Reference : AFS/BT/MLPCB
Position : Other
Deadline: 12/09/2019
Location : West Africa (Togo)
Industry : Banking/Finance/Insurance
Job Description / Role / Responsibilities :


To grow low cost deposits and maximise revenues for Commercial bank (especially derived from
deposits and commissions). Accountable for the achievement of performance targets of the
Liability Products through an effective cost management. Responsible for setting up the
Commercial Banking (CMB) Liability Products overall strategy and ensure disciplined execution
across the network.
To develop and manage Liability Products for Commercial Banking Group to drive revenue
growth and to ensure that clients are serviced in an effective and efficient manner.
To work with the coverage teams in coordinating effective marketing strategy for deposit
mobilisation efforts and initiatives
To ensure a strategic and coordinated product development & sales focus, servicing the CASA
product needs of both existing and new business clients as well as the reporting of all CASA
activities to relevant stakeholders.
To design and manage deposit gathering programs to drive liability growth


This position is responsible for strategy execution, business development, revenue generation,
efficiency improvement and overall business process management and leadership.
Business & Financial

Responsibility over the public sector business within CMB
working with Product house to deploy eGovernment solutions for CMB clients
Key objective is to primarily ensure a strong and sustained volumes of Non-Interest
Income, Low Costs Deposits mobilization, and ultimately to manage Public Sector
sales/revenue and profitability momentum
Prepare & deliver on budget planning process for the Unit and outline strategies for
achieving the budget
To deliver CMB CASA products to customers in the most efficient and cost-effective way
using appropriate technology, whilst closing product gap versus competitors.
Lead Liability Products and sales focus on payments & collections to expand the CMB
customer base and grow market share of Liability Products, generating a significantly
enhanced base of low-cost liabilities for the CMB.

Develop and execute an innovative product origination, implementation and delivery plan
that positions CMB’s payment & collection products in a leading stance in the
Develop innovative based CASA Products
Lead gap analysis and ensure a high cross-sell of CMB cash Products and Solutions.
Developing close and effective contacts with key clients.
Identify and evaluate potential revenue opportunities in existing and new markets
Develop and continually expand the target market of Liability Products, working actively
with CIB Cash, Account Managers and IT & Ops.
Ensure efficient and accurate product management financials, volume, trend and
variance analysis.
Actively update and monitor the deal pipeline for growth.
Ensuring effective cross sell with product partners and specialists in driving Liability
Products revenue.

Identify customer needs based on customer interaction and interface with Account
Drive customer service excellence Initiatives
Drive and sustain a customer-centric business culture, leveraging on people and
Ensure Implementation of all action plans from Customer perspectives

People Management & Development
Motivating and managing the Team to generate business for new accounts and develop
them to achieve consistent profitability through a clear process of target settings.
Supervise and direct the team to deliver value proposition, including platform, credit
&Liability Products
Encourage and foster a congenial working environment to enable the Team to achieve
through teamwork and operational efficiency.
Govern direct reports with account strategies and account problem resolution

Process, control and operational performance
Identification and marketing strategies/opportunities that will assist in the CMB sales
Run weekly & monthly sales process, account planning and pipeline reporting
Prepare reporting and financial returns as required with Finance partner
Conduct periodic strategy, surveys, collate and analyse results, draft and implement
action plans for sales
Provide overall Cash Business updates to the GE CMB and all stakeholders


Candidate profile :

Experience & Qualifications

  • At least 12 years sales and managing experience, preferably in CMB/ CIB/ with an experience in the Liability Products/CASA.
  • Ability to structure transactions.
  • Ability to interact and negotiate with the client organization at the global decisionmaking level;
  • Excellent verbal and written communication skills in relevant languages to the accounts assigned;
  • Ability to pull together various resources to sell and deliver customer solutions;
  • Results and Leadership driven;
  • Inclusive, flexible, internationally savvy and sensitive to client culture.
  • Bachelor’s/Master’s degree in Business Administration, Marketing or related field of study
  • Strategic mindset – decision making ability to consider both short term and long term objective
  • Additional information :

    Report to: Head, Trade, Value Chain & Liability Products, Commercial Bank