Jobs at Huko Advisory Services Limited

Job Summary

Sells the Bank products directly to customers, often through field visits or calls.

Key Roles & Responsibilities

• Client Acquisition: Identify and approach potential clients to offer microfinance products and services.
• Product Knowledge: Have in-depth knowledge of the bank's products, services, and eligibility criteria to effectively advise clients.
• Sales Targets: Achieve individual and team sales targets as set by the bank.
• Client Relationship Management: Build and maintain strong relationships with clients to encourage repeat business and referrals.
• Application Processing: Assist clients in filling out and submitting loan and account applications, ensuring all necessary documentation is provided.
• Compliance: Ensure all sales activities comply with regulatory and internal policies, including KYC (Know Your Customer) and AML (Anti-Money Laundering) requirements. 7. Market Research: Conduct market research to identify trends, customer needs, and potential areas for growth.
• Training and Development: Stay updated on new products, services, and market developments through ongoing training and professional development.
• Customer Service: Address client queries and concerns promptly and professionally, providing a high level of customer service.
• Reporting: Maintain accurate records of sales activities, client interactions, and feedback, and report regularly to management.
• Field Visits: Conduct field visits to engage with potential clients in their communities and understand their financial needs better.
• Feedback Collection: Gather feedback from clients to help improve products and services offered by the bank.
• Collaboration: Work closely with other team members and departments to ensure seamless service delivery and address any issues that arise

Qualifications and Skills

• OND, HND or equivalent; a degree in Business or Marketing is a plus.
• Experience in direct sales or customer-facing roles is advantageous.
• Strong sales and interpersonal skills.
• Ability to work independently and achieve sales targets.
• Good communication and presentation skills.
• Knowledge of financial products and services.
• Proficiency in using sales tools and CRM systems.

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Job Summary

• Sales Relationship Manager’s responsibility is to develop and implement marketing strategies to promote our products and services, enhance brand awareness, and drive business growth.
• This role requires creativity, analytical skills, and a deep understanding of market trends to ensure successful marketing campaigns.

Job Roles and Responsibilities
Strategic & Business Development:

• Develop and implement annual Sales and Marketing Strategy for Management and Board approval.
• Drive achievement of risk asset and deposit mobilization targets.
• Identify new market opportunities and customer segments for business expansion.
• Monitor market trends, competitor activities, pricing, and product innovations.

Portfolio & Risk Management:

• Ensure Portfolio at Risk (PAR) is maintained within Board-approved threshold.
• Drive adherence to credit policies, KYC, and AML requirements.
• Monitor loan performance and support recovery efforts where required.
• Ensure proper customer onboarding and documentation processes.

Revenue & Performance Management:

• Prepare and manage monthly, quarterly, and annual sales budgets
• Set, monitor, and report team performance goals and KPIs.
• Provide weekly and monthly performance reports to Executive Management.
• Drive cross-selling and upselling of Bank products and services.

Team Leadership & Supervision:

• Supervise, coach, and mentor Sales Supervisors and Officers.
• Conduct periodic performance reviews.
• Foster a high-performance and compliance-driven sales culture.

Compliance & Governance:

• Ensure full compliance with CBN guidelines and internal policies.
• Act as Management representative in sales-related matters.
• Escalate risk exposures and performance concerns promptly.

Educational and Professional Requirement

• A good First Degree from a reputable university (Preferably in Marketing, Banking & Finance, Accounting, Economics, or related field).
• 2 years or more experience in sales (Preferably in a commercial bank, MFB or insurance banks)
• Strong leadership, analytical, and negotiation skills.
• Excellent written and verbal communication skills.

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Objectives

• The Head of sales is responsible for developing and implementing effective sales strategies for the bank’s growth and revenue targets.
• This position entails managing the sales team, overseeing customer acquisition, ensuring customer retention and expanding the bank’s market presence.

Job Roles and Responsibilities

Strategic Planning and Execution:

• Develop and implement the sales strategy aligned with the bank's business goals.
• Identify new market opportunities and create plans to capture these opportunities.
• Set sales targets and ensure they are met by the sales team.

Sales Team Management:

• Lead, manage, and mentor the sales team to achieve their targets.
• Conduct regular training sessions to enhance the skills of the sales staff.
• Evaluate the performance of the sales team and provide feedback for improvement.

Market Analysis and Research:

• Conduct market research to understand customer needs and market trends.
• Analyze competitor activities and adjust sales strategies accordingly.
• Keep abreast of regulatory changes affecting the microfinance sector and adjust strategies as needed.

Customer Relationship Management:

• Build and maintain strong relationships with key customers and stakeholholders.
• Ensure high levels of customer satisfaction through excellent service and effective resolution of issues.
• Develop strategies for customer retention and loyalty.

Sales Operations:

• Oversee the day-to-day operations of the sales department.
• Ensure that sales processes and policies are adhered to and are effective.
• Manage the sales budget and allocate resources efficiently.

Product and Service Development:

• Collaborate with the product development team to tailor products and services that meet customer needs.
• Provide feedback from the field to improve existing products and develop new offerings.

Reporting and Analysis:

• Prepare regular sales reports for the senior management team.
• Use data and analytics to measure the effectiveness of sales strategies and make data driven decisions.

Team Leadership & Supervision

• Supervise, coach, and mentor Sales Supervisors and Officers.
• Conduct periodic performance reviews.
• Foster a high-performance and compliance-driven sales culture.
• Monitor key performance indicators (KPIs) and adjust strategies as necessary to achieve targets.

Compliance and Risk Management:

• Ensure all sales activities comply with relevant regulations and internal policies.
• Identify and mitigate risks associated with sales operations.
• Work closely with the compliance team to ensure the sales team's adherence to legal and regulatory requirements.

Collaboration with Other Departments:

• Work closely with marketing, finance, and operations to ensure a unified approach to achieving the bank's objectives.
• Facilitate communication between the sales team and other departments to streamline processes and improve service delivery.

Innovation and Continuous Improvement:

• Foster a culture of innovation within the sales team.
• Implement best practices in sales management and continuously seek ways to improve efficiency and effectiveness.

Educational and Professional Requirement

• Bachelor's Degree in Business Administration, Finance, Economics, Marketing or a related field.
• 7-10 years of experience in Sales or Business Development with at least 5 years in a leadership role.
• Proven experience in compliance, regulatory affairs, or a similar role.
• Thorough understanding of the microfinance sector.
• Strong analytical and problem-solving skills.
• Ability to develop and execute effective sales strategies.
• Excellent communication and interpersonal abilities.
• Certification in CIM, PMP, FRM is advantageous.