Standard Bank Group is a leading Africa-focused financial services group, and an innovative player on the global stage, that offers a variety of career-enhancing opportunities – plus the chance to work alongside some of the sector’s most talented, motivated professionals. Our clients range from individuals, to businesses of all sizes, high net worth families and large multinational corporates and institutions. We’re passionate about creating growth in Africa. Bringing true, meaningful value to our clients and the communities we serve and creating a real sense of purpose for you.

To proactively promote a virtual/remote relationship-based offering by being a dedicated and primary point of contact for clients in the Personal Banking segment, through the provision of banking solutions which meet their needs and in accordance with the specified value propositions.

Bachelor of Commerce Degree or related

Experience:

3-4 years: Experience in sales and relationship management of clients and able to drive profitability, and build relationships and problem solving. Proven sales track record in the financial services industry. Experience in developing campaign solutions through the use of insights. Knowledge of the bank’s products, services and digital platforms.

Key Responsibilities:

• Communicate findings of root-cause analysis to relevant stakeholders and recommends solutions or recommendations.
• Conduct a financial needs analysis with all new and existing clients to ensure that product opportunities identified are appropriate to meet their needs and priorities.
• Identify alternative solutions in order to meet client demand whilst still meeting the bank’s profitability, risk and compliance requirements and aiming for a win-win situation for both client and the bank. Need to resolve requests in such a manner as not to harm the relationship (even when declining deals).
• Maintain, entrench and grow each client relationship and manages the risk per client to ensure consistent growth in portfolio and returns to the bank.
• Educate clients with regards to lending application processes (e.g. vehicle finance, home loans, overdraft, credit card, personal loans, cash, etc.), credit maintenance processes (e.g. annual reviews) and account conduct expectations (e.g., minimum account balances, provision for debit orders and cheque payments, etc.).

Behavioural Competencies:

• Articulating Information
• Convincing People
• Managing Tasks
• Upholding Standards 
• Team Working 

Technical Competencies:

• Customer Understanding (Personal Banking)
• Product Knowledge (Personal Banking)
• Banking Process & Procedures
• Client Retention
• Cross and Up-Selling