Job Title: Head, Agricultural Banking
Job ID: 10006
Locations: Nigeria
Company: Stanbic IBTC Bank Plc (a subsidiary of Standard Bank Group)
Sector: Banking and Finance
Main purpose of the job:
•To articulate and co-ordinate the delivery of the agricultural segment strategy and value proposition within Stanbic IBTC, through the provision of a specialist agricultural business support service on customer growth, retention and segment profitability.
Required Skills and Qualifications
Problem Solving:
•Is required to think within overall Business Banking and Agricultural Segment strategies to negotiate direction and objectives for agricultural business
•There is an ongoing requirement to scan the environment, to think laterally and generate feasible and innovative business solutions for the future that take into account the many complex and diverse variables inherent in the Agricultural Segment.
•Understands the interdependencies between industry knowledge, pricing and taxation, to determine feasible operating strategies and tactics to maximize profit and minimize loss. Problem solving demonstrates the holistic analysis, interpretation and modeling required to produce workable solutions.
•There is on going requirement to scan the environment, create scenarios, to think laterally and to generate feasible and innovative business plans for the future (medium to long term) taking into account the many complex and diverse variables inherent in the Agricultural industry.
Decision making
•Under the general management direction of Stanbic IBTC PBB, the incumbent is able to make decisions regarding the 'what' and 'how' of the tactical Agricultural business growth strategy. The incumbent has prime accountability to monitor and manage the successful execution of these plans in collaboration with countries.
Key responsibilities
Agricultural Business Customer Strategy:
•Set the short, medium and long term startegic objectives for building agricultural banking business.
•Develop innovtive ways to develop the small scale farmer business.
•Oversee project managemnnet and successful implementation of agricultural segment proposition.
•Continously evaluate relevance and effectiveness of the segmentation and value propositions.
Development, implementation and monitoring of Agricultural Business:
•Ensure suitable organisational structure to deliver agricultural value proposition.
•Provide input into product, channel and marketing strategies, design and development to ensure alignment with agricultural segment strategies.
•Take ownership of all Agricultural Banking Segment projects and initiatives and ensure effective project management and completion within agreed timelines and budgets including managing all stakeholders on which the projects are dependent.
•Providing guidance on promoting, selling and structuring a wide and diverse range of financial solutions customised to best meet the financial needs of high value agricultural customers.
•Work with and build relationships with the Agricultural teams in Stanbic Africa and SBSA to ensure appropirtae levels of alignment.
•Co-ordinate the development of suitable Agricultural Segment reporting and then monitor perfomance and take actions where necessary.
•Provide input into formulating, driving, measuring and managing the implementation of sales performance budgets and strategies to grow agricultural market share and share of wallet in the country.
o Preparing financial budgets/ forecasts for the agricultural market segment in line with strategic objectives, business, economic, operational, climactic, socio-political risks and market forces.
o Report on segment performance and issues on at least a monthly basis.
•Conduct segment audits, identify and analyse deficiencies and underperforming areas and develop solutions that will close the gaps and optimise return.
•Develop and sustain international relationships, identify trends, benchmarks and best practises in Agricultural banking and take the lead in this regard.
Lending and Risk Management:
•Facilitating a sound working partnership with Credit to stimulate growth without compromising risk and the quality of lending.
•Supporting the AE's in structiing/customising credit loan facility options and parameters for credit approval.
•Supporting credit in managing and controlling total agricultural industry and client exposure.
People Management:
•Ongoing guidance, coaching, training and mentoring (product prices, yields per hectare, valuation of land, cash-flows, complexity of agriculture etc)
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