Head, SME Banking

HEAD, SME BANKING JOB REF: RB282013
The Position:
Reporting to the Director Retail Banking, the Head, SME Banking will be responsible the growth & profitability of the SME Banking and small holder Agribusiness Segment through the development and execution of the SME & Agribusiness strategy.

Key Responsibilities
 Design and drive an effective, strategy, business model and customer value proposition that focuses on
building and deepening relationship with existing and new profitable SME customers.
 To achieve growth within business risk parameters and drive acquisition of profitable new customers for the SME Banking & Agribusiness business through the creation, development and maintenance of high quality advisory relationships.
 To drive customer-led propositions for the SME & Agribusiness segment by developing a pipeline of value adding customer solutions which are consistent with the business strategy. To include customer experience, products, service offers and business stage propositions.
 To review all segments products and performance of each product on a continuous basis.
 To ensure SME & Agribusiness customer relationships are managed through pro-active and Consultative
approach and detailed understanding of existing customers /business to enhance profit.
 Grow an effective loyalty program for SME customers for networking and deepening of KCB SME market penetration through the Biashara club/ KCB Entrepreneur’s club.
 Review lending risk and processes that affect the growth of the segment.
 Ensure there are appropriate internal controls and procedures are in place and documented. Monitor the
operation of such procedures and controls and regularly review them to ensure they reflect any changes in
products, systems, policy or regulations.
 Facilitate training programs to enhance product knowledge to the Business Banking teams, branch staff and sales teams on SME and Agribusiness Products.

The Person 
For the above position, the successful applicant should have the following:
 A university degree in a Business related area. Possession of a post graduate degree or professional
qualification in a related field will be an added advantage
 At least 8 years general banking experience at management level and with experience in the Small Medium
Enterprise Sector and must have:
 Experience in Credit analysis and administration.
 Experience in Customer service/Relationship Management.
 Experience in Sales & Product development
 Experience in Agribusiness is essential
 A thorough knowledge of Retail Banking products and services, and extensive Banking Industry knowledge.
 Excellent interpersonal, and negotiation skills with the ability to network, generate new business and
develop strong business relations.
 Strong leadership skills with demonstrated competences in championing high performance management.
 A good understanding of risk, credit policies and procedures.
 Excellent planning, Organization, problem solving and analytical skills

The above position is demanding for which the bank will provide a competitive package for the successful
candidates. If you believe you can clearly demonstrate your abilities to meet the criteria given above, please submit your application with a detailed CV, stating your current position, remuneration level, e-mail
and telephone contacts quoting the job title/reference in the subject field to recruitment@kcb.co.ke.
To be considered your application must be received by 21st August, 2013.
Only short listed candidates will be contacted.