Relationship Manager – Women and Youth

Job Description

Empowering Africa’s tomorrow, together…one story at a time.

With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.

My Career Development Portal: Wherever you are in your career, we are here for you. Design your future. Discover leading-edge guidance, tools and support to unlock your potential. You are Absa. You are possibility.

Job Summary

The main focus of this role is to build and maintain professional business relationships across a client portfolio on a proactive basis by driving sales and income targets, acquiring walk in clients, solutioning existing clients with cross sell, campaigns and product utilisation. The Relationship Manager is further required to manage risk and compliance on the portfolio.

Job Description

Income Growth and Financial Targets: 60%

Driving income and sales targets by cross selling, upselling and acquiring new prospective clients

Re-actively maintain ownership of a portfolio of allocated SME female and youth led clients

Ensure dedicated relationship are maintained and grown by being the single point of entry via appointment based customer interaction as well as on-site visitation

Create and maintain an annual client interaction management plan

Ensure the long-term sustainability of customers by establishing relationships with new clients and solution based up-selling to existing clients

Create a pipeline of new business by working on leads generation initiatives with Retail, CIB, Commercial, existing client base and within the business growth section of RBB

Make effective use of client planning and solutioning tools for the top 30% of the portfolio to ensure in-depth understanding of the clients’ needs and to provide clients with the best possible solutions

Focus on client graduation to Commercial sub segment

Achieve new business through cross-sell and upselling sales targets by driving cross functional teams (including but not limited to sector and product specialists) to find client-centric solutions

Achieve customer satisfaction targets within assigned portfolio by improving customer satisfaction standards by providing e-channel solutions

Track and monitor the financial performance of the portfolio through existing MI

Develop and demonstrate a deep understanding of local and regional market trends and business life cycle challenges

Track and monitor the financial performance of the portfolio by utilizing available MI

Apply risk-based pricing for all new sales and pricing reviews in line with standard pricing and fee structures/guidelines and applications. Negotiated pricing by exception, based on existing concession models

Achieve sales targets relevant to the strategic initiatives and drivers for the SME Business accounts.

Sale the business club proposition to walk in customers

Focus on customer graduation for customers to more customers focused and appropriate value proposition, upgrading the customer to the RBB Business/ Commercial cost to serve value proposition.

Drive the digital agenda of the bank by ensuring clients have access and using a digital platform

Internal and Client Relationship Management: 20%

Actively drive acquisition initiatives through engagement processes supported by wider SME segment initiatives

Conduct regular client visit in accordance with the Enterprise Business Value proposition

Own the primary relationship with the client by being the only point of entry to the client and ensure portfolio is serviced appropriately.

Make use of the middle and back-office support networks to ensure effective on-boarding and complete end-to-end service delivery.

Conduct client visits and maintain a client visitation plan to improve customer service

Participate in the internal customer surveys

Take responsibility for meeting challenging individual and team value targets.

Promote support to the Head – Women and Youth Banking and other team members where assigned

Manage Risk Assessment: 20%

Understand and apply the relevant governance and compliance procedures to activities undertaken and maintain ongoing completion of relevant governance and compliance training

Maintain customer records and accurate completion of applications and paperwork by capturing customer information

Take ultimate ownership of the portfolio’s risk management by ensuring a good understanding of both the Bank’s and the clients regulatory and compliance environments

Manage the Not Fit For Processing listings for the KAMLS ensuring that the error rates on submissions to Middle Office for 2nd tier checking of all KAMLS documents are at a minimum

Manage dormant accounts ensuring clients activate accounts or close accounts if no longer required

Take ownership for obtaining and scanning of all KAMLS (Know Your Customer and Anti Money Laundering) and other on-boarding documentation relevant to the customer (new and existing customers)

Manage accounts in excess to ensure that all such are accounts are funded or closed after applicable timeframe

Education

Higher Diplomas: Business, Commerce and Management Studies (Required)