Head � Retail Banking  Business Bankers  Maximises the growth, quality and profit potential of asset, liability and fee services for the SME & MICRO segment under Retail Banking Division through effective management of innovative products, staff and support services. Aggressively develops the business within acceptable risk, regulation, legal and compliance framework 1. Identifies and capitalises on new SME & MICRO market opportunities/approaches to expand market presence and competitiveness
2. Increases SME & MICRO market share in asset, liability and number of customers
3. Monitors sales performance of all branches against targets and initiate effective actions to close identified gaps.
4. Develops new customer products, programs and merchandising/ sales approaches to ensure a highly competitive and customer responsive bank in the SME & Micro segment. 
5. Increases and improves product awareness and exploit all available market opportunities. 
6. Monitors performance of the loan book and ensure implementation of controls to minimise bad debts.
7. Coordinates lending activities of all retail type businesses in the bank.
8. Ensures that staff is trained, motivated and produces high quality work to support the objectives of SMEs & Micros.
9. Makes presentations to credit committees for all applications from Retail Banking.
10. Identifies and capitalises on new SME & MICRO market opportunities/approaches to expand market presence and competitiveness.
11. Increases SME & MICRO market share in asset, liability and number of customers
12. Monitors sales performance of all branches against targets and initiates effective actions to close identified gaps.
13. Develops new customer products, programs and merchandising/ sales approaches to ensure a highly competitive and customer responsive bank in the SME & Micro segment.
14.  Increases and improves product awareness and exploits all available market opportunities Evaluate credit applications submitted by all branches before submission for approval Approve loan application to a maximum limit of $5 000
15. Monitors performance of the loan book and ensure implementation of controls to minimise bad debts.
16. Coordinates lending activities of all retail type businesses in the bank.
17. Evaluates credit applications submitted by all branches before submission for approval. Approves loan application to a maximum limit of $5 000
18. Performs any other duties as assigned by superior.
 Sales performance review
Strategy Review
Loan book & liability performance
 Reports 
Meetings 
Branch visits
Spot checks
  Developing strategies for the SME & Micros in Retail Banking
 Setting targets for individual team members
 Submit credit proposals & make presentations to credit committees
 Track sales performance 
 Undertake visits to top clients as well as branch visits to assess performance and close gaps
 Monitor performance of the Retail Banking SMEs & Micro asset book 
   University degree such as Banking, Finance, Accounting, Business Studies  professional qualification such as IOBZ, ACCA, CIMA, CIS 7- 10 years  Must have good leadership skills - be able to coach and manage people/teams
 Must be able to analyse & interpret financial statements
 Must have solid market development skills 
 Must be able to work independently without close supervision
 Must have good communication skills both written and oral
 Must have good presentation skills   Decides to approve/decline loan applications falling within $5 000
 Decides to send/decline loan applications to approving members or committees with amounts exceeding $5 000
 Decides on which customers to give funds following allocation of a parcel of funds by Group Treasury.
 Decides on which customers to visit
 Decides to assign staff members to assignments in order to meet specific objectives  Ensure compliance to credit policy and RBZ regulations for SMEs & Micro
 Managing complex transactions for all SMEs & Micro
 Managing difficult customers from branches and district offices 
 Respond to matters raised by credit approvers and approving committees relating to credit applications for all SME & Micro applications

Job evaluation subgrade: D