record of working effectively under pressure
- Proven ability to build effective, trusted and credible relationships with multiple constituencies through exceptional interpersonal skills, communications, actions and presence.
Education Requirements
- University Degree or equivalent Advanced Diploma preferably in Business Administration, Banking, Accounting, Finance or any Business-related field.
- Prior exposure to field operations on agent network institutions/ Sales/direct sales operations will be an added advantage.
Skills Required
- adaptable and flexible
- Building Strong Client Relationship
- Interpersonal Skills
- Communication
- Ability To Work Under Pressure
- Commited in ethics and integrity
- Multitasking abilty