Job Title:                   Relationship Manager – Consumer & Premier Banking (Ghana)

Industry:                    Banking

Location:                     Ghana

Salary:                       Competitive Salary + Other Benefits

Role Overview

An established international financial institution is seeking an experienced Relationship Manager to support the growth and management of its Consumer & Premier Banking portfolio in Ghana.

The successful candidate will be responsible for managing relationships with High Net Worth Individuals (HNWIs) and selected business clients, driving portfolio growth, enhancing customer experience, and ensuring compliance with regulatory and internal governance standards.

The role requires a commercially driven banking professional with strong relationship management capability, customer engagement skills, and a solid understanding of financial crime compliance obligations.

Key Responsibilities

• Manage and grow a portfolio of High Net Worth Individuals and selected business banking relationships.
• Develop new business opportunities and deepen existing client relationships.
• Serve as the primary point of contact for designated clients.
• Ensure regular engagement and proactive communication with clients.
• Support growth initiatives across consumer and premier banking segments.
• Ensure customer information and KYC documentation remain current and compliant.
• Coordinate effectively with internal operational and support teams to deliver seamless service.
• Drive increased wallet share, revenue generation, and customer retention.
• Identify opportunities for cross-selling and product penetration.
• Support onboarding, account maintenance, and customer servicing activities.
• Monitor service delivery standards and ensure high levels of customer satisfaction.
• Assist in resolving client issues, service requests, and operational escalations.
• Support fraud management processes and customer protection initiatives.
• Ensure all customer relationships comply with AML, KYC, and financial crime requirements.
• Prepare periodic portfolio reviews, relationship plans, and business activity reports.
• Generate referrals and expand networks within target market segments.
• Contribute to broader departmental and organisational objectives as required.

Key Performance Indicators

• Achievement of portfolio revenue and growth targets
• Customer satisfaction and relationship retention levels
• Compliance with KYC/AML and regulatory requirements
• Portfolio profitability and business expansion
• Service turnaround efficiency
• Quality and timeliness of portfolio reporting
• New client acquisition and prospecting effectiveness

Stakeholder Engagement

The role involves close collaboration with:

• Senior management and internal business teams
• Treasury and Operations teams
• Risk and Compliance functions
• Client onboarding and transaction monitoring teams
• Customer service units
• Retail, affluent, and business banking clients
• Regional and international stakeholders

Candidate Profile

Skills & Competencies

• Strong interpersonal and relationship management skills
• Excellent communication and stakeholder engagement capability
• Strong customer service orientation
• Commercial awareness and business development capability
• Ability to engage confidently with senior executives and affluent clients
• Strong analytical and problem-solving skills
• Ability to work independently and collaboratively within diverse teams
• Strong organisational and reporting skills

Knowledge & Experience

• Good understanding of retail and affluent banking operations
• Knowledge of AML/KYC and financial crime compliance requirements
• Understanding of customer risk management practices
• Awareness of market trends and customer behaviour within banking
• Previous experience managing customer-facing banking relationships
• Experience working within a regulated financial services environment

Qualifications

• Bachelor’s degree or equivalent professional qualification
• Relevant banking or financial services experience
• Postgraduate qualification or professional certification would be advantageous

Technical Skills

• Proficiency in Microsoft Office applications including Excel, Word, Outlook, and PowerPoint
• Familiarity with core banking systems and digital banking platforms preferred