Posted: 2026-08-14 18:44:23  Deadline: August 15, 2026   Full-time   Salary: Confidential

HFCB Limited is inviting applications from qualified candidates for the position of Portfolio Enablement Manager. The successful candidate will drive personal banking portfolio growth, revenue optimization, and credit quality by serving as the primary commercial engine between sales teams, credit and risk, and portfolio operations.

Position Details

Position: Portfolio Enablement Manager.
Department: Retail.
Employer: HFCB Limited.
Reports To: Head of Personal Banking.

About the Role

The role holder will proactively manage deal pipelines, structure viable credit solutions, resolve early-stage arrears and NPLs, and identify untapped business opportunities within the existing book.

Key Accountabilities

Portfolio Optimization and Commercial Insights
Utilize standard retail data outputs to identify high-yield clients, revenue leakage, and top-tier client retention risks.
Standardize the smooth transfer of newly acquired clients from acquisition teams to relationship managers to support early product utilization.
Ensure operational friction is removed during loan application and portfolio servicing processes to improve overall customer satisfaction.
Track identified revenue initiatives implementation per portfolio and efficiency in portfolio management and in Mass market clients who are engaged through digital platforms.

Sales Enablement and RM Productivity
Track and enforce daily, weekly, and monthly RM and BBC activity metrics, translating targets into clear execution plans.
Design and launch proactive sales pushes targeting inactive, dormant, and underperforming client portfolios to reactivate yield.
Drive the frontline performance of the virtual and telesales Personal Banking team by providing qualified lead lists, sales scripts, and conversion targets.
Work directly with scheme teams to execute fast turnaround times on loan disbursements and targeted scheme activations.

Deal Structuring and Pipeline Acceleration
Actively manage and track the Personal Banking deal pipeline from origination through to drawdown, ensuring zero bottlenecks in credit approvals.
Partner directly with Relationship Managers and Branch Business Development Officers to structure complex or high-value borrowing proposals before submission to Credit Risk.
Serve as the main interface between front-office sales and back-office credit operations to fast-track approvals and improve conversion rates.
Drive Product Per Customer ratios by analysing client holdings and handing ready, actionable cross-sell lead lists directly to sales channels for immediate execution.

Portfolio Quality and NPL Remediation
Monitor daily watchlists and portfolio arrears to initiate immediate frontline recovery and cure actions before accounts deteriorate.
Collaborate with credit recovery, legal, and RM teams to structure workout plans, negotiate payment terms, and drive write-backs on Non-Performing Loans.
Proactively track loan impairments under IFRS 9 guidelines and execute frontline containment strategies to minimize portfolio provisioning costs.

Qualifications

Bachelor's degree in a business-related field.
Minimum 5 years of retail banking experience, with a proven track record in Relationship Management, Credit Structuring, Business Development, or Portfolio Management.
Hands-on experience in managing deal pipelines, structuring personal or retail credit facilities, and handling non-performing assets or recovery actions.
Demonstrated history of driving sales teams or telesales channels toward revenue targets.

Competencies

Advanced proficiency in MS Excel and PowerPoint for business tracking and presentation.
Thorough understanding of Prudential Guidelines, Lending Policies, and NPL Management framework.
Familiarity with Core Banking Systems for daily portfolio tracking and execution.

Application Process

Interested and qualified candidates should apply by August 15, 2026 through the application link below.

Apply Here: Portfolio Enablement Manager at HFCB Limited (Application Portal)