Job Description

• Reports To: Branch Manager
• Department: Retail Business

PURPOSE OF THE JOB
The role holder will be responsible for driving sale of Vehicle Finance products and ensuring optimum portfolio quality. Scope of responsibility spans product sales, loan appraisal, collections, relationship and portfolio management.

PRIMARY RESPONSIBILITIES
Sales and Business Development

• Responsible for driving sales of Vehicle Finance products and meeting saes targets
• Responsible for growing the Vehicle Finance portfolio under his/her management
• Responsible for leveraging market insight and customer insight to input into product development to ensure our products are competitive and attractive to clients
• Develop and grow business and customer relationships by proactively identifying new opportunities for further expansion of the business
• Initiate effective demand generation and channel marketing in local area

Credit Analysis and Portfolio Management

• Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
• Evaluate customer records and recommend payment plans based on earnings, savings data, payment history and purchase activity
• Complete loan applications, including credit analyses and summaries of loan requests and submit to loan portfolio files to identify and select delinquent accounts for collection 

Customer Experience

• Deliver excellent customer service to customers at all times
• Ensure all customer complaints are resolved timeously and conclusively 
• Ensure all customer requests are processed in fast and accurate manner

Risk and Compliance

• Ensure all compliance and regulatory requirements are satisfied at all times 
• Take part in all annual mandatory refresher training organized by Compliance
• Report all suspicious or fraudulent activities to Compliance or via whistle-blowing channels
• Ensure all controls are followed to protect the bank from unnecessary risk and exposure 

COMMUNICATIONS AND WORKING RELATIONSHIPS 

• Vehicle Finance Manager
• All support functions 

INFORMATION SECURITY RESPONSIBILITIES

• Abide by the company’s information security policies and procedures
• Safeguard the company’s information assets in accordance with its ISMS policies and procedures 

Required Skills or Experience

• Minimum first degree from a recognized university. A post-graduate degree and/or a professional qualification will be an advantage
• Minimum of 3 years’ experience in sales or business development within the financial services sector. 
• Deep understanding of vehicle finance products and services 
• Good communication, presentation and inter-personal skills
• Ability to self-organize and think in both innovative and structured ways 
• Proficiency in computer applications (Microsoft Word, Excel, PowerPoint & Access)