Description:The genesis of Gulf African Bank (GAB) can be traced back to 2005, when a group of motivated Kenyans envisioned establishing an Islamic bank as an alternative to conventional banking in the country. By conducting business on the principles of Shari'ah, the bank would provide an ethical and fair mode…The genesis of Gulf African Bank (GAB) can be traced back to 2005, when a group of motivated Kenyans envisioned establishing an Islamic bank as an alternative to conventional banking in the country. By conducting business on the principles of Shari'ah, the bank would provide an ethical and fair mode of banking for all. Gulf African Bank is the first and largest Islamic Bank in Kenya and one of the fastest growing banks in the history of the banking sector of the country. The bank offers fully Shari'ah compliant products and services that address the needs of not just Muslims, but everyone in the country including individuals, corporate companies, and institutions. The bank was incorporated on August 9th, 2006 and started operations as a commercial bank in January 8th 2008, in a historic event, where it was granted the country’s first fully-fledged commercial banking license as a dedicated Islamic bank, by the Central Bank of Kenya.View moreView less
Ensure growth of Branch SME portfolio (NFI, deposits and assets) through acquisition of new-to-bank customers via Business Sales Officers and lead generation.
Actively generate referrals to all business partners to help meet the comprehensive financial needs of entrepreneurs or borrowing entities.
Ensure acquisition of customers to digital channels.
Effectively manage and expand relationships with existing SME banking clients and bring in new partnerships from the existing portfolio to ensure business growth and continuity.
Portfolio Profitability (Cross-Sell & Retention)
Grow SME customer portfolio size (products per customer, non-funded income, deposits and assets) by deepening existing customer relationships.
Ensure a clear retention plan for overall portfolio deposits and loans for the segment, and execute this plan in conjunction with Branch Managers.
Monitor account planning for all clients to advise on potential financial solutions based on identified needs.
Ensure customers are notified of maturing fixed deposits for appropriate action and encourage retention.
Assist in resolving client queries in a timely and appropriate manner.
Collaborate with product specialists to deliver effective customer solutions.
Ensure fulfillment of minimum customer relationship touch points (e.g., 1 visit per quarter, 1 call and 1 email per month depending on customer segment).
Support growth of the portfolio through desired channels such as SME Business Hubs / digital platforms (e.g., B2B).
Prepare and submit all reports, including management reports summarizing individual and team loan activity.
Ensure all customers are onboarded on a digital platform (e.g., Gab Pesa, Internet banking).
Ensure product per customer reaches 5 across the portfolio.
Understand the nature of businesses, their life cycles, and the various product offerings available.
Evaluate credit proposals and ensure credit applications are processed on a timely basis within the Bank’s set turnaround times.
Customer Service and Customer Information
Obtain account opening documentation from new customers.
Open accounts for customers in the system, ensuring minimum required information is captured and a CIF number is assigned.
Follow up with customers in the portfolio for missing information.
Maintain and update customer data on parameters such as business turnover, directors’ details, etc.
Ensure all customer engagements are recorded accordingly.
Compliance
Ensure compliance with both internal and external regulatory requirements (KYC, AML, and other bank processes).
Continuously follow business operational and credit policies, ensuring their compliance.
Qualifications and Experience
Bachelor’s degree in any field.
At least 2–3 years of experience in managing clients.
Excellent interpersonal skills.
Excellent communication and presentation skills.
Job Specific Competencies
Deciding and Initiating Action
Delivering Results and Meeting Customer Expectations
Entrepreneurial and Commercial Thinking
Persuading and Influencing
Planning and Organizing
Presenting and Communicating Information
Relating and Networking
Working with People
Key Relationships
Internal
Central office – Centers of excellence
Branches
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