Job Description
Job Summary
• The Relationship Manager Retail Banking will drive growth within the retail banking segment by acquiring new customers, mobilizing deposits, and expanding the bank’s retail loan portfolio.
• The role requires strong sales capability, customer engagement skills, and the ability to leverage digital platforms to scale financial inclusion and product adoption.
• The ideal candidate will build strong relationships with retail customers while promoting the bank’s fintech-enabled financial products including savings, digital loans, and payment solutions.
Key Responsibilities
Customer Acquisition & Portfolio Growth:
• Acquire new retail customers through field engagement, partnerships, and digital channels.
• Grow the retail deposit base through strategic deposit mobilization initiatives.
• Build and manage a strong portfolio of retail customers.
• Achieve assigned targets relating to customer acquisition and deposit growth.
Lending & Credit Origination:
• Identify lending opportunities within the retail segment.
• Conduct basic credit profiling and support loan origination processes.
• Ensure accurate documentation and compliance with lending policies.
• Monitor loan utilization and repayment performance.
Relationship Management:
• Maintain strong relationships with existing customers to enhance retention.
• Provide tailored financial solutions based on customer needs.
• Cross-sell digital banking products including savings, loans, and payment solutions.
Market Intelligence:
• Monitor market trends and customer behavior within the retail banking segment.
• Provide insights to improve product offerings and service delivery.
Core Competencies:
• Key Performance Indicators
• Retail deposit growth
• Customer acquisition numbers
• Loan portfolio growth
• Loan repayment performance
• Product cross-selling performance.
Requirements
• Bachelor’s degree in Banking, Finance, Business Administration, or related discipline.
• 3–5 years’ experience in retail banking, fintech sales, or financial services relationship management.
• Proven experience in deposit mobilization and loan portfolio growth.
• Strong understanding of digital financial services.
• Excellent relationship management and communication skills.
• The Relationship Manager Retail Banking will drive growth within the retail banking segment by acquiring new customers, mobilizing deposits, and expanding the bank’s retail loan portfolio.
• The role requires strong sales capability, customer engagement skills, and the ability to leverage digital platforms to scale financial inclusion and product adoption.
• The ideal candidate will build strong relationships with retail customers while promoting the bank’s fintech-enabled financial products including savings, digital loans, and payment solutions.
Key Responsibilities
Customer Acquisition & Portfolio Growth:
• Acquire new retail customers through field engagement, partnerships, and digital channels.
• Grow the retail deposit base through strategic deposit mobilization initiatives.
• Build and manage a strong portfolio of retail customers.
• Achieve assigned targets relating to customer acquisition and deposit growth.
Lending & Credit Origination:
• Identify lending opportunities within the retail segment.
• Conduct basic credit profiling and support loan origination processes.
• Ensure accurate documentation and compliance with lending policies.
• Monitor loan utilization and repayment performance.
Relationship Management:
• Maintain strong relationships with existing customers to enhance retention.
• Provide tailored financial solutions based on customer needs.
• Cross-sell digital banking products including savings, loans, and payment solutions.
Market Intelligence:
• Monitor market trends and customer behavior within the retail banking segment.
• Provide insights to improve product offerings and service delivery.
Core Competencies:
• Key Performance Indicators
• Retail deposit growth
• Customer acquisition numbers
• Loan portfolio growth
• Loan repayment performance
• Product cross-selling performance.
Requirements
• Bachelor’s degree in Banking, Finance, Business Administration, or related discipline.
• 3–5 years’ experience in retail banking, fintech sales, or financial services relationship management.
• Proven experience in deposit mobilization and loan portfolio growth.
• Strong understanding of digital financial services.
• Excellent relationship management and communication skills.
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