Regional Sales Manager - KwaZulu Natal

MAIN FUNCTIONS OF THE JOB

Branch Strategy

• Responsible to ensure the implementation of the Banks Retail Sales strategy for the respective branches within the region.
• Ensures that the agreed sales targets in respect of Investments, Wealth Management, Advances, Transactional Banking Individual and Fee Incomes for the respective branches are monitored on a regular basis and achieved. This entails scheduling of meetings with key personnel to ensure that sales targets are achieved.
• Prepares and presents to the General Manager Retail, Wealth & Marketing the Business Plans of the respective branches.
• Sets out strategic objectives for the respective branches and monitors progress on a monthly basis.
• Recommends new business strategies including marketing and sales plans
• Evaluates business and growth plans and its overall effectiveness and propose alternative strategies where required.
• Responsible to grow the Branches client base in keeping with the agreed strategies.

Budget Management

• Agrees on targets for the financial year with the General Manager Retail, Wealth & Marketing.
• Prepares the budgets for the respective branch in the region on a yearly basis for submission to the General Manager Retail, Wealth & Marketing for approval
• Addresses all queries with regards to budgets as raised by the General Manager Retail, Wealth & Marketing
• Manages the budgets of the respective branches within the region on a monthly basis.

Operations

• Operational management of the respective Branches within the region.
• Reviews the monthly management report of the branches in the region in order to prepare and submit report to EXCO
• Reviews all credit proposals prior to submission to Management Credit Committee or Executive Credit Committee
• Proactively manages the arrears of the Retail branches
• Signs all finance facility letter up to and within the mandate of Executive Credit Committee
• Reviews procedure documents as prepared by head office operations
• Addresses certain operational issues in the absence of the General Manager Retail, Wealth & Marketing

Client Relationship Management

• Visit clients appearing on the Top 100 list on a quarterly basis and other clients frequently in order to source business and maintain client relationships.
• Manages/Handles difficult client queries via face-to-face communication with walk in clients or by visiting clients and addresses client concerns by listening to any concerns/complaints in an efficient and appropriate manner in line with the professional image of the bank and providing an effective solution to the benefit of both the bank and the client
• Accompanies Consultants, Executives or other head office management on client visits whenever requested to do so or visits client independently to source business

Business Growth

Manages the growth of the revenue streams of the Retail division

• Drive growth in the Bank's retail footprint by planning and executing targeted events, activations and roadshows in collaboration with the Marketing Department, aimed at increasing brand visibility, customer engagement and new business opportunities.

Risk and Compliance Management

• Ensures that the Retail sales divisions within the region meet all compliance and internal policies and procedures requirements and in doing so manages the risk associated thereto
• Provides overall comments to all internal and external audit reports and develops an action plan to address audit exceptions / recommendations

Customer Service

• Ensures that all staff are providing excellent customer services internally and externally at all times

Staff Management

• Ensures that branches are adequately staffed with skilled personnel, which includes conducting of interviews when vacant positions arise in line with the Recruitment Policy.
• Conducts performance management sessions with staff in line with the Performance Management Policy of the Bank.
• Implements corrective measures regarding disciplinary matters when necessary
• Collaborates with the HR department to develop and update Job Descriptions for all staff in the respective Branch.
• Authorises any staff leave requests; overtime and claims as per the Employee Self Service ESS System
• Conduct staff meetings on a regular basis ensuring staff are kept informed of current affairs
• Ensure that staff are adequately trained to meet the performance expectations of the Bank.

General

• Attends general and strategic meetings concerning affairs that affect retail sales divisions

Requirements QUALIFICATIONS

• BCom finance or accounting degree or related qualification
• FAIS accredited

PREFERRED EXPERIENCE

• Minimum 5 years' experience in the position of a Sales Manager sales /finance/credit within a financial institution
• Experience in an Islamic Banking environment would be an advantage.

KNOWLEDGE

• Banking Systems
• Understanding of FAIS and FICA requirement
• Microsoft Office
• Banking Policies and Procedures
• Banks Products and services
• Sound Knowledge of the banking industry related to finance, wealth management, Transactional Banking and Investments
• Knowledge of Shariah principles
• Basic Knowledge of HR Policies and procedures
• Client's financial needs analysis understanding
• Understand all issues relating to credit and risk
• Knowledge of the National Credit Act NCA