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Relationship Officer

  • Job Type Full Time
  • Qualification BA/BSc/HND
  • Experience 3 – 10 years
  • Location Lagos
  • Job Field Sales / Marketing / Retail / Business Development&nbsp

Job Description

  • A Relationship Officer is responsible for prospecting, marketing, business development, and income generation in line with the key performance indicators.
  • The Relationship Officer is the interface between the Bank and the customer and nurtures mutually beneficial relationships between both parties.

Duties and Responsibilities

  • Achieve growth within the key performance indicators: liability and risk asset generation, account opening, income generation, and e-banking product offerings.
  • Evaluate the creditworthiness of customers by processing loan applications and documentation.
  • Monitors active loans and enforces collection and recoveries.
  • Ensures the achievement of all budget parameters.
  • Develop referral networks and cross-sell products and services.
  • Ensures a high level of customer satisfaction through excellent customer engagement and service delivery.
  • Actively seek out new sales opportunities through cold calling, networking, and referrals.
  • Expedites the resolution of complaints to maximize satisfaction and boost the customer service experience.
  • Achieve a healthy portfolio and deposit mix.
  • Executes marketing strategies and develops marketing campaigns.
  • Ensures compliance with all internal policies and regulatory guidelines.
  • Monitors competition by gathering current marketplace information on pricing, products, etc.
  • Recommends changes in products, services, and policies by evaluating results and competitive developments.
  • Identify potential loan markets and develop referral networks.
  • Perform any other duties as may be assigned by Management.

Qualifications and Experience

  • Candidates should possess a B.Sc / HND in Social Science or any other related course.
  • Evidence of completion / exemption from NYSC.
  • 3 – 10 years of work experience
  • Previous experience in a marketing role in a Microfinance Bank or Financial Organization is an advantage.

Skills:

  • Demonstrated ability to communicate, present, and influence credibly and effectively at all societal levels.
  • Proven ability to drive the sales process.
  • Strong business sense and industry expertise.
  • Basic understanding of sales principles and customer service practices.
  • Friendly, helpful, confident, and engaging personality.
  • Excellent communication and interpersonal skills.
  • Ability to work in a goal-oriented environment.
  • Ability to work in a team
  • Strong planning, organizational, and time management abilities
  • Proficient in the use of the MS Office Suite.

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Method of Application

Job Description

  • The Head, Marketing is responsible for the development, planning and execution of the marketing strategy of the bank. 
  • The Head, Marketing oversees and manages a high-performance team of professionals responsible for product development, marketing and business development.

Responsibilities

  • Develops and executes the marketing and business strategy of the bank
  • Prepares, implements and achieve annual budget parameters
  • Ensures a healthy portfolio and deposit mix
  • Develops key initiatives reflective of the overall corporate strategic plan
  • Keep abreast of industry and market trends
  • Manages the marketing team to deliver strategic objectives across all branches
  • Manage cross-functional teams to complete strategic plan initiatives
  • Measure budget achievement and implement remedial action where necessary
  • Oversee the management of corporate events including customer loyalty programs, customer forums, and corporate social responsibility
  • Identify market trends and conduct market research to identify sales, consumer behavior and evaluate customer needs
  • Develop and direct marketing campaigns and measure campaign achievement against set goals
  • Develop an annual marketing plan and oversee its implementation
  • Develop market segmentation, competitive analysis/market intelligence, and prospecting
  • Build a strong professional workforce by developing competent individuals in the marketing department
  • Oversee the development of new products on a regular basis.
  • Actively seek out new sales opportunities through networking and referrals
  • Drive business growth across all indices
  • Perform any other duties as may be assigned by Management
  • Flexibility to carry out any other task as requested by the Managing Director.

Qualifications

  • HND/BSc/ in science, social science or any other related course
  • Evidence of completion/ exemption of/from NYSC
  • Evidence of completion of Microfinance Certification program
  • Minimum of 5 years of proven experience asa business development manager/chief marketing officer in a similar role in a bank
  • Proven performance record in a reputable Microfinance Bank
  • Proven experience in marketing and negotiating techniques
  • Thorough knowledge of marketing principles, brand, product and service management
  • Demonstrable experience in developing efficient strategies and business plans
  • Evidence of completion of the Microfinance Certification program.

Skills:

  • Strong marketing and public relations skills
  • Good team player with excellent leadership traits and capabilities
  • Innovative and creative abilities
  • Strategies development and business plan creation
  • Training and coaching skills
  • Strategic and analytical thinking
  • Solid understanding of market research and data analysis
  • Outstanding interpersonal, communication, and presentation skills (written and verbal)
  • Have a strong track record of selling financial products and possess experience supervising different branches to achieve their sales targets.
  • Possess the ability to design products and initiate marketing campaigns.
  • Excellent business acumen and industry expertise
  • Robust network and contact within the industry
  • Proficient in the use of MS Office Suite
  • Extensive knowledge of banking regulations
  • A good working knowledge and understanding of behavioural credit scoring principles and practices, including an understanding of all SME product

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