RESPONSIBILITIES

1. Planning:

• Work with the Regional Director to provide insights on the business potential of the Centre in order to establish annual targets/budgets for the centre;
• Negotiate and agree on the centre’s goals/budget with the Regional Director;
• Develop the operational plan for the centre and review, aligning this plan with the Regional Director.

2. Monitoring the planning and budgeting processes of the centre:

• Collaborate with BMO to allocate the targets/KPIs to staff.
• Review and control operational costs within budget limits.
• Assign personnel to specific roles that match their expertise.
• Recruit staff within the budget limits to drive business growth.

3. Managing operational effectiveness:

• Be responsible for the centre’s sales operations, including driving revenue, pre-tax profit, and enhancing overall cost efficiency in service delivery to customers.
• Be accountable for the quality of credit proposals and the quality of the loan portfolio (NPL).
• Take responsibility for improving operational metrics, including increasing outstanding loans and deposits, the number of new customers, the number of products per customer, and enhancing customer satisfaction levels.

4. Ensuring quality and efficiency in service provision and sales:

• Manage daily sales activities and service delivery.
• Ensure quality and efficiency in processing credit applications (escalating applications to evaluation units, handling post-approval processes). Guarantee the shortest processing time for credit requests for customers.
• Plan and implement programmes to attract new MSME customers for the centre.
• Approve financial expenses within the scope of authority.

5. Communication – Brand promotion:

• Implement marketing programmes and products as directed by Head Office; develop and execute specific programmes for the centre if necessary.
• Manage community relations and proactively develop potential customer contacts in the local area.
• Ensure compliance with the bank’s regulations and guidelines.
• Train sales personnel, including proactively utilising CRM, product portfolios, and managing the sales funnel to enhance sales effectiveness and productivity.

6. Human resource management:

• Monitor and manage actual business performance against the budget and targets for the entire Centre.
• Conduct periodic business performance reviews and work with departmental heads to assess employee results.

7. Leadership and regular staff guidance:

• Provide direct training, coaching, and career guidance to Centre staff.
• Create a professional and friendly working environment.

REQUIREMENTS

• A bachelor’s degree or higher in business administration, economics, finance, or banking.
• At least 8 years of experience in the finance and banking sector, including 4-6 years in managerial positions within business units serving small and medium-sized enterprise (SME) clients.
• Comprehensive knowledge of products and services, market conditions, industry-specific characteristics, and the needs of SMEs, as well as expertise in the finance and banking sector: advanced.
• Up-to-date understanding of best practices, procedures, legal regulations, and risk management policies, alongside operational processes of banks related to the business sector.
• Creative problem-solving skills, business acumen, and the ability to identify sales opportunities; proficiency in gathering information and analysing potential markets and clients; advanced planning and execution management skills.
• Strong abilities in impactful communication, effective presentation, and guidance: advanced.
• Skills in team management, motivation, and employee engagement: advanced.