Area Managers , National Bank of Commerce (NBC)

Reporting to:Head of Branch Banking & Branch Networking

Location:Dar es salaam (Two Posts) Arusha, Mbeya and Mwanza

Purpose

To grow business and revenue by identifying and meeting the customers' needs within the defined area. To manage and implement the Retail Bank Channel capabilities in the Region as well as Driving customer retention and acquisition by providing access to the full Retail Bank products In the region.

Responsibilities

Ensure Business growth in your area

Understand and implement local market strategies to maximise opportunities and business profitability.

Use market Intelligence to meet and exceed the market needs.

Understand and maintain all customer offerings being sold and serviced in the branches and area by ensuring all staff have relevant and specialist knowledge of all products and services.

Implement and maintain customer experience by effectively utilising and structuring resources within the branches and area to meet customer needs,

Develop clear, ambitious revenue targets and develop the means of achieving them by deploying local tactics to meet business expectations.

Have and communicate a 'clear vision and action plan for the branches and area which is understood and auctioned by all staff.

Align resources and processes with business development priorities to ensure consistent service delivery across the branches and area.

Re-balance resources between different areas e.g. reallocating headcount or budgets, but within overall approved resources for the year.

Ensure that cost is managed as per approved budget.

Ensure sustainability on the quality of asset portfolio through proper management of both performing and non performing assets.

Ensure monthly review and evaluation of the branch performance in the area in accordance with the strategy

Review the total performance for all branches in the region on a monthly basis and develop short term

Strategy shifts to ensure that overall performance targets can be met.

Recommend to the Retail Management Committee whether to open or close branches within his network. Monitor cash differences as reported by branch and area managers on a weekly basis.

Review their action plans and provide input on how to improve the situation where required.

Review incident reports raised and provide guidance for future prevention.

Grow Colleague and Performance

Live the NBC values through visible demonstration of required behaviour.

Ensure the development of a high-performing team through embedding formal performance Development and Informal coaching

Consistently provide authentic, honest, fair and constructive feedback to all staff in the area to improve business achievements.

Establish and maintain a succession plan for the staff in the area using the formal Talent Management process for Identified talent and an Informal process for remaining roles.

Make reward decisions within guidelines set up by Policy and Reward

Determine and analyse training and development needs for direct reports within the area and ensure managers implement same within their branches.

Drive a culture of continuous improvement and remove obstacles to performance improvement.

Conduct deep dives, engage branch staff within the area and establish levels of morale and implement corrective measures In order to have a motivated and healthy workforce.

With the assistance of the HRBP, review workforce and recruitment plans for the area and reallocate resources where required.

Develop appropriate Employee Opinion Survey'(EOS) action Items together with the management team of the area and ensure that items are executed.

Ensure that all poor performance is addressed through the NBC Performance accelerator Programme(PAP) and that continued poor performance is adequately

dealt by the management team within the zone. Review PAP reports to determine effectiveness of interventions.

Work with Specialist Managers and branch staff to achieve NBC's Transformation objectives.

Align the branches and extended teams with the operational and tactical vision of the area.

Conduct structured forums to ensure a common understanding of the business goals and to coordinate joint execution of business plans through area Leadership forum.

Build and maintain great relationships with people both internally and externally to the organisation by setting standards, leading by example and gaining credibility through demonstration of appropriatebehaviour

Encourage staff to see opportunities and solve problems by unpacking business intelligence and formulating and executing action plans.

Provide directions and expectations in respect of business objectives in a clear, consistent and unambiguous way to all area staff and relevant stakeholders. Monitor progress monthly with the aid of a balanced scorecard (Performance Management Framework) and review action plans to close identified gaps.

Encourage local stretched targets, reward individual achievement and celebrate team success.

Implement tactical action plans to address shortcomings and outsmart competitor activities.

Brand, Customer & Community:

Organise and structure all resources including workplace banking partners In the area and ensure that local tactics are executed by guiding everyone to have the right conversations with the customer.

Demonstrate customer focused behaviour and apply the principles of treating the customer fairly.

Be visible and connect with customers in the banking hall across the area to explore their needs and act accordingly.

Balance being authoritative and accessible as a leader In the area and the community, earning the respect of all stakeholders

Conduct Customer forum in each operating unit yearly in order to increase visibility.

Compliance and Control

Mitigate and manage risk, frauds and losses in the area by ensuring NBC policies and procedures are consistently applied, up skilling and utilising resources where necessary. Ensure that NBC communication in terms of operational excellence is embedded in the area.

Ensure that processes, control requirements and risk management frameworks (RCAs and IBAMs) that impact the area are documented and understood by all members of the team

Ensure implementation of all service and sales processes, monitor progress and take corrective actions when required

Be the customer champion and instill a culture where the customer complaints are resolved at first point of contact     

Monitor and direct performance by analysing the branch performance in respect of Audits, Management Assurance and Compliance reviews.

Drive rigour and maintain compliance in every activity of the business in collaboration with Head Branch Operations.

Ensure that the team understands all compliance requirements and where necessary collaborate with Head of branch Operations to conduct deep dives and briefing sessions if gaps are identified.

Ensure that managers in the team understand their responsibilities for physical and systems access control and information security requirements

Competencies

Service Excellence

Quality, High Standards & Controls and Action Orientation

Creativity and Innovative skills

Persuasive

Excellent Communication skills (Writing and speaking) in English

Planning and Organising skills

Initiative and Self-motivated

Skills and Qualities

Ability to work under pressure

Analytical skills

People management

Presentation skills

Relationship management Report writing

Negotiation skills

Risk management

Conflict management

Sales ability and credit skills

Commercial awareness

Problem solving

Qualification Required-

Post graduate in Commerce

Degree in Commerce or Business Administration

Experience required

7years banking experience with alleast 4 years as a Branch Manager. Proven competency in sales and operational efficiency.

Product and credit knowledge

Remuneration

Attractive salary including performance based bonus on achieving targets and overall business performance

Contract:Tenure

NBC IS AN EQUAL OPPORTUNITY EMPLOYER

Application Instructions:

Applicants are invited to submit their application letter, CV's, copies of certificates, 2 referees and their contacts to:

Human Resources Business Partner - (Retail Credit)

National Bank of Commerce (NBC)

7th Floor, NBC House

P.O. Box 1863

Dar as Salaam

Fax no: +255 22 2113749

If you are not contacted by NBC within thirty (30) days after the closing date, you should consider your application as unsuccessful.