Head of SME Division (SAVP to SVP)

Job Description

Title: Head of SME Division (SAVP to SVP)

Company Name: SHIMANTO BANK PLC

Vacancy: --

Age: At most 45 years

Job Location: Dhaka

Salary: Negotiable

Experience:

• 10 to 12 years

• Bachelor of Business Administration (BBA)Minimum Bachelor’s degree in any discipline (preferably in Business) from a reputed university

• Candidates with 3rd division/class in any academic examination are discouraged from applying

• Educational requirements may be relaxed for highly experienced candidates with a proven track record in SME banking.

• 10 to 12 years

• Age At most 45 years

• Professional training in SME banking and credit risk management is preferred.

• Strong knowledge of banking regulations and SME banking guidelines.Proven track record in credit management, risk mitigation and loan recovery.

• Extensive network within the SME sector.

• Deep understanding of commercial banking products, client management, compliance, and operations.

• Ability to lead independently, make informed decisions, and manage stakeholders effectively.

• Strategic thinking with expertise in transaction banking and business development.Excellent communication and interpersonal

Business Growth & Strategy:

• Lead the CMSME Banking Division and coordinate with branches to expand the CMSME client base.

• Drive branch and Head office SME business teams (Advance, Trade Finance, Deposit) to achieve sustainable growth and acquire new customers.

• Develop and implement a strategic sales approach that caters to the commercial banking needs of CMSME customers.

Portfolio & Risk Management:

• Ensure proper utilization of credit facilities in CMSME accounts while maintaining high asset quality.

• Monitor poor-performing SME loans and implement strategies for regularization, restructuring, or recovery.

• Conduct periodic reviews of CMSME facilities to assess risk exposure and business viability.

Client Relationship & Business Development:

• Identify and explore cross-selling opportunities across banking products.

• Engage in direct customer visits to understand business operations, investment potential, and creditworthiness.

• Strengthen relationships with SME clients through proactive engagement and customized financial solutions. 

• Regulatory Compliance & Policy Implementation:

• Ensure adherence to Bangladesh Bank guidelines, internal policies, and regulatory requirements for SME banking.

• Implement policies, circulars, and guidelines issued by Bangladesh Bank for SME banking.

• Maintain accurate and timely reporting related to SME business activities.

Collaboration & Leadership:

• Coordinate with other divisions and branches to ensure seamless business operations.

• Provide strategic leadership and mentorship to the SME banking team.

• Negotiable

• Other benefits are as per Bank`s Human Resources Policy