Department: Business Banking
Reports To: Team Leader – Business Banking

To grow and maintain a portfolio of clients within assigned market segment by contributing to business growth for the Bank through recommending or selling Business
Banking products and cross selling other Bank products and services so as to enhance value-add relationship with existing customers.
This in Business strong personal drive in prospecting and acquiring new customers, pursuing incremental business within the existing customer base, managing customer expectations to sustain the business relationship and providing business advice that will benefit the client.

Responsibilities
Business development

• Managing  and  retaining  existing  relationships  and  generating  new business in the assigned  market segments by  providing core banking products and services. This  will  include  increase  customer  base,  growth  in  balance  sheet  (assets/liabilities & contingent liabilities), growth in earnings, increased facility utilization and actively cross-selling bank products and services. (45%)

Relationship  management-

• Adequacy  of  personal  competence  to  effectively  perform Account Relationship Management tasks to ensure the customer relations are maintained well to reduce  complaints and also retain existing customers by management of customer expectations.
• Develop strategies for maintaining and further penetrating existing client base and execute the strategy through calls, visits, needs assessment, customer qualification  and follow-up meetings to maintain, enhance and expand customer relationships (20%)

Risk Management

• Consistency in adherence to and application of established policies, processes, and tools to achieve optimal efficiency, compliance and cost containment.
• Minimization of exposures to and impact of risks associated with client portfolio in line with Bank credit policies, CBK regulatory requirements, and KYC and AML policies. (20%)

Credit  Preparation

• Make financing proposals through the appropriate credit approval process by structuring proposals, analyzing financial statements, negotiating terms and conditions for facilities and managing administrative tasks including credit analysis and processing (10%)

General  administrative  duties

• To be the principal contact point for the new and assigned portfolio of Business Banking relationships and prospective customers to all other CBA units as customer  needs by responding promptly to customer issues, questions and concerns. (2.5%)

Reporting

• Prepare and maintain appropriate reports on client portfolio and per set operational guidelines.(2.5 %)

Competencies

• Proactive and dynamic Sales and marketing skills to prospect and close business and expand market share. Embody teamwork fostering  strong unit sales drives
• Strong Negotiation Skills to effectively negotiate and structure Business credits with average deal size of Kes 250m+ with minimal supervision
• Portfolio Management skills to manage portfolio comprising of assets of Kes 1.5B and Liabilities of Kes 2.5B
• Business Development to achieve business objectives with net growth in Asset volumes of Kes 750m+ per annum and liabilities Kes. 1B+ per annum
• Interpersonal skills to develop and maintain business networks and to effectively communicate with other stake holders who impact performance.
• Relationship management skills to effectively perform and coordinate Relationship activities/tasks in a manner that consistently  achieves high quality standards or  benchmarks and manage client relationship so as to ensure value add to the client and increase the Bank’s wallet share
• Strong commercial awareness.
• Understands and applies commercial and financial principles.
• Views issues in terms of costs, profits, risks, markets and added value.
• Good understanding of key Bank products to enable cross selling opportunities.
• Product development knowledge to recognize new product initiatives and product development areas
• Strong credit analysis skills
• Knowledge and effective application of all relevant banking policies, processes, procedures and guidelines to achieve required compliance standards or benchmarks.
• Self-empowerment to enable development of open communication, teamwork and trust that are needed to support performance and customer-service oriented culture.
• Broad knowledge of banking operations. Ability to segment the target market, gather market intelligence and identify opportunities
• Speaks clearly, fluently and in a compelling manner to both individuals and groups. Able to create rapport with others and develop effective communication and team   spirit with colleagues
• Writes in a clear and concise manner, using appropriate grammar, style and language for the reader
• Strong Planning and Organizing skills to effectively organize and schedule events and activities and resources. Sets up and monitors timescales and plans.
• Persuasion skills to influence convince or impress others in a way that results in acceptance, agreement or behavior change.
• Networking to establish mutually beneficial relationships with other business people and potential clients and customers
• Risk management: Appreciation and experience in recognitions and mitigation of risks

Qualifications

• University degree–Upper 2nd Class Honors or 3.0 GPA.
• 5 years’ experience in Banking or related financial institution with at least 3 being in a sales or sales support role.
• Relevant professional qualification in banking,  finance or marketing
• Practical experience in use of MS Office applications

Country: 372 views

Department: Enterprise Risk & Compliance
Reports To: Group Head Of Risk & Compliance

Working with the relevant Business Heads, ensure establishment of a business and operational compliance structure in line with best practice and regulators guidelines.
The job involves enterprise-wide coordination of identification and management of all compliance risks and will include propagating, monitoring and reporting on compliance with laws, regulations and internal policies, standards, guidelines and procedures.

Responsbilities

• Quality of the group policies and related policy standards and guidelines (10%)
• Staff awareness of regulatory requirements, policies and guidelines (10%)
• Compliance levels against established standards or benchmarks across the group (50%)
• Quality of reporting on compliance and disposal of issues. (10%)
• Quality of leadership experienced throughout the bank and group with regard to propagating and championing on regulatory and internal policies regular update and compliance. (10%)
• Adequacy of personal competence through continuous professional and technical education to effectively perform compliance tasks. (10%)

Competencies

• Leadership to nurture and sustain bank employees’ and other stakeholders’ commitment to high compliance levels and to manage required changes.
• Performance Management to optimize own and the unit’s productivity
• Technical skills to effectively perform and/or guide performance of compliance risk management and related activities/tasks in a manner that consistently achieves high quality standards or benchmarks.
• Interpersonal skills to effectively communicate with and manage customer expectations (internal and external), and other stakeholders who impact performance.
• Knowledge and experience in modern compliance risk management practices to initiate and implement tactical changes to support business performance.
• Knowledge and effective application of all relevant laws and regulations and bank policies, guidelines, processes and procedures and to consistently achieve required compliance standards or benchmarks.
• Self-empowerment to enable development of open communication, teamwork and trust needed to support performance and superior customer experience oriented culture.

Qualifications

• At least an undergraduate degree or its equivalent in Finance, Banking, Economics, Business Administration or law.
• Preferably a minimum of 5 years of relevant professional experience in banking/financial services industry, including at least 3 years in Compliance Risk Management related areas.
• Knowledge of regulatory compliance framework including related policies.
• Exposure to matters of Compliance Strategy and related Policy formulation.
• Good knowledge of the best industry practice and ability to adapt these practices to CBA environment.
• Good team player, with excellent communication and interpersonal skills.
• Competence in the use of standard software such as Word, Excel, Access and PowerPoint and proficiency in the use of spread sheets.

Country: 378 views

Department: Enterprise Risk & Compliance
Reports To: Financial Risk Manager

The role will support coordination and implementation of the Group’s market, liquidity and country risk management policies and processes.
The role will be required to support the identification and evaluation of market, liquidity and country risks.

Responsibilities

• Quality of the group policies and related policy standards and guidelines (10%)
• Staff awareness of regulatory requirements, policies and guidelines.(10%)
• Compliance levels against established standards or benchmarks across the group. (50%)
• Quality of reporting on compliance and disposal of issues. (10%)
• Quality of leadership experienced throughout the bank and group with regard to propagating and championing on regulatory and internal policies regular update and compliance. (10%)
• Adequacy of personal competence through continuous professional and technical education to effectively perform compliance tasks.(10%)

Competencies

• Leadership to nurture and sustain employee satisfaction, and to manage changes.
• Performance Management to optimize own and team's productivity
• Organization development to effectively structure the team for optimal performance
• Strong  financial  analytical  skills to  effectively  perform  and/or  guide  performance  of financial risk management activities/tasks in a manner that consistently achieves high quality standards or benchmarks.
• Interpersonal skills  to  effectively  communicate  with  and  manage  customer  expectations (internal and external), and other stakeholders who impact performance.
• Knowledge and experience in regulatory banking risk management guidelines and modern financial risk management practices and ability to initiate and implement tactical changes to support business performance.
• Knowledge and effective application of all relevant banking policies, processes, procedures and guidelines to consistently achieve required compliance standards or benchmarks.
• A thorough knowledge of Treasury products, and possess an extensive banking industry knowledge.
• Self-empowerment to enable development of open communication, teamwork and trust that are needed to support performance and customer-service oriented culture.

Qualifications

• At least an undergraduate degree or its equivalent in Mathematics, Finance, Banking, Economics, Business Administration (with a major in Finance) or similar quantitative disciplines.
• CPA (K)/ACCA qualification a must
• ACI Certification desirable.
• Post graduate qualifications such as CFA and MBA will be an added advantage.
• Exposure to Treasury Front Office/Back Office and General Ledger reporting systems
• Preferably a minimum of 6 years of relevant professional experience in banking and/or finance, including at least 3 years in Financial Markets/Product Control related areas.
• Experience with MS office and Treasury trading systems.

Country: 370 views

Responsibilities

• Growing the society’s revenue based through-Insurance brokerage fee and commissions among others
• Implementing strategies, policies and standards relating to insurance function in line with the Society objectives
• Promoting the function’s responsibilities focusing on developing Society plans objectives, strategies, policies, norms and procedures
• Administering Insurance policies including monitoring of claims and recoveries
• Providing advice on Insurance matters as required
• Keeping the Society abreast on emerging issues in the Insurance field
• Negotiating Insurance disputes with customers and other parties with a view of settling them out of court.
• Creating insurance awareness among the society’s clients.
• Facilitating settlements of Insurance claims through Insurance brokers
• Participating in the procurement of insurance service for the Society

Requirements

• Diploma  in  insurance from college of Insurance
• Bachelor degree in insurance or related courses from recognized institution will be an added advantage.
• Registered with the Chartered Institute of Insurance
• 2 years of professional experience in insurance underwriting and claims
• Between 28-40 years.

Knowledge And Skill

• Sound knowledge of the
• Insurance products and service and IRA regulations.
• Ability to build relationships, innovative, analytical thinking and customer orientation.
• Able to multitask and perform other roles in a financial institution.

Country: 399 views

Reporting to the CEO, will be responsible for developing, implementing and executing strategic marketing plans for the entire society (or lines of business and brands within the SACCO) in order to attract potential customers and retain existing ones.

Responsibilities

• Developing the marketing strategy for the society in line with our objectives.
• Coordinating marketing campaigns with sales activities.
• Managing all marketing activities for the society
• Overseeing the society’s marketing budget
• Creation and publication of all marketing materials in line with marketing plans.
• Planning and implementing promotional campaigns.
• Manage and improve lead generation campaigns, measuring results.
• Overall responsibility for brand management and corporate identity.
• Preparing online and print marketing campaigns
• Monitor and report on effectiveness of marketing campaigns.
• Creating a wide range of different marketing communications.
• Working closely with the senior management and assisting with the new product launches.
• Maintain effective internal communications to ensure that all relevant society functions are kept informed of marketing objectives.
• Analyzing potential strategic partner relationships for the society marketing.

Requirements

• University degree with a bias in marketing
• Professional diploma in marketing
• 5 years working experience in marketing in a busy institution preferably a financial institution
• Between 30-40 years.

Knowledge And Skills

• Excellent communication
• Ability to think relatively and innovatively
• Budget-management skill and proficiency
• Analytical skills to forecast and identify trends and challenges
• Familiarity with the latest trends, technologies and methodologies in marketing

Country: 413 views

Reporting to the Head – Customer Experience, the role holder will be responsible for assisting the head of customer service in driving the Bank’s Customer Experience Strategy for increased wallet share, repeat business and customer retention. The role holder will also be required to ensure continued improvement and implementation of customer experience and service policy at all levels as well as ensure that quality customer experience and service standards are maintained at all customer touch points within the bank.

The Role
Specifically, the successful jobholder will be required to:

• Support the head of customer experience in driving the banks customer experience strategy to support growth and efficiency across the business.
• Drive service excellence through team of customer experience partners and ensure delivery of outstanding services in branch network as well as head office and other support departments.
• Ensure adherence to quality customer service standards and the service policy at all customer touch points within the bank for both external and internal customers through training and monitoring of compliance to the same across the bank network.
• Ensure implementation of effective service delivery measures and tracking of SLAs across supported areas.
• Provide support to business in addressing and closing identified gaps and ensuring the same are adequately followed through and resolved.
• Champion service campaigns with the support of customer experience partners to enhance customer loyalty and embed service culture across the business.
• Share best practices, nuggets and other relevant material with the business to drive the right service behavior.
• Ensure active QMS monitoring in branch network for efficient service delivery to our customers
• Monitor and oversee adherence to interlinked business SLA’s for improved Customer Experience.
• Report to business and stakeholders regularly on Customer Experience performance including relevant updates for supported areas.

Skills
The successful candidate will be required to have the following skills and competencies:

• A Bachelor’s degree preferably in a business related field from a recognized University with at least 3 years progressive work experience in a similar role within a dynamic service organization.
• Assertive, well informed and knowledgeable on customer service matters and market trends.
• Demonstrable experience and competencies on implantation of customer experience strategies.
• Strong communication and presentation skills and excellent analytical and reporting skills.
• Good team leadership skills and must demonstrate agility in approach, decision making and innovation and problem-solving.
• The ability to handle pressure and difficult situations with resilience, calmly and effectively.
• Good knowledge of bank products, services and banking regulations and statutory requirements.

Country: 369 views

Reporting to the Head – Mortgage Finance, the role holder will be responsible for overseeing growth, penetration and quality initiatives of the mortgage finance products through analysis, benchmarking and service process improvement. The role holder will also be responsible for initiating and conducting market research and intelligence, doing product design & development and customer need analysis as well as launching of new products.

The Role
Specifically, the successful jobholder will be required to:

• Oversee the development and implementation of strategic initiatives for marketing and selling of mortgage finance products with a focus to grow business volumes, customer base and income.
• Spearhead the development of new mortgage finance products and solutions that are tailored to meet the ever changing needs of our customers.
• Develop and implement initiatives for maintaining strong relationships with existing customers as well as develop new relationships that guarantee a portfolio of mortgage finance customers.
• Work with individuals from across the bank to identify and define target market segments, market requirements, key business strategies and the competitive environment for our niche portfolio.
• Champion risk approvals for mortgage finance deals and provide risk management of mortgage finance portfolio and structured solutions to mitigate risk.
• Drive overall client satisfaction and service benchmark for mortgage finance offerings and also build customer loyalty. This will mean benchmarking against world-class mortgage finance providers and ensure that standards of the mortgage finance department meet global best practice.
• Lead the development from conceptualization till launch of new products and services designed to deliver superior value for customers and profitability for the Bank while ensuring strict adherence to Banks principles and guidelines.
• Champion and deliver world class customer service by ensuring quality service delivery for customers within the bank’s Service Level Agreements.

Skills
The successful candidate will be required to have the following skills and competencies:

• A Bachelor’s Degree in business related field from a recognized University with at least seven years working experience in banking operations, four of which must be in credit, product development and project planning & management.
• MBA or advanced degree in Business Administration or Finance and IT/Project management certification will be an added advantage.
• Proven knowledge in all mortgage finance products and related business aspects is an added advantage.
• Proactive, assertive and highly adaptable to change with strong analytical skills and customer centric mindset.
• Personal organization and thoroughness coupled with the ability to work under minimum supervision with good Judgment skills.
• Ability to analyze data, information and situations for effective work performance with excellent attention to details and quality output.

Country: 381 views

The Role of the Test Automation Engineer will entail the design, build, test, and deployment of effective test automation solutions. To fulfill this role the Test Engineer will require a strong understanding of different testing strategies, approaches and techniques and the technical ability to apply appropriate automation technologies to meet the short and long term goals of the testing organization. The role objective is to automate as much of the testing effort as possible with a minimum set of code / scripts and building a robust set of regression testing suite through the adoption of appropriate application  testing approaches as well as system development techniques.  The focus will be to reduce the manual effort required in testing to reduce the effort needed by both technical and business teams in performing user acceptance tests as well as system regression. The role will also ensure reduced time to market in getting solutions out to business while at the same time reduce the risk of system failing once they are deployed.

The Role
The successful jobholder will be expected to:

• Define a test automation strategy for key bank systems based on a broad risk based analysis in collaboration with the technical teams and business partners in addition to providing expertise and support on use of methods and tools.
• Guide solution developers to ensure they instrument the application code in order to enable effective and repetitive unit testing of the code before it is incorporated into the current build.
• Develop automated solutions to expedite test. This will be in the form of tooling to increase the efficiency of test preparation and / or the creation automated of test cases.
• Put the power of automation into the hands of Test Designers / Testers. The Test Engineer will deploy the simplest solution to meet the defined need with the aim to effectively automate the testing effort.
• Develop and deploy automated solutions to expedite acceptance test by use of automation tools as part of Acceptance Test and execution of automated test solution as part of the System being deployed.
• Undertake objective, systematic analysis and draw accurate conclusions based on evidence by identifying problems and working with technical teams and business to resolve them.
• Have a clear grasp of the testing mandate by proactively determining what should be automated and in what sequence to get the maximum return on the automation investment while defining the scope of test automation within the context of each release/delivery.
• Review system performance, identify opportunities for improvement and implement appropriate measurements and metrics against products under test.

Skills
The successful jobholder will be required to possess the following qualifications: -

• A Bachelor’s degree in Computer Science, Information Technology and/or related fields from a recognized university. Additional training in Quality Assurance and System testing will be an added advantage.
• 4+ years of experience in Quality Assurance with at least 2 years experience as a seasoned Automation Engineer coupled with strong knowledge of manual system testing and software quality control best practices and methodologies.
• Excellent software development skills coupled with programming experience in Python, Perl, Shell and Java, etc.
• Excellent understanding of Unix/Linux Operating System
• Ability to communicate ideas in both technical and user-friendly language coupled with Interpersonal skills, to facilitate creation of test cases
• Proven analytical and creative problem-solving abilities.
• Ability to effectively prioritize and execute tasks in a high-pressure environment.
• Experience working in a team-oriented, collaborative environment.
• Detail-oriented individual who can be relied on to produce accurate deliverables

Country: 304 views

Reporting to the Head – Mortgage Finance, the Property Hub Manager will be responsible for property sales and mortgage origination. He/she will ensure conversion of short-term projects loan to long-term mortgage loan by planning, coordinating and monitoring of the virtual and physical property hub objectives including solutions and services provided to end user mortgage customers.

The Role

• Ensure conversion of projects to end user mortgages and be responsible for property sales and mortgage origination
• Close sales through coordinating buyer- seller meetings, showing properties, relaying offers, suggesting alterations to offers and writing of contracts.
• Implement Property hub sales programs by developing field sales action plans and increase the numbers of developers/vendors/partners within the Property Hub
• Negotiate property prices through discount agreements with developers and partners, make recommendations/improvements that will increase sales and income from property hub and encourage the use of accounts to drive long-term deposits in the various prospective customers.
• Maintain and develop meaningful relationship with Real Estate developers/external stakeholders and drive partnership with estate agents, rent aggregators, hardware stores, compliance authorities and real estate professional bodies.
• Liaise with Marketing Department in organizing sales events, forums/buyer activities aimed at increasing sales.
• Guide /Co-ordinate opinion surveys on the real estate market as requested and manage the online portal with updated properties and requests.
• Maintain in-depth knowledge of market conditions and periodical bulletin to help manage the customer and bank expectation.
• Manage and conduct site visits with clients to ensure a good customer experience.
• Promote and show properties to prospective tenants and ensure the property hub services supports the overall corporate objective of the bank.
• Develop and prepare management reports pertaining to the key property hub activities and ensure regular updates of data/information on virtual and physical property hubs.

Skills
The successful jobholder will be required to possess the following qualifications: -

• A Bachelor’s degree in Built Environment or Marketing from a recognized university.
• Minimum 7 years of experience, in marketing and most preferably real estate with exposure in organization and participation in property sales events.
• Understanding of marketing and customer service principles coupled with knowledge on financial and accounting principles.
• Excellent interpersonal and communication skills – friendly, diplomatic and assertive when required.
• Exceptional organizational and multi-tasking skills.
• Pro-active in problem solving coupled with the ability to work under own initiative.
• Good attention to detail, an ability to see the bigger picture and a head for figures, margins, budgets, and revenue

Country: 336 views