CAREERS

DEPARTMENT: BUSINESS DEPARTMENT

REPORTS TO: HEAD BUSINESS

JOB PURPOSE

Execute and monitor the implementation of the bank’s consumer banking strategy in relation to the growth and quality of the Consumer Loans portfolio, as well as direct and supervise Relationship Officers to drive growth in line with the set targets.

Responsibilities

1. Provide strategic and tactical direction to the Bank’s Consumer Banking segment to drive growth in the segment in line with the bank’s business strategy.
2. Drive client acquisition and management of existing consumer client relationships consistent with the Bank’s strategy in order to achieve the desired quality of business growth.
3. Provide a relationship-based offering to salaried customers through a proactive, highly personal approach to meeting the financial needs and service expectations of all clients in the segment.
4. Proactively manage the consumer banking portfolio to maximize the bank’s revenue in terms of Non-funded income and net interest income.
5. Manage and minimize segment costs by maintaining a low cost-to-income ratio
6. Acquire new customers in terms of loans and deposits as per the criteria outlined in the segment value proposition and reflected in the segment strategy and targets.
7. Continuously review and innovate to ensure that the Bank’s customer value proposition(s) for the Consumer Banking Segment is in line with the changing banking landscape and customer needs
8. Maintain continuous compliance with the policies, procedures, prevailing practices, and regulations pertaining to Consumer Banking and general banking guidelines promulgated by the regulators.
9. Proactively lead customer relationship management in the segment to enhance customer experience, drive value, and increase wallet share.
10. Work with other business segment heads to ensure that wallet share from existing customers is optimised through offering a varied range of products and solutions.
11. Monitor the consumer portfolio's growth and quality performance, identify problem accounts that may require early action to mitigate default, and submit periodic portfolio reports to the head of Business.
12. Review the business and market environment on a regular basis to ensure that the segment’s products remain competitive and develop/recommend changes to the existing products in accordance with the bank’s objectives and industry best practices.
13. Drive a strong performance culture through an inspiring and balanced performance management discipline.
14. Deliver effective people management processes, including performance management, talent management, succession planning, training, and staff career development and succession planning.
15. Proactively manage credit risk in order to deliver a high-performing quality portfolio within the segment.
16. Assign business and revenue targets to the segment ROs based on market analysis and business potential, monitor their performance, and provide necessary support to ensure they deliver on agreed targets.
17. Champion the Bank digitisation strategy within the segment.
18. Comply with AML/CFT/CPF policies and procedures, non -compliance of which shall be addressed as per the bank disciplinary processes.
19. Any other duty as shall be assigned to you from time to time.

Person Specification (Education, training, skills and experience)
Qualifications
• Bachelor’s degree in Finance, Commerce, Business Administration, Economics, Statistics, Management, or any relevant field.
• Possession of a certified banking qualification or master's degree in a relevant field would be an added advantage.

Experience
• 6 years’ experience in Business Banking with 3 years in a supervisory role
• Excellent networking skills, with the ability to build rapport and consultatively engage with employees, managers, etc.
• A versatile individual with significant headroom and experience in various facets of management
• Excellent knowledge of general banking practices and procedures.
• Seasoned knowledge of branch operations.
• Strong knowledge of banking operations and consumer banking.
• In-depth understanding of credit and financial drivers in the financial services industry.
• Relevant knowledge in driving digital banking.
Competencies & Knowledge
• Proficiency in drafting professional correspondence, reports, and proposals.
• Ability to demonstrate a positive image and uphold Bank values.
• Leadership and Change Management skills
• Strong Analytical Skills
• Stakeholder and Relationship Management skills
• Effective oral and written communication skills.
• Team player
• Proficiency in English Language and any other local language preferably Luganda particularly for explanatory purposes to Bank customers who do not understand the English Language.

HOW TO APPLY

If you meet the above requirements, please submit your application online by sending a cover letter, a detailed CV, and copies of relevant academic and professional certificates to the following email address: recruitment@trobank.com

 Application Deadline: 12 November, 2025

NOTE: Tropical Bank Ltd is an equal opportunity employer. All applicants wil be considered for employment without attention to race, color, religion, sex, national origin or disability status Recruitment is strictly based on ment Offering, soliciting, or accepting any form of undue advantage during the recruitment process will result in automatic disqualification.

In accordance with the Uganda Data Protection and Privacy Act, 2019, Tropical Bank Ltd is committed to protecting the privacy and confidentiality of personal data collected during the recruitment process. By submitting your application, you consent to the collection, use, and processing of your personal information solely for recruitment and employment purposes, and in compliance with applicable date protection laws. Your information will not be shared with unauthorized third parties and will be retained only as long as necessary for the stated purposes.

Only shortlisted candidates will be contacted.

DEPARTMENT: BUSINESS DEPARTMENT

REPORTS TO: HEAD BUSINESS

MAIN PURPOSE OF THE JOB

Drive the growth of Trade Finance income (funded and non-funded) across the network. This job requires collaboration with different teams including branches to mobilize customers who are in trade business (internally or cross boarder).

Responsibilities

• To cultivate any new business opportunities and bring in revenue for the Bank as per the set target.
• To maintain and develop business relationship with existing and prospective customers.
• To monitor designated accounts portfolio for managing the overall credit risks.
• Provide coaching for subordinates through on job training.
• To oversee the Trade Finance operation and drive growth and revenue.
• Identify training needs, provide feedback & coaching to ensure maximum potential is achieved.
• Develop business opportunities and monitor business activities in line with the Bank’s long-term strategic and annual business plans and ensure that the Bank remains competitive and promptly reacts to changing market conditions and customer needs.
• Implement a focused relationship management system, which increases the Bank’s ability to increase the flow of business and generate deposits, lending, and revenues from existing and new customers in line with the enterprise strategy.
• Adhere to the appropriate controls and monitoring mechanisms for the development of a high-quality asset book by fully complying with the Bank’s Credit Policy, Bank of Uganda guidelines and appropriate legal provisions with respect to lending and Trade & Working Capital Solutions Products.
Strategic Marketing:
• Practice strategic marketing by focusing on how to develop competitive advantage into the changing marketplace and leveraging on the banks distinctive capabilities to drive value.
• Enhance value creation by creating, communicating, delivering, and offering solutions that have value for customers, shareholders, and partners.
• Develop innovative solutions that will be delivered through branches and electronic channels that respond to market needs or identified gaps in the market.
• Jointly with other commercial teams including branches, carry out customer marketing events that are aimed at enhancing bank’s wallet share.
• Capacity Building through trainings on Trade & Working Capital Solutions Products
Strategic customer experience:
• Lead & drive high levels of customer engagement
• Build a base of promoters by enhancing positive customer experience and advocacy to drive competitive advantage, leading to faster organic growth and lower cost.
• Create a differentiated customer experience design, tailored to target customer needs and optimize customer interactions with the brand, offerings, and touch points to consistently deliver and make continuous improvements to the design.
• Periodically review existing products based on customer feedback and market trends to ensure continuous product utilization- Drive customer-led propositions.
• Promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.
• Ensure agreed service level agreement (SLA) is maintained at all levels.
Control:
• Handle all requests for short term excesses in liaison with Credit Risk unit and ensure proper authorization is obtained.
• Working together with the Branch Credit Manager/Branch Manager to ensure daily banking and operational services are delivered to the trade clients to the Bank’s satisfaction.
• Daily monitoring of account operations of all trade borrowers
• Check covenants and other conditions at least monthly to ensure full compliance.
• Ensure compliance with terms & conditions laid down by the Approver and Offer Letter.
• Maintain client registers/databases for ease of keeping contact.
• Undertake renewals &/or reviews of outstanding loans before 90 days of expiry.
Others:
Responsible for driving the set targets/budgets for the Trade Finance unit.
 Maintain database of Corporate and Trade Clients.
 Prepare performance reports.
 Originate quality loans to meet individual targets.
 Submit periodic reports of all loans approved/disbursed, to ExCom.

HOW TO APPLY

If you meet the above requirements, please submit your application online by sending a cover letter, a detailed CV, and copies of relevant academic and professional certificates to the following email address: recruitment@trobank.com

 Application Deadline: 12 November, 2025

 NOTE: Tropical Bank Ltd is an equal opportunity employer. All applicants wil be considered for employment without attention to race, color, religion, sex, national origin or disability status Recruitment is strictly based on ment Offering, soliciting, or accepting any form of undue advantage during the recruitment process will result in automatic disqualification.

In accordance with the Uganda Data Protection and Privacy Act, 2019, Tropical Bank Ltd is committed to protecting the privacy and confidentiality of personal data collected during the recruitment process. By submitting your application, you consent to the collection, use, and processing of your personal information solely for recruitment and employment purposes, and in compliance with applicable date protection laws. Your information will not be shared with unauthorized third parties and will be retained only as long as necessary for the stated purposes.

Only shortlisted candidates will be contacted.