Head of Products & Transactional Banking

Reporting To: Retail Director

Overall Job Purpose

The Head of Products & Transactional Banking will be responsible for identifying and developing cash management and trade finance business solutions in conjunction with the Corporate and Branch Business Banking team. They will also be accountable for structuring cash management and trade solutions to new and existing customers to meet sales goals and targets, and spearheading the rollout and utilization of Alternative Banking Channels.

Principle Accountabilities

Ensure that working capital product and ABC channels revenues and profitability targets are met and exceeded.
Undertake market situation analysis to identify new business opportunities.
Understand customers’ businesses and anticipate their requirements.
Match customers’ needs with HFC product capabilities through presentations and proposals.
Negotiate terms and conditions with customers to maximize revenue and profitability.
Offer structured and need based solutions to meet the specific cash management and trade services requirements of our customers and prospects.
Monitor, track and report on sales activity on a periodic basis and to ensure action is taken to meet sales targets.
Conduct joint calls to ensure sales targets are met, new revenue opportunities are identified and customer feedback is obtained.
Ensure smooth deal implementation and while maintaining high levels of service quality.
Identify opportunities for cross selling and referrals to other HFC business lines through developing a good understanding of client needs.
Ensure customer service issues are addressed to maintain a high level of post sales service.
Minimum Qualifications, Knowledge and Experience

A business related degree from a reputable institution
Masters’ degree is an added advantage.
At least 5 years banking experience in cash management, transactional banking or product management at least 2 years should be at Senior Management level.
Strong appreciation of banking operations, corporate, treasury, retail and transaction banking.
Key Competencies and Skills

Team Work and Interpersonal skills
Strong interpersonal skills; Capability to liaise, interact, coordinate and build rapport with people at all levels
Ability to multi-task and cope with tight deadlines in a high-pressure environment
Must be a self-starter and have an appreciation of business growth and priorities
High Leadership Skills
• Problem solver
Technology orientation
Ability to work under pressure
Must be able to communicate with a wide variety of third party vendors and processor support teams.
Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form
Capacity to define problems; gather data, establish facts and draw valid conclusions
Analyze and interpret statistical data, focus on details, correlate various pieces of information, identify trends, and understand the reasons behind problems as well as successes
Generate effective solutions to problems while considering all aspects of situations
Strong interpersonal skills highly motivated and well organized; excellent oral and written communication skills
Ability to prioritize workload, maintain integrity of confidential member and team member information
Ability to handle multiple tasks while prioritizing the importance of items in a fast paced environment
Must be highly motivated and organized
Must be able to meet required deadlines


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About HF Group

Housing Finance Company of Kenya was incorporated as the premier mortgage Finance Institution in Kenya licensed under the Banking Act with the CDC and the GoK owning 60% and 40% respectively.

Housing Finance started operations with the main objective of implementing the government’s policy of promoting thrift and home ownership by lending funds advanced from First Permanent East Africa Limited (FPEA). Operations were restricted to the zoned residential areas within Nairobi and Mombasa.

Deposits of FPEA in Kenya were transferred to HFCK while the Tanzanian and Ugandan deposits were transferred to The Permanent Housing Finance Company of Tanzania and the Housing Finance Company of  Uganda respectively.