2 Relationship Manager – SME (Micro-Financial Institution)
2025-07-17T20:39:29+00:00
Brilliance Executive Management
https://cdn.greatzambiajobs.com/jsjobsdata/data/employer/comp_2469/logo/Brilliance%20Executive%20Management%20Consultancy%20Limited.jpg
https://bemconsult.com/
FULL_TIME
Lusaka
Lusaka
10101
Zambia
Consulting
Management
2025-07-23T17:00:00+00:00
Zambia
8
Description:
Job Purpose
The SME Banking Relationship Manager will primarily responsible for business development, servicing and managing SME customer relationships through one-on-one engagement, identifying client needs and providing them with the appropriate bank products, services and solutions. Build and manage SME and Micro SME clients so as to ensure optimum customer acquisition, loan and deposit growth, retention and income generation. Generate Revenue Pools for the Bank through SME sales, leading to fee-based income, interest income and & growing deposits.
Proactively identify cross-sell opportunities within own portfolio of customers to maximize life cycle opportunities. Be guided by the segment value proposition and sales targets as to what the priority products are both from a bank and customer perspective.
Summary of Key Responsibilities:
- Manage the development of prudently risk assets, deposits, increase the customer base to ensure Bank`s maximum profitability. Conduct a needs analysis with all new and existing customers to ensure that product opportunities identified are appropriate to meet the customer’s needs and priorities.
- Identify and develop a target pipeline and aggressively market for new profitable status customers from the identified target sectors,
- Manage key customer relationships through regular contacts and visits by ensuring the effective call program is maintained on all assigned and prospect customers
- Ensure compliance to Know Your Customer (KYC) and Anti Money Laundering (AML) requirements in all dealings with existing and potential customers,
- Proactively manage the portfolio to maximize revenue for the Bank (referring to fees, margins and sales), minimize costs and risks, whilst maintaining and entrenching the customer’s relationship with the Bank appropriately.
- Ensure that the Customer is central to the entire life cycle approach of maximizing sustainable value adds to both the Customer and the Bank.
- Establish, build and strengthen one-on-one relationships with customers, based on mutual respect, to retain customers and gain word-of-mouth referrals.
- Ensure that customers are appropriately educated regarding the value of using self-service channels (Internet Banking, ATMs & Mobile Banking) to empower SME customers and minimize adhoc service requests. Assist with migration facilitation the migration of customers to self-service channels where appropriate.
- Establish quality profit earning customer relationship within the target market.
- Manage credit and operational risks in accordance with laid down policies and procedures.
- Ensure SME Portfolio accountability, Monitoring and Quality of assets is enhanced from origination and after disbursement
Required Skills and Competencies
- Excellent verbal and written communication skills
- Sound sales and project management skills
- Good presentation skills
- Excellent analytical skills
- Sound customer service skills
- Excellent interpersonal skills
- Excellent negotiating skills
- Good leadership skills
- Excellent engagement skills
Primary Areas of Accountability:
Qualifications and Experience:
- Bachelor’s Degree in Agriculture, Banking, Business or related field
- Must have a minimum of 5+ years proven experience in SME relationship management, sales, or business development in the financial services sector.
- Must have knowledge of SME banking products and policies
- Knowledge of local market environment and financial issues that may impact portfolio.
- Proven working knowledge of bank systems.
- Thorough understanding of credit principles as well as application and maintenance processes.
- Strong sales, customer service and relationship management experience
- Proven understanding of the SME sector, including the digital tools and technologies that can drive growth and transformation.
- Must be a member of a relevant professional body
Summary of Key Responsibilities: Build a network of business introducers in the business community, and seeking new opportunities and nurturing existing relationships to identify new business opportunities. Adhere to structures and processes in place for the management of credit, operational, reputation, financial crime and regulatory risk. Negotiate and structure new and renewed commercial loans; prepares and documents current applications; recommend and submit applications for credit Drive revenue growth through understanding customer needs and by adopting a needs-based approach which engages clients and increases new business Define and execute a digital-first sales strategy to grow your agri-business portfolio, ensuring alignment with growth targets and strategic initiatives. Develop sales campaigns and initiatives that tap into the unique opportunities within the agri-business segment. Source new business through innovative digital channels and relationships. Utilize technology and data analytics to identify customer needs, offering both standard and customized solutions that resonate with the agri-business community. Build and maintain a strong network of key contacts within the agri-business ecosystem, from farmers to agritech innovators. Organize and participate in digital events, webinars, and other community-building initiatives that enhance customer engagement and demonstrate the value of solutions in the agri-business sector. Cultivate and sustain professional, long-term relationships with customers by consistently delivering exceptional value in every interaction. Expand your portfolio by attracting quality prospects and customers, securing their complete relationship as well as those of their family and friends. Master and implement a proven, well-defined process to ensure each agric customer receives unparalleled value. Ensure accurate and timely tracking of sales data within the pipeline system.
Excellent verbal and written communication skills Excellent sales and project management skills Good presentation skills Excellent analytical skills Sound customer service skills Excellent interpersonal relations skills Excellent negotiating skills Good leadership skills Excellent engagement skills
alifications and Experience: Degree in Agriculture, Banking, Business or related field Must have a minimum of 5+ years proven experience in relationship management, sales, or business development in the financial services sector. Proven understanding of the agri-business sector, including the digital tools and technologies that can drive growth and transformation. Credit analysis and origination experience Knowledge of agriculture, the market and competition Strong sales acumen and the ability to develop digital-first solutions that meet client need Must have experience with a broad range of digital banking products, including mobile banking, digital payments, online lending, and agritech solutions. Must be a member of a relevant professional body
JOB-68795f81d6b7d
Vacancy title:
2 Relationship Manager – SME (Micro-Financial Institution)
[Type: FULL_TIME, Industry: Consulting, Category: Management]
Jobs at:
Brilliance Executive Management
Deadline of this Job:
Wednesday, July 23 2025
Duty Station:
Lusaka | Lusaka | Zambia
Summary
Date Posted: Thursday, July 17 2025, Base Salary: Not Disclosed
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JOB DETAILS:
Description:
Job Purpose
The SME Banking Relationship Manager will primarily responsible for business development, servicing and managing SME customer relationships through one-on-one engagement, identifying client needs and providing them with the appropriate bank products, services and solutions. Build and manage SME and Micro SME clients so as to ensure optimum customer acquisition, loan and deposit growth, retention and income generation. Generate Revenue Pools for the Bank through SME sales, leading to fee-based income, interest income and & growing deposits.
Proactively identify cross-sell opportunities within own portfolio of customers to maximize life cycle opportunities. Be guided by the segment value proposition and sales targets as to what the priority products are both from a bank and customer perspective.
Summary of Key Responsibilities:
- Manage the development of prudently risk assets, deposits, increase the customer base to ensure Bank`s maximum profitability. Conduct a needs analysis with all new and existing customers to ensure that product opportunities identified are appropriate to meet the customer’s needs and priorities.
- Identify and develop a target pipeline and aggressively market for new profitable status customers from the identified target sectors,
- Manage key customer relationships through regular contacts and visits by ensuring the effective call program is maintained on all assigned and prospect customers
- Ensure compliance to Know Your Customer (KYC) and Anti Money Laundering (AML) requirements in all dealings with existing and potential customers,
- Proactively manage the portfolio to maximize revenue for the Bank (referring to fees, margins and sales), minimize costs and risks, whilst maintaining and entrenching the customer’s relationship with the Bank appropriately.
- Ensure that the Customer is central to the entire life cycle approach of maximizing sustainable value adds to both the Customer and the Bank.
- Establish, build and strengthen one-on-one relationships with customers, based on mutual respect, to retain customers and gain word-of-mouth referrals.
- Ensure that customers are appropriately educated regarding the value of using self-service channels (Internet Banking, ATMs & Mobile Banking) to empower SME customers and minimize adhoc service requests. Assist with migration facilitation the migration of customers to self-service channels where appropriate.
- Establish quality profit earning customer relationship within the target market.
- Manage credit and operational risks in accordance with laid down policies and procedures.
- Ensure SME Portfolio accountability, Monitoring and Quality of assets is enhanced from origination and after disbursement
Required Skills and Competencies
- Excellent verbal and written communication skills
- Sound sales and project management skills
- Good presentation skills
- Excellent analytical skills
- Sound customer service skills
- Excellent interpersonal skills
- Excellent negotiating skills
- Good leadership skills
- Excellent engagement skills
Primary Areas of Accountability:
Qualifications and Experience:
- Bachelor’s Degree in Agriculture, Banking, Business or related field
- Must have a minimum of 5+ years proven experience in SME relationship management, sales, or business development in the financial services sector.
- Must have knowledge of SME banking products and policies
- Knowledge of local market environment and financial issues that may impact portfolio.
- Proven working knowledge of bank systems.
- Thorough understanding of credit principles as well as application and maintenance processes.
- Strong sales, customer service and relationship management experience
- Proven understanding of the SME sector, including the digital tools and technologies that can drive growth and transformation.
- Must be a member of a relevant professional body
Work Hours: 8
Experience in Months: 60
Level of Education: bachelor degree
Job application procedure
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