Standard Bank Group Careers

Job Description

To deliver a Talent Acquisition service by executing on talent acquisition needs for the respective Country through effective sourcing and channel optimisation.

Qualifications

Minimum Qualifications

• Type of Qualification: First Degree
• Field of Study: Human Resources

Experience Required

Talent Acquisition 

• People & Culture
• 8-10 years Demonstrated workplace experience within the area of specialisation with evidence of contribution to the P&C practice.

Additional Information

Behavioral Competencies:

• Adopting Practical Approaches
• Articulating Information
• Embracing Change
• Establishing Rapport
• Exploring Possibilities

Technical Competencies:

• Decision Making
• Digital Advocacy
• Inclusive Facilitation
• Integrative Leadership
• Organisational Navigation

Job Description

Job Purpose 

• Responsible for actual accurate settlements of all securities (Equities, Fixed Income & Money Market trades) while ensuring that all trade settlements are settled in convention with the market rules and directives and procedures
• Responsible for identifying and processing corporate actions and proxies on behalf of custody clients.
• Responsible for the overall functions of Reconciliation, Portfolio Valuations, Reporting and Billing in convention with the market rules, client directives and procedures
• Responsible for securities and CSD account opening and maintenance

Key Responsibilities

Efficient and Effective Delivery in business unit

• Understanding the overall Bank Strategy and how Investor Services Operations fits into the Bank’s strategy.
• Ensure that we meet clients’ requirements, as stipulated in their ‘Service Level agreements’, by maintaining flexibility where necessary, but also taking risks into consideration, at all times.
• Set clearly defined standards based on KRA’s, in conjunction with line Team Leader and continuously monitor, control, and update procedure manuals, Job Descriptions, process flows and Risk Framework.
• Keep abreast of best practices (locally and internationally) and make appropriate recommendations within the production area
• Collaborates with other areas to ensure that best practices and a standard approach is followed.
• Getting the basics right always.
• Providing timely response to all the queries received in order to help meet client expectations.

 Optimise the risk profile in the business units

• Limit potential losses to the bank by ensuring that laid-down processes and procedures are adhered to;
• Reconciling all suspense and operational accounts under the assigned units at required frequencies and that reconciling items are dealt timely and correctly;
• Recovery of revenues in a timely manner for the services rendered.
• Provide relevant, accurate and timely reporting to the management, governance committees and the regulator as and when required.
• Participate in the   periodic review of the Service Level Agreement between business units, Stanbic Bank Custody, Client and related Service providers to ensure that it portrays desired service realities.
• Highlight and discuss errors with Team Leader / Manager and identify problems i.e. lack controls and/or controls not performed.
• Ensure compliance with implemented controls and procedures.
• Eradicate operational losses/claims by complying with procedures to avoid / reduce penalties/ losses or claims to the bank
• Process the transactions as per the approved procedures to avoid   audit findings or operational risks relating the assigned area.

Change Management and Continuous Improvement

• Support business process re-engineering to ensure that processes are lean, efficient and effective through the elimination of non-value adding activities and identification of opportunities that support/drive the migration of transactions to economically viable alternative electronic delivery channels.
• Aid in identifying high impact projects/programs/initiatives within the line of business with a view to continuous improvement. 

 Compliance Management

• Ensure that service standards provided for in the Banking Sector Charter are adhered to.
• Adoption within assigned portfolio of all Compliance, Anti-Money Laundering and Sanctions related requirements contained in policies, procedures and processes. This includes identifying any material compliance related breaches and escalating them to line management and the Compliance Office.

Personal Development

•  Meet Overall performance in line with individual and departmental KRA’s
• Identify and drive self-development needs, plans and arrange to attend training. Apply and share knowledge
• Attend and participate in appraisal discussions. Initiate performance discussions on a regular basis and provide continuous feedback to the Team Leader.
• Take on additional Responsibility by making use of every opportunity to gain exposure/visibility.
• Cross-skill within Custody operations to enhance ability to handle multiple tasks / back up roles
• Strive to reach full potential, this will ensure job satisfaction. 
• Take on additional Responsibility by making use of every opportunity to gain exposure/visibility.

Stakeholder Engagement 

• Builds and maintain credible and value adding relationships with both internal and external stakeholders.

Qualifications

Minimum Qualifications

• Type of Qualification: First Degree
• Field of Study: Business Related 

Other qualifications, certifications or professional memberships

• Understanding of Custodial and investor services.
• Knowledge of the Securities Market and related entities viz., NSE, Central Depository, Transfer Secretaries, etc
• Banking operations experience.

Experience Required
Settlements
Operations

• 1-2 years Basic knowledge gained in a bank or securities environment. General payments / settlements experience advantageous. Basic knowledge of operating systems (basic SWIFT) and basic Financial Markets knowledge.

Additional Information

Behavioral Competencies:

• Articulating Information
• Checking Details
• Documenting Facts
• Embracing Change
• Examining Information
• Generating Ideas
• Interacting with People
• Managing Tasks
• Meeting Timescales
• Producing Output
• Team Working
• Upholding Standards

Technical Competencies:

• Client Servicing
• Continuous Improvement
• Manual Deal or Trade Processing
• Product and Services Knowledge
• Query Resolution
• Settlement Process
• Settlement Systems

Job Purpose 

To support Bank management in the identification and management of compliance risk as required by relevant regulatory, supervisory and statutory regulations/guidelines, applicable codes of conduct and minimum standards.

Update of Compliance Policies and Documentation

• Updating the regulatory universe and ensuring the compliance risk management plans (CRMPS) for new laws, regulations and amendments of existing laws and regulations (including other regulatory guidance notes and circulars) are comprehensively completed within 90 days of becoming effective.
• To prepare the regulatory universe annually in the last quarter of the year and ensure sign off by business owners.
• Ensure in conjunction with executive management, CRMPS are adopted and customized for all relevant risk legislation and regulations on an annual basis.
• Ensure compliance policies and manual are reviewed and go through the requisite governance framework in a timely manner.
• Draft relevant procedures for the various Compliance Policies.
• Responsible for the implementation and adoption of all compliance, anti-money laundering, Anti Bribery and Corruption and sanctions related requirements contained in policies, procedures and processes. This includes the consideration and approval of PEP on-boarding and continued business engagement in instances where no adverse information is available.
• Raise awareness and provide training to bank staff on compliance policies and maintain registers of training attended.
• Ensure that the policies, procedures, and manuals posted on the Compliance website are upto date.                                                                                        

Regulatory Requirements

• Scanning the environment for new regulatory requirements.
• Understanding and interpreting new regulatory requirements.
• Preparation of implementation action points for new regulatory requirements and advice the bank or specific business areas on the impact of regulatory developments.
• Ensure relevant regulatory returns and reports are submitted in a timely manner.
• Query and report any issues on non-compliance with policy and regulatory requirements as soon as this is noted.
• On a regular basis conduct limited monitoring of business compliance with the relevant laws and regulations especially those deems high risk for the Bank.
• Advice on compliance related legislation, regulations, circulars etc. affecting the bank.

Advisory

• Respond to queries from business and the Centre in South Africa.
• Attending Business forums as required and called upon.
• Comprehensive review of high-risk clients and guiding the first line on enhanced due diligence requirements
• Training and building capacity within the 1st line on matters compliance.
• Ensure that on-boarding Checklist is always updated.
• Represent Compliance at relevant forums for new products, service and channels development and provide comprehensive compliance input.
• Conduct comprehensive compliance risk assessments for new products, channels, services, partnerships etc.
• Represent Compliance at Projects meetings Conduct in liaison with the product manager’s product risk assessment for any new products/technology.
• Attend functional meetings both local and regional monthly meetings.

Feedback, Reporting and Escalation

• Prepare and provide input for compliance reports to relevant governance forums, ensure such are submitted timely.
• Perform ongoing monitoring and assessment of compliance risks within 1st line and ensure risks identified are adequately identified, reported and escalated and provide the 2nd oversight to see through the closure and remediation of identified risks/ gaps.
• Safeguard the reputational risk of the bank by ensuring that the business units adhere to policies, procedures, and guidelines.

Qualifications

Minimum Qualifications

• Relevant Undergraduate degree
• Minimum 5 years of experience in the AML/ CFT and Compliance in the banking industry.
• Comprehensive understanding of the regulatory and business environment of the banking industry.
• Understanding of business unit needs and ability to translate them into risk management solutions.
• On-going awareness of regulatory requirements related to banking

Additional Information

Behavioral Competencies:

• Adopting Practical Approaches
• Articulating Information
• Checking Details
• Exploring Possibilities
• Generating Ideas
• Interacting with People
• Interpreting Data
• Making Decisions
• Providing Insights
• Team Working
• Thinking Positively
• Upholding Standards

Technical Competencies:

• Compliance
• Financial Industry Regulatory Framework
• Legal Compliance
• Promote Good Governance, Risk & Control
• Risk Management
• Strategic Planning and Reporting

Job Purpose 

To support Bank management in the identification and management of compliance risk as required by relevant regulatory, supervisory and statutory regulations/guidelines, applicable codes of conduct and minimum standards.

Update of Compliance Policies and Documentation

• Updating the regulatory universe and ensuring the compliance risk management plans (CRMPS) for new laws, regulations and amendments of existing laws and regulations (including other regulatory guidance notes and circulars) are comprehensively completed within 90 days of becoming effective.
• To prepare the regulatory universe annually in the last quarter of the year and ensure sign off by business owners.
• Ensure in conjunction with executive management, CRMPS are adopted and customized for all relevant risk legislation and regulations on an annual basis.
• Ensure compliance policies and manual are reviewed and go through the requisite governance framework in a timely manner.
• Draft relevant procedures for the various Compliance Policies.
• Responsible for the implementation and adoption of all compliance, anti-money laundering, Anti Bribery and Corruption and sanctions related requirements contained in policies, procedures and processes. This includes the consideration and approval of PEP on-boarding and continued business engagement in instances where no adverse information is available.
• Raise awareness and provide training to bank staff on compliance policies and maintain registers of training attended.
• Ensure that the policies, procedures, and manuals posted on the Compliance website are upto date.                                                                                        

Regulatory Requirements

• Scanning the environment for new regulatory requirements.
• Understanding and interpreting new regulatory requirements.
• Preparation of implementation action points for new regulatory requirements and advice the bank or specific business areas on the impact of regulatory developments.
• Ensure relevant regulatory returns and reports are submitted in a timely manner.
• Query and report any issues on non-compliance with policy and regulatory requirements as soon as this is noted.
• On a regular basis conduct limited monitoring of business compliance with the relevant laws and regulations especially those deems high risk for the Bank.
• Advice on compliance related legislation, regulations, circulars etc. affecting the bank.

Advisory

• Respond to queries from business and the Centre in South Africa.
• Attending Business forums as required and called upon.
• Comprehensive review of high-risk clients and guiding the first line on enhanced due diligence requirements
• Training and building capacity within the 1st line on matters compliance.
• Ensure that on-boarding Checklist is always updated.
• Represent Compliance at relevant forums for new products, service and channels development and provide comprehensive compliance input.
• Conduct comprehensive compliance risk assessments for new products, channels, services, partnerships etc.
• Represent Compliance at Projects meetings Conduct in liaison with the product manager’s product risk assessment for any new products/technology.
• Attend functional meetings both local and regional monthly meetings.

Feedback, Reporting and Escalation

• Prepare and provide input for compliance reports to relevant governance forums, ensure such are submitted timely.
• Perform ongoing monitoring and assessment of compliance risks within 1st line and ensure risks identified are adequately identified, reported and escalated and provide the 2nd oversight to see through the closure and remediation of identified risks/ gaps.
• Safeguard the reputational risk of the bank by ensuring that the business units adhere to policies, procedures, and guidelines.

Qualifications

Minimum Qualifications

• Relevant Undergraduate degree
• Minimum 5 years of experience in the AML/ CFT and Compliance in the banking industry.
• Comprehensive understanding of the regulatory and business environment of the banking industry.
• Understanding of business unit needs and ability to translate them into risk management solutions.
• On-going awareness of regulatory requirements related to banking

Additional Information

Behavioral Competencies:

• Adopting Practical Approaches
• Articulating Information
• Checking Details
• Exploring Possibilities
• Generating Ideas
• Interacting with People
• Interpreting Data
• Making Decisions
• Providing Insights
• Team Working
• Thinking Positively
• Upholding Standards

Technical Competencies:

• Compliance
• Financial Industry Regulatory Framework
• Legal Compliance
• Promote Good Governance, Risk & Control
• Risk Management
• Strategic Planning and Reporting

Job Purpose 

• Responsible for actual accurate settlements of all securities (Equities, Fixed Income & Money Market trades) while ensuring that all trade settlements are settled in convention with the market rules and directives and procedures
• Responsible for identifying and processing corporate actions and proxies on behalf of custody clients.
• Responsible for the overall functions of Reconciliation, Portfolio Valuations, Reporting and Billing in convention with the market rules, client directives and procedures
• Responsible for securities and CSD account opening and maintenance

Key Responsibilities

Efficient and Effective Delivery in business unit

• Understanding the overall Bank Strategy and how Investor Services Operations fits into the Bank’s strategy.
• Ensure that we meet clients’ requirements, as stipulated in their ‘Service Level agreements’, by maintaining flexibility where necessary, but also taking risks into consideration, at all times.
• Set clearly defined standards based on KRA’s, in conjunction with line Team Leader and continuously monitor, control, and update procedure manuals, Job Descriptions, process flows and Risk Framework.
• Keep abreast of best practices (locally and internationally) and make appropriate recommendations within the production area
• Collaborates with other areas to ensure that best practices and a standard approach is followed.
• Getting the basics right always.
• Providing timely response to all the queries received in order to help meet client expectations.

 Optimise the risk profile in the business units

• Limit potential losses to the bank by ensuring that laid-down processes and procedures are adhered to;
• Reconciling all suspense and operational accounts under the assigned units at required frequencies and that reconciling items are dealt timely and correctly;
• Recovery of revenues in a timely manner for the services rendered.
• Provide relevant, accurate and timely reporting to the management, governance committees and the regulator as and when required.
• Participate in the   periodic review of the Service Level Agreement between business units, Stanbic Bank Custody, Client and related Service providers to ensure that it portrays desired service realities.
• Highlight and discuss errors with Team Leader / Manager and identify problems i.e. lack controls and/or controls not performed.
• Ensure compliance with implemented controls and procedures.
• Eradicate operational losses/claims by complying with procedures to avoid / reduce penalties/ losses or claims to the bank
• Process the transactions as per the approved procedures to avoid   audit findings or operational risks relating the assigned area.

Change Management and Continuous Improvement

• Support business process re-engineering to ensure that processes are lean, efficient and effective through the elimination of non-value adding activities and identification of opportunities that support/drive the migration of transactions to economically viable alternative electronic delivery channels.
• Aid in identifying high impact projects/programs/initiatives within the line of business with a view to continuous improvement. 

 Compliance Management

• Ensure that service standards provided for in the Banking Sector Charter are adhered to.
• Adoption within assigned portfolio of all Compliance, Anti-Money Laundering and Sanctions related requirements contained in policies, procedures and processes. This includes identifying any material compliance related breaches and escalating them to line management and the Compliance Office.

Personal Development

•  Meet Overall performance in line with individual and departmental KRA’s
• Identify and drive self-development needs, plans and arrange to attend training. Apply and share knowledge
• Attend and participate in appraisal discussions. Initiate performance discussions on a regular basis and provide continuous feedback to the Team Leader.
• Take on additional Responsibility by making use of every opportunity to gain exposure/visibility.
• Cross-skill within Custody operations to enhance ability to handle multiple tasks / back up roles
• Strive to reach full potential, this will ensure job satisfaction. 
• Take on additional Responsibility by making use of every opportunity to gain exposure/visibility.

Stakeholder Engagement 

• Builds and maintain credible and value adding relationships with both internal and external stakeholders.

Qualifications

Minimum Qualifications

• Type of Qualification: First Degree
• Field of Study: Business Related 

Other qualifications, certifications or professional memberships

• Understanding of Custodial and investor services.
• Knowledge of the Securities Market and related entities viz., NSE, Central Depository, Transfer Secretaries, etc
• Banking operations experience.

Experience Required

• Settlements
• Operations
• 1-2 years
• Basic knowledge gained in a bank or securities environment. General payments / settlements experience advantageous. Basic knowledge of operating systems (basic SWIFT) and basic Financial Markets knowledge.

Additional Information

Behavioral Competencies:

• Articulating Information
• Checking Details
• Documenting Facts
• Embracing Change
• Examining Information
• Generating Ideas
• Interacting with People
• Managing Tasks
• Meeting Timescales
• Producing Output
• Team Working
• Upholding Standards

Technical Competencies:

• Client Servicing
• Continuous Improvement
• Manual Deal or Trade Processing
• Product and Services Knowledge
• Query Resolution
• Settlement Process
• Settlement Systems

Job Purpose.

To ensure the consistent integration, adoption and application of the PBB AR Customer Acquisition and Retention strategy and related toolbox(es) for Direct Banking offerings that will aggressively grow the client base in country (i.e. acquisition through ecosystems). To drive the implementation of the Direct Banking Client Solutions in country to improve overall client and revenue growth.

Job Specifics.

• Adhere to client experience framework and measurement.
• Check alignment to the PBB Human Capital standards with regards to all employee-related matters for own team.
• Check that escalation procedures exist for the reporting and resolution of specific breaches of policy, regulatory breaches, etc.
• Determine and guide performance and associated award in consultation with PBB Human Capital, and in alignment with SBG guidelines for own team.
• Develop country client risk appetite based on the defined framework which is signed off by PBB AR in conjunction with PBB Risk.
• Identify current and potential employee skill requirements in consultation with the PBB Human Capital function.
• Implement a first line risk management capability for client facing channels to ensure compliance.
• Implement and adhere to the SBG Cybersecurity policies to mitigate risk.
• Implement and monitor risk management for Direct Banking (e.g., operational and credit risk).
• Implement client standards and policies aligned to PBB AR minimum standards and enhance for local requirements in agreement with relevant toolbox owner(s).
• Implement internal audit and operational risk remediation actions and close out all matters relating to Direct Banking.
• Implement the agreed risk framework and appetite in alignment with toolbox owner and country Risk Corporate Function requirements.
• Implement, track and report on agreed financial and non-financial metrics (e.g. number of client defaults, net promoter score, client growth, etc.).
• Keep abreast of industry trends and macro challenges and adjust the Direct Banking strategy accordingly.
• Lead, inspire and coach a team of professionals, develop talent, create succession to key roles.
• Mobilise employees in order to fulfil the bank's objectives regarding client service; sales; people management and engagement; transformation; risk and compliance.
• Monitor and report Direct Banking adherence to regulatory requirements.
• Provide input into and adhere to the risk control procedures and governance as defined for Direct Banking in consultation with PBB AR and country Risk Corporate Function.
• Provide input into client journeys development as delegated by PBB AR.
• Provide input into the PBB AR Customer Acquisition and Retention strategy.
• Provide input on toolbox development for consumption by other countries where common benefit could be derived, as approved by PBB AR.
• Report on Direct Banking's performance in country and undertakes remedial actions to ensure financial outcomes realisation.
• Responsible for the achievement of the agreed financial outcomes for Direct Banking in country.
• Work with country Product to identify, design and deliver fit-for- purpose client centric product solutions.

Qualifications

Minimum Qualifications

• Type of Qualification: First Degree
• Field of Study: Business Commerce

Experience Required
Relationship Banking (Client Coverage)

• Business & Commercial Banking
• 8-10 years Extensive experience in Retail Banking and Business Banking, including the design and development of customer solutions; identifying key drivers of income and cost lines. Experience in successfully growing the customer base, managing and growing a balance sheet and income statement. Proficient in the design and understanding of data management, analytics and business intelligence. Experience with products and processes across multiple segments and platforms.

Additional Information

Behavioral Competencies:

• Developing Strategies
• Embracing Change
• Empowering Individuals
• Establishing Rapport
• Generating Ideas
• Interpreting Data
• Inviting Feedback
• Producing Output
• Providing Insights
• Pursuing Goals
• Resolving Conflict
• Team Working

Technical Competencies:

• Continuous Process Improvement
• Customer Understanding ( Consumer Banking)
• Financial Acumen
• Operational Planning
• Product Knowledge (Business Banking)
• Risk Management
• Strategy Definition

Job Purpose 

Support the CMU Manager in ensuring that the Bank’s need to provide adequate controls over the risks encountered in the pre- and post-credit granting stage of the credit process are satisfied by verifying key documents and maintaining tight control over Building Loans & warehousing inspection and monitoring in line with approved parameters.

Key Deliverables 

• Validate the accuracy and completeness of bills of quantities, drawings, construction contracts and related documentation provided for building loans.
• Monitor construction projects from start to finish, monitoring progress according to predetermined schedules.
• Liaise with all parties involved in construction projects including Architects, Quantity Surveyors, Engineers, Project Managers & Contractors.
• Periodic inspections of construction sites and preparation of site visit & loan monitoring call report.
• Undertake a comprehensive and robust monitoring, stock count and other activities of customers related to CMU in line with approved sanction and various distributorship schemes.
• Undertake a comprehensive and robust monitoring, stock count and other activities of customers related to CMU in line with approved sanction and various distributorship schemes.
• Undertake periodic and ad-hoc visits / spot checks to review clients’ operations and provide a comprehensive status report as stated in approved sanctions, which must include identification of potential structural weakness in clients’ operations.
• Liaise with external agents, e.g., warehousing/collateral agents etc. on behalf of the Bank and act as a checker on their activities in line with executed service agreements. Reports will be duly provided for such activities.
• Provide guidance and input in applications requiring monitoring from CMU prior to submission to Credit while simultaneously proceeding with validation of information and documentation provided by the customer.
• Ensure CMU SharePoint is updated with relevant reports and documentation as required.
• Track collections from key distributors under the various approved schemes to forestall any possible diversion of sales proceeds.
• Review account performance vis-a-vis terms and conditions of approval and ensure strict adherence.
• Verify documents and information in day-to-day work as delegated by Account Management or Credit Evaluation in line with approved turnaround time.
• Diarise and follow up on conditions of sanction/covenants as relates to the CMU function.
• Refer/escalate / flag up problematic or irregular accounts (inappropriate payment patterns, failure to meet specific covenants etc.) to Credit Evaluation and Account Management for inclusion in monthly watch list.
• Maintain a proper monitoring system and ensure that the data set is complete and accurate.
• Design reports that address the tracking and measurement of agreed account performance criteria.
• Co-ordinate monthly transaction status report to Management.
• Establish and maintain close working relationships with internal and external service providers.
• Ensure adherence and compliance to all policies, processes, and procedures.
• Any other roles or tasks to be assigned by Manager, Collateral Management Unit.

Qualifications

Knowledge

• First degree in Building Economics, Quantity Surveying or equivalent, including valid regulator accreditation.
• Sound knowledge and understanding of credit criteria, credit policies, risk and financial analysis, credit control and the application thereof
• Thorough understanding of all the bank’s product and facilities that give rise to counterparty credit risk.
• Understanding terms of the facilities and any conditions and covenants that will need to be complied with over the duration of the facility’s life.
• Understanding of the bank’s systems, policies, and procedures to optimally draw on the available information to manage and control the post-credit granting processes.

Experience

• Minimum of 3 years’ experience in a banking &/or construction environment preferably with a risk management background.

Additional Information

Behavioral Competencies:

• Checking Details
• Directing People
• Empowering Individuals
• Following Procedures
• Interpreting Data
• Making Decisions
• Meeting Timescales
• Producing Output
• Pursuing Goals
• Resolving Conflict
• Understanding People
• Upholding Standards

Technical Competencies:

• Asset Based Lending
• Contract Management
• Loan Assessment & Approval
• Loan Processing
• Mortgage Lending
• Risk Acceptance
• Risk Identification
• Risk Measurement

Job Purpose.

To ensure the implementation of the Private Banking value proposition and its financial and non-financial objectives in alignment with the overall Affluent Clients requirements through a team of Private Bankers.

Job Specifics.

• Accountable for overall risk management and adherence to all governance standards for the continued sustainability of Private Banking.
• Analyses internal inefficiencies and its impact on clients and staff members who are servicing the client and puts appropriate action plans in place.
• Continually provides feedback to ensure that the products and services of the bank meet the needs of the client.
• Drives a culture of Financial Planning in the Private Banking business.
• Drives operational efficiencies and cost optimisation across the portfolio.
• Drives respective income statement elements to achieve desired ROE and CTI for Private Banking.
• Drives satisfactory audits and ensures that there are no repeat unsatisfactory findings as gauged by operational losses.
• Enables integrated ways of working and collaboration across the value chain to deliver for the client.
• Ensures alignment to the People and Culture standards with regards to all employee-related matters.
• Ensures profitability of the Private Banking portfolio through the identification of opportunities, actively managing customer migration between segments and sub-segments, etc.
• Ensures successful retention of existing customers to strengthen and expand relationships by intimately understanding the customer, servicing the customer’s personal financial needs and focusing on the execution of the customer plan through product and service providers.
• Ensures that client requirements (e.g., product, services or value adds) are met in consultation with internal stakeholders (e.g., Product, Distribution, Digital, etc.) and/or through external partnerships and opportunities.
• Ensures that risks are mitigated, and that appropriate, proactive recovery and resolution plans are in place to protect Private Banking from any untoward event.
• Ensures the delivery of seamless multi-product client experiences to address life events, distributed through client engagement platforms.
• Identifies adverse trends and opportunities within the market and puts appropriate action plans in place.
• Identifies current and potential employee skill requirements in consultation with the People and Culture function.
• Inspires the team to deliver on the Group's shared purpose and instilling a culture which enables the Group to evolve into a client led platform organization.
• Introduces specialist skills on specific products and product mix at the appropriate time and level in order to create solutions to meet client needs.
• Leads the consistent implementation and adoption of the Private Banking value propositions and provides feedback to various domains and capabilities.
• Maintains alignment with other segments in order to ensure client value proposition enablement and reduce duplication.
• Monitors and ensures the achievement of agreed financial and non-financial outcomes and where relevant ensures that remedial actions are implemented.
• Operates within the defined client risk appetite / framework (e.g., operational risk, credit risk, ecosystems risk and partner risk management) and provides input where relevant.
• Provides input into digital strategies relevant to the segment in partnership with Digital and eCommerce.
• Provides input into Product and ecosystems for the delivery of integrated multi-products and services for the client.
• Provides input into talent strategy developed by People and Culture.
• Responsible for overall Client growth and acquisition strategies to grow Market Share.
• Responsible for the overall income statement and balance sheet growth for Private Banking.
• Retains a key focus on client relationships, client experiences, operational efficiency and profitability. Where required manages own portfolio of strategic customers.
• Sets the example and lead the team in line with the Groups leadership identity, core values and People Promise
• Stays abreast of market and competitive developments in order to provide input into innovative and value-added services to gain market share.

Qualifications

Minimum Qualifications

• Type of Qualification: First Degree
• Field of Study: Business Commerce

Experience Required
Affluent Clients

• Personal and Private Banking
• 3-4 years Experience in developing, designing and enabling segment value propositions. Strong understanding of digital, open banking and platform integrations.
• 5-7 years Experience in all facets of consumer banking, including heading up a segment. Knowledge and experience of Affluent consumers, their needs and their markets gained from an extended period of industry experience and a proven track record in organisations of comparable size and complexity. Experience in managing an income statement and balance sheet.

Additional Information

Behavioral Competencies:

• Developing Strategies
• Embracing Change
• Empowering Individuals
• Establishing Rapport
• Generating Ideas
• Making Decisions
• Producing Output
• Pursuing Goals
• Showing Composure
• Taking Action
• Understanding People
• Valuing Individuals

Technical Competencies:

• Business Development
• Customer Understanding ( Consumer Banking)
• Economic Capital Management
• Risk Reporting
• Risk Response Strategy
• Risk/ Reward Thinking
• Write Effective Communications

Job Purpose.

To facilitate and develop a close relationship between Stanbic Bank Kenya (SBK), the estate agent and/or developers to ensure that all potential buyers are referred to SBK.  To proactively sell SBK home loan products to new property buyers through dedicated estate agents/developers to maximise our market share and grow the Banks home loan book.  To provide training and support to the estate agents/developers with a view to achieve our desired market share.

Job Specifics.

• Achieve allocated home-loans targets.
• Act as primary point of contact for potential home buyers and provides the best advice to conclude the sale.
• Establish, maintain and leverage estate agent and developers for end user finance
• Attend development launches/show houses to represent Stanbic Bank Kenya.
• Distribute promotional material between all estate agents and developers according to market share contribution.
• Ensure accurate capture, updates or amendments of client information and history notes.
• Provide primary point of contact to customers by identifying their finance needs and fulfilling on them
• Develop business opportunities by following up/pursuing leads
• Ensure that applications are accurately completed in CAMS and Flowcredit with minimal reworks and aligned to SLA
• Ensure that service requests in personal work list are actioned within agreed timelines.
• Ensure upfront approval of new developments for e.g. exposure for sectional title development, attorney approval, etc.
• Facilitate an effective and efficient end to end home loan application process (from application submission to registration).
• Facilitate and develop sound relationships with the estate agent and developer through an effective calling programme.
• Facilitate and develop sound relationships with the internal channels such as Branches, group schemes, credit, valuers and collateral
• Ensure all loans booked are properly managed to avoid arrears of lock up
• Identify and action opportunities for cross  and up sell.
• Identify opportunities to promote other Stanbic Bank Kenya (SBK) products (cross-sell).
• Keep clients, agents/developers informed of loan progress.
• Negotiate with pricing for competitive interest rates for the client.

Qualifications

Minimum Qualifications

• Type of Qualification: Fist degree in Sales & Marketting or any related field.
• Field of Study: Not applicable

Experience Required
Main Market Clients

• Personal and Private Banking
• 3-4 years Experience in the field of home loans and related products.

Additional Information

Behavioral Competencies:

• Adopting Practical Approaches
• Checking Details
• Conveying Self-Confidence
• Embracing Change
• Exploring Possibilities
• Following Procedures
• Interacting with People
• Managing Tasks
• Producing Output
• Resolving Conflict
• Team Working
• Upholding Standards

Technical Competencies:

• Banking Process & Procedures
• Customer Understanding (Business Banking)
• Financial Acumen
• Financial Analysis
• Product and Services Knowledge
• Risk Awareness
• Risk Identification