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VAF (7 Vacancies)



Job Purpose


To provide a support function to the VAF Business Development Manager and Head of Department in the attainment of the VAF business growth objectives and for an assigned portfolio


Key Responsibilities/Accountabilities



  • Sales management

    • Ensure inflow of new VAF/IPF business in line with set targets i.e. (new to bank clients, used vehicles and transaction of less than Kes10M).

    • Ensure growth of the VAF/IPF book within agreed targets. (Drawdowns of not less than Kes20M per month)

    • Ensure growth of interest and non-interest income as per targets.

    • Regular visits (supported by Call Reports) to Customers and allocated Branches and the used motor dealers.

    • Training the Sales staff in allocated dealerships of our VAF processes and resolve bottlenecks to business.

    • Liaising with allocated Branches to maximise VAF/IPF sales mainly to the new to bank clients and used vehicles.

    • Periodic reports on VAF/IPF performance / figures.

    • Attend the branch meetings for branch allocated and ensure to update the VAF activity for new to bank clients and used vehicles

    • Develop VAF/IPF business opportunities by maintaining a leads list, following up / pursuing leads.

    • Conduct visits to potential i.e. ‘new to bank’ customers with a view to increasing/ maximising on VAF/IPF drawdown’s and cross selling.

    • Liaise with VAF/IPF Business Support to ensure TAT on processing of applications within agreed timelines and smooth drawdowns on approvals to attain 90% conversion rate.

    • Follow up on VAF/IPF applications to ensure that customers’/Dealers/brokers’ requirements have been met.

    • Clearly understand sales targets set for self and unit.

    • Identify and nurture gatekeepers and centre of influence in Motor Dealerships / branches / insurance companies to increase our market share.

    • Conducting training sessions to ensure that Group staff understand the VAF / IPF product.

    • Collecting Market information on product, competition, pricing etc

    • Keep abreast of industry practices, legislation, and current regulatory developments



  • Risk management

    • Identify and manage business risks from both a customer and bank perspective by ensuring that appropriate control mechanisms are in place to minimize risk exposure.

    • Responsible for the adoption within Vehicle and Asset Finance, Anti-Money Laundering and Sanctions related requirements contained in policies, procedures and processes. This includes the consideration and approval of PEP on-boarding and continued business engagement in instances where no adverse information is available.




Key Performance Measures



  • New business targets met and exceeded (drawdown’s)

  • Quality growth in market share.

  • Leads followed up quickly and converted into actual sales.

  • Acquiring of new high value, quality relationships.

  • Retention of satisfied and well informed customers.

  • Adherence to laid down procedures, policies as well as credit and legal requirements.

  • High sales closure rate.

  • Development of a strong referral network.

  • Cost-efficient and professional customer service provided by efficient query/complaint resolution and an effective calling programme.


Problem-solving



  • By understanding the VAF/IPF product end to end, knowledge is applied in the resolving issues with the Customers, Motor Dealers, VAF PFC, Debt Management etc.

  • Resourceful, able to find practical ways of generating new business opportunities, translate these opportunities, targets and plans into day to day activity scheduling


Planning



  • Plan sales activities to meet and exceed targets.

  • Formulate action plans – set goals, standards and priorities.


Decision making



  • To advise customers, the ability to objectively assess their financial requirements in line with our lending policy is needed.

  • Monitor and respond to changes in the operating environment to ensure that customer’s needs are met.

  • Quick to identify and act upon potential sales opportunities.

  • Able to take the initiative within limits of authority.


Minimum Qualification and Experience



  • Bachelors Degree in any field

  • Previous sales experience in a bank will be an added advantage



How To Apply



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