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Job Title: Personal Banker – Credit Cards
Department: Direct Sales
Direct Supervisor: Team Leader/Sales Manager
Job Number
Grade: G
2 Job Purpose
- Source Credit Card applications from right target segment to achieve business objective. 3 DIMENSIONS Operating Expense Budget NA Number of Staff NA Capital Exp. Budget NA Revenues 4 KEY RESULT AREAS
- Maintain the quality of applications brought in for satisfactory approval rates.
- Maintain Product mix to ensure profitability of business.
- Proactively work towards satisfying the needs of the customer.
- Ensure adherence to Credit and Policy guidelines in sourcing customers by maintaining quality of applicants and proper documentation.
- Manage bulk sourcing of customers from corporate sector and exploiting sales opportunities by translating them into fruitful business relationships.
- Follow the documentation policy guidelines while accepting the documents from the customer.
- Interaction with Team Leader regarding expectations and to ensure target achievements.
- 5 Operating Environment, Framework and Boundaries, Working Relationships
- Competitive, dynamic, volatile and regulated business environment with low entry / exit barriers.
- The job holder will be operating within well-defined and demarcated business areas and is required to adhere to the policies and guidelines set out in the Bank's Credit Policy Manual.
- Candidate must effectively / actively liaise with his superiors and direct reports within the business unit to achieve business objectives.
- Works in an environment of daily reporting with six days working. 6 PROBLEM SOLVING
- Sales require understanding customers individual financial circumstances.
- Responsible for assisting staff and customers in achieving their goals and objectives. 7 DECISION MAKING AUTHORITY & RESPONSIBILITY
- Responsible for honestly assisting the customer in achieving his objectives through courteous and friendly service, accurate promises keeping within the service delivery standards set by the bank.
- Should have complete product & policy information to ensure necessary documents are provided by the customer before submission to ensure smooth TAT.
Classification: Internal Use
8 Knowledge, Skills And Experience
- Sales profile that require confidence, persistence, personality and verbal written
- Basic knowledge of products, service policies and processes of Retail Banking.
- Any discipline with1 year sales experience
