Relationship Officer- Deposit Mobilization

4 days ago

Nairobi, Nairobi Area, Kenya Umba Full time 900,000 - 1,200,000 per year
About Umba

Umba is a pan-African digital bank serving customers in both Kenya and Nigeria. Our mission entails providing accessible and cost-effective financial services across Africa, enabling our customers to take charge of their financial well-being. We are committed to seizing a unique opportunity to transform the financial landscape in Africa by harnessing the power of machine learning to develop intelligent, affordable financial products tailored for emerging markets. Our machine learning models are continuously improving, and we leverage AI and automation to deliver banking solutions at the lowest possible cost to our expanding customer base.
Umba is headquartered in Nairobi Kenya. Our primary focus is to offer a comprehensive range of digital banking products through Android, iOS and Web Apps, and we take pride in our culture of consistently surpassing customer expectations, which has fueled our rapid expansion.
Umba acquired a deposit taking microfinance bank in Kenya in 2023, which has now been named Umba Microfinance Bank. The bank has achieved fast growth since launch with average monthly growth rate of 19% and 6x revenue growth in 2024.

Job Summary
To mobilize deposits in line with the bank's liabilities growth strategy by acquiring and maintaining customer relationships, targeting retail and institutional clients, and ensuring high levels of client satisfaction, loyalty, and retention.

Responsibilities
1. Deposit Mobilization
  • Proactively identify and acquire new deposit clients to achieve the monthly target in new deposits.
  • Promote long-term deposit products to ensure stability in the bank's funding base.
  • Cross-sell relevant bank products to existing and potential deposit clients.
2. Client Relationship Management
  • Build and manage a portfolio of deposit clients, ensuring regular engagement, satisfaction, and retention.
  • Monitor client accounts to ensure activity and escalate dormant or at-risk relationships.
  • Respond promptly to client inquiries and complaints, ensuring timely resolution and communication.
3. Portfolio Reporting and Performance Tracking
  • Maintain updated records of all leads, prospects, and clients using CRM tools or internal systems.
  • Provide timely and accurate reports to the Relationship Manager on pipeline performance, client feedback, and deposit trends.
  • Track achievement of personal and team targets and proactively initiate corrective actions where needed.
4. Market Intelligence
  • Gather and report feedback from clients and market trends affecting deposit mobilization.
  • Monitor competitor activities and provide insights for strategic response.
5. Compliance and Operational Excellence
  • Ensure adherence to all regulatory and internal compliance requirements, including KYC, AML, and documentation protocols.
  • Liaise with internal teams to ensure proper account setup and smooth onboarding
Qualifications & Experience
  • Bachelor's degree in Business, Finance, Marketing, or a related field.
  • At least 2 years' experience in sales, relationship management, or deposit mobilization in the banking or financial services sector.
  • Demonstrated success in meeting financial or sales targets.

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