Responsible for driving loan sales growth and expanding market reach within the Consumer Lending market through multiple distribution channels. The role bridges product development, sales execution and distribution channel management to maximize consumer loan uptake while maintaining quality standards and risk controls.

Responsibilities or duties

• Ensure Business Profitability through Gross Sales, Loan book Growth, Interest Income targets and Loan quality
• Manage the entire sales vertical to ensure optimum growth and profitability.
• Cost Control across the business unit on sales and acquisition
• Set overall sales acquisition strategy with Head Consumer Lending.
• Analyse data provided by analysts to take decisions to maximise long term profitability.
• Plan future growth of the business and explore opportunities for cross selling of the bank’s products.
• Provide feedback regarding the consumer lending market micro and macro developments.
• Build sales capacity across the Zambian market to provide services for all Bank Customers.
• Collaborate in setting sales targets that will contribute to achieving the country consumer lending targets and the bank’s performance targets.
• Comply with the bank’s policies, regulations and rules. Ensure all sales activities comply with relevant regulation (e.g., BFSA, CCPC, Cybersecurity, Data Protection).
• Conduct regular audits of processes to mitigate risks associated with fraud or operational failures.
• Stay updated on regulatory changes affecting the Consumer Lending landscape.
• Coordinate with other company functions in achieving the Bank’s overall strategy
• Providing accurate and regular reports to Head of Consumer Lending and the Group Head of Consumer Lending regarding the sales and net growth performance of the civil service lending business
• Manage the process of recruiting and supervising DSA’s, Loan Officers and Team leaders at the country level, and strengthening the daily sales strategies for the sales team.
• Support collection strategies at the branch to minimize debts and maintain a healthy loan portfolio.
• Conduct product presentations to public and private sector employees.
• Establish and maintain relationships with industry players; Ministries, District Councils, and Clients;
• Implement and reinforce the DSAs, Loan Officers and team leaders’ daily, weekly and monthly sales targets at country level;
• Management of average delivery time of processes to ensure compliance with disbursement objectives.
• Support in addressing any issues related to customer service, complaints, feedback, clarifications, issuing balances and quotations.
• Build and Consolidate the FCB brand and image.
• Embed a performance-oriented culture within Consumer Lending Sales team
• Undertake a process of constant training of Loan officers, team leaders, DSA’s and other sales staff in the Consumer Lending Business
• Create an environment that fosters growth to maximize staff responsibility, participation and contribution to the Banks overall objectives.
• Conduct periodical team strategy sessions with the Head-Consumer Lending to ensure that all staff are aligned with the overall Bank strategy.
• Conduct periodical check-ins and performance management reviews.

Qualifications or requirements (e.g., education, skills)

• Bachelor’s degree with at least five (05) years’ experience in related fields with at least three (03) years’ experience in the Banking Industry.
• Must have a clear understanding of current Banking Rules and Regulations
• In-depth understanding of Lending policies and frameworks.
• Detailed knowledge of the Banking and Financial Services Act and other regulations governing commercial bank lending activities.

Experience needed

At least five (05) years’ experience in related fields with at least three (03) years’ experience in the Banking Industry.

• Ensure Business Profitability through Gross Sales, Loan book Growth, Interest Income targets and Loan quality
• Manage the entire sales vertical to ensure optimum growth and profitability.
• Cost Control across the business unit on sales and acquisition
• Set overall sales acquisition strategy with Head Consumer Lending.
• Analyse data provided by analysts to take decisions to maximise long term profitability.
• Plan future growth of the business and explore opportunities for cross selling of the bank’s products.
• Provide feedback regarding the consumer lending market micro and macro developments.
• Build sales capacity across the Zambian market to provide services for all Bank Customers.
• Collaborate in setting sales targets that will contribute to achieving the country consumer lending targets and the bank’s performance targets.
• Comply with the bank’s policies, regulations and rules. Ensure all sales activities comply with relevant regulation (e.g., BFSA, CCPC, Cybersecurity, Data Protection).
• Conduct regular audits of processes to mitigate risks associated with fraud or operational failures.
• Stay updated on regulatory changes affecting the Consumer Lending landscape.
• Coordinate with other company functions in achieving the Bank’s overall strategy
• Providing accurate and regular reports to Head of Consumer Lending and the Group Head of Consumer Lending regarding the sales and net growth performance of the civil service lending business
• Manage the process of recruiting and supervising DSA’s, Loan Officers and Team leaders at the country level, and strengthening the daily sales strategies for the sales team.
• Support collection strategies at the branch to minimize debts and maintain a healthy loan portfolio.
• Conduct product presentations to public and private sector employees.
• Establish and maintain relationships with industry players; Ministries, District Councils, and Clients;
• Implement and reinforce the DSAs, Loan Officers and team leaders’ daily, weekly and monthly sales targets at country level;
• Management of average delivery time of processes to ensure compliance with disbursement objectives.
• Support in addressing any issues related to customer service, complaints, feedback, clarifications, issuing balances and quotations.
• Build and Consolidate the FCB brand and image.
• Embed a performance-oriented culture within Consumer Lending Sales team
• Undertake a process of constant training of Loan officers, team leaders, DSA’s and other sales staff in the Consumer Lending Business
• Create an environment that fosters growth to maximize staff responsibility, participation and contribution to the Banks overall objectives.
• Conduct periodical team strategy sessions with the Head-Consumer Lending to ensure that all staff are aligned with the overall Bank strategy.
• Conduct periodical check-ins and performance management reviews.

• Clear understanding of current Banking Rules and Regulations
• In-depth understanding of Lending policies and frameworks.
• Detailed knowledge of the Banking and Financial Services Act and other regulations governing commercial bank lending activities.

• Bachelor’s degree
• At least five (05) years’ experience in related fields
• At least three (03) years’ experience in the Banking Industry.
• Must have a clear understanding of current Banking Rules and Regulations
• In-depth understanding of Lending policies and frameworks.
• Detailed knowledge of the Banking and Financial Services Act and other regulations governing commercial bank lending activities.