Associate, Current Account, Cluster Head, Consumer Banking Group

Key Responsibilities

1. Cluster Business Ownership

·       Deliver new-to-bank current-account acquisition, account activation, average quarterly balance growth, transaction throughput and fee-income targets for the cluster.

·       Build and execute a catchment-led acquisition strategy for high-potential business segments such as wholesalers, distributors, manufacturers, traders, schools, hospitals, clinics, professional firms and service establishments.

·       Translate cluster targets into branch-, team- and individual-level productivity plans.

·       Own the current-account business plan, sales funnel, conversion pipeline and weekly performance rhythm.

·       Improve portfolio quality by prioritising transaction-active, balance-building and cross-sell-ready relationships over dormant or low-value acquisition.

2. Sales Leadership and Channel Execution

·       Lead, coach and motivate a field-sales organisation to consistently deliver acquisition and value-build targets.

·       Establish a disciplined sales cadence covering joint calls, market visits, lead reviews, branch huddles, pipeline reviews and conversion tracking.

·       Ensure each relationship manager follows a profile-based sales approach rather than a generic product pitch.

·       Develop market intelligence on competitor propositions, local business clusters, referral sources and emerging commercial hubs.

·       Build productive referral ecosystems with Chartered Accountants, trade associations, market intermediaries, merchant networks, developers, institutional administrators and existing clients.

3. Current-Account Activation and Value Build-Up

·       Ensure newly acquired accounts become transaction-active within defined activation timelines.

·       Drive operating balances, inward credits, collections, payment activity and digital banking adoption.

·       Track early-warning indicators including low funding, non-activation, declining balances, low transaction velocity and potential attrition.

·       Build strategies to migrate primary transaction flows—collections, vendor payments, payroll, taxes and operating cash—to the bank.

·       Improve account quality by monitoring average balance, debit transactions, credit transactions and account profitability.

4. Solution-Led Cross-Sell

·       Use the current account as the primary operating hub for business clients and identify the appropriate product solution based on the customer’s business model.

·       Drive adoption of corporate internet banking and mobile approvals; cash management and bulk payment solutions; POS, Android POS, QR and Soundbox; sweep-in / sweep-out or FFD structures; debit cards; collections and transaction banking solutions; and promoter, family, wealth and premium savings propositions.

·       Partner with product teams to convert business pain points into integrated propositions—for example, POS for collections, Internet Banking for payment controls, FFD for temporary balances and Aspire/premium banking for promoter wallet deepening.

5. Customer Relationship and Service Governance

·       Build senior-level relationships with anchor clients and participate in strategic joint calls for high-value prospects.

·       Ensure timely resolution of onboarding, account-opening, transaction, service and digital-banking issues.

·       Work with branches and operations teams to reduce turnaround time, improve onboarding quality and strengthen client experience.

·       Review top customers and at-risk accounts regularly to protect balances, transactions and wallet share.

·       Drive customer retention through proactive engagement, problem solving and relevant product deepening.

6. Risk, Compliance and Portfolio Quality

·       Ensure all sourcing, onboarding and account activation follows internal policies and applicable KYC, AML, fraud-risk and regulatory requirements.

·       Maintain high standards of customer due diligence, documentation quality, source-of-funds understanding and business-profile validation.

·       Monitor exceptions, unusual transaction behaviour, documentation gaps and operational risks; escalate promptly where needed.

·       Build a culture of right-first-time acquisition, with no compromise on compliance for target achievement.

7. People Leadership

·       Recruit, develop, retain and performance-manage a high-quality current-account sales team.

·       Set clear scorecards covering acquisition, activation, AQB/AMB, transaction activity, fee income, cross-sell, productivity, service quality and compliance.

·       Conduct structured coaching through joint market visits, call observations, weekly reviews and capability-building sessions.

·       Identify skill gaps and develop targeted interventions around sales planning, segment understanding, solution selling, digital banking and compliance.

·       Maintain a strong talent pipeline and manage attrition proactively.

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