Company: Ecobank
Job Description
Sales and Marketing – 40%
– Put in place annually, an approved target market document with complete information on customer segmentation, target names, products, services, revenues and profitability.
– Deliver set targets for deposits, risk assets, transactions and revenues and the effective management of customers
– Target assigned customer segments within allocated time and call frequency to generate profitable sales
– Ensure proper booking of all transactions customers including Deposits, loans, revenues and costs and reconcile with financial control
– Continually seek new opportunities to market new opportunities to market services and bring in new customers by thoroughly understanding the marketing and economic environment.
– Maximum NPL of 3% of portfolio and 1% of portfolio revenues
– Track and maintain allocated performance records including sales tracker, deposits, risk assets, provisions, incomes costs and all relevant performance indicators on a daily, weekly, monthly, quarterly and annual basis including reconciliation with financial control
Job Summary
- Employer: Ecobank
- Job Type: Full-time
- Location: Mangochi, Malawi
- Category: Sales
- Closing Date: 2026-10-13
Key Responsibilities
- Put in place annually, an approved target market document with complete information on customer segmentation, target names, products, services, revenues and profitability.
- Deliver set targets for deposits, risk assets, transactions and revenues and the effective management of customers
- Target assigned customer segments within allocated time and call frequency to generate profitable sales
- Ensure proper booking of all transactions customers including Deposits, loans, revenues and costs and reconcile with financial control
- Continually seek new opportunities to market new opportunities to market services and bring in new customers by thoroughly understanding the marketing and economic environment.
- Maximum NPL of 3% of portfolio and 1% of portfolio revenues
- Track and maintain allocated performance records including sales tracker, deposits, risk assets, provisions, incomes costs and all relevant performance indicators on a daily, weekly, monthly, quarterly and annual basis including reconciliation with financial control
- Deliver agreed customer and product sales, wallet share and profitability targets
- Create and monitor customer sales program
- Achieve a minimum of 5 products per customer
- Responsible for keeping self and supervisor up to date on competitor data and feedback provided for product and service changes or development
- Achieve a minimum customer satisfaction rating of “very satisfied”
- Deliver appropriate product solutions and services to customers in order to deliver at least 75% of customer’s wallet
- Perform all other duties as reasonably assignedPerform all other duties as reasonably assigned
- Develop internal relationships to support the successful servicing of the customers and the delivery of sales target
- Build a strong local profile for self and bank through positive involvement in community activities
- Own customer complaints and resolution process in portfolio and collect all past due obligations
- Advice/update customers on all tariffs, policies, procedure and any other changes to products or accounts
- Ensure proper authorisation and contact customers with regard to confirmation limits and any other account management issues
- Ensure all credit transactions and credit files in portfolio comply with the spirit and the letter of all applicable laws, regulations and institutional policies
- Ensure compliance with other operations risk e.g. KYC and Anti-Money Laundering measures plus any other group controls.
- Ensure all credit lines are current and all credit transactions are duly approved per policy within acceptable turn around times
- Constantly monitor credit portfolio to ensure a maxmum of 3% NPL and 1% of revenue.
- Cooperate within set expense budget on a customer by customer basis
- Administration and Team work – 10%
- Follow up on all pending transactions and ensure completion
- Maintain customer files and profiles
- Submit the following in a timely manner; daily planner, call memos, sales plans, forecasts, expense refunds etc.
- Provide feedback on performance of service providers
- Provide feedback to various sections on the performance of staff e.g. IT, Operations etc.
- Provide cover for other account managers or sales officers when necessary
- Provide honest feedback on performance of colleagues
- Share knowledge and best practice with team members
- Perform all other duties as reasonably assigned
Requirements
- At least five years’ experience
- Sales experience in a financial environment
- Good interpersonal skills
- Planning and organising skills
- Relationship building and networking skills
How to Apply
About the Company
Ecobank, whose official name is Ecobank Transnational Inc. (ETI), is a pan-African banking conglomerate, with banking operations in 33 African countries. It is the leading independent regional banking group in West Africa and Central Africa, serving wholesale and retail customers. It also maintains subsidiaries in Eastern and Southern Africa. ETI has an affiliate in France, and representative offices in China, Dubai, South Africa, and the United Kingdom.
Frequently Asked Questions
What qualifications do I need to become an Account Relationship Manager at a bank like Ecobank in Malawi?
Most banks in Malawi require a Bachelor's degree in Business Administration, Finance, Marketing, or a related field from a recognized institution like UNIMA or Mzuzu University. Professional certifications such as ACCA, CIMA, or banking diplomas from the Institute of Bankers in Malawi strengthen your application significantly.
What are the typical day-to-day responsibilities of an Account Relationship Manager?
You will spend considerable time visiting corporate and high-net-worth clients across Lilongwe, Blantyre, and other commercial centers to understand their banking needs. Daily tasks include preparing credit proposals, managing existing loan portfolios, cross-selling banking products, and resolving client complaints promptly to maintain strong relationships.
How does the work culture and employer expectations differ for this sales role in Malawi?
Malawian banking culture emphasizes relationship-building over aggressive selling, so employers expect patience, cultural sensitivity, and fluency in English plus Chichewa for client interactions. You must demonstrate reliability, as personal reputation and trustworthiness heavily influence client retention in Malawi's close-knit business community.
What career progression opportunities exist for Account Relationship Managers in Malawi's banking sector?
Strong performers typically advance to Senior Relationship Manager, Branch Manager, or Head of Corporate Banking within five to seven years. Some transition to specialized roles in credit analysis, treasury, or regional management positions covering multiple branches or neighboring countries within the Ecobank network.
What benefits should I expect when working as an Account Relationship Manager at a major bank in Malawi?
Standard packages usually include medical aid coverage through providers like MASM or Liberty Life, pension contributions to NBS Bank or Old Mutual schemes, and annual leave of approximately 20-25 days. Many banks also provide performance-based bonuses, fuel allowances for client visits, and subsidized staff loans at preferential rates.
How do I apply for this role, and what do Malawian employers specifically look for during recruitment?
Monitor job portals like MyJobo, LinkedIn, and newspaper advertisements in The Nation or Daily Times, then submit tailored applications highlighting measurable sales achievements and local client networks. Employers prioritize candidates with proven track records in B2B sales, existing relationships with Malawian businesses, and clean credit histories verified through the Credit Reference Bureau.