Description:

Develop and manage the SMEs business activity of the group, in line with the global bank strategy. Develop and implement the SMEs action plan of the group. Develop and appraise the commercial activities achieved by the SMEs teams within the group’s branches. Utilize every opportunity to enhance SME’s business, propose new banking products and services in line with customer banking needs. Act as the main reserve of SMEs business knowledge for all SMEs Team Leaders and Relationship Managers within the group.

Duties & Responsibilities:

1- Understand the bank strategy with regards to SMEs business and develop an aligned SMEs action plan for the

group.

2- Maintain awareness of the different economic conditions, money markets, and capital markets.

3- Collect, analyze and communicate market intelligence on clients, competitors, and markets.

4- Represent the SMEs business line for the group.

5- Plan and follow up on commercial activities within the Group in order to develop its’ SMEs portfolio and to

ensure the set targets are achieved on the group and the branch levels. Take corrective actions whenever

necessary.

6- Support and ensure active portfolio management by every concerned RM/STL using Delta Portal’s different

features (Opportunities, Appointments, Tasks and Discussion Topics).

7- Ensure quality of portfolio

8- Follow up on irregularities and report immediately for any irregularities

9- Maintain high level of awareness of the area under supervision in addition to overall SMEs market coverage.

10- Coach and counsel subordinates (STLs & RMs,SMEs) to ensure their development and the enhancement of

their capabilities.

11- Represent the main reserve of SMEs business knowledge within the branch and is responsible to diffuse this

knowledge among the Relationship Managers, SMEs / STLs for their development as well as ensuring their

understanding of the new products and procedures.

12- Solve unusual problems arising from customers that require good judgment and on-the-spot decisions.

13- Conduct frequent meetings with the SMEs team to motivate them, assure their congruence with the SMEs

strategies and global action plan.

14- Hold regular meetings with SMEs clients

15- Monitor, control and optimize SMEs workflow to improve productivity.

16- Ensure active portfolio management by using possible tools and reports

17- Maintain ability to recognize and identify the needs and opportunities of SMEs customers, proposing new

products / services, commercial approaches and processes whenever appropriate.

18- Ensure efficient and effective communication among SMEs team members within the group.

19- Responsible for maintaining communication with the various Head Office processing centers, taking initiative

to intervene to solve any arising issues.

20- Ensure achievement of SMEs commercial targets set for the group / the branch level through:

21- Follow up on the group’s SMEs activity.

22- Perform frequent visits to branches.

23- Follow up on the Relationship Managers, SMEs targets’ achievement.

24- Hold meetings with the Relationship Managers, SMEs.

25- Apply and encourage cross-selling to SMEs clients: Retail, Leasing, ALD, Insurance, … etc.

26- Supervise and ensure the accuracy and timely production of relevant reports and statistics.

27- Identify required resources including human resources and other tools.

28- Coordinate with relevant entities the fulfillment of the group’s requirements including recruitment and training

in collaboration with the Head of Support.

29- Coordinate with the Heads of Corporate and Retail within the group to create synergy and achieve both

targets.

30- Hold and attend regular meetings with relevant entities at Head Office to assure support in achieving the

group’s target.

31- Ensure that the bank’s policies and procedures are applied and respected by the SMEs teams.

32- Adopt the bank’s policies and procedures in order to guarantee that the bank’s business is conducted in

compliance with Local Laws, Internal Rules and Regulations, as well as International Standards.

33- Ensure the correct functioning and implementation of the Permanent Supervision, Compliance and Money

Laundering, Operational Risk, and Workplace Success Guidelines whenever and wherever possible.

Job Specifications:

Education:

• Bachelor’s degree in business, Commerce, or Economics

Experience:

• A minimum of 12 years’ experience in banking
• Sufficient experience / background in customer relationship management

Skills:

• Excellent communication, leadership, & managerial skills
• High analytical, observational, and problem-solving skills
• Innovative, self-motivated, cooperative, creative, & proactive
• Ability to manage different tasks and assignments in parallel and in timely manner
• Fluent in Arabic & English written/spoken

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