Job Summary:

To drive SME business growth through client acquisition, lending expansion, deposit mobilisation, and strong team leadership, while maintaining portfolio quality and profitability

Responsibilities:

1. 1. SME Client Acquisition & Lending Growth

• Drive acquisition and onboarding of SME and MSME
• Deliver SME and MSME lending disbursement
• Build and manage a strong pipeline and improve conversion

2. Portfolio Productivity & Revenue Optimisation

• Manage average loan size and yield to ensure
• Drive utilisation of approved credit
• Ensure sustainable and quality growth of the SME loan

3. Deposits Mobilisation & Liability Growth

• Deliver net deposit growth targets across SME
• Increase proportion of low-cost deposits (CASA).
• Optimise cost of funds on SME
• Drive fee income from SME transactional banking

4. Portfolio Quality & Risk Management

• Maintain portfolio quality within acceptable
• Ensure early identification and resolution of
• Uphold strong credit underwriting, monitoring, and reporting
• Ensure compliance with internal policies and regulatory

5. Market Intelligence & Business Strategy

• Monitor SME market trends, customer needs, and competitor
• Provide input into product development and commercial

6. Sales Leadership & Team Management

Lead SME sales teams to achieve aggregated targets.

• Drive staff productivity (business per staff).
• Conduct performance management, coaching, and
• Maintain acceptable attrition levels and succession

Qualifications & Experience

• Bachelor’s degree in Business, Finance, Economics, or a related field
• Master’s degree is an added advantage
• Minimum7–10 years’ experience in SME banking or business development
• Proven track record in lending, sales, and portfolio management
• Experience managing and leading sales teams

Skills & Competencies

• Strong sales and negotiation skills
• Leadership and team management capability
• Commercial and financial acumen
• Credit and risk understanding
• Relationship management and networking ability
• Strategic thinking and execution
• Results-driven with strong performance orientation