Relationship Manager, SME Banking

Duties and Responsibilities

• Spearhead the acquisition and management of SME segment deposits, with a particular focus on investment products, to drive growth and enhance market positioning.
• Develop and implement strategies to acquire new SME accounts while strategically growing existing accounts to meet the growth targets set by management.
• Achieve targets/KPIs primarily for Non-Individual Deposits, followed by Individual Deposits (CASATIA & Non-CASATIA).
• Conduct competitive analysis on offerings and services, providing management with insights into market trends and best practices.
• Formulate and execute a comprehensive business plan for Deposit Business, including acquiring new SME accounts and expanding the existing client base.
• Prepare and present detailed sales reports to the State Deposit Manager (SDM) and HQ Sales Team, ensuring alignment with broader business objectives.
• Cultivate and maintain strong relationships with key decision-makers and top management at client organizations, ensuring long-term loyalty and satisfaction.
• Monitor the performance of SME products and assess the effectiveness of sales and marketing strategies, including promotional programs and campaigns.
• Provide support to branches in addressing queries related to the SME deposit business, ensuring seamless operations.
• Address customer complaints and inquiries with a focus on maintaining strong relationships, prioritizing SME relationship management.
• Ensure strict adherence to internal policies, guidelines, and all relevant external regulatory requirements, maintaining the highest standards of compliance.
• Document meeting outcomes and action items by preparing detailed activity reports (call reports) after every customer interaction.
• Undertake any other duties or assignments as directed by superiors to meet evolving business needs.

Job Requirements:

• Proven Experience: Minimum of 5 years in deposit management, sales, or business development within the banking or financial services industry, with a strong focus on SME segment.
• Strong Sales and Business Acumen: Demonstrated ability to drive growth and achieve sales targets, with experience in acquiring new clients and managing existing relationships.
• In-Depth Knowledge of SME Banking: Extensive knowledge of SME banking products, services, and customer needs, including investment products and deposit solutions.
• Strategic Thinking: Ability to develop and execute business plans and sales strategies to meet long-term goals and objectives.
• Relationship Management Skills: Proven track record in building and maintaining relationships with senior decision-makers, top management, and key stakeholders.
• Market Insight: Strong understanding of market trends, competitor offerings, and regulatory changes impacting the SME banking sector.
• Analytical Skills: Ability to analyze market data, competitor services, and internal performance to inform decision-making and strategy development.
• Customer-Centric Mindset: Excellent interpersonal and communication skills, with a focus on customer satisfaction and effective resolution of inquiries and complaints.
• Leadership and Team Collaboration: Ability to collaborate with cross-functional teams and mentor junior staff to achieve team and departmental objectives.
• Regulatory Knowledge: Familiarity with regulatory requirements and industry best practices, ensuring compliance in all areas of responsibility.
• Results-Oriented: Strong drive to achieve and exceed targets, with a passion for delivering high-quality results.
• Excellent Communication Skills: Proficient in both written and spoken English and Bahasa Malaysia, with the ability to present information clearly and effectively to various stakeholders.
• Problem-Solving Abilities: Ability to think critically and resolve complex issues quickly, ensuring business continuity and customer satisfaction.
• Self-Driven: Highly motivated and independent, with the ability to work effectively under minimal supervision and deliver results