Multiple Jobs

Position Overview

Zanaco Bank Plc is inviting applications from suitably qualified and experienced individuals for the following job aimed at contributing to the Bank's strategic vision

1. Cash Management Senior Specialist

Role Description

JOB PURPOSE

Responsible for supporting the implementation and driving the Bank’s cash management sales strategy and ensuring that the set annual cash management sales targets are realized

Requirements

Under the supervision of the the following are among the :

· Implementing and driving the Bank’s cash management sales strategy

· Driving revenue through the acquisition of new customers as well as through cross selling and up-selling opportunities.

· Coordinating delivery of services to the Bank’s customers through alliance partners.

· Serving as subject matter expert for the sales teams especially Relationship Managers and branch staff, concerning all cash management products.

· Interacting directly with the customers and other areas within the Bank that are associated with the customer including internal stakeholders in support of the cash management sales strategy.

· Participating in the measurement of profitability of the cash management products.

· Providing input in campaigns and activities run by the marketing department to increase cash management product utilization and profitability

· Providing input for market research, monitor competitors and analyze customer needs (co-operation with marketing in case of market research).

· Participating in managing the credit and operational risk of the cash management sales strategy

· Establishing and actively monitoring service level agreements with service providers and alliance partners.

· Ensuring availability to all stakeholder groups in accordance with service level agreements.

· Any other responsibilities as maybe assigned by management

INTERNAL/EXTERNAL CONTACT

· Existing / prospective customers

· Internal stakeholders

· Officials of regulatory bodies e.g. BOZ– for compliance and market information.

QUALIFICATIONS/EXPERIENCE

· Grade 12 Credit or above mandatory in Mathematics and English and any other three subjects.

• University degree in a Business-related Field or professional qualification from a recognized university.

· At least Six (6) years relevant experience preferably in a financial environment with exposure to Corporate and Investment Banking (CIB), and Commercial and Agri Business

· Exposure to corporate and investment banking customers: global corporate, government and public sector, large corporates, commodity traders and agribusiness.

Strong knowledge of bank products and channels

· Understanding product and channel market demands

Familiarity with international best practices and global trends in the sector.

Knowledge of legal and regulatory issues typical for country banking system

JOB CORE COMPETENCIES

• Results Driven
• Communicating with Impact
• Working in teams
• Building Relationships
• Being Pro – Active
• Resilience

· Analytical thinking

· Team work

· Customer service orientation

· Conceptual thinking

· Negotiation Skills

2. Vehicle Asset And Finance Senior Specialist - Copperbelt

Role Description

JOB PURPOSE

Responsible for driving asset growth by achieving new business production targets. The incumbent develops and manages a sales team, procures new business and retains existing business to achieve set financial targets. The incumbent oversees and monitors sales staff and ensures profitability by achieving agreed return on economic capital, non-interest revenue and new business targets. The incumbent builds and maintains profitable relationships with customers market share and delivering product cross sell and maintaining a robust risk control environment.

Requirements

Under the supervision of the Head VAF the following are among the Job Key Responsibilities:

· Formulates strategies for the growth of new business.

· Drive business performance through implementation of effective calling programmes for vehicle and asset finance in conjunction with Commercial, CIB, Retail and digital segments in order to maximise face to face customer interface.

· Identifies new customers through suppliers who are looking for new business, people who are seeking financial support and through the marketing network.

· Sets operational plan for sales team on identifying new customers.

· Develops operational efficiency and quality standards in line with the business's targeted financial performance.

· Demonstrates cost consciousness and awareness of personal contribution to costs.

· Increases knowledge and understanding of financial processes and adheres to required operating standards

· Acquires new business to grow the asset book and increases market share with regards to asset-based finance.

· Achieves agreed value-added product targets, e.g insurance and tracker.

· Maximises opportunities to generate additional income.

· Proactively manages categorised accounts to minimise risk of loss arising from non-performing accounts, thereby improving profitability of portfolio

· Provides creative financial solutions that add value to the customer.

· Identifies how the business will measure itself compared to its competitors

· Ensures customer retention by building and maintaining relationships with dealers and customers. Ensures calling patterns of Marketers are maintained and provides support as required.

· Oversees the resolution of customer complaints and resolves escalated complaints.

· Manages customer expectations through clear and accurate communication.

· Remains abreast of changes in industry.

· Provides specialist advice and support to internal and external stakeholders.

· Spearheads marketing initiatives of the department to enhance brand awareness and visibility

· Ensures ongoing stakeholder management.

· Identifies innovative ways to enhance sales within area and increase profit margins.

· Manages the implementation of solutions and ideas in support of the business area/branch's innovation drive to increase revenue.

· Prepares and delivers reports on initiatives in support of innovation and creativity to line manager.

· Analyses customer financing needs.

· Initiates quality credit applications as well as review credit applications prepared by subordinate sales staff.

· Actively involved in structuring and championing large ticket transactions at forums like MCC, and Board

· Effectively engages with credit to ensure win-win solutions for the Bank and customers

· Manages the resolution of facility issues from operational areas to ensure customer satisfaction.

· Ensures the solution offered to the customer optimises all parties’ requirements.

· Coordinates marketing, sales and support services to ensure portfolio performance and growth through retention

· Investigates innovative ways to optimise processes

· Contributes to the alignment of business processes to customer service.

· Ensures that quality standards are adhered to.

· Contributes to team success by ensuring team commitment and cohesion.

· Shares information and knowledge to achieve team goals.

· Monitor sales performance by proactively highlighting areas that require improvement and constructively recommend solutions

· Identifies training / development needs and pro-actively selects effective solutions to address own and staff development gaps.

· Manages the performance contracting and review processes within agreed timelines for each team member.

· Participates in Talent Management practices in line with HR policies and procedures.

· Ensures effective conflict resolution and responds to any complaints or concerns timeously.

· Overall performance and consequence management for direct reports

· Any other responsibilities or tasks as assigned by management.

INTERNAL/EXTERNAL CONTACT

· Existing / prospective customers

· Internal stakeholders

· Officials of regulatory bodies e.g. BOZ– for compliance and market information.

QUALIFICATIONS/EXPERIENCE

· Grade 12 Credit or above mandatory in Mathematics and English and any other three subjects.

· Bachelor’s Degree in Business Administration, Commerce, Finance, Business Marketing, Economics or Business Management

· Minimum of Six (6) years in a related role particularly in a corporate sales environment.

· Working knowledge of financial products and services.

· Demonstrated selling, negotiation and communication skills.

· Demonstrates sound knowledge of PowerPoint and presentation skills.

JOB CORE COMPETENCIES

• Stakeholder management
• Business Strategy Alignment
• Financial Management
• Interpretation of strategy across business units

3. Implementation Specialist

Role Description

Job Purpose: Responsible for the co-ordination, monitoring, evaluation and support of the implementation process of electronic products and services in Transactional Banking. The role holder will ensure consistency with bank strategy, commitment and goals as well as offer technical product support and training to internal and external customers.

Job Responsibilities:

· Creating, establishing and managing business as usual project plans for deployment of new Transaction Banking services or products

· Manage turnover of product/service sales and support staff upon successful implementation of product/service

· Creating material for training both internal and external end users (Processes, SOPs, Work Instructions, Process Flows)

· Offer post implementation technical support of products/services

· Working in collaboration with internal and external staff in the implementation of electronic product/service projects

· Managing, supporting, and helping internal and external customers in their daily banking needs and problems in relation to technical support, product knowledge and information support

· Monitoring and measuring implemented products/services uptake, utilization, performance and revenue

· To organize and analyze audit data and summarize audit findings for review.

· Coordinate the resolution of audit findings, Governance and Control issues within Transactional Banking

· Convert complex business processes into understandable and easy-to-manage processes and decision points

· Creatively analyze and adapt functional requirements into alignment with any budgetary constraints and emerging technologies

Any other responsibilities or tasks as maybe assigned by management.

Requirements

Qualifications & Experience:

· Full Grade 12 Certificate with 5 Credits including English & Mathematics.

· Bachelor’s Degree in Business, Information Technology or Banking.

· At least 3 - 5 years of experience in banking/commercial experience.

Job Core Competencies:

· Good knowledge of banking systems and processes used by the bank and customers

· Familiarity with international best practices and global trends in the cash management sector

· Technical knowledge in business finance tools, products and methodologies an added advantage

· Knowledge of legal and regulatory issues typical for country banking systems and Knowledge and analytical skills, ability to understand main aspects of a financial institution’s operations an added advantage

· Strong knowledge of Bank products and channels an added advantage

· Communication and presentation skills.

· Analytical skills

· Research skills

· Decision Making and Problem Solving

· Drive for results

· Customer Service Orientation

· Attention to detail

Teamwork

4. Service Coordinator - Luanshya

Role Description

JOB PURPOSE

This position ensures the role holder to effectively manage processes, controls, resources and all operational activities of the branch including security and physical infrastructure of the building in line with Bank policy and Strategy.

Requirements

Under the supervision of the Branch Manager the following are among the Job Key Responsibilities:

· To ensure actioning of customer instructions (salaries, backing sheets, address amendments, standing orders, stopped cheques, RTGS/ TTs etc.) is within SLA.

· To timely authorize transactions and verify signatures for system transactions and customer instructions brought in e.g. in-house cheques in Sybrin queues etc.

· Monitor workflow on the system to ensure transactions pending, Assigned, Unassigned are cleared to facilitate the running of EODM successfully. Clear all assigned and pending transactions in work flow before 17: 00 hours daily according to the time the transaction was assigned.

· To ensure mandate management is happening with customers and up to date information maintained (end to end KYC management)

· To ensure sampling on call over of Teller vouchers and subsequent filing is happening as per guidelines.

· To ensure call over of ALL GL vouchers as well as the other vouchers is happening daily as per Bank procedure.

· To conduct and review snap check findings, audit findings, and risk events and ensure all findings are closed within agreed timelines.

· To raise incident reports in the branch and ensure they are conclusively timely addressed and closed. Escalate if required.

· To own, manage and test the business continuity plan for the branch and raise any issues that may come up during periodic testing.

· Ensure that all members of staff comply with all policies and procedures required by the Bank including operational risk and control procedures such as KYC, anti-money laundering security of premises and that necessary controls are enforced and maintained.

· To manage maintenance aspects of the branch e.g. furniture, fixtures, premises or equipment in order to ensure branch ambiance requirements are maintained and that staff operate in a safe environment and escalate where need may be.

· To ensure that all branch systems are operational and report any failures to IT helpdesk for quick resolution.

· To ensure cash assets are properly secured, limits observed for both vault/ATM, reconciled daily, differences reported daily and that dual control is observed at all times

· Ensure that team members reconcile working stock of controlled stationary daily e.g cards.

· To ensure unpaid items are attended to within timelines to avoid items being rejected (Too Late For Acceptance) or accounts becoming overdrawn.

· Ensure that Branch Risk Control assessments are updated monthly and return provided to Risk/Compliance.

· To set and monitor Branch Service Standards using the 5 Non Negotiable in order to ensure the delivery of high service quality to customers.

· To attend to and resolve referrals on customer complaints or feedback timely and ensure the complaint handling process in the branch is adhered to.

· To drive closure of pain areas identified during NPS survey and ensure no recurrence.

· To monitor customer touch point standards and ensure working queue management strategies are in place.

· Improve customers’ banking experience with the bank by ensuring that the customers are attended to promptly and all their challenges are resolved without delay.

· To facilitate resolution of customer complaints and track the turnaround time of query resolution for queries relating to the back-office function and the number of queries outstanding at the end of each day to ensure that the branch keeps the number of outstanding items to a minimum

· To conduct a query trend analysis, at least monthly, to determine the nature and cause of queries so that staff can be coached on how to prevent re-occurrence of queries where appropriate.

· Any other responsibilities assigned by management

INTERNAL/EXTERNAL CONTACT

• External: Customers, local public officers
• Internal: All Divisions

QUALIFICATIONS AND EXPERIENCE

· Grade 12 Credit or above mandatory in Mathematics and English and any other three subjects.

· Degree in Business/Marketing or relevant field

· At least four (4) years’ work experience in a sales & marketing role

· Understanding of taxation laws and practical experience in application.

· Appreciation of securitization and investment options.

· Ability to profile customers and assess the needs of Private banking clients.

· Understanding of all Zanaco Retail products and account opening, KYC Requirements.

· Understanding of relevant legislation e.g. KYC, Anti - Money laundering, Banking code.

· Ability to read market trends and inform the decision-making process.

· Understanding of people policies and processes

· Demonstrated complaint handling and skills certifications

JOB CORE COMPETENCIES

· Verbal and written communication

· Delighting customers and drive for results

· Networking/Liaison

· Persuading and selling

· Analytical thinking

· Team work

· Customer service orientation

· Problem solving

5. Senior Relationship Manager - Mid Corporates

Role Description

JOB PURPOSE

To grow and sustain a portfolio of Mid Corporate clients and building long-term relationships founded on efficient and reliable support for their business through quality Relationship Management; evidenced by quick turn around on solution delivery to clients, consistent acceptable Net Promotor Scores, and attainment of financial and non-financial objectives.

To deepen the wallet share of existing customer relationships as well as developing new relationships with a view of increasing revenue and market share and delivering product cross sell and maintaining a robust risk control environment.

Requirements

· Maximise revenue from the relationships across the portfolio by cross selling products and solutions that increase wallet share as well as track action points contained in call reports to their logical conclusion.

· Coordinate the sales efforts for liabilities and assets; extensively market low cost liabilities and identify suitable profitable assets for on - boarding.

· Originate, maintain and develop strategic relationships within the economy with specific emphasis on relationships designated for Mid Corporates.

· Manage the corporate loan book within parameters provided by Risk Management and in accordance with acceptable risk management practices as defined by the banks risk frameworks.

· Negotiate terms and conditions and prepare an accurate and detailed information pack for Corporate Credit, to prepare credit applications for new and renewal of loan facilities for Mid Corporate clients.

• Assist in the communication and implementation of any action necessary to improve service in respect of complaints/compliments received.

· Assist in Day-to-day coaching, mentoring and development of Corporate Service Managers and other CIB and non-CIB staff assigned to the Unit including but not limited to Graduate Trainees and Interns.

· Identify and implement marketing strategies and business opportunities development and implementation of network sales process to drive pipeline growth and deal execution.

· Collaborate with Transaction Banking staff to ensure proposals and tenders have product partner input and are submitted timely.

· To track implementation of solutions with product teams – Transaction Banking, Treasury, Scheme loans, Workplace Banking etc. - within the agreed turnaround time.

· Understand customer needs and provide them with products and services to achieve business objectives

· Provide support in structuring propositions to maximize business opportunities of an acceptable quality.

• Negotiate terms and conditions and prepare credit applications for new and renewal of loan facilities for corporate clients
• Present and defend credit applications in the Management Credit Committee sittings/meetings
• Establish and effective sales call cycle for key customers, partners and contacts and update the “deal pipeline”.
• Complete the wallet size for clients timely & appropriate file all client calls, client communications, internal memos, credit papers on the assigned portfolio.
• Timely initiate all credit processes (extensions, excesses full briefs, annual reviews)

· Cross Sell Trade, Treasury and transaction products and refer potential clients of the Bank for Commercial and Agric and Retail.

• Assist Head – Mid Corporates with product knowledge and market research

· Collate all action points raised in call reports, track and drive each action to its conclusion.

• Assist in the communication and implementation of any action necessary to improve service in respect of complaints/compliments received.

· Any other responsibilities or tasks as assigned by management.

INTERNAL/EXTERNAL CONTACT

· Existing / prospective customers

· Internal stakeholders

· Officials of regulatory bodies e.g. BOZ– for compliance and market information.

QUALIFICATIONS/EXPERIENCE

· Grade 12 Credit or above mandatory in Mathematics and English and any other three subjects.

• University degree in a Business-related Field or professional qualification from a recognized university.

· Minimum of Six (6) years in a related role particularly in a corporate sales environment.

· Working knowledge of financial products and services.

· Demonstrated selling, negotiation and communication skills.

· Demonstrates sound knowledge of PowerPoint and presentation skills.

JOB CORE COMPETENCIES

• Results Driven
• Communicating with Impact
• Working in teams
• Building Relationships
• Being Pro – Active
• Resilience

· Analytical thinking

· Team work

· Customer service orientation

· Conceptual thinking

· Negotiation Skills

6. Business Performance Management Head – Corporate Investment & Business Banking

Role Description

Job Purpose: To provide accurate comprehensive financial information and budgets to the business and wider stakeholders. To contribute to the Bank’s robust financial framework by drafting, reviewing, recommending budgets and being the key financial liaison contact for the Corporate and Investment Banking and Business Banking functions.

Job Responsibilities:

· To implement a financial framework for the Corporate Investment and Business Banking departments, including drafting financial reports and submitting them to the relevant stakeholders within specified time frames.

· To assess and study key financial information provided by the Management Information Systems (MIS) unit and draft financials for the Corporate and Business Banking departments.

· To prepare monthly Customer and Product level profitability reports.

· To prepare financial information and assist in the development of bank wide budgets in collaboration with other internal stakeholders.

· To attend strategic meetings with partners from all business departments to understand support requirements and recommend appropriate actions.

· To lead the digitalization of finance workflows; spearhead automation of processes to develop a data framework representing a single source of information across multiple use cases.

· To make recommendations to departments on key focus areas for cost management based on analysis of information and key trends observed.

· To provide data-based recommendations to the business on performance improvement actions and initiatives.

· To perform consistent reconciliation, monitoring and reporting financial information with completeness, accuracy and integrity for all departments and submit the information to be used in drafting of bank-wide annual budgets.

· To provide all required information to departments on matters of financial information on a monthly basis.

· To perform ad hoc projects related to financial information and other matters.

To carry out all other tasks as may be required by management.

Requirements

Qualifications & Experience:

· Full Grade 12 Certificate with 5 Credits including English & Mathematics.

· Bachelor’s Degree in Finance, ACCA or CIMA.

· ZICA Licence.

· 5+ years of progressive experience leading strategic Financial Planning & Analysis, multi-year budgeting cycles, and cross-functional business partnering to drive financial performance and operational efficiency.

Job Core Competencies:

· Financial knowledge

· Report writing

· Analytical thinking

· Microsoft Office skills

· Business insights

· Problem solving

· Written and verbal communication

· Attention to detail

· Organizational awareness

Knowledge management

Disclaimer

ONLY SHORTLISTED APPLICANTS WILL BE COMMUNICATED TO.

Zanaco provides equal opportunity in employment for all qualified persons and prohibits discrimination in employment (women are encouraged to apply).