Sales Manager Consumer Payroll Deduction Lending

Applications are invited from knowledgeable, experienced, and skilled candidates to fill the position of Sales Manager Consumer Lending

The successful candidate will report to the Head of Consumer Payroll Lending. The successful candidate will oversee the Sales infrastructure and teams for the consumer lending business for Zimbabwe.

Key Responsibilities

Business Profitability – Gross Sales – Loan book Growth – Interest Income targets – Loan quality

Manage entire sales vertical to ensure optimum growth and profitability.

Cost Control across the business unit on sales and operational sides.

Set overall sales strategy with Head of Consumer Payroll Lending.

Analyse data provided by analysts to make decisions to maximise long term profitability.

Plan future growth of the business and explore opportunities for cross-selling.

Provide feedback regarding the consumer lending market micro and macro developments.

Work with teams to manage departmental audits and audit items. Ensure that all audits are adequately responded to and managed to achieve the required results.

Build sales capacity across the whole of the Zimbabwean territory to provide services for all Bank Customers.

Collaborate in setting sales targets that will contribute to achieving the country consumer lending targets and the bank’s performance targets.

Providing accurate and regular reports to Head of Consumer Payroll Lending and the Group Head of Consumer Lending regarding the sales and net growth performance of the civil service lending business

Undertake a process of constant training of sales/branch managers, team leaders, DSA’s and other sales staff in the Civil Service/Consumer Payroll Lending Business

Improve access to customers for the Bank by creating sales infrastructures across Zimbabwe.

Constantly be travelling and opening new potential markets.

Ensure high-quality deal origination

Personal Competencies

In-depth knowledge of payroll deduction and consumer lending

Zimbabwean Resident

Qualifications & Experience

Degree in Finance, Banking, or related area

Masters or professional qualification is an added advantage.

At least five years’ experience in the Retail Banking environment and knowledge of Retail loans and Microlending

Knowledge working with sales agents’ teams – with commission payment structures

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