Head of SME Business

Job Description

Title: Head of SME Business

Company Name: Standard Islami Bank PLC.

Vacancy: --

Age: 30 to 50 years

Job Location: Anywhere in Bangladesh

Salary: Negotiable

Experience:

• At least 8 years
• The applicants should have experience in the following business area(s): Banks

• Masters
• Bachelor/Honors

• At least 8 years
• The applicants should have experience in the following business area(s): Banks

• Age 30 to 50 years

• No third class/division in any academic record

• Minimum of 08 years for EVP to SEVP of progressive experience in SME Business, with any reputed commercial bank focusing on Head of SME Business.

• Senior-level banking professional with a proven track record in Comprehensive SME Business management having deep functional Knowledge of SME Business and Product Development,

• Strategic Partnerships with SME Customers, Agricultural Business development.

• Strong analytical and quantitative capability with data interpretation skills.

• Proficiency in MS Office and SME Business strategy.

SME Business Development:

• Develop, enhance and modify CMSME products and services, supporting the Chief Business Officer (CBO) and working with other departments to integrate them into the Bank’s broader business.

• Drive branches and business units to acquire new SME customers and maintain strong relationships with existing ones.

• Follow up on proposals sent from branches for approval, review declined proposals and discuss with branches to arrange re-submission where required.

• Guide the preparation and execution of loan agreements and refinance schemes with Bangladesh Bank (BB), MFIs, NGOs and other development partners.

• Structure the SME loan portfolio through proper segmentation, in line with Bangladesh Bank circulars and guidelines.

• Maintain liaison with women-led organizations such as BWCCI and SMEF, and arrange training and workshops across the country to build the capacity of women entrepreneurs.

• Monitor non-performing SME loans and decide on strategies and plans for restructuring and recovery.

• Achieve the annual SME loan disbursement target set by Bangladesh Bank.

• Work closely with other divisions and branches, supervise report preparation, and visit SME clients to assess business viability.

• Arrange training and workshops for branch officials on SME products and services, and prepare the related training modules.

• Participate actively in fairs, workshops and seminars on SME and agriculture organized by various agencies and organizations.

• Maintain strong relationships with BB and SME Foundation to facilitate the collection of low-cost funds.

• Guide Sales Managers and DSTs in setting sales strategy, delegating and monitoring targets, and calculating target vs. achievement and incentives for eligible sales staff.

Agriculture Business Development

• Implement agricultural credit policies and programs of regulatory bodies to ensure timely, hassle-free flow of funds to the agricultural and rural economy.

• Formulate strategies to achieve agricultural financing goals, increase agricultural productivity and support national food security.

• Promote sustainable and inclusive agricultural and rural development through rural branches and MFI linkages.

• Expand the agricultural lending portfolio in line with market potential, risk appetite and regulatory requirements.

• Set business and disbursement targets for agriculture banking products, branches and business units, monitor achievement and take corrective measures where necessary.

Risk Management & Credit Analysis:

• Ensure prudent assessment, approval and monitoring of SME and agricultural credit proposals within delegated authority and approved credit policies.

• Establish risk assessment approaches that consider the seasonal, geographic and climate-related nature of agricultural lending.

• Monitor portfolio quality, overdue and classified loans, provisioning, recovery and concentration risks.

• Take proactive measures to minimize delinquency, default and credit losses.

Regulatory Compliance

• Ensure compliance with internal policies and procedures, and with Bangladesh Bank guidelines, CMSME, agricultural and rural credit policies and circulars.

• Ensure timely submission of regulatory returns.

• Maintain proper documentation, audit trails and internal controls for the SME and Agriculture portfolio.

Team Governance:

• Lead, motivate and develop a high-performing team, and coordinate with branches and divisions to grow the client base.

• Coordinate effectively with Credit, Risk Management, Finance, Treasury, Operations, Digital Banking, Compliance and Branch Banking.

• Maintain liaison with all relevant business units of the Bank.

• Provident fund,Mobile bill,Credit card,Gratuity
• Festival Bonus: 2

• Boishakhi Bonus

• Furniture Allowance