Housing Finance Bank
We are looking for a Manager Personal Banking; Manager Home Loans and a Treasury Sales Officer. Do you fit the bill?
Housing Finance Bank is the leading provider of housing finance solutions with a vision to be the preferred consumer and business bank with a focus on housing finance. To attain its strategic objectives efficiently and effectively, Housing Finance Bank is seeking to hire qualified, versatile, and self-driven individuals for the positions stated below;
Job Title: Manager Personal Banking (1)
Department: Mortgage & Consumer Banking Reports To: Head Mortgage & Consumer Banking Grade: HFB 7A
Direct Reports: Direct
• Manager Home Loans
• Manager Diaspora & High Net worth • Manager Workplace Banking
• Manager Sales Coordination Indirect
• Personal Bankers
• Customer Service Supervisors
Interacts/interfaces with:
Internal – Branch Teams, Credit Teams, EXCO, HR External – Key Customers, Key partnerships
Job Purpose
To develop and implement strategies for acquisition, growth and retention of customers within the Bank’s Personal Banking segment. The role holder will proactively lead the Personal Banking team and have full accountability to drive sustainable business growth and maximize profitability of the segment in line with the Bank’s strategic plan, credit policies and procedures.
Key Result Areas
1. Drive initiatives aimed at achieving business targets in line with the Bank strategy for personal banking segment across the various bank distribution channels
2. Continuously review and innovate to ensure that the Bank’s Personal Banking solutions are in line with changing customer needs and deliver a consistent customer value proposition.
3. Structure and review Personal and Mortgage scheme proposals, negotiate terms with Employers and recommend for approval to the relevant committees.
4. Proactively lead customer relationship management in the segment to enhance customer experience, drive value and increase share of wallet.
5. Manage the performance and development of staff in the section in line with the set key result areas (KRAs) outlined in their respective performance contracts.
6. Mentor and develop a team of highly motivated personal bankers within the branch network accountable for exceeding customer satisfaction, relationship building, and operational performance targets for overall growth of the personal banking segment.
7. Initiate and recommend product development and procedure refinement ideas to meet the dynamic needs of the market and improve turnaround time in consultation with the Head of department.
8. Effectively represent the Department, on secondment, to key Bank committees like the Management Credit Committee, Product and innovation committee as may be required from time to time
9. Managing Operational and Credit Risk by ensuring that personal banking lending are within the stipulated bank lending policy
10. Ensuring that customer loans are properly and timely dealt with to arrive at a rapid credit decision and satisfy customer expectations.
11. Closely monitoring the personal banking loan portfolio and ensuring that delinquency levels meet the projected targets, and ensuring they remain at an acceptable level to minimize credit losses.
12. Ensuring efficient processing of the facilities under the Mortgage and Personal loans schemes and timely submission of monthly reports
13. Supporting personal banking sales strategy for Liability and asset products to targeted consumers and retention of existing ones.
Financial Responsibility
with accountability for developing marketing plans to improve home loans service and generate high sales volume. He/she will oversee activities such as the concept design, research activities, and sales goals of the home loans products & service.
In this position, the product manager will work with individuals from across the personal banking services to identify and define target market segments, market requirements, key business strategies and the competitive environment for HFB’s niche portfolio.
13. Support Onboarding and Treasury Support teams as needed
14. Track sales activities and timelines to ensure that the deliverables within onboarding project plans are met and are on-time
15. Establish a daily Treasury newsletter which summarizes the daily market activities and indicative movement of market variables, prices, interest rates and inflation.
Financial Responsibility
1. Accountable for the growth of Treasury dealing customers and, 2. Growth of Treasury income
Person Specifications
Education & Training
1. A Bachelor’s degree in a business related course 2. ACI certification
3. A Sales qualification is an added advantage.
Skills & Experience
1. A thorough understanding of treasury products
2. A sales and relationship management background 3. Good foreign currency trading skills
4. Good money market and securities trading skills 5. A clear understanding of financial markets
Business Behaviours
1. Good negotiation skills
2. Good analytical skills
3. Relationship management skills
4. A high level of integrity
5. Proficiency in computer knowledge 6. Excellent numeric skills
Responsible for personal banking financial targets as will be agreed, from time to time, using different parameters especially on customer numbers, Liabilities, Assets and revenue growth.
Responsible for controlling costs to within agreed budget.
Person Specifications
Education & Training
1. An honours degree in business or any other related field from a recognized university.
2. Possession of a Certified banking qualification or master’s degree in a relevant field would be an added advantage.
3. Relevant Practical training in banking product management.
Skills & Experience
1. A minimum of 10years’ experience in a Banking, of which 3 must be in a managerial role.
2. This position requires a highly self-directed with independent judgment individual who is passionate about the fields of community development and banking.
3. Must have critical thinking, analytical, attention to detail and problem-solving skills.
4. Must have an in-depth understanding about personal banking product features, pricing, benefits, positioning, design and promotions.
5. Highly organized and self-directed.
6. Excellent communication and interpersonal skills.
7. Proven ability to demonstrate and coach exceptional customer
service.
Business Behaviours
1. Good leadership skills
2. The ability to communicate clearly both verbally and in written
form in a professional manner is deemed essential.
3. Customer centricity and a good understanding of the mortgage
process and housing sector
4. Excellent planning and organization and interpersonal skills 5. Problem solving, analytical and report writing skills
6. High level of integrity
7. Business development skills and negotiation skills
Job Title: Manager Home Loans (1)
Department: Mortgage & Consumer Banking Reports To: Manager Personal Banking Grade: HFB 7B
Direct Reports:
Direct – Relationship Managers Home Loans
Indirect – None Interacts/interfaces with:
Internal – Personal Banking Team, Branch Personal Bankers, Credit Teams
External – Key Customers
Job Purpose
1. The role holder will be a product manager for home loans
onboarding and exceptional client experience
Key Result Areas
1. In coordination with the personal banking unit, He/she will
be responsible for managing the existing product portfolio in areas of product’s risk, sales, training, reporting, incentive, and marketing and for alignment to the bank’s strategy and vision/ mission.
2. Monitor market trends and information collected by the Bank to identify potential areas for the development of new financial products, and the restructuring of existing products.
3. Stay on top of market trends, product positioning, successes and competition and recommend appropriate actions for HFB’s niche based on analysis.
4. Provide regular feedback on product requirements for local markets, including product specifications functionality, pricing, and translation needs.
5. Prepare and execute product launches and report on expectations of market size, market uptake, market share and expected budgeted sales.
6. Define product promotion and positioning for defined segments.
7. Apply broad base of knowledge pertaining to community development, banking, neighbourhood revitalization, and under-banked markets to think critically and recommend potential routes of action.
8. Produce financial analyses, projections, and pro-forma based on these proposed solutions.
9. Use statistical methods and applications to analyse customer applications and make concrete recommendations regarding underwriting guidelines and product design at the Bank.
10. Analyse, support both category, and cluster marketing plans to align with brand strategy and achieve annual operating plan goals.
11. Define customer segmentation and target groups.
12. Assess customer needs and requirements for defined segments and target
13. Adhere to current compliance and service standards of performance.
14. Perform any other duties as assigned.
Financial Responsibility
1. Responsible for the Home lending financial targets as will be agreed, from time to time, using different parameters esp. on customer numbers, Liabilities, Assets and revenue growth.
2. Responsible for controlling costs to within agreed budget.
Person Specifications
Education & Training
1. A degree in banking, Commerce, Business Administration, Economics, Statistics, management or any relevant field.
2. Possession of a Certified banking qualification or master’s 2. degree in a relevant field would be an added advantage.
3. Relevant Practical training in banking product management.
Skills & Experience
4. A minimum of 7 years’ experience in a Banking, of which 2 must be in a supervisory role.
5. This position requires a highly self-directed with independent judgment individual who is passionate about the fields of community development and banking.
6. Must have critical thinking, analytical, attention to detail and problem-solving skills.
7. Must have an in-depth understanding about banking product features, pricing, benefits, positioning, design and promotions.
8. Highly organized and self-directed.
9. Excellent communication and interpersonal skills.
10. Proven ability to demonstrate and coach exceptional customer service.
Business Behaviours
1. The ability to communicate clearly both verbally and in written form in a professional manner is deemed essential.
2. Ability to build functioning working relationships across organizational and cultural boundaries.
3. Ability to demonstrate positive image and role model HFB’s values and leadership behaviours.
3. Must be a person of impeccable integrity.
Job Title: Treasury Sales Officer (1)
Department: Treasury
Reports To: Manager Treasury Sales Grade: HFB 5A
Direct Reports: None Interacts/interfaces with:
Internal – Treasury Operations, Treasury/Finance Team, Relationship Managers in BIB & MCB, Branch Teams
External – Bank Customers
Job Purpose
The Treasury Sales Officer is responsible for effectively selling the Bank’s depository and treasury management services to existing and prospective clients, either in conjunction with Relationship Managers or on an individual basis, achieving deposit and fee income goals and solidifying customer retention
Key Result Areas
1. Grow Treasury Product Revenue through direct sales
2. Utilize networking, community, and public relations activities to
identify prospective Treasury Management client opportunities
3. Perform product research and identify appropriate solutions for
customer requirements and satisfaction
4. Coordinate with assigned Lending Officers to support and
develop relationships with business clients and partners
5. Manage client calls and contacts and meet all assigned goals
6. Understand client business goals, environments, strategies, and
industry trends to become a trusted advisor and to identify
solutions for customer pain points
7. Understand our competitors’ environment, capabilities, and
gaps to effectively position HFB Treasury Services for success
8. Prepare sales analysis report and sales proposals for client
presentations
9. Participate on client calls with Relationship Managers/Officers
and analyze client Treasury services requirements
10. Perform risk monitoring for Treasury products and services and
initiate credit and risk approvals
11. Assist Treasury clients with product training and product
demonstrations as needed
12. Manage work of assigned Treasury Sales Officer(s) for efficient
Interested candidates should submit their applications with a recent CV, copies of all academic transcripts, certificates and testimonials, daytime telephone contact, postal and email address and three competent referees not later than Monday, 13th November 2023 by 5:00pm to:
Chief Human Resources Officer Housing Finance Bank Investment House
4 Wampewo Avenue, Kololo
Please take note that all applications should be sent by email to
Recruitment@housingfinance.co.ug.
DO NOT HAND DELIVER YOUR APPLICATION.
Please note that ONLY shortlisted candidates will be contacted and any form of canvassing will lead to automatic disqualification.
Guidelines for submitting Documents
Ensure that all your documents are scanned and submitted in 1 single batch using the following order:
• Application letter
• Curriculum Vitae (CV)
• Academic Documents and Certificates
The maximum document size is 10 MB
One should have been in their current position for at least two years and above
Please indicate the name of the position you are applying for in the subject.
Housing Finance Bank is regulated by Bank of Uganda. Customer deposits are protected by the Deposits Protection Fund up to UGX 10 million, Terms and Conditions apply.