Job Purpose:


Responsible for processing and settlement of securities transactions, safekeeping of client assets, managing corporate actions, reconciliations, invoicing and fees collection, client valuation reporting, account setup and onboarding, and facilitating payment of broker invoices, while ensuring compliance with custody regulations and service standards


Key... Responsibilities


Process buy/sell transactions for equities, bonds, and other investment instruments.
Coordinate trade settlement with Central Bank, CSD, brokers, and market intermediaries.
Track and process corporate actions (dividends, interest, rights issues, bonus issues).
Perform daily securities and cash reconciliations, resolving breaks promptly.
Prepare periodic custody reports for clients and regulators
Prepare and distribution of client invoices
Ensure timely billing and collection of custody fees in line with contractual terms.
Monitor outstanding balances and follow up on payments with clients.
Facilitate client onboarding including custody account setup, KYC documentation, and market registration.
Process and facilitate payment of broker invoices in line with agreed procedures.
Ensure adherence to CMA, NSE, CDSC, RBA, CBK, IFRS, and other regulatory requirements.
Maintain accurate transactions, billing, and client records; support audit/compliance reviews.
Support process improvements, custody system enhancements, and operational efficiency.
General administrative day-to-day tasks within the department: telephone handling, mailing, dispatch.
Support financial and business growth targets assigned
Any other official duties that may be allocated by management from time to time


Qualifications:


Bachelor’s degree in finance, Accounting, Economics, or related field.
CISI certification
2–3 years’ experience in custodial operations, securities settlement, or related banking functions.
Have an understanding for the RBA, NSE and CMA regulations and trading rules.
Knowledge of financial markets, investment instruments, custody regulations, billing, and client onboarding processes.


Personal Attributes/Competencies:


Strong communication and administrative skills, with attention to details
Analytical and reconciliation skills
Knowledge of financial instruments and market operations
Create a high-level trading environment for internal and external customers.
Superior organizational skills.
Client service orientation more

Job Purpose:


The Check-off Support Scheme Admin will have a key responsibility for the quality of the centralized check off loan portfolio by ensuring timely lodgment of data and speedy communication to branches whilst constantly monitoring and reconciling the loan book to ensure up to date information on individual loan account status


Duties and Responsibilities.


Develop and... maintain a good relationship between the bank and the check-off loan employees.
Offer accurate information about the bank’s products and other services.
Ensure timely lodgments of check off loans are carried out and feedback to branches given in line with SLAs.
Ensure timely collection of by products and cheques for check-off loan repayments.
Full Reconciliation of loan repayments, loan balances and uploading of funds from employers in liaison with supporting head office units.
Constantly interacting with branches and giving feedback on matters related to check off loans in terms of payments, non-payments and loan status.
Monitoring of delinquent and non- performing portfolio of loan accounts and advise Branches timely on dropped cases/ non-payments for heightened recovery measures/ Re-advice.
Issuance of stop orders of the cleared loans.
Prepare monthly status reports for each scheme company/ employer and MI reports.
Coordinate scheme related activities to enhance service delivery, penetration and improve the check off portfolio.
Manage all aspects of risks associated with check-off loans.
Any other duties as may be assigned by management.


Qualifications


Hold a bachelor’s degree in business or related field.
At least three to four (3-4) years relevant work experience in both credit and operations (personal banking and/or credit/ scheme loans administration).
Have a proven performance record.
Sound knowledge of Bank products and services.
Knowledge and effective application of Bank policies, processes, procedures and Central Bank
Prudential Guidelines to consistently achieve required results at Check-off support.
Computer skills: Ability to use MS Word, Power-point, Advanced Excel and Analysis of Data


Key Competencies


Excellent interpersonal skills with the ability to effectively work with individuals and groups at all organization levels; ability to work independently and as part of a team.
Evidence of the ability to prioritize tasks, organize and deliver results in a demanding environment.
Ability to work accurately with close attention to detail; must have eye for details, strong ability to scrutinize and examine.
Excellent customer service skills with the ability to respond to inquiries or complaints effectively and in a timely manner.
Should be innovative in identifying new ways of improving the check-off lending and perfection process.
Uplholds high standards of Professionalism, Integrity and respect for others.
Willingness to adapt to changing business needs and deadlines. more

Job Purpose:


To support DFS Back-office Manager in driving and delivering excellent business performance through effective processing, settlement and reconciliation of the card transactions and ensuring optimum productivity, operation efficiency and outstanding customer service.


Duties and Responsibilities.


To manage the operations of card transactions, reconciliations, and... postings thereof.
Manage Customer Service issues, by responding to and following up on enquiries from branches and call center by email and telephone.
Responsible for identifying and reporting potential and actual Money Laundering Risk related to prepaid cards, including suspicious transactions in accordance with the laid down AML policies & procedures.
Disputes: Solving of Credit Cards ON –US Transactions, Credit Cards Top Dispute, Prepaid Cards
Transactions, Family Pay Mobile Transactions and Card Paybill disputes.
Support Card Business in Credit Card income postings.
Posting: Prepare batches/entries for posting on the various items identified Visa Cash and POS reconciliations.
Support closure of Audit recommendations in cards Operations.
Attend and participate in DFS Operations meetings as may be called by the manager.
Ensure compliance with Family Bank’s Policies and Procedures while executing your roles.
Daily monitoring: monitor and maintain an up to date position of all the Assets and Liability accounts assigned to you and monitor respective trial balance for accurate reporting.
Balancing, reconciliation for posting items: Balancing of all control accounts assigned to and reconciliation of outstanding items posted in the system.
Training –Ensure to learn on all areas relating to DFS Operations.


General Administration.


Propose/ review amendments to Procedures for efficiency and effectiveness of settlement, reconciliations of cards suspense accounts.
Handover / Takeover as team members proceed on leave.


Cost Control.


Liaison with ICT and other Departments to ensure smooth operation of work
Liaise with service providers e.g. Interswitch, Kenswitch, Mastercard and Visa on complaints from branches,
Preparation of quarterly Mastercard/visa certificates within the stipulated timelines.
Any other operational duty as may be assigned by the management.


Academic Qualification(s):


University Degree in Business administration, or equivalent; or Advanced Diploma in Accounting, Finance, Economics or Business-related field.
HR Department Doc
Have a minimum of One (1) Year relevant work experience in a commercial bank, thorough knowledge of Banking Procedures.
Thorough knowledge of banking prudential guidelines pertaining to account opening and KYC requirements.
ACIB/AKIB/CPA and/or other banking professional qualifications would be an added advantage


Key Competencies


Organizational skills to effectively prioritize work schedules and manage operational risks
Interpersonal skills to effectively communicate with and manage customer expectations (internal and external), and other stakeholders who impact performance.
Versatility in handling various tasks
Knowledge and effective application of all relevant banking policies, processes, procedures and guidelines to consistently achieve required compliance standards or benchmarks.
Teamwork and trust to support performance and customer-service oriented culture.
Have thorough knowledge of the various services, possible problems and the different processes and solutions.
Good communication skills & polite response to customers’ queries
Ability to work under pressure, and patience in solving cases
Professionals handling bank information with confidentiality.
Effective time management in resolving issues.
Achieve set audit standards with no repeat exceptions.
Live and practice Family Bank Values without compromise more

Duties and Responsibilities. 

Strategy 


Coordinate development of Strategic plan 
Develop annual business operating plan 
Prepare/ oversee preparation of budgets 
Monitor strategy execution and ensure engagement of business teams and investors on regular basis. 
Support different division leaders on strategy execution 


Capital management 


Identifying and engaging... potential investors, shareholders and debt providers 
Ensure bank capital needs are always met 
Ensure optimal capital structure 


Reporting 


Oversee the reporting of monthly financial results of the group 
Prepare/Reviews and reports on the financial performance of the various business segments and make  appropriate recommendations. 
Review performance with Heads/Line Managers and identify drivers and improve performance within  their divisions. 
Work with Business finance partners to support business 
Prepare monthly updates to the Board and Shareholders 
Coordinate the preparation of the board committee’s reports 
Reviews the organization’s financial performance and prepares the company’s financial reports in line  with the statutory reporting process. 
Cost monitoring against the budget. 


Leadership 


Lead Strategy, planning and budgeting teams and ensure optimization of their potential 


Decision support 


Capital management (debt and Equity) 
Design and implement cost centers and roll out cost allocation 
Design and implement an executive key performance driver dashboard.


Risk Management 


Oversee compliance and implementation for group businesses policies and procedures 
Ensure full closure of external and internal audit issues.


Education and Experience 

Academic Qualification(s): 


Minimum of bachelor’s degree in finance, Economics, Business, Statistics or other related fields 
MBA or master’s degree 
CPA (K) 


Experience (Number of relevant years): 


Minimum of 10 years of relevant experience, at least 4 years in leading a team. 
Experience with ERP systems would be highly desirable. more

Key Responsibilities/Accountabilities 


Reconciliation of all tax accounts and tax data validation.
Preparation and submission of monthly, quarterly and annual tax computations and returns, including  installment tax in accordance with the various taxation statutes.
Preparation and submissions of various reports requested monthly, quarterly, and annually or on  adhoc basis.
Responsible... for tax accounting which includes preparing deferred tax calculations, effective tax rates  and provisioning movements commentaries.
Preparing tax related disclosures in the financial statements.
Making all tax payments when due. (VAT, WHT, Excise duty, Stamp duty, Corporate Tax)
Monitoring business unit compliance with the VAT, Excise duty Act and Income Tax Act.
Provide the first line of taxation support to the business units.
Custodian of the company’s permanent tax files.
Ensuring that all tax records and correspondence are appropriately maintained and filed.
Bank product evaluation to determine taxation impact.
Optimization of the Bank’s taxation expense, by identifying areas of tax savings
Managing intercompany income billing.
Tax Budgeting and impact analysis.
Review advise and reply to assessments and reassessments
Support internal and external tax audits


Education Level 


Bachelor's degree in a relevant field Upper Second-Class Honors and above


 Professional Qualifications 


ACCA/CPA (K)


 BUSINESS ACUMEN (FINANCIAL MANAGEMENT) 


Ability to interpret financial information and knowledge of financial systems
Good working knowledge and understanding of financial systems and how they impact tax
Ability to understand and work within a corporate context- Knowledge of organizational financial systems, legislation, ability to work with financial auditors and tax advisors, respond to findings and  implement recommendations
A passion for customer service


EXPERIENCE 


Minimum 3 years’ experience in an audit and/or controls role.
 2 years’ experience in a financial institution (areas of working experience would be financial reporting,  payments, reconciliations and controls, risk, internal audit and tax. understanding of applicable taxation law, rules, regulations and commissioner's guidelines and  public notices.
Understanding of Regulator Prudential Guidelines in Banking and Insurance.
Good computer skills.
Working knowledge of ERP accounting software. (Knowledge of Flexcube & SQL will be an  advantage.) more

Duties and Responsibilities 

Strategy and business support 


Coordinate development of Strategic plan 
Develop annual business operating plan 
Monitor strategy execution 


Planning and Analysis 


Drive the annual budgeting, Financial and business planning process and provide guidance to Decision 
Support partners. 
Prepare medium- and long-term Business Plans as well as... monthly forecasts, Income Statement, 
Balance Sheet and Cash Flow forecasts} 
Prepare investment business cases 
Coordinate Investors’ engagements and reporting 


Reporting 


Oversee the reporting of monthly financial results of the Bank including monthly consolidation 
Reviews and reports on the financial performance of the various business segments and make  appropriate recommendations 
Review performance with Heads/Line Managers and identify drivers and improve performance within  their divisions. 
Work with Business partners to ensure that agreed initiatives are implemented 
Prepare monthly updates to the Board and Shareholders on both financial and non-financial metrics. 
Reviews the organization’s financial performance and prepares the company’s financial reports in line  with statutory reporting process 
Cost monitoring against the budget


Decision support 


Capital management (debt and Equity) 
Design and implement cost centers and cost allocation at Branch, Business segments. 
Design and implement an executive key driver dashboard to track KPI’s 


Risk Management 


Oversee compliance and implementation for group businesses, and lead the first line of defense team,  policies and remediation of operational risks within finance
Ensure full closure of external and internal audit issues. 


Education and Experience 

Academic Qualification(s): 


Minimum of bachelor’s degree in finance, Statistics, Economics or other related fields 
MBA or Master’s Degree in a related discipline is desirable 


Professional Qualification(s): 


Should possess an advanced professional certification such as CPA, ACCA, CIMA, CFA 


Experience (Number of relevant years): 


Minimum of 5 years of relevant experience. Experience with ERP systems would be highly desirable. more

Job Purpose:


The purpose of the role is to build and sustain relationship with SACCOS (Saving and Credit  Cooperative Societies). The key responsibility being customer acquisition, retention and income generation  from the sales of the bank’s products. 


Key Responsibilities: 


Ensuring that all new businesses are in line with AML/KYC and CTF laws and regulations and  customer... information is regularly updated. 
Ensure growth of the existing deposit book as per the set organizational targets through growth of  current accounts/collection business as well as wholesale deposits from the focus institutions. 
Onboarding new clients, Identify and address customer needs, ensuring that the overall service  provided is in line with customer expectations. 
Achieving Income generation target through the existing customers and recruitment into digital  financial services. 
Keeping abreast of developments in the SACCOS environment both locally and internationally. 
Deposit mobilization with a focus on SACCOS 
Loan origination with a focus on SACCOS 
Advisory to customers and guidance through the delivery of excellent customer service to resolve  customer queries and achieve customer satisfaction. 
Prepare Customer sales coverage plans to ensure each relationship is managed according to the  Bank’s customer service charter with regular reviews of the customer portfolio to assess future needs  and ongoing fee/income potential. 
Identifying and developing new business proposals efficiently and expeditiously to ensure that  potential new business opportunities are maintained. 
Manage existing relationships to deepen the relationship for Business Banking solutions. 
Initiating and monitoring customer/Bank contact at all levels, ensuring that customers enjoy the  highest standards of service. 
Adherence of all bank’s prescribed processes, standard operating procedures and Central Bank  prudential requirements. 
Role Models the Brand and Corporate Values of the Bank both internally and externally. 
Any other official duty as may be assigned by management 


Qualifications & Experience: 


Bachelor’s degree in commerce/business related field. 
Strong presentation skill set. 
Good analytical skills. 
Highly effective communication and collaboration skills. 
High level of cooperation with others and is responsive to the banks and team’s needs. 
AMC/CFT training/knowledge. 
HR Department Doc 


Key Competencies: 


A clear understanding of the SACCOS operating environment. 
Demonstrated networks within the focus group – SACCOS 
Demonstrate the capability to build and maintain strong relationships. 
Good negotiation skills. 
Good listening skills. 
Pleasant and able to relate well in diverse social set ups and teams. 
Upholds a high standard of Professionalism, integrity and respect for others. more

Job Purpose:

The BPR Analyst will play a pivotal role in leading and executing process re-engineering initiatives across the bank. This role involves working closely with various business units to map, assess, and redesign processes to drive operational efficiency, enhance customer satisfaction, and ensure compliance with regulatory standards. The BPR Analyst will also be responsible for... implementing process improvements, supporting digitization and automation efforts, and ensuring effective change management across the organization.

Key Responsibilities:

Process Mapping and Assessment:


Engage with business leaders and colleagues to map and assess current business processes and ways of working.
Identify process improvements using Lean principles, Six Sigma, and industry best practices.
Ensure processes align with regulatory and legal standards.


Process Redesign and Improvement:


Redesign processes and ways of working to enhance efficiency and effectiveness.
Identify interdependencies between teams to ensure end-to-end functionality.
Collaborating with processes leads to ensure ownership and accountability for redesigned processes.
Implement, monitor, and report on process improvements.


Documentation and Requirements Gathering:


Develop process maps, flow diagrams, and related documentation for redesigned processes.
Document business requirements to support the creation of IT functional specifications, where necessary.


Risk Management:


Ensure proper systems are in place to effectively manage AML/CFT risks at the operational level.


Collaboration with IT and System Developers:


Work with system developers to ensure that systems align with optimized business processes.
Ensure both business and technical suitability of process changes.


Training and Implementation Support:


Develop training materials and support the implementation of process changes.
Facilitate training sessions to ensure smooth adoption of new processes.


Continuous Improvement and Process Control:


Develop and implement process controls, data collection mechanisms, and reporting tools.
Establish tools and frameworks to enable continuous improvement.
Support process owners in adopting and maintaining process controls.


Stakeholder Management:


Manage relationships and communications with key stakeholders across the bank.
Build trust and maintain buy-in for process re-engineering initiatives.


Additional Responsibilities:


Perform any other official duties as allocated by management from time to time.


The Person:


The ideal candidate must possess the following:


Qualifications/Experience:


Bachelor’s degree in business administration, Engineering, IT, or a related field.
Certification in Lean, Six Sigma, or related process improvement methodologies is a plus.
Experience in business process re-engineering or a similar role is a plus.
Strong analytical skills with the ability to document and redesign complex processes.
Excellent communication and stakeholder management skills.
Experience in Office 365 Power Automate/Power App is a plus


Competencies/Attributes:


Process mapping and documentation.
Risk management and compliance awareness.
Collaboration and teamwork.
Change management and implementation support.
Continuous improvement mindset. more

Job Purpose:
Digital Channels Officer will be responsible for Championing uptake of DFS products while ensuring exceptional relationship management for retention.
Responsibilities:

Recruitment of New customers by opening Accounts Virtually, On-board Credit Card customers, On-board Prepaid card customers, recruit New customers for Virtual Loans and New Family Pay customers.
Driving... Agent/Merchant/ MPESA Agents recruitment in the branch as per the laid down standards and CBK Guidelines as well as tracking and performance.
Drive uptake of DFS products in the Branch as per agreed KPI’s.
Guiding Agents/Merchants/MPESA Agents in their respective branches, through the uptake process and procedures, and follow up, assistance in terms of replenishing of materials, complaints resolve and general guidance and Ensure Nil dormancy.
Providing regular updates on the agent network and ensure Excellent Customer Service Delivery in Agents and Merchant Business by ensuring that Agents offer steller class customer centrism principles as guided by the banks policies.
Working with Branch team to provide continuous one on one Agent training on operations and product knowledge and training & Awareness for agents and Merchants on Anti Money Laundering (AML/CFT).
Ensuring Family Bank Agents and Merchants are visible with the correct branding collaterals.
Supporting the Branch on dormant PesaPap activations and dormant card renewals.
Ensuring observance of the Central Bank of Kenya Guidelines on Agent Banking by sensitizing Agents and Merchants on the CBK provisions and need to comply with the same.
Working with DFS Head office team to resolve operational issues affecting DFS Business and also ensure uptake of DFS innovations in the Branch.
Carrying out periodic and regular visits to the Merchants/Agents to drive Family Bank POS usage, ensure that dormancy levels of both Merchants are below 5 %.
Ensuring that 90% of transactions are migrated to channels.
Responsible for reporting potential and actual Money Laundering Risk, including suspicious transactions in accordance with the laid down AML policies & procedures and adherence to Data Protection Act.
Hand holding new Digital Channels officers by providing them with guidance on how to grow their business.

Qualifications:

Bachelor’s degree in commerce/business related field.
At least 1 year sales experience in banking, preferably Digital sales.

Competencies:

Goal-focused with a sharp ability to identify and capitalize on business opportunities, particularly in digital financial services.
Demonstrates creativity in the sales process, able to innovate and adapt strategies to meet targets in competitive or high-pressure environments.
Passionate and driven to achieve sales targets and organizational objectives, even under challenging circumstances.
Builds and maintains strong professional networks, leveraging these relationships to drive business growth and enhance service delivery.
Possesses the interpersonal skills necessary to build and sustain long-term relationships with clients, ensuring high levels of satisfaction and retention.
Proficient in negotiation and persuasion, able to influence outcomes in favor of the organization while maintaining positive stakeholder relationships.
Efficient in managing time and resources, ensuring that deadlines are met without compromising on quality.
Proficient in the use of Microsoft Office Packages and other relevant digital tools, with a strong understanding of how technology can be leveraged to enhance financial services.
Demonstrates unwavering integrity in all professional dealings, fostering trust and respect among colleagues, clients, and stakeholders.
Deep understanding of the financial services industry, particularly in the digital space, with insights into market trends, competitive dynamics, and regulatory changes.
Understanding of the Data Protection Act, Banking Act and Central Bank of Kenya (CBK) prudential guidelines. more

Job Purpose:
The incumbent will be responsible for the below main job purpose:

Supervisor: Responsible for overseeing all activities within the Digital Relationship Officers (DROs) team.
Strategist: Responsible for deciding how to approach tasks and develop a plan to accomplish them.
Communicator: Responsible for distributing information to Digital Relationship Officers (DROs) and... stakeholders.
Organizer: Responsible for keeping track of and structuring various tasks, Digital Relationship Officers (DROs) and documents.
Goal setter: Responsible for determining the goals that Digital Relationship Officers (DROs) will work toward.

Key Responsibilities:

Supervising the day-to-day activities of Digital Relationship Officers (DROs) involved in prospecting and building relationships with current customers in order to effectively sell Digital products.
Coach and develop Digital Relationship Officers (DROs) to achieve quality performance, setting priorities and attaining career development goals.
Work with internal marketing staff to determine the most effective campaigns for a geographic area.
Map and provide timely route plans in conjunction with Head of sales and Branch Managers.
Pick training needs from staff in your region to ensure standardized product training.
Identify opportunities to strengthen client relationships and encourage staff to up-sell products and services.
Develop scripts for Digital Relationship Officers (DROs) to use in emphasizing up selling, increasing channel usage and highlighting and new products or services.
To work closely with all members of the DFS team and drive delivery of the annual DFS targets which is a combined number across the branch network.
To develop and implement sales plans across with Digital Partners to increase sales across digital channels.
Provide timely reports to Head of Sales for the region on performance.
Work with Branch team to provide continuous operations and product knowledge and training & Awareness for agents and Merchants on Anti Money Laundering (AML/CFT).
Drive uptake of DFS products in the Branch as per agreed KPI’s.
Ensure Family Bank Agents and Merchants are visible with the correct branding collaterals.
Ensure that 95% of transactions are migrated to channels.
Other official duties and responsibilities as allocated by management.

The Person:
The ideal candidate must possess the following:
Qualifications:

University degree in Business related field.
An MBA or Masters in Business related courses is an added advantage.
A minimum of 2-3 years skilled experience in Digital Financial payments.
Exposure to Digital channels processes and procedures is a MUST.
Proven ability to drive the sales process from plan to close through cross-functional teams.
Demonstrable experience as a Team Leader in sales, developing client-focused, differentiated and achievable solutions.
Extensive knowledge in data analysis and performance tracking.

Key Competencies and Attributes:

Understands the Banking Act and Central Bank of Kenya (CBK) prudential guidelines; high levels of professionalism and professional development.
Excellent people management skills, team motivation and leadership competence.
Candidate should be able to work regionally.
Demonstrate the capability to build and maintains strong relationships.
Good negotiation skills.
Good listening skills.
Pleasant and able to relate well in diverse social set ups and teams.
Upholds high standard of Professionalism, integrity and respect for others. more

Job Purpose:

Onboarding, retention and churn management of online merchants, customers, and overall growth of the DFS Business lines. Leveraging on business intelligent systems (customer lifecycle / user experience data, complaints visualization and customer journey analytics) the role holder will be able to enhance, fine tune, segment and aim targeted customer value propositions to customers... thereby driving up transaction size, transaction frequency and incidence.

Key Responsibilities:

Develop commercial models that directly impact top-line revenue and bottom-line operating costs while delivering best in class product experiences across our channels
Establish a governance model for customer acquisition and support in collaboration with other internal teams and ensure execution of the same
Daily drive of the assigned lending portfolio performance in partnership with Strategy, Credit and Lending Risk teams to ensure customer uptake, utilization of limits, limits management, reduction in attrition & churn and effective recovery of customers.
Develop and Embed CVM & online sales and customer engagement tracking tools & KPIs (ARPU / ARPA, IBRO, Transaction size, Transaction volumes, Churn rates).
Deliver savings targets by defining activities to engage and retain deposits from both individuals and businesses within the wallets, tills, and bank accounts
Onboard, retain, drive usage & manage churn of customers & online merchants. Cross-sell & respond to leads from digital campaigns and mined social media sites.
Revenue Targets: responsible for ensuring that DFS sales targets for DFS products are met within and across all identified digital channels also through growth of ARPU, ARPA and wallet P2P, B2C, C2B transactions.
Onboard, Engage & Retain online merchants & customers– Engage and develop onboarding programs, promotions, discounts, and incentives.
Drive up LipaNaFamily adoption and usage through regional recruitment programs, usage promotions, partner discounts and incentives programs.
Develop and deploy customer lifecycle management programs and initiatives to scale and extend the lifetime value of DFS products.
Churn management – reactivate dormant accounts via data mining across DFS product portfolio.
Partner with branch, and sales team network to generate sales: You will be required to work closely with the branch network to leverage its distribution to deliver digital sales across the country.
Monitor and review and report on business performance and apply measures to ensure achievement of targets and return on investment for new ventures.
Undertake coaching and mentoring for team members and provide leadership in execution of the division’s strategy.
Monitor, identify, highlight, and recommend mitigation for Sales related risks, in conjunction with supporting units such as Operations, Information Technology, Risk, Audit, Compliance etc.
Any other official duties that may be allocated from time to time by management.

The Person:
The ideal candidate must possess the following:
Qualifications

University degree preferably in a business-related field from a recognized institution.
Master’s degree and professional qualifications will be added advantage.
7 years proven sales experience, meeting or exceeding targets. Previous experience as a sales executive, sales manager or Senior Manager sales and marketing.
Proven ability to drive the sales process from plan to close through cross-functional teams.
Possess extensive knowledge of sales principles and practices, and an ability to coach others on them.
Demonstrable experience as a Senior Manager in sales, developing client-focused, differentiated, and achievable solutions.

Key Competencies and Attributes
Interpersonal:

Knowledge of CBK prudential guidelines and Data Protection Act.
Strong analytical and quantitative skills; ability to use hard data and metrics to back up assumptions, recommendations, and drive actions.
Ability to communicate, present and influence all levels of the organization, including executive and C-level.
Strength in problem solving, issue-resolution, ability to work in a deadline-driven work environment, attention to detail, and ability to multitask.
Strong leadership and team building skills.
Proven ability to articulate the distinct aspects of products and services.
Proven ability to position products against competitors.
Excellent listening, negotiation, and presentation skills
Excellent verbal and written communications skills more

Job Purpose:

The role holder is responsible for commercialization of the Digital Channels, DFS Project management, financial reporting, revenue assurance and forecasting to senior team members and other stakeholders.

Key Responsibilities:

Continuously Identify opportunities to harness technology to deliver increased traffic to the Digital Channels and reduce foot traffic to the banking... halls
Assess operational effectiveness requirements across all distribution channels, directing the identification of change requirements and the design and development of improved processes and procedures to support the desired customer and employee experience across channels, support operational stability and integrity and meet all audit requirements.
Focus on sales and marketing drives to increase transactions and commercialize the channels.
Data Driven sales – use of business analysis and MIS insights to inform business decisions.
Engage impacted stakeholders and direct the development of decision-making protocols and design principles to ensure goals of multiple stakeholders are satisfied for processes which cross functional business units.
Act as DFS member of PMO leadership team and support continuous improvement of execution processes.
Creates innovative capabilities that bridge mobile, social, email and web in order to provide appropriate solutions and services that are driven by consumer insight
Anticipates and responds appropriately to new demands, priorities, challenges, or obstacles that impact digital channels.
Leads design thinking and ensures success of product innovation and digital initiatives based on a customer-centric approach to design (from concept to actual working application for both staff and external customers).
Manager vendor relationships and partner engagements to ensure smooth running of the channels.
Contribute to the ongoing development and maintenance of the control framework, establishing standards and controls and maintaining product governance and policies to ensure regulatory requirements are met and to optimize and sustain the distribution channel operations and achieve business objectives.
Accountable to develop tools and performance metrics to identify areas of non-compliance and work with internal partners to rectify the gaps in order to deliver a consistent customer and employee experience.
Interacting with internal and external bodies such as Risk management, Internal Audit, Legal Services regulations and other industry bodies in order to maintain a sound compliance and risk free environment in the digital banking space.
Responsible for identifying and reporting potential and actual Money Laundering Risk, including suspicious transactions in accordance with the laid down AML policies & procedures.
Manage of all compliance processes (Institutional requirements, statutory requirements, regulatory requirements) and reporting.
Actively provides leadership by contributing to the collective Leadership Agenda and sharing business insights/ feedback to maximize the overall performance and well being of the Bank.
Role Models the Brand and Corporate Values of the Bank in the internal and external market environment.
Any other official duty that me be allocated by the line manager from time to time.

Key Competencies and Attributes

Business Acumen: Understands the fundamental value drivers within the organization and devises goals, objectives and performance measures to increase shareholder value combined with innovative ways to mitigate or manage business risk.
Change Leadership: Takes a proactive approach to change management, where change is seen as an opportunity for growth and improvement rather than a finite project
Influence: Creates and articulates a compelling vision of the positive repercussions that will occur and benefit others from a proposal that will have a longer-term impact on the institution/project, its policies and programs.
Risk Management: Looks at broad trends, identifies scenarios beyond the norm where applicable and develops strategies to manage risk in the current situation and in the ongoing structural elements.
Strategic Thinking: Generates and tests multiple concepts, hypotheses or possible explanations for a given situation as related to long-term performance.
Technology Management: Subject-matter expert regarding core technology requirements and supporting technology processes, best practices in technology management.

The Person:
The ideal candidate must possess the following:
Skills and Qualifications:

University degree in IT/Business related.
An MBA is an added advantage.
Have a minimum of 7 years in the Banking Industry; 3 of which must be in a management position.
A minimum of 2 years skilled experience in DFS (Digital Financial Services) in a management position.
Experience of a minimum of two (2) years in a Card business-related function will be an added advantage.
Experience in DFS (Digital Financial Services) service provision and innovations.
Sound knowledge of the Banking Act and the regulatory framework in the Financial Services Industry.
Able to apply Financial knowledge and skills to achieve business goals.
Able to identify and minimize potential and inherent risks in banking.
Proficient in the use of Banking and office management systems.
A member of a professional body. more

Job Purpose: To assist in the development and execution of Family Bank mobile banking and strategy.

Responsible for business growth and development of the mobile banking space, Customer on boarding and relationship management.

Key Responsibilities:

Achieve revenue targets, profitability, and growth as per agreed budgets.
Balance sheet growth and management, driven through Products and... Mobile channels.
Formulate and implement Business, Marketing and Promotional Strategies in line with overall Retail Banking business goals.
Oversee the tracking and proper allocation of revenues to the unit.
Manage the Unit’s costs, including Product, Channels and Digital Banking costs in-line with approved budgets.
Manage Fee structures, NPL’s and minimize revenue leakage.
Optimize Retail Business by lowering costs through automation and digitization of Retail Products, Processes and Services
Define and deliver segment-led Product, Channel & Digital Banking Customer Value Propositions (CVPs) for all Retail Banking segments.
Research, conceptualize, design, develop, test, pilot, launch, promote\market, improve and retire Retail Products, Channels and Digital solutions.
Track envisaged Project benefits for New\revamped solutions to ensure benefits are realized as per Business Case.
Run training interventions and workshops for Retail Sales teams and other relevant teams and stakeholders, to successfully ensure implementation of new solutions and sustained growth of existing solutions.
Responsible for managing and implementing marketing activities through research, strategic planning and implementation.
Monitor competition and emerging Product, Channels and Digital technologies, and develop strategies and tactics to reduce any threats to ongoing and future Retail business.
Manage ecosystems of in-house support teams and external vendors and partners responsible for the success and good health of new and existing Products, Channels and Digital Banking solutions.
Participate in customer surveys and achieve targeted metrics for both internal and external customer.
Design, develop, improve, and implement customer engagement strategies, Products and Digital solutions that deliver great customer service and customer satisfaction.
Manage and coordinate the Unit’s client engagement efforts across Retail Banking segments and ensure that individuals are clear on their contribution and expected outcomes.
Inculcate a customer- centric team culture that focuses on efficient service delivery and excellent customer service.
Monitor, identify and mitigate the Unit’s related risks in conjunction with supporting units such as Operations, Information Technology, Risk, Audit, Compliance etc.

Key Competencies and Attributes

Interpersonal skills to create and maintain relevant business networks.
Technical skills to effectively perform support activities/tasks for Card related roles in a manner that consistently achieves high quality standards or benchmarks.
Analytical, processing and report writing skills specific to card business.
Knowledge and effective application of all relevant banking policies, processes, procedures, and guidelines to consistently achieve required results in card business.

The Person:
The ideal candidate must possess the following:
Skills and Qualifications:

A bachelor’s degree in business administration, finance or related field from a recognized university, Professional qualifications will be an added advantage.
Five (5) years hands-on Banking experience in a busy front and Back Office Operations function, IT or Business-related function.
Experience of a minimum of two (2) years in a Card business-related function, will be an added advantage.
Thorough knowledge of CBK prudential guidelines and Data Protection Act.
Experience in Account / Customer management.
Ability to clearly communicate strategy, plans and issues across the organization by developing business cases, presentations & stakeholder communications even with senior management.
Strong analytic, logical reasoning, and problem solving, risk vs. reward skills. more

Acquisition:
This is the DFS champion in the branch networks who will champion uptake of DFS channels through: -

Recruitment of New customers by opening Accounts Virtually, On-board Credit Card customers, On-board Prepaid card customers, Recruit New customers for Virtual Loans and New Family Pay customers.
Driving Agent/Merchant/ MPESA Agents recruitment in the branch as per the laid down... standards and CBK Guidelines as well as tracking and performance.
Drive uptake of DFS products in the Branch as per agreed KPI’s.

Retention& Monetization:

Guide Agents/Merchants/MPESA Agents in their respective branches, through the uptake process and procedures, and follow up, assistance in terms of replenishing of materials, complaints resolve and general guidance and Ensure Nil dormancy.
Appraise agent activities in the Branch i.e. provide regular updates on the agent network and ensure Excellent Customer Service Delivery in Agents and Merchant Business by ensuring that Agents offer Steller class customer centrism principles as guided by the banks policies.
Work with Branch team to provide continuous one on one Agent training on operations and product knowledge and training & Awareness for agents and Merchants on Anti Money Laundering (AML/CFT).
Ensure Family Bank Agents and Merchants are visible with the correct branding collaterals.
Coordinate seminars, forums and Market Storms for Agents and Merchants and provide forums for sharing feedback.
Support the Branch on dormant PesaPap activations and dormant card renewals.
Ensure observance of the Central Bank of Kenya Guidelines on Agent Banking by sensitizing Agents and Merchants on the CBK provisions and need to comply with the same.
Work with DFS Head office team to resolve operational issues affecting DFS Business and also ensure uptake of DFS innovations in the Branch.
Carry out periodic and regular visits to the Merchants/Agents to drive Family Bank POS usage, ensure that dormancy levels of both Merchants are below 5 %.
Ensure that 90% of transactions are migrated to channels.
Responsible for reporting potential and actual Money Laundering Risk, including suspicious transactions in accordance with the laid down AML policies & procedures and adherence to Data protection Act.
Hand hold new Digital Channels officers by providing them with guidance on how to grow their business.
Other duties and responsibilities as allocated by Branch Manager, Chief Digital Officer, Senior and Channels Managers or regional Supervisor.
Please note that your job description may be subject to change from time to time in line with the Bank's strategic direction.

KEY PERFORMANCE INDICATORS:

Understands the Banking Act and Central Bank of Kenya (CBK) prudential guidelines, high levels of professionalism and professional development and adherence to Data Protection Act.
Excellent people management skills, team motivation and leadership competence.
Goal focused and able to spot business opportunities.
Builds networks and maintains strong relationships.
Able to manage and influence others to achieve results.
Has passion and drive to achieve results under difficult circumstances.
Pleasant and able to relate well in diverse social set ups and teams.
Upholds high standard of Professionalism, integrity and respect for others.

QUALIFICATIONS

Bachelor’s degree in commerce/business related field.
Creative in sales process and be able to work in high pressure environments to meet targets.
Excellent Interpersonal & Communication skills.
Strong organization skills and the ability to quickly assess and prioritize.
High Integrity.
Willingness to travel.
Must have passion for selling.
Must be mature & self-motivated.
Proficiency in use of Microsoft Office Packages.
Must be fluent in English and Swahili. more

Job Purpose:
Key responsibility will involve overall project co-ordination, scope management, risk and issue management, maintain the project plan, vendor management, stakeholder and project resource management.
Key Responsibilities:

Support in identifying stakeholders relevant to the project.
Develop and maintain a detailed project plan, schedule with clear roles and responsibilities for... the duration of the project.
Proactive management and updating of risks and issues.
Escalate any project delays as per developed escalation matrix.
Facilitate all stakeholders’ meetings and workshops including requirements gathering workshops, user acceptance testing, training, data migration etc.
Develop, update and store/retrieve necessary project documentation.
Coordinate change management activities.
Manage project costs, scope and time as agreed upon during mobilization.
Ensure quality of project deliverables.
Manage project resources by assigning relevant tasks to specific resources and review to completion.
Maintain proactive communication between the project team to ensure harmonious working environment.
Prepare period status reports to stakeholders; weekly, monthly in preparation for status update meetings.
Provide guidance on responsibilities management.
Overall proactive management of the project office.
Any other official duties that may be allocated from time to time by management.

The Person:
The ideal candidate must possess the following:
Qualifications

Bachelor’s degree in Computer Science, Information Technology, MIS, or related fields.
4 or more years of experience in the areas of Project Management.
Certification in the related field is advantageous, preferably PRINCE2, PMP or other related Project Management Certifications.

Key Competencies and Attributes

Strong leadership skills.
Ability to work effectively under pressure, independently with minimal supervision.
Ability to communicate clearly, concisely and effectively.
Practical experience in use of Ms Office applications.
Results oriented with great attitude.
Strong interpersonal skills, a forward planner with clear focus. more

Key Responsibilities:

Acquire, grow and retain base of High Net Worth clients.
Ensuring revenue growth through customer acquisition, new need identification, product cross-sell and re-engineering increased product usage for existing clients
Planning for activations within the banks market or geographic area to ensure a robust pipeline of HNIs that will drive growth of new accounts and... deposits.
Conduct market research and analysis on affluent customers to create detailed business plans on products developments, commercial opportunities, new strategic partnerships etc.
Provide HNW clients with personalized service so as to develop close relationships, achieve maximum profitable contribution for the client and the bank, and build client loyalty.
Identify financial and non-financial requirements of HNW clients by conducting financial needs analysis
Ensure clients are aware of all the Privileges & Solutions offered under Platinum Banking
Focused growth in transactional banking solutions for the business banking portfolio
Documenting Account opening and executing all KYC documents to facilitate account opening and all Bank’s products and services;
Obtaining related financial documents to be able to put forward any new borrowing requests from the client
Preparing Call reports with recommendations and submitting for consideration by approvers;
Mobilizing High Cost and Low Cost Deposits and growing the Bank’s Deposit Base in line with targets
Providing feedback to the client on the outcome of their request and providing other solutions which could be beneficial to them in the long run;
Making follow ups with Credit department on the offer letter and other Banks contractual documents for the client to execute for facilities approved and following up internally and externally for processing of securities and marking limits;
Making regular customer meetings and visits to build and grow the relationship;
Filling customer instructions/important loan related documents in the client’s respective dockets for safe custody as the information is private and confidential;
Ensure Compliance with data protection laws, policies and procedures of the bank.
Any other official duty that may be allocated by management from time to time.

Qualifications:

A Bachelor’s degree in Business related field.
Professional banking qualifications will be added advantage.
Have a minimum of 6 years’ experience in General banking, and 2 of which should be at relationship level in an affluent service sector or premium banking.

Key Competencies and Attributes:

Displays a business-oriented mind-set that drives the banks agenda.
Applies knowledge of industry, market and business trends to identify opportunities, prioritize activities and deliver business results.
Goal focused and able to spot business opportunities.
Builds networks and maintains strong relationships.
Has passion and drive to achieve results under difficult circumstances
Pleasant and able to relate well in diverse social set ups and teams
Upholds high standard of Professionalism, integrity and respect for others
Drives high performance in teams.
Ability to develop productive working relationships and achieve results with deadlines. more

Job Purpose:
Working with other stakeholders within the bank to Create and implement a women value proposition. The role holder will also create and maintain supporting structures, relationships and partners that will complement the Bank in focusing on the women Segment by way of partnerships or funding.
Key Responsibilities:

Working towards positioning the Bank as the bank of choice for the... women.
Spear head a marketing strategy geared towards attracting and retaining the women in the market by driving business development activities to drive growth of the women portfolio.
Proactively identify and recruit women customers
Overseeing implementation of women initiatives and lifestyle solutions that meet the expectations of this special niche of customers and hence lead to business growth.
Building, consolidating and maintaining excellent relationship with women customers.
Ensuring excellent customer service and implement effective customer retention measures within the women customers.
Playing a key role in product development in line with market trends to grow and expand relationships and the banks product portfolio to drive achievement of a competitive edge in the market and meet customer needs.
Hunting for business opportunities for the Women market by forming strategic alliances& partnerships with various focus groups and association.
Working with Development Finance Institution working to deepen access of financial services to Women.
Upon approval by the business teams, engage with the entities to complement the bank’s efforts in serving women.
Managing and minimizing the inherent and potential Risks in all areas of Business by working closely with the Risk Management Function to develop and implement policies and procedures that provide assurance against risk in the overall Bank Business
Sales, service, credit quality and margin results for the women customers.
Identify and implement proper corrective measures where performance gaps exist within business targets.
Ensuring excellent customer service and implement effective customer retention the women & youth customers.
Evaluating and lead the team in identifying and reporting potential and actual Money Laundering Risk, including suspicious transactions in accordance with the laid down AML policies procedures.
Ensure Compliance with data protection laws, policies and procedures of the bank.
Any other official duty that may be allocated by management from time to time.

Qualifications:

A Bachelor’s degree in Business related field.
Professional banking qualifications will be added advantage.
At least 6 years working experience, 3 of which in women relationship management banking

Key Competencies and Attributes:

Upholds high standard of Professionalism, integrity and respect for others
Drives high performance in teams.
Ability to develop productive working relationships and achieve results with deadlines
Extensive knowledge and understanding of bank Credit risk management policies, procedures and best practices in lending
Goal focused and able to spot business opportunities.
Builds networks and maintains strong relationships.
Has passion and drive to achieve results under difficult circumstances
Pleasant and able to relate well in diverse social set ups and teams more

Job Purpose: 
The role involves implementing and managing changes within an organization to achieve its strategic objectives. This includes designing and executing change management plans, identifying and mitigating risks associated with changes, and ensuring that the changes align with the organization's culture and values. The responsibilities will also include promoting a culture of innovation... and continuous improvement, fostering collaboration and communication among teams.
Key Responsibilities:

Develop and implement change management strategies and plans to ensure successful adoption of organizational changes, including changes in processes, systems, and structures.
Conduct impact assessments and stakeholder analysis to identify potential risks and resistance to change, and develop mitigation strategies.
Provide coaching and support to leaders and managers to help them manage change effectively.
Enable the design, development, delivery and management of key communications communication and engagement strategies.
Foster a culture of continuous improvement and innovation by identifying opportunities to improve processes and systems and encouraging teams to adopt new ideas and technologies.
Monitor and evaluate the effectiveness of change management initiatives and make recommendations for improvement.
Work closely with cross-functional teams to ensure that changes are aligned with the organization's culture and values.
Work closely with Capacity Building Manager to develop and deliver training programs to ensure that employees have the necessary skills and knowledge to adapt to changes.
Keep up to date with industry best practices in change management and incorporate these into the organization's change management approach.
Any other official duty that may be allocated from time to time.

The Person:
The ideal candidate must possess the following:
Qualifications/Experience:

Bachelor's degree in Human Resource, business administration, organizational development, or related field.
Higher diploma in HR or CHRP is an added advantage.
Minimum of 5 years of experience in change management, organizational development, or a related field.
Certification in change management or organizational development is an asset.

Competencies/Attributes:

Strong understanding of banking operations, regulations, and compliance.
Excellent interpersonal skills and ability to build strong relationships with stakeholders at all levels of the organization.
Strong project management skills and ability to manage multiple projects simultaneously.
Ability to work independently and as part of a team.
Experience leading and managing change management initiatives in a complex organizational environment.
Excellent written and verbal communication skills. more

Job Purpose:
The purpose is to interpret retail strategy into implementable short term action plans, communicate it to the branch network in your Area and ensure translation into deliverable productivity as measured by the Balance Scorecard, includes delivery of PBT targets, loans and deposits growth, PAR management, C/I ratio management, customer acquisition for the Area.
Key... Responsibilities:

Responsible for driving the overall productivity and performance of the branch network within the allocated Area.
Establish and manage key customer experience processes, including but not limited to customer contact, complaint management, referral management and customer retention within the allocated Area.
Creating a customer centric culture within the Branches to deliver an awesome experience to the customers.
Effective resource management/planning that reflects current and future business requirements ensuring the correct balance of numbers, skills and experience by playing an active role in recruitment and exit of direct reports.
Operational – Management of branch budgets and approvals, review of incident reports.
Manage branch requests and transactions in compliance to FBL operational guidelines and procedures with zero tolerance to operational risk and frauds.
Ability to delegate responsibilities and decisions to help empower people and teams.
Manage and co-ordinate transaction income business within the Branches in the allocated Area.
Provide a data base of target markets within the regions guided by the market demographics/sectors.
Responsible for identifying and reporting potential and actual Money Laundering Risk, including suspicious transactions in accordance with the laid down AML/CFT policies & procedures.
Role Models the Brand and Corporate Values of the Bank in the internal and external market environment.
Develops, Coaches, motivates and manages the performance of individuals and teams within the Branches in the allocated Area.
Any other official duty that may be allocated by management from time to time.

Qualifications

Bachelor’s degree in Commerce/Business related field.
Master’s Degree/MBA or Professional qualification in Banking or related field is a plus
Have a minimum of 6 years working in the Banking Industry; 2 of which must be in a senior management position

Key Competencies and Attributes:

Goal focused and able to spot business opportunities
Builds networks and maintains strong relationships
Team management, supervision or leadership within a customer facing environment, including performance management, people development, coaching or mentoring experience.
Has passion and drive to achieve results under difficult circumstances
Upholds high standard of Professionalism, integrity and respect for others
Able to identify, motivate and develop talent within the Bank
Capacity to influence decisions at senior management levels
Excellent communication and interpersonal skills, with the ability to build strong relationships with internal and external stakeholders.
A proven track record in managing banking Operations, Sales and Service in Retail Banking.
Proficiency in leading and managing Sales and revenue growth in a retail business.
Extensive knowledge and understanding of bank Credit risk management policies, procedures and best practices in lending more

Job Purpose:
The purpose of the role is to build and sustain a rapport with Churches and Religious Institutions. The key responsibility being; customer acquisition, retention and income generation from the sales of the banks products.
Key Responsibilities:

Ensures that all new businesses are in line with AML/KYC and CTF laws and regulations and customer information is regularly... updated.
Ensure growth of the existing deposit book as per the set organizational targets through growth of current accounts/collection business as well as wholesale deposits from the focus institutions.
Onboarding new clients, Identify and address customer needs, ensuring that the overall service provided is in line with customer expectations.
Achieving Income generation target through the existing customers and recruitment into digital financial services.
Keeping abreast of developments in the Churches and Religious Institutions environment both locally and internationally.
Deposit mobilization with a focus on Churches and Religious Institutions
Advisory to customers and guidance through the delivery of excellent customer service to resolve customer queries and achieve customer satisfaction.
Prepare Customer sales coverage plans to ensure each relationship is managed according to the Bank’s customer service charter with regular reviews of the customer portfolio to assess future needs and ongoing fee/income potential.
Identifying and developing new business proposals efficiently and expeditiously to ensure that potential new business opportunities are maintained.
Manage existing relationships to deepen the relationship for Business Banking solutions.
Initiating and monitoring customer/Bank contact at all levels, ensuring that customers enjoy the highest standards of service.
Adherence of all bank’s prescribed processes, standard operating procedures and Central Bank prudential requirements.
Role Models the Brand and Corporate Values of the Bank both internally and externally
Any other official duties that may be allocated from time to time by management.

The Person:
The ideal candidate must possess the following:
Qualifications

Bachelor’s degree in Commerce/Business related field.
Strong presentation skill set.
Good analytical skills.
Highly effective communication and collaboration skills.
High level of cooperation with others and is responsive to the bank’s and team’s needs.
AMC/CFT training/knowledge.

Key Competencies and Attributes
Interpersonal:

A clear understanding of the Churches and Religious Institutions operating environment.
Demonstrated networks within the focus group – Churches and Religious Institutions
Demonstrate the capability to build and maintain strong relationships.
Good negotiation skills.
Good listening skills.
Pleasant and able to relate well in diverse social set ups and teams.
Upholds high standard of Professionalism, integrity and respect for others. more