JOB PURPOSE STATEMENT

Reporting to the Head of Legal Services, The Legal Officer will be responsible for providing effective legal support to the institution, ensuring compliance with all statutory and regulatory requirements, and safeguarding the institution’s legal interests. The role entails contract management, credit documentation, litigation handling, regulatory liaison, and corporate... governance support

KEY MEASURABLE GOALS


Leadership
Legal Risk Management
Regulatory monitoring
Management of litigation
Documentation and perfection of securities
Support in Credit Statutory Debt Recovery processes
Stakeholder Engagements - Directors, Regulators, Shareholders, Industry player


KEY RESPONSIBILITIES

 Leadership role


Provide leadership and ensure efficient and effective management of staff and resources reporting to job holder including mentorship, coaching and training.
Liaise with the Head of Legal Services in conducting performance appraisals and ensure competency and training gaps are addressed.
Represent the Head of Legal Services in various internal or external meetings or committees when called upon.
Provide monthly and quarterly reports to the Head of Legal Services on job holder duties.


Litigation management


Maintain and update the database of cases and management of litigation
Review progress of outstanding litigation and liaise with on appropriate strategies for cases.
Collate documents and any evidence, identify and prepare witnesses in support of Bank cases
Diarize hearing notices for pending cases, follow up and update of outcome thereof to Head of Legal Services, Debt Recovery Unit (DRU) and Branch (where applicable).
Provide support to the Debt Recovery Unit in various recovery processes including but not limited to: -
Ensure compliance by DRU team on the necessary statutory requirements and processes.
Review and issuance of statutory notices
Legal advisory of various recovery matters
Manage external counsel handling various litigation matters including is suance of instructions, timely drafting of pleadings, review of pleadings; review of advocates performance.
Issuance of Legal opinions and advisory on various litigation matters.
Negotiation of out of court settlement with external advocates.
Management of legal costs associated with litigation.
Attending Court and representing the company in legal issues when required.
Review and manage demand letters from customers or third parties


Credit Documentation and perfection of securities


Draft, review and ensure proper facility letters, Bank’s standard forms and templates, securities documentation and service level agreements and standard agreements, properly drafted and legally enforceable to ensure compliance to regulatory changes and general securitization requirements to safeguard the bank’s exposure.
To capture, register, monitor, control and report all types of collateral offered by the customers and ensure that they are properly lodged for registration.
Liaise with external legal counsel to ensure proper preparation, execution, registration and perfection of securities within the agreed TAT as per SLA.


Legal Risk Management and Advisory


Provision of sound legal advise to the business/ staff on existing or emerging laws, operational requirements.
Continually reviews, develops and refines legal policies and procedures to determine their suitability for the bank’s requirements and recommends modification and upgrading to meet the desired standards and changes in the bank’s risk profile.
Participate in drafting and review of various risk policies and procedures to comply with the bank’s strategy and objectives
Ensure any policy or identified regulatory breaches are properly authorized at the correct level
Periodically do risk review of new and existing credit products and non-credit products with inherent risks and advise the management on remedial measures.
Manage the performance and relationships of third- party legal service providers
Monitor and manage Legal and Legal Product Risks within the business
Liaise with relevant departments to ensure that where legal risks have been identified, appropriate courses of action have been taken.
Provide and interpret legal information, conduct training and disseminate appropriate legal requirements to management and staff.


Corporate Governance and Board Support


Assist in the preparation of board papers, minutes, resolutions, and statutory filings.
Maintain statutory registers including registers of members, directors, and charges.
Support the implementation of good corporate governance practices.


Bank-wide AML KYC & CFT Responsibilities


Communicating and reinforcing the AML-CTF compliance culture established by the board.
Implementing and enforcing the board-approved AML, KYC & CFT policy within the Department.


Staff Supervision Responsibilities



Legal Contract Staff



Education


Bachelor of Laws degree from a recognized University
Post Graduate Qualifications- Diploma in Law
Advocate of the High Court of Kenya with current practicing certificate


Experience


At least five (5) years extensive legal experience either from the financial services sector or banking institution with extensive exposure to litigation, debt recovery and security perfection.
Working knowledge of both the legal requirements and lending practice for financial institutions, particularly lending to the different market segments
Exposure to CBK compliance requirements will be a definite advantage.
Ability to work with minimum supervision 


Knowledge and Skills


Technical Skills in Conveyancing and Securities documentation
Litigation and Debt Recovery Processes.
Ability to deal with and effectively Manage Senior Stakeholders confidently.
Proficiency in Computer Skills.
Strong Oral and Written Communication skills.
Honest, Transparent and demonstrate high level on integrity. more

Job Description

The purpose of this job is to support the Enterprise Risk Management and Compliance function through the implementation of the Risk Management and Compliance Framework within the standards defined by the Group, including the identification, measurement, monitoring and reporting of risk and enforcing compliance with policies, processes, procedures and... controls.

Responsibilities


Monitor implementation of the Group’s risk policies, procedures, standards, systems and guidelines and identify gaps to be closed (30%)
In conjunction with the Group Head of Financial Risk, conduct stress tests, sensitivity analysis and scenario simulations to update the Board and EXCO on the risks that the company is facing and how to mitigate them (20%)
Monitor full compliance against established risk standards/benchmarks and regulatory requirements, including transaction monitoring, tracking risk & compliance matrix and review of reports sent to the regulator (10%)
Identify potential areas of risk and control gaps; provide guidance on how to mitigate the risks identified; conduct follow-up to ensure corrective actions are implemented (10%)
Provide the necessary awareness among management and staff through guidance, communications, and training to ensure compliance with the company’s framework and methodologies, including internal policies, procedures, standards and guidelines (10%)
Provide regular reporting as required on risk and compliance, including Dashboards and Reports for Financial, Operational risk (including business continuity), compliance and  AML/CFT reports, quarterly Board reports, and Risk Management Reports MANCO (10%)
Adequacy of personal competence through continuous professional and technical education to effectively perform risk and compliance tasks (10%)


 Main Activities


Conduct identification and assessment of the risk gaps for each functional area /department of the company and recommend controls to reduce residual risk.
Conduct independent monitoring and oversight of the risk appetite limits.
In conjunction with the Group Head of Financial Risk, conduct gap analysis and stress tests for market, credit risk and liquidity risk to update the Board and EXCO on the risks that the company is running and how to mitigate them.
Prepare periodic reports to regularly update the financial and operational risk exposures and circulate them to the various Heads of Department for action.
 Review of Risk and Control Self-Assessment (RCSA), incidence reports, key risk indicators (KRIs), loss data collection, and conduct other risk analytics.
Assist in the development of the company Risk management standards reviews of all policies, policy guidelines and procedures that provide direction on processes within the company.
Assist with conducting compliance risk assessments with a focus on AML/CFT and assess AML/CFT risk from new products, delivery channels, and services and conduct annual AML/CFT risk assessment. 


Knowledge and Experience


Bachelor’s degree in actuarial science, finance, business administration or related field
Professional certifications or qualifications in Actuarial Science or Risk Management required.
A minimum of 5+ years in mid-level risk management experience in the insurance sector.


Skills and Competencies


Excellent communication skills.
Financial risk expertise highly preferred.
Demonstrated ability to motivate and manage a diverse team toward strategic goals of the risk management function.
Demonstrated ability to build consensus across various constituencies and achieve results through the effort of others.
Strong planning and organizational skills, with an ability to establish a strategic direction and subsequently outline initiatives and develop priorities in support of that vision.


Skills

Action Planning, Analytics Software, Budget Management, Computer Literacy, Data Analysis, Database Reporting, Data Compilation, Data Controls, Data Interpretations, Evaluating Information, Management Reporting, Numerical Aptitude, Report Review

Competencies


Business Insight
Communicates Effectively
Courage
Ensures Accountability
Financial Acumen
Instills Trust
Manages Complexity
Optimizes Work Processes


Education


NQF Level 7 - Degree, Advance Diploma or Postgraduate Certificate or equivalent more

Job Description

The Reporting Accountant – Life, plays a critical role in ensuring the accuracy, compliance, and timeliness of financial reporting for the Life business. This role involves preparing financial statements, managing regulatory submissions, reconciling accounts, and supporting financial planning and forecasting. Additionally, the role ensures adherence to internal controls,... facilitates audits, and collaborates with key stakeholders to maintain financial integrity.

KEY RESPONSIBILITIES

Financial Reporting & Compliance:


Prepare accurate and timely financial reports (monthly, quarterly, and annual) in line with regulatory requirements and internal policies.
Ensure timely preparation of audited financial statements, finance board papers, and key reporting packs, including consolidation packs, HFM submissions, and segment reports.
Maintain compliance with IFRS standards, including IFRS 9, IFRS 16, and IFRS 17.
Ensure timely preparation and submission of regulatory returns (monthly, quarterly, and annually) to the Insurance Regulatory Authority (IRA).
Support external and internal audits by managing deliverables, reconciling schedules, and ensuring audit findings are addressed within required timelines.


Reinsurance Accounting:


Liaise with underwriting and finance teams to ensure accurate recording and reconciliation of reinsurance transactions in the general ledger.
Ensure timely submissions of quarterly reinsurance accounts and prompt payment to reinsurers.
Prepare annual profit commission statements and ensure proper recognition in financial records.
Monitor and track cash call collections and adherence to reinsurance credit control policies.


Financial Planning & Analysis:


Support business planning, budgeting, and forecasting by providing accurate expense data and financial insights.
Assist in monitoring and controlling expenditures by reviewing requisitions and ensuring budget adherence.
Reconcile investment portfolios against asset managers’ and custodians’ records and ensure accurate investment income postings.


Month-End Close & General Ledger Management:


Oversee month-end closure activities, ensuring adherence to reporting timelines.
Perform reconciliations of general ledger accounts, including investment-related accounts, premium receipts, and asset records.
Ensure revenue recognition is timely and accurate by reconciling premium receipts with source systems.


System Implementation & Internal Controls:


Support implementation and testing of financial systems to enhance reporting efficiency.
Maintain and update the fixed asset register, ensuring proper accounting for acquisitions, disposals, and transfers.
Ensure adherence to internal financial controls and best practices in accounting processes.


Other Duties:


Facilitate IRA licensing applications and approvals for new managers and directors.
Undertake any additional responsibilities as assigned by management.


QUALIFICATIONS & EXPERIENCE


Bachelor’s degree in Finance, Accounting, or a related field.
CPA(K), ACCA, or an equivalent professional qualification.
Minimum of 1-year relevant experience in financial reporting or accounting.
Strong knowledge of life insurance products and industry regulations (e.g., Kenyan Insurance Act).
Proficiency in ERP systems and accounting software (e.g., Thought Express, Microsoft Dynamics AX).
Experience with IFRS standards (IFRS 17, IFRS 9, IFRS 16).


KEY SKILLS & COMPETENCIES


Financial Analysis & Reporting: Strong ability to analyze financial data and produce clear reports.
Attention to Detail: Ensures accuracy in financial reporting and reconciliations.
Time Management: Ability to work under pressure and meet tight deadlines.
Problem-Solving: Strong analytical skills to identify and resolve accounting discrepancies.
Integrity & Reliability: Upholds the highest ethical standards in financial reporting.
Collaboration & Communication: Works effectively with cross-functional teams and presents financial insights clearly.
Adaptability: Ability to adjust to evolving regulatory requirements and business needs. more

KEY TASKS AND RESPONSIBILITIES


Strategic Purchasing – continuous engagement with providers to ensure provision of high-quality, cost-effective care
Patient Experience monitoring – ongoing monitoring of patient feedback from the providers to guarantee great patient experience
Provider network management - maintain an updated provider panel, monitor adequacy of providers in all key regions... and conduct provider audits
Provider relationship management – organize service meetings, training on UAPOM
processes, obtain provider feedback and share relevant reports on providers
Provider contracting – coordinate contracting of providers and managing the provider contract lifecycle.
Customer service support - attend client service meetings to ensure delivery of superior customer experience.


SKILLS, KNOWLEDGE & COMPETENCIES


Excellent communication and negotiation skills.
Excellent interpersonal relationship skills.
Extensive networking with SP and other medical insurers.
Excellent analytical and monitoring skills
Good decision-making skills.
High level of integrity and honesty.


QUALIFICATIONS & EXPERIENCE


Diploma/Bachelor’s in nursing or clinical medicine
At least 2 years’ experience in a busy hospital setting
Prior relevant experience in health insurance is preferred
Extensive knowledge of public and private healthcare providers in Kenya
Any insurance certification will be an added advantage. more

Reporting to the Business Processing corporate Supervisor, the incumbent will optimally carry out corporate business processing in the department and ensure that customer standards are met.

KEY TASKS AND RESPONSIBILITIES


Ensure completeness of insurance documentations – KYC. These will include accurate details in the proposal forms, fully filled Group application form, COI, CR12, PIN... Certificates and checklists
Premiums Processing for schemes in the system as per the provided quote ensuring it is tallying with the manual invoice shared with the client
Process underwriting documentation. Ensuring that all introduced schemes have been reviewed and approved by the underwriter
Respond to inter departmental queries and complaints in a timely manner
Support the credit control team in adhering to their policies and procedures
Membership Management- Deletions, additions, member lists, deactivation letters etc. Always ensuring that you have instructions from the scheme contact person
Preparation of Virtual Medical cards, activation, deactivation.
New medical scheme set ups- Ensuring you have received the member list, underwriting summary, and instructions to proceed with onboarding of the scheme.
Resolve any customer complaints/issues/concerns in a prompt and professional manner, where necessary escalate to the various departments/authorities for closure.
Maintaining and updating the renewal tracker, card tracker and uploading of documents in share point.
Provide excellent and prompt customer service for maintenance of a positive reputation for the business.


SKILLS AND COMPETENCIES


Sound Technical Underwriting skills.
Intensive and extensive product knowledge
People Management and Overall Managerial Skills
Good analytical skills
Customer service skills
Good Communication Skills
Computer Literate with good knowledge of Excel


KNOWLEDGE & EXPERIENCE


Minimum 2 years’ experience.


QUALIFICATIONS


Degree in insurance or business related.
Professional qualifications (CII or IIK) or good progress more

Job Description


To assess, price and determine terms for risks presented within set standards of service in a manner to ensure quality selection of risks and timely service.
 Raise premium debits, credits in a timely manner within the TATs


PRINCIPAL ACCOUNTABILITIES.


Determine acceptability of risks, monitor and review terms of accounts assigned
Raise premium debits and... credits for work allocated within TAT  
Capture insured, risk, and premium data correctly in the system
Prepare and follow up renewal notices to ensure retention.
Requisition for premium refund to facilitate issue of cheque
Ensure that premiums are paid in respect of accounts managed
Maintain effective business relationships to ensure effective delivery of service
Maintain service standards to ensure high quality customer service is delivered.


KNOWLEDGE AND EXPERIENCE.

Qualifications:


1st Degree


Experience:


1 year experience is an added advantage. more

Responsibilities

Client Issue Diagnosis


Collate and conduct initial analysis of the information gathered through interviews and research to support the diagnosis of underlying client issues and problems and the design of single solutions.
Customer Service
Carry out a range of customer service activities, including handling customer cases and inquiries that are more complex or outside... the norm.
Community of Practice Management
Participate in a community of practice in a defined area of expertise or consulting to begin to build own expertise.
Product/Service Information
Provide basic product/service information and respond to basic customer questions about the product/service.
Data Collection and Analysis
Perform basic data entry tasks, including data verification.
Knowledge Management
Collect and create content, best practices, and case studies to capture and share knowledge.
Personal Capability Building
Develop and maintain excellent procedural or technical skills by participating in assessment and development planning activities as well as formal and informal training and coaching.
Solutions Analysis
Assess compliance with established standards and protocols for routine inquiries.
Operational Compliance
Follow a range of mandatory procedures to ensure that work is carried out to the required quality standards and/or to ensure adherence to external regulatory codes and internal codes of conduct.
Improvement/Innovation
Accept changes at work and provide support when asked. more

KEY TASKS AND RESPONSIBILITIES


End to end proactive management of Intermediaries and customer relationships for assigned portfolio of schemes.
Ensure superior customer experience is always provided to intermediaries/clients while working closely with other departments.
Track and report on delivery of OM Customer Service Charter to meet the NPS and NES targets
Contribute to the... profitable growth of the portfolio based on set annual targets through profitable retention of existing business
Responsible for obtaining and providing correct market intelligence on renewal/Tender business to ensure it is correctly/competitively priced.
Proactively manage and reduce all costs including cost controls for adverse performing schemes.
Support on excess, undertakings, and premium collection.
Adhere to all the processes, procedures and controls set parameters.
Train and increase uptake of all automation initiatives by clients/intermediariesand having gained comprehensive understanding of the same.
Demonstrate teamwork/spirit and continued personal development.
Any other duties that may be assigned by the management.


SKILLS AND COMPETENCIES

Technical Skills:


Health Benefit Plans Management
Presentation & Public speaking skills
Key Accounts Management
Customer Servicing
Ability to work independently in a fast-paced environment
Highly motivated, flexible and adaptable nature.
Good business acumen and good understanding of the market
Self-starter who shows initiative and is able to work under minimal supervision
Personal and professional ethics.
Generic Competencies:
Planning and Organising
Analytical Thinking & Risk Management
Process Discipline and Quality Orientation
Decision Making
Business Acumen
Strategic Orientation
Result Orientation
Developing Self/Others
Culture sensitivity on Diversity, Equity and Inclusion


KNOWLEDGE & EXPERIENCE


2-3 years’ experience in the insurance industry preferably in client servicing
Experience in handling SME/Corporate clients/portfolio is a must.
Sales experience and excellent report writing communication and interpersonal skills.


QUALIFICATIONS & ELIGIBILITY


Required Experience
2-3 years’ experience in the insurance industry preferably in client servicing
Experience in handling SME/Corporate clients/portfolio is a must.
Sales experience and excellent report writing communication and interpersonal skills.


Educational Requirement


University Graduate in business related degree com/Finance/Business
Administration Administration-Insurance Option/Marketing/Economics
Professional insurance qualifications - CII/COP is an added advantage.
Proficient in the use of Microsoft office suite & packages (word, excel, PowerPoint) more

Job Description


A Temporary employee in the Rest of Africa business.
Provides a service as a temporary employee covering many fields.

The Unit Manager will oversee a unit where he/she will be responsible for attracting, recruiting, and retaining sales agents to deliver the set insurance sales revenue targets. The role is on a contractual basis and reports to the Head of Retail – Health. The Role is Based at the Thika Branch.

KEY TASKS AND RESPONSIBILITIES


Delivery of business plan targets, including Revenue,... Persistency, and Business Mix
Recruitment and retention of Agents
Effective monitoring and evaluation of agents in their respective units
Setting out relevant plans and daily activity work schedule for the unit
Ensure agents have the necessary support systems to assist them in delivering their budgets
Implementing training programs to support skill development and competence.
Opening new markets
Advise the business on opportunities/threats that are presented by such activities.
Enforcement of performance management processes as specified by the business
To uphold the brand image and ensure compliance with all internal as well as external regulations


SKILLS AND COMPETENCIES


Excellent Communication skills
Strong Negotiation skills
Emphatic Listener
Able to Plan and organize meetings and activities for the Unit
Able to build and bond together a team
Must have leadership ability and Sales and Marketing skills
Market intelligence and business development skills
Able to handle and resolve Conflicts


QUALIFICATIONS, KNOWLEDGE & EXPERIENCE


A Degree/diploma in a business-related course
Must have at least 3 years’ sales experience in the insurance or financial services sector
2 years’ experience as a Unit/Agency Manager in the insurance or financial sector will be an added advantage
Must have a COP Certificate
Must have a current IRA license
A successful track record of selling in the financial services sector, teaching, or any other relevant profession
Demonstrable insurance sales experience as a tied agent
Knowledge of legislation governing insurance in Kenya
Proficient in the use of the Microsoft Office suite and packages more

KEY TASKS AND RESPONSIBILITIES


Delivery of business plan targets, including Revenue, Persistency, and Business Mix
Recruitment and retention of Agents
Effective monitoring and evaluation of agents in their respective units
Setting out relevant plans and daily activity work schedule for the unit
Ensure agents have the necessary support systems to assist them in delivering their... budgets
Implementing training programs to support skill development and competence.
Opening new markets
Advise the business on opportunities/threats that are presented by such activities.
Enforcement of performance management processes as specified by the business
To uphold the brand image and ensure compliance with all internal as well as external regulations


SKILLS AND COMPETENCIES


Excellent Communication skills
Strong Negotiation skills
Emphatic Listener
Able to Plan and organize meetings and activities for the Unit
Able to build and bond together a team
Must have leadership ability and Sales and Marketing skills
Market intelligence and business development skills
Able to handle and resolve Conflicts


QUALIFICATIONS, KNOWLEDGE & EXPERIENCE


A Degree/diploma in a business-related course
Must have at least 3 years’ sales experience in the insurance or financial services sector
2 years’ experience as a Unit/Agency Manager in the insurance or financial sector will be an added advantage
Must have a COP Certificate
Must have a current IRA license
A successful track record of selling in the financial services sector, teaching, or any other relevant profession
Demonstrable insurance sales experience as a tied agent
Knowledge of legislation governing insurance in Kenya
Proficient in the use of the Microsoft Office suite and packages more

Job Description

Are you a dynamic, innovative, and driven individual looking to launch your career in Kenya's fast-paced banking industry? Faulu Microfinance Bank is looking for talented interns to join our teams in Marketing, Digital & Transactional Sales and Legal functions.

This is a perfect opportunity for individuals passionate about understanding consumer needs, crafting compelling... messages, and creating memorable brand experiences, as well as for problem-solvers excited by technology, business, and sales who want to contribute to cutting-edge digital solutions; and for analytical minds keen to navigate the legal landscape of the financial sector.

Internship Opportunities:

Legal Interns:


Explore the legal intricacies of banking. You'll assist with legal research, support contract review and drafting, contribute to compliance and risk management, and learn about providing advisory support within a corporate legal framework.


Requirements:


Must have graduated with a first degree within the last 12 months or be awaiting graduation.
Must be a Kenyan citizen.
Must be available for the entire internship duration.
Should NOT have undertaken any other internship or gained significant work experience related to your field since graduating.
Must provide a recommendation letter from your university. more

Job Description

Are you a dynamic, innovative, and driven individual looking to launch your career in Kenya's fast-paced banking industry? Faulu Microfinance Bank is looking for talented interns to join our teams in Marketing, Digital & Transactional Sales and Legal functions.

This is a perfect opportunity for individuals passionate about understanding consumer needs, crafting compelling... messages, and creating memorable brand experiences, as well as for problem-solvers excited by technology, business, and sales who want to contribute to cutting-edge digital solutions; and for analytical minds keen to navigate the legal landscape of the financial sector.

Internship Opportunities:

Digital & Transactional Sales Interns:



Get hands-on with the full lifecycle of digital solutions, from designing and developing products to their release and Go-to-Market strategy, including working on Digital Financial Services (DFS) like Mobile Loans and Internet Banking.



Requirements:


Must have graduated with a first degree within the last 12 months or be awaiting graduation.
Must be a Kenyan citizen.
Must be available for the entire internship duration.
Should NOT have undertaken any other internship or gained significant work experience related to your field since graduating.
Must provide a recommendation letter from your university. more

Job Description

Are you a dynamic, innovative, and driven individual looking to launch your career in Kenya's fast-paced banking industry? Faulu Microfinance Bank is looking for talented interns to join our teams in Marketing, Digital & Transactional Sales and Legal functions.

This is a perfect opportunity for individuals passionate about understanding consumer needs, crafting compelling... messages, and creating memorable brand experiences, as well as for problem-solvers excited by technology, business, and sales who want to contribute to cutting-edge digital solutions; and for analytical minds keen to navigate the legal landscape of the financial sector.

Internship Opportunities:

Marketing Interns:



Dive into Product & Research and Experiential Marketing, contributing to market analysis, product launches, and engaging campaigns.



Requirements:


Must have graduated with a first degree within the last 12 months or be awaiting graduation.
Must be a Kenyan citizen.
Must be available for the entire internship duration.
Should NOT have undertaken any other internship or gained significant work experience related to your field since graduating.
Must provide a recommendation letter from your university. more

JOB PURPOSE STATEMENT

Working closely with the Manager MSME Credit Analysis he /she will ensure compliance with internal credit policies & procedures and facilitate prudent management of credit risks while ensuring compliance with the CBK prudential guidelines. He /she will also ensure that all SME Credit proposals from the branches are reviewed for credit risks in accordance with internal... policies and procedures, CBK prudential guidelines and best practice .He /she shall safeguard the institution against loss by ensuring accuracy, completeness and credit worthiness of SME proposals, recommend appropriate risk mitigation mechanisms such as proper securities and their perfection, relevant sanction conditions and post disbursement follow ups.

KEY MEASURABLE GOALS.

Management of credit risks through analysis and recommend approvals for facilities within the Institutions tolerable risk levels Adherence to internal credit policies and loan administration procedures Ensure that the PAR of MSME Portfolio is within target Ensure high turnaround time (TAT) MSME Credit proposals

KEY RESPONSIBILITIES.


Analyze the MSME Credit requests against all the canons of lending (Character, Capacity , Conditions  , Capital , and Collateral  ) as a basis for making approval / decline recommendations
Support credit facilities for approvals based on 1 above and ensure accuracy and compliance by relevant Head office  Credit Committees
Support Branches in packaging of facilities when required
Conduct site visits for construction to enable trach disbursement when required
Prepare draft board papers for facilities requiring approval by the Board Credit Management Committee of the board for further review by management at Credit Administration departments
Review Solve chain applications for completeness of documents and limit allocation in the platform
Follow up with the branches to ensure fulfillment of ALL sanction conditions and other covenants prior disbursement of the facilities.
Support Retail credit teams by review and approvals of Retail facilities on need basis using the canons, policy and product fact sheet(retail, Staff and OM)
Adoption of Valuation reports based on Policy discounted margins and acceptable collaterals and submission security perfection officer
Recommend policy reviews for customer service and risk management improvement based on experiences and industry trends.
Adhere to all the due diligence measures when establishing customer relationships as enshrined in the Bank's AML, KYC & CFT policies, procedures and guidelines.
Facilitate training on Credit as to when required to existing and new staff
Undertake annuals financial spreads for FIs to enable allocation of counter party treasury limits
Do any other duties that may be assigned by the Management.
The incumbent will be responsible for ensuring adherence to, implementation of, and adoption of Compliance, Anti-Money Laundering (AML), and Sanctions-related policies, procedures, and process requirements within Old Mutual and its subsidiaries. This includes execution of customer due diligence processes, ensuring compliance with Know-Your-Customer (KYC) standards, conducting ongoing and enhanced due diligence, and maintaining data quality. Additionally, the role involves identifying and monitoring potential AML, Sanctions, or Compliance breaches and unusual activities, and escalating these concerns to the Risk and Compliance Office for further action.


Education

Business related degree

Desirable

Credit Risk Management Course

Knowledge and Skills


2 year experience in credit analysis in an SME environment, debt collection and recovery.
 Knowledge in accountancy an obvious advantage


Personal Attributes


Capacity and willingness to work for long hours and within strict deadlines
Excellent interpersonal skills
High degree of confidentiality
Analytical mind.
Knowledgeable on the Financial services sector
Assertive
Fast in decision making
Honest
Highly organized
Creative and Innovative
Proactive
Good team player more

JOB SUMMARY

Management of the Customers and all issues/matters relating to walk-in, email or other channels of communication.

KEY TASKS AND RESPONSIBILITIES


Timely report of NPS collection and other customer related reports 2. Handle, resolve and document customer complaints.
Complete accurate and timely documentation of all services provided to callers.
Support the branches,... Call Center and front facing teams with customer information as and when.
Respond to customer incoming calls as per agreed TATs
Ensure closure of CRM issues – liaise with other team members to close
Carrying out customer surveys, social media, and email management.
Retrieval and send out Monthly statements to customers in line with the OM confidentiality guidelines.
Respond to Customer audit/financial requests as and when 10. Research required information using available resources.
Escalate / liaise with other teams on any issues which require further consultation.
Provide customers with product and service information in line with OM confidentiality guidelines 13. Liaise with the Group CX unit and attend CX forums as necessary.
Adherence to AML/KYC/Risk & Compliance
Performs all other tasks as assigned by the line Manager.


Qualifications & Experience

Competencies


Basic level of proficiency with Windows based applications such as MS Office, Excel, Word
Proficient ability to analyse data and develop recommendations.
Strong verbal and written communication skills
Ability to maintain a positive, empathetic, and professional attitude toward customers at all times
Excellent interpersonal and communication skills that help with serving clients.
Ability to learn new tasks/duties quickly (learning curve)
A good team player
Timely and organized.
Continuous involvement in projects geared towards improving the customers’ experience.
Proactive participation and support of operation’s initiatives


Skills and competencies


Business related degree
Customer service experience from a Multinational an added advantage
Knowledge in customer service principles and practices
Professional experience in an office setting using the telephone and computer as primary instruments to perform duties
Ability to stay calm when customers are stressed or upset more

JOB PURPOSE


The role holder will be responsible for ensuring the Old Mutual Investment Group KE business's compliance with Anti-Money Laundering (AML); countering Financing of Terrorism and Proliferation regulations, mitigating financial crime risks, and maintaining a robust AML/CFT/CPF program. The role involves implementing policies, procedures, and controls to detect, prevent, and report... suspicious transactions while safeguarding the Old Mutual's reputation and financial integrity.


PRINCIPAL ACCOUNTABILITIES.


To assist the Old Mutual’s Accountable Person in discharging their statutory reporting obligations in terms of the Anti-Money Laundering, Anti-Terrorism and Combating Proliferation act and regulations.
Implement the Risk Management and Compliance Program, determine controls and procedures to mitigate money laundering (ML), terrorist financing (TF) and proliferation financing (PF) risks in-line with the AML/ Counter Terrorist and Proliferation Financing (CTPF) Risk Management and Compliance Programme (RMCP).
Design, implement or review existing processes regularly to identify gaps and potential inefficiencies and contribute development and implementation of new processes or working instructions
AML/CFT/CPF alerts management -Investigate and manage timeously transaction monitoring; watchlist (UN/OFAC/HMT/EU hits) or PEP alerts
Investigate and escalate immediately material AML, CFT/CPF and sanction breaches, risks, risk events or material non-compliance to the MLCO or Group AML Officer
Deliver holistically on all the regulatory and internal reporting requirements. Discharge mandatory reporting obligations by reporting suspicious transactions to MLCO, for onward reporting to Financial Intelligence Authority (FIA).
Remaining fully up to date with AML/CFT/CPF legislation/guidance in Country and ensuring timely updates to implement changes in legislation/regulation.
Product risk assessments and new product approvals – support the business as the subject matter expert on AML/CFT/CPF product risk assessment governance and approvals.
Regularly reporting to the senior management to ensure that AML/Sanctions /CFT/CPF and Regulatory Compliance risks are adequately identified, understood and managed.
Continuously develop and review the AML/CFT/CPF/ Sanctions and Regulatory Compliance systems to ensure they remain up to date, meet current statutory and regulatory requirements and are effective in managing AML/Sanctions /CTF and Regulatory Compliance risks arising from the business.
Provide advice to all relevant departments/ divisions in the performance of their duties in accordance with the AML/CFT/CPF policy and regulations
Responsible for the development and implementation of a robust, continuous AML/CFT/CPF/ Sanctions training program for all staff and intermediaries.
Cooperating with Risk and Compliance Manager or Group AML Officer on requests for information, reviews, audits and investigations on the Anti-Money Laundering Act/AML/CFT/CPF related investigations.
Conduct the AML/CFT/CPF Business Risk Assessment in line with regulatory and RMCP requirements.
Assisting the Risk and Compliance Manager in the development, implementation and maintenance of compliance risk management and monitoring plans for Old Mutual Investment group KE, specific to AML
Conduct due diligence review on strategic business partners to evaluate potential AML/Sanctions /CTF and Regulatory Compliance risks.
Controlled Disclosure
Maintenance of records related to AML/ CFT/CPF duties specified above including training records, review reports for back testing, supporting documents used to resolve alerts etc.
Ensuring effective and timeous reporting in respect of AML regulatory requirements, risks identified and overall AML/CFT/CPF compliance of Old Mutual entity, to various stakeholders within the organization including loading in CURA.
Handle other duties as assigned to assist overall regulatory compliance.


KNOWLEDGE AND EXPERIENCE.

Qualifications:


Degree in Compliance, Legal, Risk Management or any related field.
Certificate in Anti Money Laundering and Compliance Management.


Experience:


2 years’ work experience.


SKILLS AND COMPETENCIES.


Strong understanding of AML regulations and guidelines.
Excellent analytical and investigative skills.
Proficient in data analysis and reporting tools.
Strong communication and interpersonal skills.
Ability to handle confidential information with discretion.
Proven experience in AML compliance within the financial services industry.
Possesses a strong sense of ownership and initiative as well as a proactive mind-set more

JOB SUMMARY

The main aim and purpose of the role is to ensure that there is delivery on daily production through taking personal responsibility for delivery as well as collaborating effectively with other team members. Production should be within service and delivery standards set by the standardised processes. This role also responds to administrative queries per the set timelines. This role... is responsible for building and maintaining relationships with other departments that its dependent on.

KEY TASKS AND RESPONSIBILITIES

Operational Efficiency


Manage time, tasks and outputs to meet predetermined requirements, task cycle times and/or work deadlines.
Follows standardised processes, provides administrative support, delivers on daily production standards and adheres to service and quality standards in order to deliver on:

Daily processing of instructions and raw data into Hiport (cash entries, investments and settlements).
Preparation and timely dispatch of investment & withdrawal instructions to the various Custodians.
Daily Unit Trust pricing.
Daily cash account reconciliations.
Daily unit reconciliation between Hiport & Retail System
Month asset recon for custodian accounts
Queries management.


Relationship building by:
Providing telephonic and face-to-face service to internal & external stakeholders.
Managing the relationship with other departments.
Implement and adhere to internal processes.
Monitor system performance and recommend modifications so that the unit can take best advantage of information systems technology to meet the unit’s goals and objectives.
Take up and deliver on any other activities/projects that may be delegated by management.


Risk Management, Internal Governance and Compliance


Escalate risks/control breaks to management when identified. Assist in management of those risk/control breaks
Assist in audit management process as required by manager
Compliance to all regulatory requirements and internal policies


 Financial Management


Assist in management of unit’s budget by avoiding wastage of resources and managing own expenses.


SKILLS AND COMPETENCIES


Good communication skills (written & oral)
Excellent Computer packages (word/excel ) knowledge.
Good assessment, analytical and problem-solving skills
Ability to interact at all levels.
Financial management & report writing skills.
Proven planning, co-ordination and time management skills
Business Awareness
Attention to detail


KNOWLEDGE & EXPERIENCE


At least 2 years’ relevant experience
Knowledge of financial service operations
Technical Knowledge – product, process and KYC/AML compliance requirements knowledge.
Proficiency in the core Business Systems.


QUALIFICATIONS


Business related Degree
A background in custody services is an additional advantage.


Skills

Accounting, Action Planning, Budget Management, Calendar Coordination, Computer Literacy, Data Analysis, Database Reporting, Data Compilation, Data Interpretations, Executing Plans, Financial Acumen, Management Reporting, Numerical Aptitude, Oral Communications, Report Review more

Job Summary

Provide first contact customer support through the available channels in the Bank’s 24/7 Contact Center

KEY PERFORMANCE INDICATORS


Transactional Customer Satisfaction Index and/or NPS Score
Number of resolved client queries at first contact.
Service Quality Assurance Score
Adherence to Service Level Agreements & Schedule
Campaign reach rate
Compliance to KYC/AML... and applicable banks processes and procedures
Product and Process Post Training Score


KEY RESPONSIBILITIES


Handle customer enquiries and concerns through the various channels in the Contact Centre and Reception.
Obtain information necessary to respond appropriately to customer requests or route interactions.
Ensure adherence to schedule & managing of customer interactions for delivery of planned Service Level.
Identify and escalate/route complex customer issues to the appropriate person/department for resolution as per the escalation matrix. 
Receive and process customer’s instructions as per procedure.
Onboard customers onto the digital platforms & encourage utilization.
Document all interactions according to the standard operating procedures. 
Make outgoing calls to customers’ existing and potential customers and track details of the interaction as prescribed in the campaign. 
Build value demand by educating customers about available services, products, or benefits to sell, cross sell and upsell.
Initiate investigation through escalation of complaints not solved on-line to the Back-office Team and Contact Centre Operations Manager.
Support in Service Quality Audits from time to time.
Any other duties as shall be assigned from time to time.


Educational Qualification


Undergraduate degree from a recognized university.


Professional Qualifications


 Certification in contact center or customer services is an added advantage


Knowledge and Skills


Excellent command of written and spoken English and Swahili.
Experience manning multiple queues.
Experiencing using Customer Relationship Management Tools Knowledge of KYC/AML and Data Privacy
Knowledge of customer service principles and practices. 
Excellent data entry and typing skills.
Proficient in MS Office Applications


Experience


1 year work experience in a financial institution, front facing or Contact Centre role in the service industry more

KEY RESPONSIBILITIES


Manage and resolve end user calls logged onto the Helpdesk system
Develop accurate reports regarding the progress of all categories of registered tickets on helpdesk and circulate the same on a daily basis
Perform software/hardware installation, updates including formatting, hot swapping, ghosting etc. on all HQ and branch support PCs
Perform telephone... support/online support to various functions of the organization
Ensure full compliance of McAfee antivirus DAT updates on all Desktops and Servers
Plan and implement Software update services for patch management on Servers and desktops
Carry out quarterly preventive maintenance based on a well known schedule
Diagnoses and resolves end-user network or local printer problems, PC hardware problems, e-mail, Internet, and local-area network access problems.
Creating and modify user profiles in Active Directory.
Carry out daily, weekly, monthly, quarterly and end of year backups for all Departmental, Home and other folders and may be available from time to time.
Play an active role in the successful Implementation of ICT Projects, Active Directory design and implementation, SharePoint Deployment, customer images management, backups and security configuration.
Manage Windows 2003 Web, Antivirus and Domain authentication servers.
Develop an upgrade plan to Windows 2008 and Exchange 2007 upgrades.
Carry out any other ICT duties/tasks as may be assigned from time to time by the supervisor or his appointee more