Jobs at Personal Trust Microfinance Bank

Job Description

• A Relationship Officer is responsible for prospecting, marketing, business development, and income generation in line with the key performance indicators.
• The Relationship Officer is the interface between the Bank and the customer and nurtures mutually beneficial relationships between both parties.

Duties and Responsibilities

• Achieve growth within the key performance indicators: liability and risk asset generation, account opening, income generation, and e-banking product offerings.
• Evaluate the creditworthiness of customers by processing loan applications and documentation.
• Monitors active loans and enforces collection and recoveries.
• Ensures the achievement of all budget parameters.
• Develop referral networks and cross-sell products and services.
• Ensures a high level of customer satisfaction through excellent customer engagement and service delivery.
• Actively seek out new sales opportunities through cold calling, networking, and referrals.
• Expedites the resolution of complaints to maximize satisfaction and boost the customer service experience.
• Achieve a healthy portfolio and deposit mix.
• Executes marketing strategies and develops marketing campaigns.
• Ensures compliance with all internal policies and regulatory guidelines.
• Monitors competition by gathering current marketplace information on pricing, products, etc.
• Recommends changes in products, services, and policies by evaluating results and competitive developments.
• Identify potential loan markets and develop referral networks.
• Perform any other duties as may be assigned by Management.

Qualifications and Experience

• Candidates should possess a B.Sc / HND qualification in Social Science or any other related course.
• 3 - 10 years of work experience
• Evidence of completion / exemption from NYSC.
• Previous experience in a marketing role in a Microfinance Bank or Financial Organization is an advantage.

Skills:

• Demonstrated ability to communicate, present, and influence credibly and effectively at all societal levels.
• Proven ability to drive the sales process.
• Strong business sense and industry expertise.
• Basic understanding of sales principles and customer service practices.
• Friendly, helpful, confident, and engaging personality.
• Excellent communication and interpersonal skills.
• Ability to work in a goal-oriented environment.
• Ability to work in a team
• Strong planning, organizational, and time management abilities
• Proficient in the use of the MS Office suite.

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Job Description

• The E-business Officer is responsible for the alignment of e-business strategies with the short and long terms goals of the bank.
• The job holder ensures the support and growth of e-products and services in order to achieve the digital transformation vision of the bank.

Duties and Responsibilities

• Increase the profitability of e-business by achieving e-business budget.
• Assist the Head of E-business on project implementation within budget and set time frames.
• Comply with operating manuals / procedures for e-products operations.
• Comply with strategies to increase the bank’s market share by growing the number of active users of e-business solutions.
• Manage each channel as a business, focusing on service delivery income streams and costs Manages all self-service channels including websites, applications, software’s etc.
• Supervise Cards, and mobile money operations of the bank.
• Ensure customers’ disputes/claims regarding e-channel transactions are resolved within TATs.
• Ensure reconciliation of ledgers and settlement of transactions.
• Ensures fees due to the bank are received from third parties as and when due.
• Provides user support for the core banking and alternative banking channels.
• Implement security measures to protect systems and infrastructure.
• Report all suspicious or fraudulent activities to Compliance.
• Flexibility to carry out any other task as requested by Management.

Qualifications

• HND/BSc/ in IT or Computer Science
• Evidence of completion/ exemption of/from NYSC
• Evidence of completion of Microfinance Certification program.

Experience:

• Minimum of five (5) years’ experience in IT and e-commerce in a bank.

Skills:

• Channel Management
• E-Banking Business Savvy
• Business Acumen
• Product Development
• Ability to multi task and meet tight deadlines
• Excellent verbal and written communication skills, including ability to effectively communicate with internal and external customers
• Strong strategy and implementation skills
• Proficient in the use of MS Office Suite.