Latest Vacancies at Addosser Microfinance Bank Limited

Main Responsibilities

• Sales strategy & forecasting - work closely with the Deposit Mobilization teams to analyze business performance.
• Design Operational marketing material - support the design and implementation of advertising, and operational marketing materials.
• The Head, Savings shall be responsible with the cross-selling of the organization’s financial products and support the development of delivery channels and front-end technology to improve client’s access to financial services.
• Cross sell all savings accounts accordingly and other alternative delivery channel products as applicable against given targets on specific assigned operational areas.
• Develop and Identify suitable savings promotion activities according to area specification and prepare the action plan.
• Drive activities, leads the team and the follow up process for opening accounts to the potential customers of the bank especially customer mobilized through market storm.
• Develop and implement strategies to grow/retain the bank’s saving deposit.
• Customer value management - analyze customer demographics and behavioral trends, and develop appropriate campaign strategies in response to the results of this analysis.
• Responsible for ensuring adequate brochures and savings promotional materials are available at the branches.
• Channel development - assess the performance of various market channels in the bank, and track development.
• Responsible for making appropriate recommendations on future business initiatives. In addition, track developments in other channels.
• Brand - undertake research on brand performance that supports its evolution.
• Ensure proper relationship management internal and external.
• Ensure proper performance management metrics is established.
• Collaboration with the Head Strategy & Head Retail on coordinating Mass Marketing activities.
• Formulating strategies and ad campaign

Relevant Skills, Qualification, Attributes & Experience

• A First Degree in Economics, Finance or any other discipline. Master’s Degree is an added advantage.
• Minimum of 5 years banking experience.
• Extensive experience of working in a marketing function in a retail financial services environment
• In-depth knowledge of financial products.
• The suitable candidate will be able to demonstrate an understanding of the need to balance commercial and regulatory risk.
• Applicant should have a proven track record in working within a project team.
• Strong evidence of working with multi-stakeholder teams with internal and external resources.
• Self-motivated individual with the ability to energize others
• Established credibility and experience interfacing with senior leadership
• Ability to work under tight deadlines and to prioritize under pressure
• proven analytical capability

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Duties and Responsibilities

• Evaluate customers' loan applications in line with the bank's credit policy.
• Identify critical risks in credit request and provide advisory on how requests can be restructured in line with the bank’s risk appetite.
• Has relevant experience in analyzing consumer and SME loans.
• Organization of credit committee.
• Portfolio management & reporting.
• Create innovative credit evaluation processes and systems.
• Evaluate clients for credit worthiness based our internal risk models & their application information.
• Weed out fraudulent applications, and unreliable applicants.
• Check Facility Letters and Loan Agreements and scrutinize the signed documents to ensure the correctness of the contracts.
• Continuously ensure alignment/compliance to the credit risk management framework.
• Continuously analyze and recommend improvement on credit risk management framework, processes and systems.
• Preparation of statutory reports.

Relevant Skills, Qualification, Attributes & Experience

• A first degree in Economics, Finance or any other discipline, Master’s Degree is an added advantage.
• Minimum of 3 years banking experience.
• Good knowledge of accounting and relevant lending ratios.
• Experience in SME & consumer lending.
• Analytical skills
• Good communications.
• Good reporting skills.