The Relationship Manager, Transaction Banking & Cash Management is crucial for driving sales and business development across the bank’s digital, transaction banking, and cash management products and channels. This role focuses on growing the uptake and utilization of these products within the bank’s target markets, alongside driving customer acquisition, onboarding, activation, and usage of Sidian Bank’s digital channels and customer technology solutions.
Products and Solutions Supported
This role is responsible for supporting sales growth across the following key solutions:
- Corporate & Retail Internet Banking
- E-commerce Gateway / Online Card Payments (Merchant Acquiring: POS & Ecommerce)
- Sidian Express (C2B/B2C)
- API & Host-to-Host (H2H) Integrations
- Credit Cards
- Direct Debits
- Self-Service Digital Account Opening
- Ecosystem Banking (Value & Supply Chains)
- Last-Mile Financial Solutioning (Mass-Market Digitization)
Main Activities and Responsibilities
Strategic Input and Planning
- Contribute to the completion of the Digital, Transaction banking & Cash Management strategy by preparing and implementing an individual business plan that encompasses strategies for performance on branch and SBU growth objectives.
- Prepare a personal action plan contributing to the overall budget.
- Drive sustainable digital transaction growth across all channels.
- Reactivate dormant users and merchants.
- Expand usage across ecosystems, distributors, wholesalers, and mass-market networks.
Sales & Business Development
- Hold full responsibility for all digital product lines, sales, and business development: Credit card sales; Corporate Internet Banking sales; Mobile Banking; Mobile Lending; Retail Internet banking; Lipa Na MPesa products – Tills/Paybills/Express; Salary advance for employed staff; Debit Cards and Money Transfer remittances.
- Develop business opportunities and monitor digital channels activities in line with the Bank’s long-term strategic and annual business plans, ensuring the bank remains competitive and promptly reacts to changing market conditions and customer needs.
- Enhance relationship marketing and management to establish, maintain, and enhance profitable relationships with customers and other partners.
- Actively market and develop digital banking products to existing and prospective clients to grow wallet share.
- Continuously conduct market research and competitor analysis to identify new business opportunities.
- Manage relationships of key accounts while cross-selling and upselling.
- Ensure activation of clients onboarded on different digital channels (mobile, debit card, credit card, LNM, Internet Banking) to drive utilization, transaction volumes, and income.
- Responsible for Credit card business growth through customer acquisition and usage.
- Drive portfolio growth through aggressive client acquisition, sales, and relationship management to increase the uptake of cash management products.
- Handle new merchant acquisitions, develop merchant relationships, attend to enquiries, and set up new merchants under Lipa na Mpesa and Sidian Xpress.
- Drive the growth of revenue from cash management solutions and any new products.
- Responsible for growing salary advance/mobile lending loan book.
- Responsible for driving growth in Bulk Internet banking processors.
- Assess customer ERP, POS, payroll, e-commerce, and internal system capabilities.
- Map Sidian’s digital channels and payment solutions to customer workflows and system environments.
- Explain API/H2H integration pathways, documentation requirements, and User Acceptance Testing (UAT) processes.
- Coordinate end-to-end technical onboarding and go-live engagements.
Marketing
- Enhance value creation by creating, communicating, delivering, and offering solutions that have value for customers, shareholders, and partners.
- Build the Sidian Bank Brand to ensure the bank is top of mind as an enterprise bank.
- Understand and provide clear direction to the branch based on market analysis of local consumer trends and competitor offerings.
- Support product specialists and sales teams in marketing initiatives and other products to local businesses.
Customer Experience
- Act as a key driver for building a base of promoters by enhancing positive customer experience and advocacy.
- Link sales and service, embedding a customer service culture to grow the balance sheet.
- Provide seamless customer support, ensuring challenges are timely handled and complaints promptly escalated for closure.
- Ensure seamless onboarding and post-onboarding support.
Decision Making Authority
Decision making authority includes:
- Appropriateness of the business structure.
- Pricing structures and negotiation parameters.
- Range of products to support business.
Qualifications and Experience
Academic Background
- University Degree in Bachelor of Commerce (Finance or Accounting) or other relevant Business Degree.
- Master’s degree will be an added advantage.
Work Experience
- At least five (5) years’ experience in banking.
- A minimum of three (3) years specialized experience in Electronic Channels / Cash Management / Digital Banking / Transactional Banking.
- Experience in banking regional delivery, with extensive knowledge in Internet Banking.
- Experience and knowledge in Money remittance field.
Skills & Competencies
- Sound knowledge of Retail Banking/SME products, services, and processes, coupled with exposure to retail banking branch operations or customer service delivery.
- Profound understanding of the retail market, key competitors, and offerings.
- Thorough understanding of CBK regulatory framework and pertinent regulations impacting corporate customers.
- Strong leadership, marketing, sales, and management skills.
- Highly effective communicator with excellent interpersonal and motivational skills.
- Solid performance management and motivational skills.
- Excellent relationship building and stakeholder management skills.
- Strong managerial, planning, analytical, decision-making, lateral thinking, and project management skills.
Professional Certification (Desirable)
- CPA (K), ACCA or equivalent professional qualification.
- Diploma in Banking – AKIB.
- Project Management.
