Relationship Manager, Business
About the role
Equity Bank Tanzania is looking for a Relationship Manager, Business to supervise the staff of the branch business development unit. The Relationship Manager will lead the team on sales and business development to grow the customer base, CASA and term deposits, and non funded income (NFI), maintain a high quality loan portfolio, improve PAR 30 and PAR 90, cross sell bank products, and maintain good client relationships in line with KPIs. What you will do: Identify and negotiate business opportunities that will grow business of the branch in line with annual business targets and Bank strategy Develop and implement an annual business plan and sales strategy that will contribute to the overall business plan of the branch as well as Bank strategy. Ensure growth of CASA deposit and contribute by 70% of the total branch deposits. Ensure growth of a quality loan portfolio across all customer segment and business sectors and generate profit in line with business targets. Ensure growth of customer base and actively operate their bank accounts Ensure recruitment of Equity Agents and Super agents in line to the Branch targets and growth of number of transactions Recruit Merchants, monitor performances of all POS in the area to ensure attainment of unit targets in line with branch objectives and goals. Ensure customers are on boarded on the ABC platforms and growth of number of transaction increases to reduce traffic at the branch and grow NFIs Ensure growth on NFIs by cross selling trade finance products, increase transactional banking services, insurance and other products and services that will generate NFIs Cross selling Bank products and ensure product usage per customer is enhanced to at least 8 products per customer Ensure number of dormant accounts is substantially reduced to very minimal at least 15% of the total branch customers Manage and enhance existing business relationships within the portfolio to ensure the retention of customers in line with business needs. Review own and other loan portfolios and recommend appropriate interventions to ensure it performs in line with approved performance indicators and targets. Liaise with all stakeholders for example, clients, government institutions and other financial institutions to ensure that the Banks interests are properly represented and safeguarded. Supervise, provide appropriate guidance and mentor Relationship Officers to ensure on boarding of good and quality business and adherence to all Bank policy and procedures including compliance to KYC and Money Laundering Policies Going out to meet and interact with current segmented clients of Equity Bank as an awareness drive to build confidence in the new ventures with the aim of maintaining them and winning their loyalty Provide timely reports, recommendations and feedback to immediate supervisors and top management on developments and progress of the business Liaise and coordinate activities with the Commercial Department and other stakeholders at Head Office Advise the BGDM on all branch matters concerning growth of branch business and people management. Participate in the preparation of the branch budget and Annual Plan Carry out any other related duties as may be assigned by the BGDM that will be relevant to the Bank business Collect and prepare market intelligence information, on corporate and retail products and services to ensure business growth of the segment in line with branch goals Location: Dar es Salaam. How to apply: Apply online via the Equity Bank careers portal: https://equitybank.taleo.net/careersection/ext_new/jobdetail.ftl?job=26000155&tz=GMT%2B03%3A00&tzname=Africa%2FDar_es_Salaam
Key requirements
- Demonstrated understanding of the Bank’s major product offerings to clients especially syndication, co financing, club deals, correspondent banking products including letters of credit, factoring, forfaiting, structured trade finance, carbon financing, corporate finance risk participations, project related financing and considerable knowledge of how this work.
- Demonstrated understanding and experience of the structured trade finance operating model as a basis for the mitigation of identified risks in potential business transactions and especially in the areas of credit risk management and monitoring.
- Ability to communicate and function in a culturally diverse and change oriented setting and therefore knowledge of the workings of the main segments of the trade finance markets and the participants in major regions of Africa.
- Excellent verbal and written communication skills in English.
- Knowledge of the Bank’s other working languages is an added advantage.
- Proven experience in marketing trade and project finance products will be a distinct advantage.
- Willingness to travel extensively and to work long hours where required to achieve the Bank’s objectives
- Sound experience of at least 3 years in banking and familiarity with the Bank’s major business development channels in trade finance, project finance, export development, and asset financing.
- Proven track record in portfolio management, business development, and client acquisition
- Bachelor’s degree in Finance, Business Administration, Economics, or a related field.
- Professional certifications (e.g., Certified Financial Planner, Credit Analyst) are a plus.
- Formal credit training is highly valued.
- Strong understanding of banking regulations, compliance standards, and risk management.
- Familiarity with KYC, AML, and credit policies.