The primary mission is to clearly identify and develop the respective Retail sub segments, Mass Market & Affluent one, for providing packages with products or services that would add value to our clients according to their needs and requirements and as defined by the overall Bank strategy.
Development of the Bank business objectives through specific Retail segments in terms of: Qualitative and quantitative increase of Loan Portfolio; Increase of time deposit balances and improvement of the time deposit structure; Overall business expansion through other retail products and services, also, ensuring the optimize of revenues from each segment providing efficient solutions for both, the Bank and the customer.
To clearly divide the customer base into groups with similar characteristics in order to provide value and sales offers which are effective and unique Performing market research aligned with retail segments needs and requirements for identifying possible gaps for improvement Monitoring of specific clients needs within the segment and provide with the most suitable value offer proposition, facilitating cross-sell opportunities Identify and create sub-segments on top of the strategic main ones, which are better suited as sales targets Proposal and implementation of packages per specific customer segment in order to increase profitability by moving up the segmentation ladder Propose potential improvements in the service levels, differentiated between each segment Perform Profit/Loss optimization analyses and for each segment Performance monitoring and review of results and activities, package terms and features, fees and commissions related with performance and profitability. Collection and evaluation of the feedback in order for Packages Implementation and /or redesignation of the processes related with system functionalities. Promotion and support of the products to Sales Force in terms of information, trainings, products terms and take action where necessary Work in close cooperation and be aligned with the Network and Retail Product Development Department
Required experience Minimum 3-5 years of experience in Tirana Bank or in the Banking sector, preferably in similar positions in the Business field Required education Bachelors Degree in Economics or Business related fields. A Masters Degree will be an additional asset.
Required competences / skills Fluent knowledge of English language in written and spoken. Strong analytical skills with creative and flexible thinking Strong sales skills and customer orientation Flexibility, team spirit and ability to work under pressure and meet deadlines Excellent communication and negotiation skills, strong presentation skills, be a fast learner and able to adopt quickly to a new and dynamic environment Very good knowledge of Microsoft Office programs. Applications should be sent to HR Department; hr@tiranabank.al, until 15 July, 2014.