Head – Retail Product Sales

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Zambia National Commercial Bank Plc (Zanaco) is inviting applications from suitably qualified individuals with relevant experience for the following job aimed at contributing to the Bank’s strategic vision, in the Commercial Division under the Retail Banking Department at Head Office:- HEAD – RETAIL PRODUCT SALES JOB PURPOSE Primarily accountable for driving balance sheet performance on both liabilities and assets and providing key enablers to the frontlines success in driving individual product sales including driving our staff banking proposition in all Corporate and Commercial clients. Owns overall P&L for all retail products and drives initiatives required to achieve the product marketing and sales strategy. Under the supervision of the Head Retail Banking, the following are among the Job Key Responsibilities:-


Develop and implement the Retail sales strategy.

Establish an operating rhythm driving our staff banking proposition

Drive the marketing strategy complimenting all retails product sales

Own 3rd party partnerships that drive our product dominance

Drive product utilisation across all client segments

Actively manage retail balance sheet to ensure optimisation of returns

Establish retail products performance standards

Expand market share through product sales volumes

Set performance targets for the year i.e. number of funded accounts and sales implementation

Monitor account throughput per product - product contribution to portfolio

Propose and implement sales interventions per cluster, product mix and uptake

Perform lead role for all retail sales promotions, events and leads

To provide weekly accounts sales dashboards/trends and highlights to the Head Retail Banking

To be responsible for the growth and maintenance of retail assets portfolio

To ensure customer retention through cross selling, sales promotions, out-marketing calls, presentations and conversion of wholesale retail opportunities i.e. salary accounts, teachers accounts and pensions

Ensure adherence to customer complaints resolution and escalation

To conduct training for customer facing staff e.g. product knowledge, sales, complaints handling, process, operations, controls etc

To share knowledge and experience and best practice with team members in order to ensure that team performance complies with set service standards.

Internal/External Contact External

Local Regulators on statutory matters. Internal

Corporate Banking Departments

Retail Banking Departments

Treasury Departments

Information Technology


Grade 12 Credit or above mandatory in Mathematics and English and any other three subjects University Degree in relevant subject

MBA is an added advantage

Eight (8) years banking experience

Demonstrated complaint handling and skills certifications

Job Core Competencies

Verbal and written communication

Delighting customers


Persuading and selling

Drive for results

Analytical thinking

Team work

Customer service orientation



Problem solving

Conceptual thinking

Strategic leadership

Presentation and facilitation

Application Procedure

All applications MUST have an application/cover letter, copies of qualification certificates including Grade 12 and detailed curriculum vitae indicating the position being applied for in the subject line and should be sent by email to the email below:

Application deadline
21 Dec 22:00
Apply online
Zambia National Commercial Bank (ZANACO) image
Zambia National Commercial Bank (ZANACO)
Personal banking
Agribusines and SME business banking
Corporate finance
Electronic payment systems
Zambia National Commercial Bank, commonly known as ZANACO provides personal and business banking, corporate finance, Visa payment systems, investment and loan facilities. ZANACO is the largest financial services provider in Zambia. ZANACO has partnered with Zampost to allow customers to deposit and withdraw funds from their accounts from anywhere in Zambia. The bank has a special interest in agribusiness and small and medium enterprises, offering SMEs payroll solutions.