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Manager Retail Banking
Business Banking Department, Lahore
Apply By Feb 14, 2020
Job Description (total positions: 1, posted on: Jan 14, 2020)

Business Development

  • Develop, launch and manage a portfolio of asset and liability and other retail micro banking products in accordance with targets set forth in the Business Plan (BP)
  • In charge of Business Plans i.e., budgeting, business plans, forecasting etc. and continuous improvement of offered products.
  • Attain targeted Sales & Profit Levels to maximize value of Business Banking clients’ portfolio and clients’ satisfaction.
  • Develop new markets and segments to enhance sales and market share
  • Coordinate with marketing team to plan and implement marketing plans, campaigns etc.
  • Work with other departments to identify evolving Business Banking Product needs and maintain sales efficiency of all Business Banking Products.

Research & Development

  • Coordinate with market research from time to time to ascertain changes in the market place due to competition, economic conditions, political situation and other factors affecting microfinance industry.
  • Build and manage suite of dedicated & standardized Business Banking products tailored to local needs.
  • Responsible for expansion of Product Programs Structure, Product Programs for Business Banking and lending business and take credit approvals.

Strategic Management

  • Responsible for developing and monitoring of Business Banking Strategy
  • To develop SLA framework and lead negotiations between Business Banking and other heads (Operation, Risk, Channels, Branches, and Legal).Defining Business Banking requirements and fill gaps.
  • Remain abreast of new developments in financial services distribution strategies particularly development of new channels i.e. cell phones, simpler and more efficient ATMs, third party arrangements with other retail outlets and conduct feasibility for using them to the Bank’s advantage
  • Provide leadership to the Retail Banking Network in marketing core banking products i.e. saving, loans, remittances and others through respective Business Managers.
  • Periodic visits to Branches, Regional Offices, and meetings with Regional Managers, Branch Managers, and all branch staff.

Department Development

  • Develop an excellent understanding of the Business Banking market locally, identifying key trends, and regulations.
  • Develop a curriculum for training of Branch Managers for their banking training in line with ongoing expansion and network.
  • Responsible to be update about clients’ need and the activities of competitors, further use this knowledge to formulate strategy and react quickly to changes in the market.
  • Proactively transfer market knowledge to staff and other teams to feed into service and product development.

Reports Hatching

  • Present “Credit Report Formats” that comply with State Bank of Pakistan’s regulatory Requirements.
  • Prepare analytical reports and share with accordingly as and when required.

Core Competencies:

  • High energy self-starter
  • Agile, critical thinker
  • Strong attention to detail, positive attitude, strong management skills.
  • Have the energy and drive to influence decisions across organizational boundaries.
  • Culture promoter
  • Supportive
  • Detailed-oriented with a strong focus on generating results.
  • Motivated personality with proven success exceeding objectives and generating new business
  • Team player who is self motivated and driven to succeed
  • Well aware of market trends and customer needs
  • Ability to translate trends into a compelling partner and product strategies which require in-depth knowledge of user experience and business strategy.
  • Ability to communicate complex quantitative and qualitative analyses in a clear and actionable manner to senior executives
  • Excellent interpersonal and communication skills and strong negotiation abilities

Professional Training & Courses:

  • Performance management
  • Leadership
  • New business development
  • Vendor management
  • Key account management
  • Relationship management
  • Team management
  • Financial risk
  • Credit analysis
  • Banking rules & regulations
  • SBP Prudential Regulations
  • MIS
  • Core Banking Applications
  • Micro finance Industry Knowledge
  • Business Analysis

Required Skills

Business Development, Leadership, Decision Making, Multi Tasking,

Industry
Banking/Financial Services
Category
Accounts, Finance & Financial Services
Job Type
Full Time/Permanent ( First Shift (Day) )
Gender
No Preference
Minimum Education
Bachelors
Career Level
Experienced Professional
Required Experience
9 Years - 12 Years