Saham Bank is driven by a predominantly cooperative culture, where people, trust and teamwork are central to daily operations. Proximity management encourages support, accountability and long-term collaboration across teams. This human-centered approach is reinforced by a strong organizational foundation, ensuring process efficiency, compliance and operational reliability. A controlled performance mindset and a moderate openness to innovation further support the bank’s balanced and sustainable development. [+]

You will be in charge of a portfolio of business clients in good risk and profitability conditions.

Your main tasks:
• Enhance and develop its portfolio in consultation with the Business Relationship Manager (BCE) and the Business Center Director (DCAF) to ensure objectives are met
• Ensure quality monitoring of operations in its portfolio on a daily basis
• Process client requests and complaints
As such:
On the commercial side
• Ensure responsibility for achieving commercial objectives and developing the net banking income (PNB) of its portfolio
• Develop and enhance its portfolio in terms of equipment, deposits, and commitments within the framework of the action plan developed in consultation with the BCE and DCAF
• Guarantee the quality of daily customer relations
• Ensure proper monitoring and processing of customer complaints in its portfolio
On the risk side
• Monitor events received for compensation on a daily basis
• Work with the BCE to recalibrate credit lines to reduce the frequency of ad hoc requests
• Leverage proximity to the client to monitor alert reports and commercial recovery management reports
• In consultation with the BCE, ensure the recovery of outstanding debts in its portfolio, identify regularization solutions with the client, and manage their follow-up.
• Ensure control of the portfolio's CNR (Net Banking Income Ratio)
On the operational side
• Ensure compliance with the rules related to its activity and the operations it handles, in terms of financial security (KYC, AML/CFT), regulatory non-compliance risks, reputational risk, or social responsibility
• Ensure control of operational risks
• Ensure regular updates of the client file.
• Take charge of executing action plans to regularize detected anomalies and identified non-compliance risks.
 

Profile sought:
Job skills:
• Sales skills
• Good knowledge of the bank's products
• Good financial culture
Behavioral skills:
• Good interpersonal skills
• Enjoy challenges
• Commitment
• Sense of sharing and cooperation
• Training prerequisite: Master's degree holder
• Preferably: with initial experience.