KPA (Key Performance Areas)

Key Responsibilities

A)      Sales and Business Development

·    Proactively identify, target, and acquire new customers through direct sales activities, networking, referrals, field visits, and community engagement initiatives.

·    Promote and sell the Bank's products and services, including transactional banking products, savings and investment solutions, personal loans, credit cards, insurance products, and digital banking services.

·    Generate and maintain a healthy sales pipeline to ensure consistent achievement of sales and revenue targets.

·      Conduct customer needs assessments and recommend suitable financial solutions that align with customers' financial objectives.

·    Execute effective sales presentations and product demonstrations, clearly articulating product features, benefits, pricing, and value propositions.

·      Manage the entire sales lifecycle, from prospecting and lead generation through to onboarding, activation, and post-sale support.

·   Consistently meet or exceed individual monthly, quarterly, and annual sales targets and key performance indicators.

B)      Customer Relationship Management

·  Develop and maintain strong, long-term relationships with customers to enhance customer retention and loyalty.

·   Deliver exceptional customer service by responding promptly and professionally to customer enquiries and concerns.

·    Identify opportunities to cross-sell and up-sell relevant banking products and services.

·   Act as a trusted advisor by providing customers with informed financial guidance and personalized banking solutions.

·  Ensure a positive onboarding experience and facilitate seamless customer integration into the Bank's product ecosystem.

C)      Operational Excellence and Compliance

·      Maintain accurate and up-to-date records of customer interactions, sales activities, and business development initiatives within the relevant CRM and banking systems.

·    Ensure full compliance with the Bank's policies, procedures, regulatory requirements, and risk management frameworks.

·    Prepare and submit sales reports, pipeline updates, and activity reports within required timelines.

·  Safeguard customer information and uphold the highest standards of confidentiality and professionalism.

·   Continuously enhance product knowledge and remain informed about the Bank's products, campaigns, service offerings, and industry developments.

D)     Stakeholder Collaboration

·     Collaborate closely with branch staff and internal stakeholders to facilitate successful customer onboarding and service delivery.

·       Support marketing campaigns, sales activations, and community engagement initiatives aimed at expanding the Bank's customer base.

·    Participate in sales meetings, training sessions, and performance review discussions to drive continuous improvement and sales effectiveness.

Competency Profile

·         Customer Focus

·         Service Excellence

·         Relationship Management

·         Results Orientation

·         Commercial Awareness

·         Negotiation and Influencing Skills

·         Planning and Organizing

·         Attention to Detail

·         Time Management

·         Accountability

·         Teamwork and Collaboration

·         Analytical Thinking

·         Communication Skills

·         Adaptability and Continuous Improvement

Other Duties

·      Any other duties allocated to him/her that is Legal and authorised as per the Bank’s policies and procedures.