Back to all jobs

Text

Sales Manager – Scheme Loans

Text

Company: Sidian Bank

Job Purpose

The Sales Manager – Scheme Loans at Sidian Bank is responsible for driving the growth and management of the scheme loans portfolio. This includes developing and marketing scheme loan products, onboarding new clients, managing stakeholder relationships, and ensuring adherence to lending guidelines. The role also involves providing technical support to internal teams and clients to maximize opportunities and align with the bank’s strategic objectives.

Key Responsibilities

1. Business Development

Actively promote the bank’s scheme loan products to employees of partner organizations and institutions.
Identify, develop, and maintain partnerships with employers, unions, and other stakeholders to generate leads and build a robust scheme loans pipeline.
Conduct market research to assess customer needs, market trends, and competitor products.
Design tailored financial solutions for clients, ensuring alignment with their financial goals and repayment capacity.
Cross-sell additional banking products and services to scheme loan clients.

2. Portfolio Management

Monitor the scheme loans portfolio to ensure alignment with organizational goals and regulatory requirements.
Conduct regular client account reviews to ensure timely payments and proactively identify risks.
Provide periodic performance reports to management with actionable recommendations.
Collaborate with collections teams to mitigate default risks and maintain healthy loan performance.

3. Stakeholder Engagement

Build and sustain relationships with partner organizations to strengthen collaboration and streamline loan application processes.
Work closely with Human Resource teams in partner organizations to facilitate payroll-based loan deductions.
Represent the bank in negotiations and discussions to expand scheme loan product reach.

4. Customer Support

Guide clients through the loan application process, from pre-qualification to disbursement.
Offer advisory services on loan terms, repayment schedules, and associated costs.
Address customer inquiries and concerns promptly to maintain high levels of satisfaction.

5. Training & Capacity Building

Conduct training sessions for branch and partnership staff on scheme loan products and processes.
Provide ongoing technical support to internal teams to enhance service delivery and sales performance.

6. Personal Leadership & Development

Manage self by showing drive, motivation, self-reflection, and a commitment to continuous learning.
Communicate effectively by actively listening and responding with understanding and respect.
Deliver customer-focused services in line with the bank’s service charter, SLAs, and TAT guidelines.
Work collaboratively with others, valuing their contributions to achieve results.
Prepare and implement an annual Personal Development Plan (PDP) and ensure its execution.
Adhere to the bank’s policies, procedures, and code of conduct, maintaining a professional image.
Address audit deficiencies promptly to prevent repeat findings.

Academic Background

Bachelor’s Degree: Relevant business discipline such as business administration or finance.
Master’s Degree (Preferred): Strategic Management or a related field.

Work Experience

Minimum of eight (8) years in banking.
Proven experience in developing and managing loan portfolios, particularly in scheme loans or payroll-based lending.

Skills & Competencies

In-depth knowledge of payroll-based lending and loan product management.
Excellent communication, presentation, and interpersonal skills.
Strong financial analysis and problem-solving abilities.
Familiarity with credit, legal (conveyancing), and lending processes.
Understanding of banking laws, the Banking Act, CBK prudential guidelines, and credit policies.
Effective negotiation and networking skills.
Proven success in business development and portfolio management.

Professional Certification

Diploma in Banking: AKIB (Added advantage).
Certifications in Credit Analysis, Risk Management, or Lending are an added advantage.

How to Apply

To apply for the Sales Manager – Scheme Loans position at Sidian Bank, complete the Job Application Form on the Sidian Bank careers page.

Join Our Platforms for More Opportunities

Connect with Us on social media
Follow us on social media to stay updated with the latest job opportunities, career advice, and scholarship alerts:

LinkedIn: Visit our page
Facebook: Visit our page
Twitter:Pure Job Opportunities
Telegram Group:Pure Job Opportunities
Instagram:Pure Job Opportunities

Job Opportunities

Stay updated with the latest job openings and career development opportunities by joining our platforms:

Job Group 1: Join Here
Job Group 2: Join Here
Job Group 3: Join Here
Job Channel: Follow Here

Scholarship Opportunities

Access information on scholarships, academic funding, and higher education opportunities:

Scholarship Group: Join Here
Scholarship Channel: Follow Here

Sidian Bank

K-Rep Centre,Wood Avenue, Kilimani

Sidian Bank is a full-service commercial bank providing an array of financial services to individuals and enterprises, and has been a leading player in Kenya’s enterprise banking sector.

The bank, formerly known as K-rep Bank, has its origins within K-rep Group, an investment vehicle which was established in 1984 as a project that supported the development of Small and Micro Enterprises through NGO managed programs. In 1987, the project was incorporated as a local NGO. 1989 saw the company change its strategy from supporting NGOs with grants and technical assistance to directly advancing loans to NGOs.

In the same year, K-rep Group established a micro-credit lending program which became its core business and growth area. It also expanded its activities to include research and product development, as well as changing its Technical Assistance (TA) activities to a for-a-fee capacity building service.

In 1999, K-rep Group established K-Rep Bank and two other entities; K-Rep Development Agency to carry on its research and development work and K-Rep Advisory Services to serve as its consulting wing.