Details :REPORTING TO: Head Products & Revenue Assurance
RESPONSIBLE FOR: Retail MI and Analytic
PURPOSE OF JOB
The Manager MI & Analytic plays a crucial role in Business Performance and Planning, has the responsibility of providing daily accurate information on business direction, relevant management information (MI) and analysis of Business data both financial and non-financial to Retail Team to support business in improvement plans and decision making
Tracking, monitoring, analyzing, and reviewing progress against targets and making recommendations to management committees as may be required.
Driving Business Direction – Analytic, data mining MI and performance related analysis.
Supports in developing the retail banking strategy through provision of insightful strategic analysis on financial performance trends, sales productivity analysis, co-ordination of periodic commentaries from function/division heads, economic analysis and such other relevant macro trend analysis.
Coordinates compilation for the retail segment financial plans/budgets including analytical support of the budget drivers and processes of the plans for the specific Consumer businesses in connection with the budget owners.
Manages the retail banking segment budgets and financial performance including Income, Cost and Balance Sheet streams highlighting material variances and reporting regularly to the Retail Director, with recommendations for timely strategic actions.
Analyze monthly P&L reports from finance to identify any anomality’s and income leakages.
Upload Sales staffs Training Marks, Sales Code and Products responsible for sales in the system.
Business Management & MI Development
Prepare and circulate all in country Retail daily MIS with appropriate commentaries to all stake holders
Supports the functional and segment managers on designing and managing business processes that minimizes income leakages and assist in reviewing business processes to achieve efficiency and cost effectiveness.
Assist Head Product & Revenue assurance to provide accurate and timely analysis of the Retail business performance, aimed at identifying root causes of variances to budgets and forecasts.
Maintain a clear and objective view of business performance through accurate monthly flash/ forecast, (Dashboards)
Manage resources effectively and within budget.
INTERACTION WITH OTHERS
To have regularly contact with Head Products & Revenue Assurance, Finance team, Human Resource Department, Heads of Functions in retail Banking, Credit Team, Information Technology function etc.
QUALIFICATION, EXPERIENCE AND SKILLS
Bachelor’s degree in business/economic studies or any related degree
Masters’ degree will be added advantage
At least 3 years’ experience in related field
Have a broad knowledge of Consumer products, Sales Management processes, cross function management structures, financial planning and a believer in strict budget and performance monitoring discipline.
Excellent numeric skills including meticulous attention to detail
Computer literacy specifically high competency in Excel spreadsheets.
Strong analytical and diagnostic skills
Good numerical skills for calculation of statistics, figures and targets
Strong business planning and financial management skills
Ability to work to tight deadlines without compromising accuracy
Understanding of the domestic economic and industry trends
DOTTED REPORTING LINE TO: Head of Special Assets Management
HOURS OF WORK: 8am – 5pm; Monday to Friday. Additional hours as required by workload
REGION: Dar es Salaam
JOB PURPOSE: Assists in monitoring, impairment and collections of classified loan accounts, these includes suit and non-suit filed under retail and corporate segments of the loan book.
Develop and implement daily portfolio performance monitoring Trackers/report for constant monitoring key parameters on the bank NPAs portfolio, primary focus shall be on;
Early detection of problem on restructured accounts
Upcoming auctions with details about the properties
Updates status on key NPAs – required on weekly basis
Meeting recovery targets
Ensure that accrued interest on NPAs accounts are being suspended each month accurately and in a timely manner and subsequently collection/recoveries are being posted in such manner.
Write off approved NPAs as per the guidelines.
Where mandated, representing the Bank as witness on court cases related to NPA`s (Non- Performing Accounts)
Handling of various audits including external and internal
Liaise with finance team to ensure accurate and timely submissions of credit related reports as per BoT Returns prescribed format.
Assist in the implementation and UAT of major credit related projects specifically for collection and recoveries unit.
Monitoring of restructured accounts under NPA portfolio with a view to prevent their slippage onto none payment status and devising/ implementing strategies to make recoveries from these accounts where circumstances deem necessary.
Ensure firm communication to respective NPA customers regarding restructuring proposals, payment of installments once restructured.
Ensure at all time all securities under NPA accounts are well documented, visit confirmation of their whereabout completed and update the unit on the condition of the security at all time, maintain the security register.
Preparing monthly and quarterly provision reports, both regulatory and impairment charges as per IFRS 9 requirements and ensure any shortfall or surplus been reported promptly to the manager and Head of Credit.
Produce regular unit provision forecasts and recoveries planning reporting for inclusion in quarterly and monthly management reports/board reporting.
Preparing Mancom monthly report covering unit related items and other issues as prescribed by the unit manager.
Timely identification and communicating to collection & Recovery manager and Head of credit for all accounts qualifying for prudential write-off and Downgradation within NPA buckets including those qualifying for upgradation during the period.
Maintaining collection and recoveries tracker and projection for the unit, and share the same on weekly basis for discussion with the unit manager or Head of Credit
Preparing and sending reminders to customers regarding payments, or other issues as mandated by management.
Preparing adverts for marketing of repossessed properties or properties about to be auctioned by the bank or through external parties.
Any other duties that may be assigned by the line manager or management.
INTERACTION WITH OTHERS
Internal: Regular contact with the Clearing, I.T, Marketing, other departments and staff
External: Regular interaction with customers
Minimum University Degree in Finance/Accounts/Banking/Business Administration.
Relevant professional qualifications in Banking, Finance or Accounts will be an added advantage.
Experience and Qualities:
Minimum 4 years working experience in Banking Industry
Good analytical skills
Good communication skills
Carry out work in accordance with the Bank’s procedures
Perform the assigned tasks with due diligence
Eliminate waste of whatever form, suggest the use of new practices and contribute to the continuous improvement of the Bank
Job Name : Manager Card Issuing Credit and Debit cards – M2
PURPOSE OF JOB
To develop Manage the strategic development and operational functionality of the Bank’s debit and credit cards business in alignment with the Bank’s corporate objectives.
Responsible for maintenance and growth of debit, prepaid and credit card portfolio key revenue metrics (penetration, activation and utilization).
The incumbent will lead and drive digital transformation efforts across the bank for all customer touch points, including cards, online, mobile applications and physical channels i.e. ATMs and Agent network
The incumbent will collaborate with marketing, technology, operations and other internal stakeholders within Retail and other functions (DAC, Product, Branch Network etc.) to establish a common vision and strategies for the Digital transformation driving through a Digital Steering Committee to be established.
Have overall responsibility for the delivery of multiple technologies by ensuring consistency in delivery approach through in country Technology delivery office.
To ensure growth of card usage transactions, Incomes for Visa and MasterCard products.
To maximize card profitability by overseeing revenue optimization and cost reduction in the card business.
Implement strategies for growth of debit, prepaid and credit card portfolio key revenue metrics (penetration, activation and utilization).
Maintain industry intelligence in card technology and consumer trends and identify applications to enhance the Bank’s corporate objectives.
Promote customer usage of and migration to debit card channels including design and implementation of programs that promote customer retention and growth.
Manage and execute internal communication regarding cards and card delivery channels to ensure a high level of knowledge in the key areas of customer sales and servicing is achieved.
Build partnerships with MNOs, fintech’s and other third-party service providers to drive business growth and revenue maximization.
Revenue growth both NFI and NII (credit cards)
Dept. meetings & Job rotation with Card Ops
Staff motivation, discipline, drive to meet targets.
INTERACTION WITH OTHERS
Internal: Regular contact with Branches/Departments, Bank Seniors.
External: Regular liaisons with scheme vendors – Visa, Mastercard, Unionpay, Selcom, Amex etc, and external companies Yalamanchili, TPS
QUALIFICATION AND EXPERIENCE
Bachelor’s degree in Business Administration or any other related field from an accredited college.
At minimum 3 years of experience in managing card products or product management (preferably in banking or finance industries)
Strong working knowledge and understanding of the electronic payments environment.
Entrepreneurial and commercial thinking
Experience in operating in changing environment
Excellent communication skills (verbal and written);
Numerical analysis skills: business cases, margin and cash flow analysis;
Ability to write and deliver training courses and materials;
Good interpersonal skills;
Project management skills;
Time management skills;
Problem solving skills;
Ability to be pro-active with a sense of urgency;
Ability to read, understand and communicate technical documentation; and
Be a self initiative and a motivated person able to work in a fast-paced environment.
Carry out work in accordance with the bank’s procedures
Perform the assigned tasks with due diligence.
Eliminate waste of whatever form, suggest the use of new practices and contribute to the continuous improvement of the bank