Job Purpose

The Job Holder is a key member of the Business Banking & SME Leadership Team responsible for the strategy execution and value proposition for the growth of the Mid Size SME portfolio.  

The role is responsible for TNR and PBT for the particular segment and performance management and coaching of members of the SME team. The jobholder will be responsible for business development... both with new customers and with existing customers where they are expected to increase “wallet share”.

Key Responsibilities


Develop and execute strategic plans for the Mid Size SME sub-segment business to meet revenue and profitability targets.
Grow the Mid Size SME  portfolio profitability by identifying and actualizing  opportunities in new and existing customer potential including sales opportunities and new product promotion initiatives.
Formulate and execute business development strategies and objectives to meet changing market needs
Manage performance of the Mid Size SME team against key financial, sales, service and operational targets.
Oversee development and distribution of relevant banking products across various channels.
Build and maintain strong relationships with clients and stakeholders.
Ensure compliance with laws, regulations, AML, and KYC policies.
Collaborate closely with Operations, Credit, Marketing, Risk, and Legal functions.
Monitor and manage segment's financial performance, taking actions to optimize revenue and control expenses and credit portfolio.
Represent the segment to external stakeholders through events and engagements.
Identify new business opportunities and benchmark industry trends to enhance market share.
Set objectives and promote employee engagement across the reporting team.


Job Dimensions:

Financial Responsibility:


Develop and Manage the Mid Size SME Banking Budget


Job Specifications

Academic Qualifications


Bachelor’s Degree in a financial management , accountancy, Social Science or related field


Professional Qualifications / Membership to professional bodies/ Publication


Relevant professional qualification;
Member of a relevant professional body


Work Experience Required


Over Seven (7) years’ relevant experience with over Four (4) years in management in a similar organisation.


Competencies:


Strong leadership skills
Executive disposition
Demonstrate high levels of integrity.
Excellent communication and interpersonal skills
Business/Financial acumen, business savvy and innovative
Ability to develop long-term integrated and cross-functional operational plans
Thorough understanding of the Banking Sector and credit exposure
Ability to create and maintain strong stakeholder relationships more

Job Purpose


This role is responsible for executing underwriting and credit operations, including conducting lending analysis, recommending credit decisions, managing credit operations for ecosystem partnerships.


Portfolio Analytics:


The role holder is responsible for driving lending margins by evaluating credit risk proposals and making recommendations that influence business... decisions, that align with the Business Model and Risk Appetite and Business objectives. 
They are also responsible for developing business intelligence dashboards to inform decision-making and facilitate risk monitoring and provide financial modeling to assess and predict profitability and performance of all products and/or services in the unit. They are also responsible for creating financial reports based on the impact of predictive modeling assumptions as well as developing various financial models and providing cost benefit analyses for business and strategic opportunities, market share, and profitability. 


Lending Operations:


The role will be the lead on Lending Operational areas to ensure the recovery of the Debt Portfolio, Management & Reconciliation of Funds allocated to product portfolios in partnership with the partners we work with to deliver various products.
They should have a passion for discovering solutions hidden in large data sets and working with stakeholders to improve credit performance outcomes, reviewing, compiling, and analyzing daily and monthly portfolio monitoring and collections reports, identifying data patterns and trends from available information sources.


Overall:


They will assist the Head of the unit to guide other team members in their roles and responsibilities in a manner that optimizes credit risk margins and operational risk.
They will also be the guide and focal point for all matters credit, finance and customer operations related to partnerships and liaise with internal stakeholders like Credit Risk, Finance etc.
He/she will ensure full compliance with The Group Credit Policy, Banking Act, and CBK Prudential Guidelines, Credit Reference Bureau (CRB) Regulations, and Co-operation Agreements across all partnerships.


Key Responsibilities


Establish and review risk tolerance thresholds based on Risk Appetite, manage and escalate exceptions to guard the bank against unacceptable credit losses arising from breach of KRIs 
Within above thresholds define portfolio management covenants and targets with the various partners.
Monitoring covenant and targets and agreed KPIs compliance and account performance to ensure risk stays within agreed thresholds.
Monitor key portfolio performance trends to ensure strong portfolio credit quality with a good balance of risk and reward to optimize Business opportunities and in line with business strategy and risk appetite


Customer


Work in close collaboration with the Business Teams to achieve the following for assigned portfolios
Regular quality reviews with partners and provision of analytics insights to identify risks/ opportunities and recommend relevant actions
Drive portfolio management, collections and recoveries initiatives through the credit cycle management framework together with the partners


Internal Processes


Support new initiatives through use of data analytics to develop and propose credit risk strategies
Define a framework for credit risk and portfolio management for the ecosystem and strategic partnerships
Identify and articulate inherent risks associated with lending propositions.
Assess the effectiveness and accuracy of new data sources and data gathering techniques.
Guide and lead design and implementation of digital first Credit Assessment and


Evaluation processes


Design, develop and implement financial models for decision support including predictive modelling to increase and optimize collections and recoveries, customer experiences, revenue generation, ad targeting and other business outcomes.
Review partner models for alignment with internal risk appetite and frameworks


Enablers


Ensure unit functions are executed in the most efficient way possible, leading to the overall efficiency of the team to meet business goals.
Foster continuous learning and job enrichment for high performance for team (where applicable)
Continuous demonstration of innovation using data to identify and develop high growth strategic partnerships
Design and maintain a functional structure that is best suited and adaptive to the commercial strategy. (where applicable)


Job Specifications

Academic Qualifications


Bachelor’s Degree in a business field
Professional Qualifications / Membership to professional bodies/ Publication
Relevant professional qualifications. 


Work Experience Required


Over seven (7) years’ relevant experience with two (2) year's team leadership in a similar organization or industry.
Experience in digital credit policy conceptualization, underwriting, operationalizing, and monitoring.


Competencies:


Experience in digital lending and fintech
Executive disposition and demonstrate high levels of integrity.
Strategic and innovative with the ability to sell the vision of the Bank.
Business/Financial acumen, business savvy and innovative
Ability to develop long-term integrated and cross-functional operational plans
Strong leadership skills
Good negotiation skills
Strong commercial acumen more

Job Purpose


In line with the process re-engineering team mandate, the role holder is responsible for executing end to end process reviews to drive radical changes in key customer facing and impacting processes: Eliminate, Simplify, Standardize and Automate to deliver a set of highly digitized processes that support the migration of transactions to electronic channels in line with the... organization’s strategic goals.


Key Responsibilities

The Incumbent will report to the Head of Process Re-engineering and will be responsible for:


Supporting functions across the organization in redesign (zero base approach), automation of processes, drive business efficiency, process optimization and reengineering.
Analyzing (As-is) core business processes and workflows, identifying gaps and proposing measures (to-be/ radically improved processes and workflows) to achieve dramatic improvements in productivity, cycle times and quality while ensuring that customer-centricity across processes is accomplished.
Championing process improvement and reengineering approaches that are technology led (intelligent process automation) to conduct process modernization projects across the organization that enhance customer experience and operational efficiency.
Driving processes that build cross-functional competencies and ensure end-to-end responsibility for a process and facilitate BPR engagements enabling the stakeholders arrive at the most ideal processes.
Implementing and managing processes for measuring the efficiency and effectiveness of business operations across the group.
Championing compliance to established SOPs, business processes and best practice guidelines.
Monitoring established processes to continuously track post implementation projects benefits
Collaborating with stakeholders during the visioning and concept development of a product.
Scoping requirements and create a roadmap
Translating business requirements to technical specifications for the development team
Working with relevant internal stakeholders to analyse the needs, research and align product roadmap to strategic goals
Championing process changes from a customers’ voice while taking the business aspects into consideration


Person Specifications

Academic and Professional Qualifications


Bachelor’s degree from a recognized institution.
Knowledge and certification in Lean transaction and Kaizen Methodology
Knowledge and certification in Business Processes Management.
Lean Six Sigma Certification - At least Green Belt, Black Belt is desirable more

Job Purpose


 The role is responsible for managing and supervising Branch cash services to ensure that customers get the best in terms of service delivery in accordance with the Bank’s policy, procedures and guidelines.


Primary Responsibilities


Ensuring that the Branch maintains optimum level of cash in liaison with the Central Cash department.
Ensuring safe custody of cash and... serialized stationery
Reconciling cash at the end of the day through a physical cash count and monitoring the intra-day cash limits for the tellers
Custodian of vault keys
Management of vault cash limits
Loading of ATM, m Responding to cash related queries
Queue management and monitoring activities in the Banking Hall through the CCTV
Verification teller entries within entries
Supervision of daily call back & archiving and monitoring to ensure sufficient cash & working optimally.
Retrieving cash and cheque deposits from the ATM


 Person Specifications

Academic Qualifications


Bachelor’s Degree in Business, Banking or related field.


Work Experience.


At least one (1) year relevant experience in a similar role in a similar sized organization.


Skills & Attributes


Planning & Organizational skills
Analytical skills and attention to detail
Strong oral and written communication skills
Interpersonal skills to manage stakeholders at all levels
Ethics and integrity
Excellent judgment and analytical abilities and impeccable integrity.
Strong commercial awareness and an ability to connect to business goals. more

Purpose


 The job holder is responsible for the overall management of the Branch operations to achieve and maintain good customer relations, operational efficiency and compliance with operational guidelines and procedures.


Primary Responsibilities


Conduct daily, weekly and monthly review of operations reports to ensure exceptions are acted upon or escalated within acceptable time... frames.
Approve new accounts in line with KYC procedures.
Ensure correct and accurate completion of all customer instructions and approve them for processing at central operations.
Manage operational risk and ensuring compliance with controls.
Implement audit recommendations pertaining to all the departments under the Branch operation’s jurisdiction.
Review and/or monitor transactions i.e. withdrawals, deposits, transfers and ensuring that any money laundering and fraudulent activities are identified.
Proactively monitor accounts to avoid excesses and reviewing overdrawn savings accounts and non-borrowing current accounts, in addition to following up with customers as per the prescribed procedure guidelines.
Review Inter Branch transactions report and ensure that the entries initiated by other Branches are bona fide and all outstanding items are reconciled and applied accordingly.
Review suspense GL Accounts; Holdover and Transit GL accounts on a regular basis to ensure that entry items are reversed within acceptable time frames.
Ensure availability of all service delivery channels to ensure customers are kept fully attended to and that expectations are met.
Supervise front office and Back-office operations to ensure quick turnaround time on service delivery.
Manage efficient, timely and accurate processing of customer enquiries and complaints.
Cross-sell the Bank’s products and services.
Ensure general maintenance of equipment and furniture at Branch level.


Person Specifications


Bachelor’s degree in a Business related field from a recognized institution.
At least 5 years relevant experience.
CPA (K), ACCA or its equivalent.
Member of Associate of Kenya Institute of Bankers (AKIB) or its equivalent professional body.
Excellent communication and interpersonal skills.
Excellent problem solving and decision-making skills.
Excellent change management and people management skills. more

Purpose


The role holder ensures customer service delivery levels are as per the Bank’s prescribed standard, customer satisfaction and retention.


Primary Responsibilities


Receive, verify, Authenticate, call back and processing thereof of all instructions delivered at the branch. Eg RTGS, TT, FDR, Forex conversions, stop payments, Treasury Bills, cheque book requests, card... applications.
Preparing audit confirmations, certificate of balance, interest certificate and opinion letters for customers.
Ensuring the completion of all Account opening Documentation and following up on deficiencies
Facilitating customers’ access to lockers
Attending to walk-in customers enquiries on account opening and products so as to maximize conversion of enquiries to sales
Responding to all written and oral complaints and enquiries received from customers
Handling of internal mail
Cross-selling the Bank’s range of products and services to existing and new customers and acquire new active accounts/Business.
Ordering of cheque books and cards as per customer specification.
Safe custody and management of Cards and cheque books
Collection of All service charges as per bank tariff to ensure Nil income leakage.


Person Specifications

Academic Qualifications


 Bachelor’s Degree in Business, Banking or related field.


Work Experience


At least one (1) year relevant experience in a similar role in a similar sized organization


Skills & Attributes


Planning & Organizational skills.
Analytical skills and attention to detail.
Strong oral and written communication skills.
Interpersonal skills to manage stakeholders at all levels.
Ethics and integrity
Excellent judgment and analytical abilities and impeccable integrity.
Strong commercial awareness and an ability to connect to business goals. more

Purpose


The role holder ensures customer service delivery levels are as per the Bank’s prescribed standard, customer satisfaction and retention.


Primary Responsibilities


Receive, verify, Authenticate, call back and processing thereof of all instructions delivered at the branch. Eg RTGS, TT, FDR, Forex conversions, stop payments, Treasury Bills, cheque book requests, card... applications.
Preparing audit confirmations, certificate of balance, interest certificate and opinion letters for customers.
Ensuring the completion of all Account opening Documentation and following up on deficiencies
Facilitating customers’ access to lockers
Attending to walk-in customers enquiries on account opening and products so as to maximize conversion of enquiries to sales
Responding to all written and oral complaints and enquiries received from customers
Handling of internal mail
Cross-selling the Bank’s range of products and services to existing and new customers and acquire new active accounts/Business.
Ordering of cheque books and cards as per customer specification.
Safe custody and management of Cards and cheque books
Collection of All service charges as per bank tariff to ensure Nil income leakage.


Person Specifications

Academic Qualifications


Bachelor’s Degree in Business, Banking or related field.


Work Experience


At least one (1) year relevant experience in a similar role in a similar sized organization


Skills & Attributes


Planning & Organizational skills.
Analytical skills and attention to detail.
Strong oral and written communication skills.
Interpersonal skills to manage stakeholders at all levels.
Ethics and integrity
Excellent judgment and analytical abilities and impeccable integrity.
Strong commercial awareness and an ability to connect to business goals. more

Job Purpose

 The role entails processing of remittances, clearing and all other customer instructions in a timely and efficient manner in line with laid down procedures to offer best service experience.

Primary Responsibilities


 Carefully vet and process cheques, ensuring accuracy and completeness.
Scan and correct cheques, notify stakeholders of in-house cheque statuses.
Reconcile... outward cheques, ensuring accuracy against reports.
Confirm rates with treasury as needed before processing.
Accurately process DMS instructions within SLA, minimizing errors.
Accurately process salaries and EFTs, reconciling accounts.
Manage standing orders and remittances on time.
Handle direct debit payments efficiently.
Timely and accurate processing of internal transfers
Address customer calls, queries, and complaints efficiently, resolving issues and promoting cross-selling initiatives.


Person Specifications

Academic Qualifications


Bachelor’s Degree in Business, Banking or related field.


Work Experience.


At least one (1) year relevant experience in a similar role in a similar sized organization.


Skills & Attributes


Planning & Organizational skills
Analytical skills and attention to detail
Strong oral and written communication skills
Interpersonal skills to manage stakeholders at all levels
Ethics and integrity
Excellent judgment and analytical abilities and impeccable integrity.
Strong commercial awareness and an ability to connect to business goals more

Job Purpose

The job holder is responsible for scaling up HR Service Delivery and provide distinctive employee experience as well as operational excellence in HR Services. Accountable for HR Governance, standards, processes and procedures. Responsible for all Risk and controls and assessment and remediation activities. Provide leadership and administration for employee total reward. Custodian of... HR Policies, Records and MI.

Key Responsibilities          


Propose innovative strategic initiatives in employee compensation and benefits as well HR Services
Lead strategic initiatives designed to ensure long term process improvement, cost reductions, and increased efficiencies.
Oversee establishment of key Service Level Agreements, quality targets and key performance indicators.
Understand varying business needs and priorities and align HR Operations priorities and ensure stakeholder expectations are met.
Collaborate with key stakeholders to deliver a total reward design, employee experience improvements, and operational excellence including quality assurance.
Lead the research, preparation, modelling and communication of HR Services plans, analyze projections and monitor expenditures before final approval by Senior Management.
Direct staff communications and education campaigns related to pay and benefits to ensure improved colleague experience.
Oversee the compensation and benefits administration to ensure proper benchmarking research and market competitiveness by the bank.
Provide support and guidance to HRBPs, HR specialists, Line Managers on internal processes and procedures related to different HR Services.
Partner with other areas to promote education efforts that drive employees and line managers to fully utilize available systems and tools as well as support in driving compliance to the relevant employment regulations, legislation and bank policy requirements.
Drive optimization of HR Technology and processes to simply and create exceptional customer experience.
Lead alignment between IT, Finance, HR Operations to drive optimization of available and planned HR Systems and technologies.
Contribute to the strategic direction of Human Resources through active participation on HR Operations Special Projects.
Management of third-party suppliers in compliance with the procurement policies.
Oversee the settlement of experts, supporting in the securing of housing and work permits in liaison with immigration.
Operational management of the staff medical scheme, Group Personal Accident (GPA) Group Life Scheme, Pension.
Provide leadership, coaching, mentoring and performance management, workload of the HR Operations team.
Provide regular and accurate progress reports and updated plans to key stakeholders and ensure timely and accurate reporting.
Be the focal point of contact for HR Audits- interface with I&M Bank Internal audit and Operational Risk Management teams on a range of governance requirements e.g. audits, attestations and control issues arising.
Define, plan and conduct regular snap checks, conformance tests and deep dive audits.
Oversee remediations of ineffective issues arising from the snap checks, conformance tests and audits.
Take ownership of the Risk Management process for HR including risk reporting to Senior Management.
Manage the BCM for HR


Job Dimensions:

Financial Responsibility:


 HR Operational Budget


Job Specifications

Academic Qualifications


Bachelor’s degree in accounting, Data analytics


Professional Qualifications / Membership to professional bodies/ Publication


Diploma IN HR
CHRP
CPA(K)


Work Experience Required


Eight (8) years’ relevant experience with over Four (4) years in management in a similar organization. more

Job Purpose

The role holder will support the AGM in driving the achievement of business objectives through the implementation of the HR Strategy, Policies and Practices to deliver on the bank’s overall business agenda and targets. The role is responsible for employee recruitment, onboarding, talent development, succession planning, talent retention, employee relations and staff welfare for the... assigned business units (Digital Business, Risk & Compliance, Credit, Finance & Procurement, Strategy, Internal Audit, Marketing and Customer Experience).  This role provides HR advisory support to the line managers and Heads of department assigned.

Key Responsibilities


Collaborate with line managers to analyze exit trends, propose talent retention strategies, and address issues arising from exit interviews promptly.
Ensure seamless orientation and integration of new employees, aligning them with HR policies, medical insurance, and their roles.
Confirm job descriptions and align KPIs for all staff, fostering clarity and accountability.
Implement organizational changes and initiatives aligned with unit strategies, including structure adjustments after talent reviews and department reorganizations.
Participate in HR projects such as Employee Engagement, Talent Reviews, and Job Evaluation, collaborating with consultants and line management.
Effectively implement approved payroll changes, confirm staffing requirements, and timelines in coordination with department/unit heads.
Assess staff development needs, collaborate with L&D for action, and support line managers in identifying high-performing talent for coaching and career planning.
Manage the performance appraisal process, talent reviews, and succession planning, while guiding performance moderation discussions.
Offer guidance to line managers on reward and recognition policies, ensuring alignment with guidelines.
Facilitate discussions and action plans based on employee engagement discussions, promoting positive relations between line management and staff.
Interpret and assess policy compliance within the business unit, providing guidance on adhering to policies and procedures.
Manage day-to-day incidents and disciplinary cases that don't require formal hearings, ensuring alignment with the Bank's values.


Job Dimensions:

Financial Responsibility:

Job Specifications

Academic Qualifications


Bachelor’s/Master’s degree in Human Resources, Law, Social Sciences, or Industrial Psychology


Professional Qualifications / Membership to professional bodies/ Publication


Higher Diploma in HR/CHRP


Work Experience Required


Over seven (7) years’ relevant experience with over three years in a similar role in a similar organization.


Competencies:


Planning & Organizational skills
Analytical skills and attention to detail
Strong oral and written communication skills
Interpersonal skills to manage stakeholders at all levels
Ethics and integrity
Excellent judgment and analytical abilities and impeccable integrity.
Learning design and facilitation
Strong commercial awareness and an ability to connect to business goals
Topical and in tune with the latest L&D trends across the market more