Relationship Officer
- Job Type Full Time
- Qualification BA/BSc/HND
- Experience 3 – 10 years
- Location Lagos
- Job Field Sales / Marketing / Retail / Business Development 
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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