Head Retail Banking  Operations and Support Manager, Business Development Officer, Agency Banking Supervisor, Agency Banking Administrator Undertakes strategic planning, develops and implements strategies for the growth of Agency Banking. Grows revenue by developing a strong, extensive agents� network that facilitates payment of financial products and services in informal, unbanked, under banked and Diaspora markets 1. Provides leadership and vision to the organization by assisting the MD Bank, Head Retail and staff  with the development of ZB Agency Banking Strategy  (long range and annual plans), and with the implementation, evaluation and  reporting of progress on the plans. Specifically, provides leadership and vision in overseeing the operations of all ZB Bank Agents whilst leveraging on Group Marketing and Corporate Communications, Retail Banking particularly Electronic Banking Unit, Group Operations, Group IT and Corporate Banking.
2. Provides leadership and vision regarding overall financial health of ZB Agency        Banking -including overheads cost control, agents� cash management, productivity and profitability.
3. Oversees preparation of annual budget, regular variance statements and annual audit.
4. Keeps abreast with developments in the financial services sector locally, regionally and internationally to ensure that the ZB Bank Agency Banking has a competitive edge.
5. Demonstrates initiative and creativity evidenced by new product/services initiatives, business partnerships, brand prominance, agents onboarding and distribution network.
6. Manages press developments and has oversight on content and distribution of marketing and publicity materials in consultation with the Head of Group Marketing and Corporate Communications.
7. Manages compliance with all relevant legislation and the requirements of the regulatory authorities which include the Reserve Bank of Zimbabwe, Powertel , ZETDC and biller partners etc.
8. Manages and maintains high standards of business ethics and corporate governance practices.
9. Manages total compliance with labour legislation.
10. Maintains good public relations and a sound reputation for Agency Banking
11. Advises appropriate stakeholders on the performance and activities of Agency Banking.
12. Demonstrates and provides leadership in Human Resource Management , through overseeing:
i. Recruitment and contracting of ZB Bank Agency Banking staff.
ii. Skills development, Talent retention and Succession planning.
iii. Industrial Relations and People Risk management.
iv. Performance Management and Compensation Management
13. Undertakes extensive and continuous research to come up with innovative and value adding products , services and channels to be offered through Agency Banking.
14. Manages viability and profitabilty of Agency Banking
15. Leads and co-ordinates the aggressive Growth of Agency Banking locally, regionally and internationally
16. Leverages on ZBFH SBUs for the growth of Agency Banking products and Services 
17. Signing of Agency Banking Contracts as directed by the MD under the Power of Attorney
 Report review
Meeting with immediate Supervisor- Bilateral
Technical Review meeting with IT, E-Banking 
Monthly Report review
 Agency Banking Tracking template
Report Review
Month end report review
District Managers Agents Banking returns
Innovation Sessions
Business Development Schedules
Weekly & monthly 
  Submit Annual Plan and Budget 
 Submit quarterly Board paper 
 Submit monthly report 
 Submit monthly business development plans, update and undertake monthly Agents� visits 
 Submit monthly Agency Banking  evaluation and monitoring reports
 Submit monthly returns to Powertel/ZETDC
 Submit monthly risk matrix
 Constantly assessing and analyzing the business environment to identify opportunities, threats for Agency Banking, competitor benchmarking
 Identify, quantify, calculate and source resources needed to achieve the goals and objectives of agency banking and ultimately the ZB Bank overall strategies
   MBA, First Degree in Business Management, Marketing/Sales, Finance, Banking  Exposure to IT/E-Banking
 Leadership Courses 
 Studies in entreprenership, Informal sector Banking, financial inclusion
 5 years  Must have solid strategic formulation skills 
 Must have effective problem - solving and mediation skills.
 Must have solid Market development skills
 Must have demonstrated ability to multi - task and work and make decisions  in a fast - paced office setting.   
 Must have proven ability to cope with conflict, stress and crisis situations. 
 Must have excellent, proven interpersonal, verbal and written communication skills
 Must have solid project management skills  
 Must have solid business acumen including ability to interpret financials 
 Must be innovative and creative
 Must be able to work with minimal supervision
 Must be a go getter
 Must be well organised
 Must be motivational
 Must have good conceptual and organisational skills
 Must have good diagnostic skills
 Must be an effective decision maker
   Decides on Agency Banking Strategic direction � the how, where and what
 Decides on Agency Banking Targets and market position
 Decides on Agency Banking revenue growth- pricing , business growth
 Decides on resources required to achieve Agency Banking objectives
 Decides  on agents� recruitment and biller partnership strategies 
 Decides on the profile for agents and where & how to appoint full agencies for Agency banking
 Decides on Agency Banking roll out and marketing program - locally, regionally and internationally
 Decides on Agency Banking Key Performance Indicators
  Decides on Stakeholder relationship Management- CRM with Agents, Compliance with RBZ, Powertel, ZETDC, Internal interdepartmental and inter SBU relationship managment
  Ensuring Compliance to company policies and procedures 
 Ensuring compliance to RBZ , Powertel, ZETDC  
 Ensuring compliance to partnership requirements 
 Checking the efficiency and effectiveness of the Agency Banking Plan
 Ensuring adequate resources required to achieve success
 Monitoring system efficiency and mapping appropriate strategies to deal with service issues
 How to be the dominant brand and player within the market
 Monitoring rate of on boarding of agents and profitability
 Ensuring and monitoring quality service delivery along the value chain and especially at Agents� sites
 Learning from Agency Banking successes and analysing and learning from other Agency Banking players� failures
 Managing extremely difficult agents 
 Managing Agency Banking operational efficiencies and market perceptions
 Co-ordinating the various support services to ensure teamwork effectiveness and efficiency in Agency Banking operations


Job evaluation subgrade: D