Job Purpose:

As Branch Manager, you are the strategic driver of Branch profitability and market penetration. You will be responsible for leading a team, ensuring operational excellence, delighting customers, and aligning all activities to the Bank’s overarching strategy.

Qualifications and Experience:


Bachelor’s degree in a business-related field required; professional banking... qualifications (e.g., AKIB) are a plus.
At least 5 years of progressive banking experience, with proven leadership and strong performance results.
Sound knowledge of branch operations, banking policies, legal/regulatory frameworks, and risk management


Job specific competencies:


Strong business development and relationship management capabilities.
Persuasive communication, negotiation, and presentation skills.
Ability to lead, inspire, and deliver results through teams.
Agile, proactive, and resilient in a fast-paced environment.
Deep understanding of banking products and services (including Islamic finance).
High professionalism, integrity, and a collaborative mindset more

To support the credit risk and monitoring functions by ensuring that all collateral related documentation, including insurance, valuations, and car tracking for secured credit facilities, are accurately maintained, monitored, and up to date in compliance with internal policies and regulatory requirements.


Key Responsibilities:


Insurance Management
Verify that all insurance policies... for secured credit facilities (vehicles, property, etc.) are in place and meet bank requirements before disbursement.
Ensure timely renewal of insurance policies and follow up with the business teams and insurers to avoid lapses.
Maintain an up-to-date insurance register for all credit facilities.
Coordinate with approved insurance providers and ensure claims processes are wellhandled where applicable.
Track and report non-compliance or gaps in insurance coverage.
Review and file insurance certificates, policy documents, and endorsements.
Liaise with insurance companies and brokers to verify policies and claims processes.
Coordinate with Relationship Managers to follow up on insurance requirements.
Assist in initiating and tracking insurance claims on behalf of the bank in case of asset damage or loss.
Ensure timely submission of claims and follow up with insurers until settlement.
Conduct due diligence and performance reviews of insurance companies and brokers.
Prepare regular reports on insurance coverage status and exceptions for management.
Valuations Coordination
Coordinate with approved external valuers to ensure timely and accurate valuation of collateral (e.g., land, buildings, vehicles, machinery) for credit facilities.
Review valuation reports for completeness, accuracy, and compliance with the bank’s standards and credit policies.
Maintain a valuation register/database with up-to-date information on all collateral valuations.
Ensure that revaluations are conducted periodically based on the bank’s policy or regulatory requirements.
Flag significant discrepancies or value reductions to the Credit Risk or Relationship Management teams for appropriate action.
Ensure all valuation reports are securely filed and easily retrievable for audit and regulatory review.
Maintain and update the bank’s panel of approved valuers.
Conduct due diligence and performance reviews of valuation firms.
Ensure valuers adhere to ethical standards, regulatory guidelines, and the bank’s code of conduct.
Car Tracking & Asset Monitoring
Create and maintain a data base for all credit facilities and assigned collaterals, indicating the tracking companies and expiry dates. Ensure the start and maturity dates of the credit facilities are included – so that the bank can advise the tracking companies on expiring tracking certificates and be advised to drop the bank’s interest as and when facilities mature.
Receive and follow up on any alerts of either disconnection, tampering, geo-fencing etc.
Follow up with the customer, the tracking company and the debt collectors at the earliest time possible.
Ensuring tracking companies give frequent reports on assets financed by the Bank. Receive, evaluate and query the reports submitted and initiate corrective actions, through branches, insurance companies, RMU depending on the circumstances.
Do regular sampling of the customers tracking status, both performing, and non-performing facilities. Ensure the bank has access to all online platforms.
Ensure equitable distribution of the tracking business amongst the various providers, to avoid concentration risk through allocation of tracking instructions on new approvals to reduce concentration.
Maintain an up to date register/data with contacts of key persons, email addresses, online log in credentials and web addresses of all the tracking companies. Confirm that the log in credential is working.
Continuously liaise with RMU to obtain the details/lists of untraceable assets and find out who the tracking companies are – and establish the reasons for non- traceability, and initiate action.
From the Monthly reports availed by the tracking companies- summarize the list of all offline vehicles, establish the reasons and initiate action through the branch and customers i.e. follow up for reinstatement back to online. Cross check the tracking assets listed as expired and confirm if the loans are cleared, thereafter advise the tracking companies to drop the same from their list, if the bank no longer has interest – if expired and loan is still runningfollow up with branch and customer for reinstatement.
Continuous monitoring of the email through which the tracking reports and alerts will be availed to the bank and be respond to the emails accordingly. Follow up and ensure all companies submit as per SLA.
Liaison with the monitoring team on repossession of assets where tracking is tampered with.
Issue letters authorizing crossing borders upon requests. In liaison with the monitoring team.
Participate in the evaluation of tracking companies, for inclusion in the Bank’s panel of service providers.
Adherence to the policies and confidentiality dictations to safeguard data and information.
Ensure Service Level Agreement (TAT) is adhered to by the service providers.


Key Customers for this role


Credit Analysts
Credit Administration staff
Remedial Department staff
Legal Department
Business Relationship Team
Knowledge, Experience, Skills and competencies required for this Role


Qualifications and Experience:


University Degree in Business Administration, Economics, Finance, Banking or its equivalent from a recognized institution.
Master’s degree in a relevant field from a recognized institution is an added advantage.
Post graduate and or Banking qualifications will be an added advantage.
Minimum 2 years’ experience in credit administration or related banking roles.
Familiarity with insurance processes, valuation methodologies, and GPS tracking systems.
Strong knowledge of banking credit policies and collateral management. more

This role ensures that products meet quality standards and customer expectations. The role holder will provide subject matter expertise for design, development, and maintenance of new and existing testing and execution frameworks, continued evaluation of test cases for inclusion in functional tests, regression tests, performance tests, test coverage and automation of newly implemented... functionalities.
The person will also work closely with both vendor and internal technical teams, business teams, project, and technical delivery managers to form and follow quality procedures, standards, and specifications ensuring that they are met and deliver the highest quality outcomes in a timely and cost-effective manner. The role holder also performs a critical role in leading the reviews of solution architectures and designs and ensuring that they are in line with the architecture principles, standards, and industry best practices.


Key Responsibilities:


Work with IT Team and Vendor Teams to validate Unit Testing, API Testing, Integration Testing, system testing, and automated regression testing and collaborate with developers to conduct end-to-end defect analysis and resolution of defects, and in reviewing test results for maximum test coverage.
Lead the definition and execution of non-functional tests such as performance, load, stress, security, operational acceptance and business continuity testing, and ensures that solutions meet the minimum baseline standards and benchmarks before deployment to production.
Formulate non-functional test strategies which includes decomposing the business and technical requirements into test scenarios, defining test data requirements, managing test case creation, devising contingencies plans and other testing preparation activities.
Lead reviews of test plans, designs, test scenarios, test cases, test scripts and requirements documents with cross-functional teams for both functional and nonfunctional testing to ensure maximum test coverage.
Work with the IT production and support teams in supporting, Identifying and resolving post deployment systems issues.
Work closely with IT support and vendor support for management and maintenance of Test Environments on premise and on cloud platforms.


Knowledge and experience:


Bachelor’s degree in Computer Science, Computer Engineering, Information Technology, or a related field of study.
6 years of progressive experience in Information Technology with focus on Business
Analysis or Architecture or Software Development or Quality Assurance.
3 years Technical Software Quality Assurance.
2 years’ experience in Software Testing Automation with any one of the following tools:
Selenium Web driver/Katalon Studio/Robot Framework/REST Assured/Cucumber, and HP Load Runner/JMeter.
3 years’ experience in software QA methodologies, tools, and processes.
Good presentation & data analytical skills and Business Process Documentation more

To achieve business growth in both SME and retail segment. The role holder will have the responsibility of onboarding quality using lead generation and marketing drives whilst maintaining/building customer relationship and account information.

Key Responsibilities:


Acquisition & Business Development
Acquire new Retail and SME accounts on a monthly basis.
Expand and strengthen... relationships with existing Retail and SME clients
Identify cross-selling opportunities to grow the customer portfolio size.
Drive deposit growth within the acquired Retail and SME customer base.
Increase Non-Funded Income (NFI) through value-added services.
Compliance
Provide consistent customer engagement and personalized support.
Regularly update and maintain customer records in line with bank policies.
Ensure a seamless customer experience to foster loyalty and referrals.
Other
To safeguard and promote the bank’s image with the general public
To assist in other issues aspects such as issue escalation and resolution to support our growth strategy
Compliance & Operational Excellence:
Adhere to all internal policies and external regulatory requirements.
Comply with operational and credit policies during client onboarding and servicing.
Ensure accurate recording of all customer engagements and interactions.
Brand and Support
Act as a brand ambassador by upholding and promoting the bank’s image.
Address and escalate customer issues promptly, ensuring timely resolution.
Support overall bank growth strategies by participating in campaigns and team initiatives.


Qualifications and Experience:


Bachelor’s Degree in any discipline from a recognized institution.
Minimum KCSE Grade: C+ (or equivalent).
Strong interpersonal skills with the ability to build lasting relationships.
Excellent communication and presentation skills.
Sales and customer service experience is an added advantage. more

Job Purpose:


To prepare independent analysis of SME credit reviews and submit summary of analysis for credit review.
To support the SME segment asset book growth within acceptable PAR tolerance levels to ensure the product remains profitable.


Key Responsibilities:

Operations


Check completeness of documents submitted by the Relationship Managers or Branch Managers.
Inform... the Branch/Relationship manager of any document missing (according to the checklist).
Regularly analyze the risk profile of the bank’s credit facilities portfolio by product, by sector. Assign risk grades for each portfolio type following the guidelines in the bank’s credit policy manual.
Review inward cheques report and excesses daily reports to ensure that they are appropriately sanctioned and therefore safeguard the bank from financial loss from unauthorized extension of credit.
Timely analysis of credit applications while ensuring that good quality of the financing assets is achieved.
Preparation of various management Reports.
Review of credit policy and updating it in line with changes in the financing environment.
Review of new and existing products as per bank guidelines.


Compliance:


Ensure compliance with both internal and external regulatory requirements.
Review and ensure compliance of facilities approved conditions.
Ensure compliance with Credit policies and procedures at all times.
Ensure compliance with set SLAs at all times.


Other


Safeguard and promote the bank’s image with the general public.


Requirements

Qualifications and Experience:


Bachelor’s degree in an Analytical/Business related field
CPA or relevant professional qualification.
5 years banking experience in a lending function with at least 3 years in credit analysis.
Experience or sound understanding of credit risk and the techniques of financial analysis
Proficiency in use of relevant MS office applications


Competencies Required for this Role:


Knowledge of relevant lending products
Strong credit analytical skills including business plan analysis, numerical and financial analysis and interpretation
Key understanding of regulatory and legal environment
Problem Solving skills
Analytical and methodical skills
Excellent Communication skills.
Decision making skills
Organizing skills
Communication skills more

Job purpose

The Manager, Information Security and Data Protection will be responsible for steering the organization towards full compliance with the provisions of the Kenya Data Protection Act 2019 and any other related data protection/privacy laws. The role holder will support the design and implementation of information security controls (people, process and technology) across the... Bank.

The role holder will also support the Bank’s Business Continuity and Disaster Recovery plans ensuring that essential services are available to the business and customers in the event of any unforeseen disruption, within the agreed service levels (RPO and RTO).

Key Responsibilities


Data Protection and Privacy - facilitate data privacy through transparent data protection policies, procedures and systems. Additionally, the role shall;
Act as point of contact with any supervisory authorities and internal teams on data processing-related issues
Identify and evaluate the organization’s data processing activities.
Provide guidance in conducting Data Protection Impact Assessments (DPIAs).
Inform and advise the organization (data controller/data processor) and employees involved in data processing of their obligations to comply with Data Protection Act and other applicable regulations.
Monitor Compliance with the Data Protection Act, as well as internal polices related to various data protection activities, including awareness, training, and internal audits.
Co-operate with the Kenya Data Commissioner and any other authority on matters relating to data protection.
Information Security Management System (ISMS) Benchmarking with industry best practice/standards.
Provide support in the bank’s drive to align to best practices (COBIT, ISO 27001, PCI DSS, CIS etc.), while enshrining these with the relevant policies and practices.
Regulatory Compliance - keep up-to-date with regulatory guidelines (e.g. CBK prudential guidelines etc.) affecting information technology, information security, risk management and continuously update the organization’s policies, standards and procedures.
Risk & Audit Management
Support on planning and conducting risk assessments – covering people, processes and technology as per the bank’s risk management framework.
Support the bank’s third-party risk management process ensuring compliance with internal policies as well as regulatory requirements.
Play liaison role for Internal and External audits on matters information security and data protection.
Track and report on audit and risk findings.
Manage the Information Security Awareness program across the organization and with external stakeholders, including awareness trainings, tools and reporting.
Business Continuity and Disaster Recovery Planning.


Support the bank’s Business Continuity and Disaster Recovery Planning through:


Business Impact Assessments (BIAs).
BCM Risk Assessment.
BCM Plans.
Call Tree Updates & Simulation testing.
IT DR Planning.
IT DR Testing.
BCM Tests - Branches & HQ Units.
Information Security Assurance Requirements
System user access management - maintain a robust program for system user access management.
Vulnerability management – ensure vulnerability scanning and reporting is done as per the bank’s policy.
Secure configuration – document and maintain standards for hardening systems to comply with global information security best practices.
Endpoint protection – evaluate and maintain adequate controls to detect and respond to malicious activities.
Logging and monitoring – provide oversight for the bank’s SOC function.
Incident response – support the development and testing of applicable incident response playbooks as well as offer guidance to SOC analysts in responding to real incidents as may be identified.
Business projects assurance - provide information security and data protection compliance assurance to business projects to ensure that any new products, services, channels and other changes introduced meet the information security and data protection compliance thresholds.


Knowledge and experience


Bachelor’s Degree in Information and Communication Technology (ICT), Information Systems, Computer Science, Information Security or related field required.
Data Protection training/certification.
Certified Information Security Manager (CISM) or ISO/IEC 27001 Lead Implementer Certificate.
Certified Information Systems Auditor (CISA) or ISO/IEC 27001 Lead Auditor Certificate.
Cybersecurity Technical training/certification. Certification in at least one of these areas: Ethical Hacking, CCNA, API Security, Cloud Security.
Business Continuity Management certification would be an added advantage.
Protect Management certification e.g. Prince2 Practitioner would be an added advantage.
IT Service Governance certification e.g. ITIL would be an added advantage
At least 5 years’ experience in Information Security or IT Governance, with at least 2 years handling data protection compliance in a managerial role.
At least 3 years’ experience conducting information security risk assessments or IT governance and assurance/compliance assessments in an organization.
Experience in the design, implementation and support of cybersecurity solutions e.g. SIEM, DAM, Vulnerability Management tools, Endpoint Protection tools, FIM, NAC, PAM etc.
In-depth understanding of information security best practice & compliance standards.
Experience in audit management and reporting.
Knowledge of relevant CBK Prudential Guidelines and laws applicable to data protection and privacy.
Prior experience working within a financial service organization will be an added advantage.


Skills and competencies

Technical Competencies:


Knowledge to develop and manage Data Protection strategy and policy framework.
Knowledge of the Kenya Data Protection Act (2019) and related laws as well as applicable CBK Prudential Guidelines on data protection and privacy.
Technical skills to effectively perform IS security management activities/tasks in a manner that consistently achieves established quality standards or benchmarks. This includes management of key processes like vulnerability/patch management, logging and monitoring, access control, endpoint protection, threat detection and response, secure configuration etc.
Knowledge to develop and manage Business Continuity and Disaster Recovery plans and processes.
Knowledge and effective application of all relevant banking policies, processes, procedures and guidelines to consistently achieve required compliance standards or benchmarks.
Knowledge and application of modern IS security management practices and best practice compliance standards in financial services industry, to proactively define and implement security quality improvements in line with technological and product changes.
Performance management to optimise personal and team productivity.
Management and regulatory reporting.


Behavioural Competencies:


Interpersonal skills to effectively communicate with and manage expectations of all team members and other stakeholders who impact performance.
Self-empowerment to enable development of open communication, teamwork and trust that are needed to support true performance and customer-centric culture.
Demonstrable integrity and ethical practices. more

Job Purpose:


Responsible for business development and operations of the Branch while ensuring staff engagement, customer satisfaction, profitability and growth in line with the Bank’s strategy


Key Responsibilities

Strategy:


Formulate marketing plans/strategies, for the assigned region, towards targeting of SME and Retail customers for the purpose of acquiring deposits and... providing financing
Prepare annual plans and marketing strategy to achieve the financial & non-financial goals of the SME and Retail business in the region.
Identify and segment target market and develop new business to increase the portfolio and pursue growth opportunities.
Market products and services and grow quality Retail and SME asset book focusing on long term development of mutually advantageous client relations while ensuring that all short-term objectives are met simultaneously
Ensure adequate customer retention strategies are employed to attain growth from existing customers
Enhance the Bank’s profitability through enhanced funded and non-funded income and management of costs to deliver on the overall financial performance of the Bank


Business Acquisition:


Implement the Bank’s business development strategy at branch level including growth in customer base with concurrent growth in branch liabilities and assets and meet targets set under annual performance plans for the Branch.
Work with Business Heads of Departments to formulate and implement branch business plans, forecasts and budgets and ensure their control and periodic reviews
Support the business development team at the Branch in understanding customer needs and proposing solutions based on a relevant combination of the Bank’s current product and service offering (i.e. offer a suite of products and services that meets the client’s needs)
Identify and develop new and profitable businesses and sales volumes for all bank products while ensuring active cross-selling in all business development areas (Retail,
Commercial, Treasury ), achieving targets for profitability, new customer acquisition, customer relationship growth
Contribute to the uptake of digital channels by all customers of the branch.
Support marketing initiatives and monitor and provide regular feedback on products performance.
Build and deepen relationships with existing and new clients to achieve increase in share of wallet and revenues
Drive revenue streams for the branch, both funded and non-funded income
Create a smooth interface between the various branch functions of Retail, Operations, Risk Management, Credit, Commercial Banking, Treasury, and Customer Service.


Customer Experience


Ensure customer satisfaction by upholding world class customer experience defined around speed and accuracy – First Time Right
Conduct personal visits to customers on a regular basis to optimize on sales and resolve all customer complaints and queries expeditiously
Work with Customer Experience team to ensure that branch customers are provided with a one-stop convenient, efficient and reliable total banking solutions
Ensure relationship managers and customer experience teams are in contact with customers to facilitate timely updates of any changes in the customer profiles and reduction of dormant accounts.


Operations & Compliance (Corporate Governance)


Oversee customer service delivery, maintenance and improvement of service standards in order to ensure customer satisfaction and retention.
Implement and monitor the operational risk management guidelines for the branch.
Manage operational and business risks and costs to maximize profitability
Maintain the look, feel and physical security of the branch premises, staff and customers.
Monitor compliance with both internal and external regulatory requirements. Ensuring that Shariah-related, Know Your Customer (KYC), Anti-Money Laundering (AML), and other policies are adhered to; ensure compliance implementation and compliance with operational policies and procedures.
Work closely with risk and compliance units to ensure effective controls to mitigate against operational and business risks.


Credit


Oversee the collection of all the required information and documentation required for credit processing from the clients—the goal is to ensure that complete credit applications are presented to the credit team, and support the relationship managers in advising the client of any missing information that would delay the processing of the application.
Keep customers (especially key customers) informed of the progress of their credit applications
Follow up with credit risk department and other support units to ensure timely approval and disbursement of facilities (help resolve any issues with the client as needed)
For high-value clients, contact the client immediately in the event of non-payment of a loan installment, and, if not resolved, take subsequent actions to recover credit in arrears according Bank procedures


Portfolio management and collection


Manage Portfolio at Risk relating to the Branch within acceptable level as per defined targets
Work with Relationship Managers and Assistant Relationship Managers in the region, and the credit monitoring team to prevent defaults on client’s payment.
Ensure RMs monitor alterations in the client’s business and to be aware of forthcoming client’s financial needs
Ensure Relationship Managers are in constant contact with clients and personally meet clients if required in the event of non-payment of an installment.


Team Management


Provide leadership, direction and pace to the branch team
Build, develop and motivate a high performing team.
Identify training gaps and recommend on required training interventions
Monitoring and evaluating performance of individuals to ensure maximum effort is directed towards achieving the department’s objectives; carry out performance appraisals against agreed set targets while accurately assessing individual strengths, developmental needs and timely feedback


Accountability


Growth in Customer numbers, both Retail Banking and Commercial Banking
Growth in liabilities, Growth in the Asset Book, Growth in revenues (both funded and non-funded)
Compliance to processes, procedures and regulatory requirements
Reduction of non-performing facilities
Increased utilization of digital channels


Skills, Experience and Competencies


Be a holder of Bachelor’s degree in Business related field
Professional banking qualifications such as AKIB will be added advantage
Knowledge of operational policies, procedures and legalities relevant to branch operations
At least 5 years’ managerial experience in the banking industry'
Strong selling, communication and presentation skills
Ability to lead teams and deliver business results
Ability to successfully acquire clients, e.g. through activities such as identifying highpotential clients, make a compelling sales pitch based on a thorough understanding of a client’s needs, follow-up
Strong networking skills, both externally and within the Bank & Good negotiation skills
Dynamic individual, who takes pride in his/her work, and has the ability the thrive in a competitive and dynamic environment (working effectively under pressure)
Ability to prepare an effective work plan and organize his/her time in a manner that enables that plan to be implemented
Good product knowledge, both Shariah and other
Problem solving and analysis skills especially within a business context; good business sense is a key requirement
Professionalism, i.e. ability to win the confidence of, and work effectively with clients and colleagues
Ability to function effectively within a team-setting—Willingness to learn and accept feedback more

Job Purpose:

Responsible for business development and operations of the Branch while ensuring staff engagement, customer satisfaction, profitability and growth in line with the Bank’s strategy

Key Responsibilities
Strategy:

Formulate marketing plans/strategies, for the assigned region, towards targeting of SME and Retail customers for the purpose of acquiring deposits and providing... financing
Prepare annual plans and marketing strategy to achieve the financial & non-financial goals of the SME and Retail business in the region.
Identify and segment target market and develop new business to increase the portfolio and pursue growth opportunities.
Market products and services and grow quality Retail and SME asset book focusing on long term development of mutually advantageous client relations while ensuring that all short-term objectives are met simultaneously
Ensure adequate customer retention strategies are employed to attain growth from existing customers
Enhance the Bank’s profitability through enhanced funded and non-funded income and management of costs to deliver on the overall financial performance of the Bank

Business Acquisition:

Implement the Bank’s business development strategy at branch level including growth in customer base with concurrent growth in branch liabilities and assets and meet targets set under annual performance plans for the Branch.
Work with Business Heads of Departments to formulate and implement branch business plans, forecasts and budgets and ensure their control and periodic reviews
Support the business development team at the Branch in understanding customer needs and proposing solutions based on a relevant combination of the Bank’s current product and service offering (i.e. offer a suite of products and services that meets the client’s needs)
Identify and develop new and profitable businesses and sales volumes for all bank products while ensuring active cross-selling in all business development areas (Retail,
Commercial, Treasury ), achieving targets for profitability, new customer acquisition, customer relationship growth
Contribute to the uptake of digital channels by all customers of the branch.
Support marketing initiatives and monitor and provide regular feedback on products performance.
Build and deepen relationships with existing and new clients to achieve increase in share of wallet and revenues
Drive revenue streams for the branch, both funded and non-funded income
Create a smooth interface between the various branch functions of Retail, Operations,
Risk Management, Credit, Commercial Banking, Treasury, and Customer Service.

Customer Experience

Ensure customer satisfaction by upholding world class customer experience defined around speed and accuracy – First Time Right
Conduct personal visits to customers on a regular basis to optimize on sales and resolve all customer complaints and queries expeditiously
Work with Customer Experience team to ensure that branch customers are provided with a one-stop convenient, efficient and reliable total banking solutions
Ensure relationship managers and customer experience teams are in contact with customers to facilitate timely updates of any changes in the customer profiles and reduction of dormant accounts.

Operations & Compliance (Corporate Governance)

Oversee customer service delivery, maintenance and improvement of service standards in order to ensure customer satisfaction and retention.
Implement and monitor the operational risk management guidelines for the branch.
Manage operational and business risks and costs to maximize profitability
Maintain the look, feel and physical security of the branch premises, staff and customers.
Monitor compliance with both internal and external regulatory requirements. Ensuring that Shariah-related, Know Your Customer (KYC), Anti-Money Laundering (AML), and other policies are adhered to; ensure compliance implementation and compliance with operational policies and procedures.
Work closely with risk and compliance units to ensure effective controls to mitigate against operational and business risks.

Credit

Oversee the collection of all the required information and documentation required for credit processing from the clients—the goal is to ensure that complete credit applications are presented to the credit team, and support the relationship managers in advising the client of any missing information that would delay the processing of the application.
Keep customers (especially key customers) informed of the progress of their credit applications
Follow up with credit risk department and other support units to ensure timely approval and disbursement of facilities (help resolve any issues with the client as needed)
For high-value clients, contact the client immediately in the event of non-payment of a loan installment, and, if not resolved, take subsequent actions to recover credit in arrears according Bank procedures

Portfolio management and collection

Manage Portfolio at Risk relating to the Branch within acceptable level as per defined targets
Work with Relationship Managers and Assistant Relationship Managers in the region, and the credit monitoring team to prevent defaults on client’s payment.
Ensure RMs monitor alterations in the client’s business and to be aware of forthcoming client’s financial needs
Ensure Relationship Managers are in constant contact with clients and personally meet clients if required in the event of non-payment of an installment.

Team Management

Provide leadership, direction and pace to the branch team
Build, develop and motivate a high performing team.
Identify training gaps and recommend on required training interventions
Monitoring and evaluating performance of individuals to ensure maximum effort is directed towards achieving the department’s objectives; carry out performance appraisals against agreed set targets while accurately assessing individual strengths, developmental needs and timely feedback

Accountability

Growth in Customer numbers, both Retail Banking and Commercial Banking
Growth in liabilities, Growth in the Asset Book, Growth in revenues (both funded and non-funded)
Compliance to processes, procedures and regulatory requirements
Reduction of non-performing facilities
Increased utilization of digital channels

Skills, Experience and Competencies

Be a holder of Bachelor’s degree in Business related field
Professional banking qualifications such as AKIB will be added advantage
Knowledge of operational policies, procedures and legalities relevant to branch operations
At least 5 years’ managerial experience in the banking industry
Strong selling, communication and presentation skills
Ability to lead teams and deliver business results
Ability to successfully acquire clients, e.g. through activities such as identifying highpotential clients, make a compelling sales pitch based on a thorough understanding of a client’s needs, follow-up
Strong networking skills, both externally and within the Bank & Good negotiation skills
Dynamic individual, who takes pride in his/her work, and has the ability the thrive in a
competitive and dynamic environment (working effectively under pressure)
Ability to prepare an effective work plan and organize his/her time in a manner that enables that plan to be implemented
Good product knowledge, both Shariah and other
Problem solving and analysis skills especially within a business context; good business sense is a key requirement
Professionalism, i.e. ability to win the confidence of, and work effectively with clients and colleagues
Ability to function effectively within a team-setting
Willingness to learn and accept feedback more

Job Purpose:
Responsible for business development and operations of the Branch while ensuring staff engagement, customer satisfaction, profitability and growth in line with the Bank's strategy
Key Responsibilities

Strategy:

Formulate marketing plans/strategies, for the assigned region, towards targeting of SME and Retail customers for the purpose of acquiring deposits and providin... financing
Activate Windows Go to Settings to activate
Prepare annual plans and marketing strategy to achieve the financial & non-financial goals of the SME and Retail business in the region. Identify and segment target market and develop new business to increase the portfolio and pursue growth opportunities. Market products and services and grow quality Retail and SME asset book focusing on long term development of mutually advantageous client relations while 
ensuring that all short-term objectives are met simultaneously
Ensure adequate customer retention strategies are employed to attain growth from existing customers
Enhance the Bank's profitability through enhanced funded and non-funded income and management of costs to deliver on the overall financial performance of the Bank

Business Acquisition:

Implement the Bank's business development strategy at branch level including growth in customer base with concurrent growth in branch liabilities and assets and meet targets set under annual performance plans for the Branch.
Work with Business Heads of Departments to formulate and implement branch business plans, forecasts and budgets and ensure their control and periodic reviews Support the business development team at the Branch in understanding customer needs and proposing solutions based on a relevant combination of the Bank's current product and service offering (i.e. offer a suite of products and services that meets the client's needs)✔ Identify and develop new and profitable businesses and sales volumes for all bank products while ensuring active cross-selling in all business development areas (Retail, Commercial, Treasury), achieving targets for profitability, new customer acquisition, customer relationship growth
Contribute to the uptake of digital channels by all customers of the branch.
Support marketing initiatives and monitor and provide regular feedback on products performance.
Build and deepen relationships with existing and new clients to achieve increase in share of wallet and revenues
Drive revenue streams for the branch, both funded and non-funded income
Create a smooth interface between the various branch functions of Retail, Operations, Risk Management, Credit, Commercial Banking, Treasury, and Customer Service.

Customer Experience

Ensure customer satisfaction by upholding world class customer experience defined around speed and accuracy - First Time Right
Conduct personal visits to customers on a regular basis to optimize on sales and resolve all customer complaints and queries expeditiously
Work with Customer Experience team to ensure that branch customers are provided with a one-stop convenient, efficient and reliable total banking solutions Ensure relationship managers and customer experience teams are in contact with customers to facilitate timely updates of any changes in the customer profiles and reduction of dormant accounts.

Operations & Compliance (Corporate Governance)

Oversee customer service delivery, maintenance and improvement of service standards in order to ensure customer satisfaction and retention.
Implement and monitor the operational risk management guidelines for the branch.
Manage operational and business risks and costs to maximize profitability
Maintain the look, feel and physical security of the branch premises, staff and customers.
Monitor compliance with both internal and external regulatory requirements. Ensuring that Shariah-related, Know Your Customer (KYC), Anti-Money Laundering (AML), and other policies are adhered to; ensure compliance implementation and compliance with operational policies and procedures.
Work closely with risk and compliance units to ensure effective controls to mitigate against operational and business risks.

Credit

Oversee the collection of all the required information and documentation required for credit processing from the clients-the goal is to ensure that complete credit applications are presented to the credit team, and support the relationship managers in advising the client of any missing information that would delay the processing of the application.
Keep customers (especially key customers) informed of the progress of their credit applications
Follow up with credit risk department and other support units to ensure timely approval and disbursement of facilities (help resolve any issues with the client as needed)
For high-value clients, contact the client immediately in the event of non-payment of a loan installment, and, if not resolved, take subsequent actions to recover credit in arrears according Bank procedures

Portfolio Management And Collection

Manage Portfolio at Risk relating to the Branch within acceptable level as per defined targets
Work with Relationship Managers and Assistant Relationship Managers in the region, and the credit monitoring team to prevent defaults on client's payment. Ensure RMs monitor alterations in the client's business and to be aware of forthcoming client's financial needs
Ensure Relationship Managers are in constant contact with clients and personally meet clients if required in the event of non-payment of an installment.

Team Management

Provide leadership, direction and pace to the branch team
Build, develop and motivate a high performing team.
Identify training gaps and recommend on required training interventions
Monitoring and evaluating performance of individuals to ensure maximum effort is directed towards achieving the department's objectives; carry out performance
appraisals against agreed set targets while accurately assessing individual strengths, developmental needs and timely feedback

Accountability

Growth in Customer numbers, both Retail Banking and Commercial Banking
Growth in liabilities, Growth in the Asset Book, Growth in revenues (both funded and non-funded)
Compliance to processes, procedures and regulatory requirements
Reduction of non-performing facilities
Increased utilization of digital channels

Skills, Experience And Competencies

Be a holder of Bachelor's degree in Business related field
Professional banking qualifications such as AKIB will be added advantage
Knowledge of operational policies, procedures and legalities relevant to branch operations
At least 5 years' managerial experience in the banking industry
Strong selling, communication and presentation skills
Ability to lead teams and deliver business results
Ability to successfully acquire clients, e.g. through activities such as identifying high-potential clients, make a compelling sales pitch based on a thorough understanding of a client's needs, follow-up
Strong networking skills, both externally and within the Bank & Good negotiation skills
Dynamic individual, who takes pride in his/her work, and has the ability the thrive in a competitive and dynamic environment (working effectively under pressure)
Ability to prepare an effective work plan and organize his/her time in a manner that enables that plan to be implemented
Good product knowledge, both Shariah and other
Problem solving and analysis skills especially within a business context; good business sense is a key requirement
Professionalism, i.e. ability to win the confidence of, and work effectively with clients and colleagues
Ability to function effectively within a team-setting-
Willingness to learn and accept feedback more

Job Purpose
Responsible for business development and operations of the Branch while ensuring staff engagement, customer satisfaction, profitability and growth in line with the Bank’s strategy
Key Responsibilities

Strategy

Formulate marketing plans/strategies, for the assigned region, towards targeting of SME and Retail customers for the purpose of acquiring deposits and providing... financing
Prepare annual plans and marketing strategy to achieve the financial & non-financial goals of the SME and Retail business in the region.
Identify and segment target market and develop new business to increase the portfolio and pursue growth opportunities.
Market products and services and grow quality Retail and SME asset book focusing on long term development of mutually advantageous client relations while ensuring that all short-term objectives are met simultaneously
Ensure adequate customer retention strategies are employed to attain growth from existing customers
Enhance the Bank’s profitability through enhanced funded and non-funded income and management of costs to deliver on the overall financial performance of the Bank

Business Acquisition

Implement the Bank’s business development strategy at branch level including growth in customer base with concurrent growth in branch liabilities and assets and meet targets set under annual performance plans for the Branch.
Work with Business Heads of Departments to formulate and implement branch business plans, forecasts and budgets and ensure their control and periodic reviews
Support the business development team at the Branch in understanding customer needs and proposing solutions based on a relevant combination of the Bank’s current product and service offering (i.e. offer a suite of products and services that meets the client’s needs)
Identify and develop new and profitable businesses and sales volumes for all bank products while ensuring active cross-selling in all business development areas (Retail, Commercial, Treasury ), achieving targets for profitability, new customer acquisition, customer relationship growth
Contribute to the uptake of digital channels by all customers of the branch.
Support marketing initiatives and monitor and provide regular feedback on products performance.
Build and deepen relationships with existing and new clients to achieve increase in share of wallet and revenues
Drive revenue streams for the branch, both funded and non-funded income
Create a smooth interface between the various branch functions of Retail, Operations, Risk Management, Credit, Commercial Banking, Treasury, and Customer Service.

Customer Experience

Ensure customer satisfaction by upholding world class customer experience defined around speed and accuracy – First Time Right
Conduct personal visits to customers on a regular basis to optimize on sales and resolve all customer complaints and queries expeditiously
Work with Customer Experience team to ensure that branch customers are provided with a one-stop convenient, efficient and reliable total banking solutions
Ensure relationship managers and customer experience teams are in contact with customers to facilitate timely updates of any changes in the customer profiles and reduction of dormant accounts.

Operations & Compliance (Corporate Governance)

Oversee customer service delivery, maintenance and improvement of service standards in order to ensure customer satisfaction and retention.
Implement and monitor the operational risk management guidelines for the branch.
Manage operational and business risks and costs to maximize profitability
Maintain the look, feel and physical security of the branch premises, staff and customers.
Monitor compliance with both internal and external regulatory requirements. Ensuring that Shariah-related, Know Your Customer (KYC), Anti-Money Laundering (AML), and other policies are adhered to; ensure compliance implementation and compliance with operational policies and procedures.
Work closely with risk and compliance units to ensure effective controls to mitigate against operational and business risks.

Credit

Oversee the collection of all the required information and documentation required for credit processing from the clients—the goal is to ensure that complete credit applications are presented to the credit team, and support the relationship managers in advising the client of any missing information that would delay the processing of the application.
Keep customers (especially key customers) informed of the progress of their credit applications
Follow up with credit risk department and other support units to ensure timely approval and disbursement of facilities (help resolve any issues with the client as needed)
For high-value clients, contact the client immediately in the event of non-payment of a loan installment, and, if not resolved, take subsequent actions to recover credit in arrears according Bank procedures

Portfolio Management And Collection

Manage Portfolio at Risk relating to the Branch within acceptable level as per defined targets
Work with Relationship Managers and Assistant Relationship Managers in the region, and the credit monitoring team to prevent defaults on client’s payment.
Ensure RMs monitor alterations in the client’s business and to be aware of forthcoming client’s financial needs
Ensure Relationship Managers are in constant contact with clients and personally meet clients if required in the event of non-payment of an installment.

Team Management

Provide leadership, direction and pace to the branch team
Build, develop and motivate a high performing team.
Identify training gaps and recommend on required training interventions
Monitoring and evaluating performance of individuals to ensure maximum effort is directed towards achieving the department’s objectives; carry out performance appraisals against agreed set targets while accurately assessing individual strengths, developmental needs and timely feedback

Accountability

Growth in Customer numbers, both Retail Banking and Commercial Banking
Growth in liabilities, Growth in the Asset Book, Growth in revenues (both funded and non-funded)
Compliance to processes, procedures and regulatory requirements
Reduction of non-performing facilities
Increased utilization of digital channels

Skills, Experience and Competencies

Be a holder of Bachelor’s degree in Business related field
Professional banking qualifications such as AKIB will be added advantage
Knowledge of operational policies, procedures and legalities relevant to branch operations
At least 5 years’ managerial experience in the banking industry
Strong selling, communication and presentation skills
Ability to lead teams and deliver business results
Ability to successfully acquire clients, e.g. through activities such as identifying high-potential clients, make a compelling sales pitch based on a thorough understanding of a client’s needs, follow-up
Strong networking skills, both externally and within the Bank & Good negotiation skills
Dynamic individual, who takes pride in his/her work, and has the ability the thrive in a competitive and dynamic environment (working effectively under pressure)
Ability to prepare an effective work plan and organize his/her time in a manner that enables that plan to be implemented
Good product knowledge, both Shariah and other
Problem solving and analysis skills especially within a business context; good business sense is a key requirement
Professionalism, i.e. ability to win the confidence of, and work effectively with clients and colleagues
Ability to function effectively within a team-setting
Willingness to learn and accept feedback more