Head of SME Business Job Umba
Finance Jobs, Umba Jobs.
Job Summary:
To drive SME business growth through client acquisition, lending expansion, deposit mobilisation, and strong team leadership, while maintaining portfolio quality and profitability.
Responsibilities:
SME Client Acquisition & Lending Growth
- Drive acquisition and onboarding of SME and MSME clients.
- Deliver SME and MSME lending disbursement targets.
- Build and manage a strong pipeline and improve conversion rates.
Portfolio Productivity & Revenue Optimisation
- Manage average loan size and yield to ensure profitability.
- Drive utilisation of approved credit limits.
- Ensure sustainable and quality growth of the SME loan book.
Deposits Mobilisation & Liability Growth
- Deliver net deposit growth targets across SME customers.
- Increase proportion of low-cost deposits (CASA).
- Optimise cost of funds on SME deposits.
- Drive fee income from SME transactional banking activities.
Portfolio Quality & Risk Management
- Maintain portfolio quality within acceptable thresholds.
- Ensure early identification and resolution of arrears.
- Uphold strong credit underwriting, monitoring, and reporting standards.
- Ensure compliance with internal policies and regulatory requirements.
Market Intelligence & Business Strategy
- Monitor SME market trends, customer needs, and competitor activity.
- Provide input into product development and commercial strategy.
Sales Leadership & Team Management
- Lead SME sales teams to achieve aggregated targets.
- Drive staff productivity (business per staff).
- Conduct performance management, coaching, and development.
- Maintain acceptable attrition levels and succession planning.
Qualifications & Experience
- Bachelor’s degree in Business, Finance, Economics, or a related field
- Master’s degree is an added advantage
- Minimum 7–10 years’ experience in SME banking or business development
- Proven track record in lending, sales, and portfolio management
- Experience managing and leading sales teams
Skills & Competencies
- Strong sales and negotiation skills
- Leadership and team management capability
- Commercial and financial acumen
- Credit and risk understanding
- Relationship management and networking ability
- Strategic thinking and execution
- Results-driven with strong performance orientation
How to Apply
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