National Development Bank

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To apply, click on the link at the end of the posts and all the best with your applications.

Business Development Manager

Market Research and Analysis:
– Conduct thorough market research to identify potential clients and opportunities for growth.
– Analyze market trends, competitor activities, and economic indicators to inform business development strategies.
– Develop a deep understanding of target industries and sectors to tailor offerings to client needs.

2. Client Acquisition and Relationship Management:
– Identify and engage potential clients through networking, referrals, and direct outreach.
– Develop and maintain strong relationships with existing and prospective clients, understanding their financial needs and business objectives.
– Present and promote financial products and services to potential clients, highlighting their benefits and value propositions.

3. Sales Strategy Development and Execution
– Develop and implement sales strategies to achieve business development targets and objectives.
– Coordinate with marketing, product development, and other departments to align sales efforts with overall business goals.
– Monitor sales performance, adjust strategies as needed, and report on progress to senior management.

4. Proposal Development and Presentation
– Prepare customized proposals and presentations that address client needs and showcase the institution’s products and services.
– Conduct presentations and negotiations with clients, effectively communicating the value of the financial institution’s offerings.
– Close deals by negotiating terms and conditions that meet both client expectations and the institution’s objectives.

5. Partnership Development
– Identify and develop strategic partnerships with other organizations to enhance the Bank’s market presence and capabilities.
– Manage relationships with partners to ensure mutual benefit and alignment with business goals.
– Explore opportunities for co-branding, joint ventures, and other collaborative efforts.

6. Risk Management and Compliance
– Ensure all business development activities comply with regulatory requirements and internal policies.
– Assess and manage risks associated with new business opportunities, including credit risk, market risk, and operational risk.
– Stay informed about changes in regulations and ensure that strategies are adjusted accordingly.

7. Performance Monitoring and Reporting

– Track and analyze key performance indicators (KPIs) related to business development activities, such as revenue growth, client acquisition, and conversion rates.
– Provide regular updates and reports to senior management on business development performance and market conditions.
– Use data and insights to refine strategies and improve effectiveness.

8. Portfolio Management:
– Manage a portfolio of business clients, ensuring balanced growth and risk management.
– Conduct regular reviews of client accounts to identify opportunities for growth and potential risks.
– Work with clients to restructure debt or modify loan terms as necessary

9. Financial Analysis and Credit Assessment:
– Review and analyse clients’ financial statements, credit reports, and other relevant data to evaluate creditworthiness.

-Monitor client financial performance to anticipate potential issues and manage risk.

QUALIFICATIONS & EXPERIENCE

A Bachelor’s degree in finance, business administration, economics, or a related field;
Minimum of 7 years of experience in business development, sales, or relationship management within the financial services industry.
Proven track record of achieving sales targets and developing successful business strategies

Customer Experience Manager

1. Customer Service Management

Oversee the delivery of high-quality customer service within the branch.
Develop and implement customer service strategies that enhance customer satisfaction and loyalty.
Handle complex customer inquiries and complaints, ensuring timely and effective resolution.

2. Sales Management:

Drive branch sales performance by setting and monitoring sales targets for products and services.
Lead the sales team, providing coaching, support, and motivation to achieve sales objectives.
Develop and execute sales strategies, including cross-selling and up-selling financial products.

3. Team Leadership and Development:

Manage and develop a team of customer service representatives and sales staff.
Conduct regular performance reviews, providing feedback and development opportunities.
Ensure staff are trained on customer service best practices, sales techniques, and product knowledge.

4. Branch Operations

Ensure branch operations are efficient, compliant with regulatory requirements, and aligned with institutional policies.
Monitor branch performance, including customer service metrics, sales targets, and operational efficiency.
Implement process improvements to enhance branch performance and customer experience.

5. Customer Experience Enhancement

Identify opportunities to improve the customer experience, both in-person and through digital channels.
Lead initiatives to gather customer feedback, analyze trends, and implement changes to enhance service delivery.
Collaborate with other departments to ensure a seamless and consistent customer experience across all touchpoints.

6. Stakeholder Engagement:

Build and maintain relationships with key stakeholders, including customers, community leaders, and internal teams.
Represent the branch in community events and networking opportunities to promote the institution’s brand and services.

7. Reporting and Compliance

Prepare and present reports on branch performance, including customer service metrics, sales results, and compliance with policies.
Ensure that all branch activities comply with regulatory requirements and internal guidelines.

QUALIFICATIONS & EXPERIENCE

A Bachelor’s degree in business administration, finance, marketing, or a related field.
7 years of experience in customer service, sales, or branch management within a financial institution.
Proven track record in managing a team, driving sales performance, and delivering high levels of customer service.
Experience in developing and implementing customer service and sales strategies in a branch setting.
Strong background in financial products, sales techniques, and customer relationship management.

Credit Analyst

Credit Assessment:

Analyze financial statements, credit reports, and other relevant data to assess the creditworthiness of loan applicants.
Evaluate the financial health of businesses and individuals, identifying potential risks and opportunities.

Risk Analysis:

Conduct thorough risk assessments, including qualitative and quantitative analysis, to determine the probability of default.
Assess the impact of macroeconomic factors, industry trends, and market conditions on the applicant’s credit risk.

Loan Recommendations:

Prepare detailed credit reports and make recommendations to approve or decline loan applications based on the analysis.
Present findings and recommendations to credit committees or senior management.

Portfolio Management:

Monitor the performance of existing loans and portfolios, identifying signs of deterioration or improvement in credit quality.
Recommend actions to mitigate on assigned portfolios.

Documentation and Compliance:

Ensure that all credit analyses and decisions comply with institutional policies and regulatory requirements.
Maintain accurate records of all assessments, decisions, and communications.

Collaboration with Relationship Managers:

Work closely with relationship managers to understand client needs and provide tailored credit solutions.
Support relationship managers in structuring credit facilities that align with both client needs and risk policies.

Continuous Improvement:

Stay updated on changes in regulations, industry practices, and market conditions to refine credit assessment techniques.
Participate in training and development programs to enhance credit analysis skills.

QUALIFICATIONS & EXPERIENCE

Bachelor’s degree in finance, accounting, economics, or a related field is preferred.
5 years of experience in credit analysis, financial analysis, or a related field within a financial institution.
Experience with different types of lending such as commercial, agricultural lending is advantageous.
Strong knowledge of financial regulations, accounting principles, and credit risk management.

Business Banker

1. Client Relationship Management
– Build and maintain strong relationships with micro and small business clients.
– Conduct regular meetings with clients to understand their financial needs and business goals.
– Provide financial solutions such as loans, and credit lines across all sectors.

2. Financial Analysis and Credit Assessment:
– Review and analyze clients’ financial statements, credit reports, and other relevant data to evaluate creditworthiness.
– Prepare detailed credit proposals, including risk assessments and recommendations for loan approvals.
– Monitor client financial performance to anticipate potential issues and manage risk.

3. Sales and Business Development
– Identify and pursue new business opportunities to expand the client base and grow the portfolio.
– Develop and implement strategies to achieve sales targets for banking products and services.
– Engage in cross-selling and up-selling activities to deepen client relationships and increase revenue.

4. Portfolio Management
– Manage a portfolio of business clients, ensuring balanced growth and risk management.
– Conduct regular reviews of client accounts to identify opportunities for growth and potential risks.
– Work with clients to restructure debt or modify loan terms as necessary.

5. Compliance and Risk Management:
– Ensure all client interactions and transactions comply with regulatory requirements and internal policies.
– Identify and mitigate risks within the client portfolio to prevent defaults and losses.
– Keep abreast of changes in regulations and market conditions that could impact clients and the bank.

6. Market Insights
– Stay updated on industry trends, competitor activities, and market conditions.
– Network with industry professionals and participate in relevant events to build relationships and identify opportunities.
– Provide insights to management on market dynamics and client needs.

QUALIFICATIONS & EXPERIENCE

Bachelor’s in Degree in finance, business economics, accounting or a related field;
5 years experience in banking, financial services or a related industry.

Head of Sales and Customer Segments

Strategy Development and Execution:
– Develop and implement strategies for digital sales (Sales) to enhance online and mobile banking sales.
– Formulate customer segment strategies across retail, commercial, and high-net-worth (HNWI) segments.
– Lead initiatives that drive sales performance across digital channels, focusing on cross-selling and upselling.

Customer Insights and Segmentation:
– Conduct market analysis and customer research to identify key trends, customer preferences, and areas of growth.
– Segment the customer base and develop targeted marketing and sales strategies for each customer group.
– Manage tailored customer experience programs for different segments.

Sales Leadership and Digital Channel Optimization:
– Drive digital transformation efforts for sales processes to improve efficiency and customer convenience.
– Oversee digital customer acquisition and retention strategies across various online platforms.
– Monitor and optimize the performance of digital sales channels (e.g., website, mobile app).

Marketing Strategy and Campaign Management:

– Ensures development and execution of marketing strategies that align with business objectives and customer segment needs.

-Oversees the digital marketing campaigns ensuring consistency across all channels (social media, web, email etc.

– Manage brand development and product marketing for the Customer Segments

Cross-Functional Collaboration:
– Collaborate with product, marketing, and technology teams to develop and promote digital financial products.
– Work closely with customer service to align digital experiences with customer expectations.
– Ensure alignment between digital and traditional sales channels.

Performance Management:
– Set sales targets and KPIs for the iSales team and customer segment leaders.
– Monitor performance metrics and use data analytics to track success and areas for improvement.

Innovation and Digital Adoption:
– Explore new digital sales technologies and trends to drive customer engagement and improve product delivery.
– Promote the adoption of digital channels among customers, including mobile banking, e-commerce, and digital self-service tools.

QUALIFICATIONS & EXPERIENCE

Bachelor’s degree in Business, Marketing, Finance, or a related field.
MBA or Master’s degree preferred.
Certifications in Digital Marketing, or Sales Management (optional but advantageous).
10+ years of experience in sales management, with a focus on digital channels within the financial services sector.
Strong background in customer segmentation, marketing, or product management.
Proven track record of leading digital transformation initiatives.
Experience in leading cross-functional teams and managing large-scale projects.

Credit Origination Manager

Team Leadership and Management:

Lead and manage a team of credit analysts providing guidance, training, and support to ensure high performance.
Allocate resources effectively to ensure timely processing of credit applications.
Work closely with Business Development Team on loan originations and verify loan annual reviews

Credit Assessment and Approval:

Oversee the assessment of credit applications, ensuring thorough analysis of financial statements, credit history, and risk factors.
Review and approve credit applications within delegated authority levels or escalate to higher authorities as needed.
Ensure all credit decisions are made in compliance with internal policies and regulatory requirements.

Policy and Process Management:

Develop, implement, and maintain credit origination policies and procedures to ensure consistency, efficiency, and compliance.
Continuously review and improve the credit origination process to enhance efficiency, reduce turnaround times, and improve client experience.

Risk Management:

Monitor and manage credit risk within the origination process, ensuring that the credit portfolio is aligned with the institution’s risk appetite.
Implement risk mitigation strategies, such as collateral management and loan structuring, to minimize potential losses.

Stakeholder Engagement:

Collaborate with other departments, including risk management, legal, and sales, to ensure a smooth credit origination process.
Communicate with clients to discuss credit decisions, provide explanations, and negotiate terms as needed.

Reporting and Compliance:

Prepare and present regular reports on credit origination activities, including key performance indicators (KPIs), credit quality metrics, and risk assessments, to senior management.
Ensure that all credit origination activities are compliant with regulatory requirements and internal policies.

Client Relationship Management:

Maintain strong relationships with key clients, understanding their financial needs and providing tailored credit solutions.
Work closely with the sales team to support business development initiatives through effective credit origination.

Product Development and Innovation:

Collaborate with product development teams to design and enhance credit products for the agricultural sector, ensuring they meet client needs and align with risk management principles.
Provide input on pricing strategies, loan terms, and product features based on credit risk analysis and market conditions.

Risk Mitigation and Policy Development:

Develop and implement risk mitigation strategies, including collateral management, loan structuring, and monitoring practices specific to agricultural lending.
Assist in the formulation and review of credit policies and procedures related to ensure they are robust and aligned with the Banks risk appetite.

Portfolio Management and Monitoring:

Monitor the performance of the Bank’s loan portfolio, identifying emerging risks and trends.
Conduct regular portfolio reviews and stress testing to assess the impact of market conditions on credit risk exposure.
Recommend corrective actions or adjustments to lending strategies to minimize risk.

QUALIFICATIONS & EXPERIENCE

A bachelor’s degree in finance, business, accounting, economics, or related field;
A master’s degree in finance, business administration (MBA), or a related field is highly preferred;
7 years of experience in credit risk management, with a focus on credit origination/ evaluation and underwriting.
Proven track record in leading and managing a credit analysts team in a financial institution.
Experience in developing and implementing credit policies, procedures, and risk management strategies.
Strong background in working with various types of credit products, across commercial.
Agric lending will be an added advantage.

Senior Business Development Manager

1. Strategic Planning and Market Analysis:
– Develop and implement strategic plans to identify and capture new business opportunities.
– Conduct market research and competitive analysis to understand market trends and identify growth opportunities.
– Set long-term and short-term business development goals aligned with the financial institution’s overall strategy.

2. Client Acquisition and Relationship Management:
– Lead efforts to acquire new clients and deepen relationships with existing clients, focusing on high-value accounts.
– Build and maintain strong relationships with key decision-makers within client organizations.
– Ensure high levels of client satisfaction and retention by understanding client needs and providing tailored solutions.

3. Sales Management and Execution:
– Oversee the development and execution of sales strategies to meet business development targets.
– Lead and motivate the business development team to achieve sales objectives.
– Monitor sales performance and adjust strategies to optimize results.

4. Cross-Selling and Product Development:
– Collaborate with product development teams to design and promote financial products that meet client needs.
– Drive cross-selling initiatives to maximize revenue from existing clients.
– Provide feedback to the product teams on market needs and competitive offerings.

5. Team Leadership and Development:
– Lead, mentor, and develop a team of business development professionals, ensuring alignment with strategic goals.
– Conduct performance evaluations, provide coaching, and identify training needs for team members.
– Foster a collaborative and results-driven team culture.

6. Partnership and Network Building:
– Identify and develop strategic partnerships and alliances to enhance market reach and product offerings.
– Engage with industry networks, associations, and forums to build the institution’s brand and reputation.

7. Risk Management and Compliance:
– Ensure all business development activities comply with internal policies and regulatory requirements.
– Assess and manage risks associated with new business opportunities and client engagements.

8. Performance Reporting and Analysis:
– Track key performance indicators (KPIs) and report on business development activities and outcomes.
– Use data and insights to refine strategies and improve the effectiveness of business development efforts.

QUALIFICATIONS & EXPERIENCE

A Bachelor’s Degree in finance, business administration, accounting, economics, or a related field is typically required.
A Master’s Degree in business administration (MBA) or a related field is highly preferred.
8 years of experience (5 of which should have been in a senior leadership role) in business development, sales, or relationship management within the financial services industry.
Proven track record of success in a senior business development or sales role, with demonstrated experience in leading teams

Senior Customer Experience Manager

1. Customer Experience Strategy Development

Design and implement a comprehensive customer service and experience strategy across all channels (branches, contact centres, digital platforms).
Align CX initiatives with the institution’s overall business goals.

2. Team Leadership and Management

Lead, mentor, and manage the customer service teams to ensure high performance and adherence to service standards.
Develop training programs to equip staff with the necessary skills to provide excellent customer service.

3. Customer Feedback and Insights

Develop processes for collecting and analyzing customer feedback (e.g., surveys, complaints, social media).
Utilize feedback to drive continuous improvements in service delivery.

4. Cross-Functional Collaboration

Work closely with product, marketing, IT, and operations teams to ensure that customer needs are met across all touchpoints.
Collaborate with other departments to implement customer-centric innovations.

5. Customer Journey Mapping

Map customer journeys to identify pain points and opportunities for improving service delivery.
Implement corrective actions to streamline customer experiences.

6. Service Level Management

Develop and monitor customer service standards (KPIs like first response time, resolution time, Net Promoter Score (NPS), etc.).
Ensure service delivery is consistent across all channels, adhering to internal and external compliance.

7. Technology and Digital Solutions

Implement technology-driven solutions (e.g., CRM systems, chatbots) to enhance service efficiency and customer satisfaction.
Identify and integrate emerging technologies to optimize customer experiences.

8. Escalation Management

Handle high-level customer complaints and issues, providing resolutions and maintaining customer loyalty.

9. Reporting and Analytics

Develop regular reports on customer service performance and experience metrics.
Use data analytics to inform business decisions and enhance the customer experience.

QUALIFICATIONS AND EXPERIENCE

Bachelor’s degree in Business Administration, Marketing, Customer Experience, or related fields;
An advanced degree (MBA or equivalent) is preferred;
Certifications in Customer Service Management, Customer Experience (CX) management, or relevant fields;
Proficiency in customer service software (CRM systems), data analysis tools, and digital communication platforms;
8 years of experience in customer experience, sales, or relationship management within the financial services industry.
Proven track record of success in a senior customer experience or sales role, with demonstrated experience in leading teams;
Experience in managing and developing a team of customer experience professionals;
Strong background in strategic planning and execution, with a focus on achieving customer experience growth;
In-depth knowledge of the financial services industry, including market trends, competitive dynamics, and regulatory environment;
Extensive experience managing relationships with high-value clients and developing strategies to enhance customer satisfaction and retention;
Proven ability to engage with senior executives and decision-makers within client organizations.

Credit Risk Agri Product Specialist

Credit Risk Assessment and Analysis:
– Conduct thorough credit assessments for agricultural loan applications, including analysis of financial statements, cash flows, and collateral.
– Evaluate the creditworthiness of borrowers in the agricultural sector by considering factors such as market conditions, crop cycles, and price volatility.
– Develop credit risk models and scoring systems tailored to agricultural lending.

Product Development and Innovation:
– Collaborate with product development teams to design and enhance credit products for the agricultural sector, ensuring they meet client needs and align with risk management principles.
– Provide input on pricing strategies, loan terms, and product features based on credit risk analysis and market conditions.

Risk Mitigation and Policy Development:
– Develop and implement risk mitigation strategies, including collateral management, loan structuring, and monitoring practices specific to agricultural lending.
– Assist in the formulation and review of credit policies and procedures related to agricultural lending to ensure they are robust and aligned with the Bank’s risk appetite.

Portfolio Management and Monitoring:
– Monitor the performance of the agricultural loan portfolio, identifying emerging risks and trends.
– Conduct regular portfolio reviews and stress testing to assess the impact of market conditions on credit risk exposure.
– Recommend corrective actions or adjustments to lending strategies to minimize risk.

Stakeholder Engagement and Advisory:
– Act as a subject matter expert (SME) on agricultural credit risk, providing advice and guidance to relationship managers, credit analysts, and other stakeholders.
– Engage with clients, industry experts, and internal teams to stay informed about market developments and emerging risks in the agricultural sector.

Training and Development:
– Develop and deliver training programs for credit and sales teams on agricultural lending, risk assessment, and mitigation strategies.
– Provide ongoing coaching and support to enhance the team’s understanding of agricultural credit risk.

Compliance and Reporting:
– Ensure all credit risk activities comply with internal policies, regulatory requirements, and industry best practices.
– Prepare regular reports on credit risk exposure, portfolio performance, and key risk indicators (KRIs) for senior management and regulatory bodies.

QUALIFICATIONS & EXPERIENCE

A bachelor’s degree in finance, agribusiness, economics, or a related field or A master’s degree in finance, business administration (MBA), agricultural economics, or a related field is highly preferred.
6 years of experience in credit risk management, with a focus on agricultural lending or agribusiness finance.
Proven track record in credit assessment, risk analysis, and portfolio management in the financial services industry.
Experience in developing and implementing credit risk models and policies specific to agricultural lending.
Background in working with agricultural clients, understanding their unique financial needs and risks.

Collections & Recoveries Manager

Strategic Management
– Develop and implement collection and recovery strategies for both in-house and outsourced teams.
– Set objectives and targets for collection and recovery efforts and align strategies with organizational goals.

Team Oversight
– Manage and lead the internal collections team, providing guidance, support, and performance evaluations.
– Oversee the performance of third-party collection agencies, ensuring they meet agreed-upon standards and contractual obligations.

Performance Monitoring
– Track and analyze performance metrics for both in-house and outsourced collections.
– Prepare regular reports on collection and recovery performance, highlighting successes, challenges, and areas for improvement.

Compliance and Regulation
– Ensure that both in-house and outsourced collections practices comply with relevant regulations and internal policies.
– Conduct regular audits and reviews to ensure adherence to legal and ethical standards.

Process Improvement
– Identify opportunities to improve collection and recovery processes, both internally and with third-party agencies.
– Implement best practices and process enhancements to increase efficiency and effectiveness.

Customer Interaction
– Address escalated customer complaints and complex recovery cases.
– Develop and implement strategies to enhance customer satisfaction and resolve disputes.

Stakeholder Collaboration
– Collaborate with other departments to address systemic issues affecting collections and recovery efforts.
– Maintain relationships with third-party vendors and internal stakeholders to ensure alignment and cooperation.

QUALIFICATIONS & EXPERIENCE

Bachelor’s degree in finance, business administration, or a related field.
Relevant certifications or coursework in collections, credit management, or vendor management is advantageous.
7 years of experience (3 of which should have in management role or leading teams) in collections and recoveries, with significant experience managing both in-house teams and outsourced collections.
Proven track record of overseeing recovery efforts and managing third-party vendors.

Ongoing Credit Risk Management Manager

1. Credit Application Evaluation
– Oversees the evaluation of credit applications for Debt restructures/rehabilitation and workouts ensuring that decisions are made based on sound financial analysis and risk assessment.
– Implement and enforce credit policies, guidelines, and underwriting standards.
– Ensure that all credit applications meet internal risk parameters and comply with regulatory requirements.

2. Portfolio Risk Monitoring and Analysis
– Oversee the ongoing assessment of the credit portfolio, identifying trends and early warning signals of credit deterioration.
– Regularly review exposure to high-risk sectors, clients, and geographical regions.
– Monitor the institution’s credit exposure against set credit limits and regulatory requirements.

3. Identify Early Warning Triggers (EWS)
– Design and implement effective early warning processes to detect potential credit issues before they materialize into defaults.
– Regularly update and refine the EWS indicators based on market conditions and portfolio performance.

4. Credit Risk Reporting
– Lead the preparation and presentation of comprehensive risk reports to senior management, Debt Restructure committees, and the board.

5. Problem Loan Management
– Work closely with Sales Functions /Business Bankers, Business Development Managers to manage problem loans and implement recovery strategies.
– Escalate high-risk exposures for immediate management action and recommend loan restructuring or write-offs as needed.

6. Credit Policy and Compliance:
– Ensure that all credit decisions and exposures are in compliance with internal policies and external regulatory standards.
– Lead periodic reviews of ORM policy and procedures, ensuring they align with the institution’s risk appetite and market conditions.

7. Stakeholder Collaboration:
– Liaise with business units, risk management, audit, and finance teams to ensure alignment of credit risk strategies.
– Provide guidance and training to credit officers and other relevant staff on ongoing credit risk management practices.

QUALIFICATIONS & EXPERIENCE

Bachelor’s degree in finance, accounting, economics, or a related field. A master’s degree or MBA is advantageous;
In-depth knowledge of credit risk regulation;
(IFRS 9) and credit risk management frameworks;
Certifications in credit risk management, financial analysis, or risk management;
At least 7 years of experience in credit risk management, with a focus on ongoing monitoring and portfolio management;
Extensive experience in managing a team and working in a regulated financial institution environment;
Proven track record in early identification of credit risks and successful management of problem loans;
Agric Lending is an added advantage

Senior Ongoing Credit Risk Management Analyst

1. Credit Application (Origination)
– Assess credit applications from Client Services and/ or originate paper for Debt restructures/rehabilitation and workouts ensuring that decisions are made based on sound financial analysis and risk assessment.
– Implement and enforce credit policies, guidelines, and underwriting standards.
– Ensure that all credit applications meet internal risk parameters and comply with regulatory requirements.

2. Portfolio Risk Monitoring and Analysis
– Oversee the ongoing assessment of the credit portfolio, identifying trends and early warning signals of credit deterioration.
– Regularly review exposure to high-risk sectors, clients, and geographical regions.
– Monitor the institution’s credit exposure against set credit limits and regulatory requirements

3. Identify Early Warning Triggers (EWS)
-Implement effective early warning processes to detect potential credit issues before they materialize into defaults.

-Monitor and flag clients or sectors exhibiting deteriorating financial health.

– Loan Accounts to be properly risk classified in line with categorization codes – refer ORM Policy for guidance

4. Credit Risk Reporting
– Preparation and presentation of comprehensive risk reports to senior management and debt restructuring committees.

5. Problem Loan Management
– Work closely with business Bankers, Business Development Managers, to manage problem loans and implement recovery strategies.
– Escalate high-risk exposures for immediate management action and recommend loan restructuring or write-offs as needed.

6. Credit Policy and Compliance
– Ensure that all credit decisions and exposures comply with internal policies and external regulatory standards.
– Contribute periodic reviews of ORM policy and procedures, ensuring they align with the institution’s risk appetite and market conditions.

7. Stakeholder Collaboration
– Liaise with business units, risk management, audit, and finance teams to ensure alignment of credit risk strategies.
– Provide guidance and training to credit officers and other relevant staff on ongoing credit risk management practices.

QUALIFICATIONS & EXPERIENCE

Bachelor’s degree in finance, accounting, economics, or a related field. A master’s degree or MBA is advantageous
In-depth knowledge of credit risk regulation (IFRS 9) and credit risk management frameworks;
Certifications in credit risk management, financial analysis, or risk management;
At least 5 years of experience in credit risk management, with a focus on ongoing monitoring and portfolio management;
Extensive experience in managing a team and working in a regulated financial institution environment;
Proven track record in early identification of credit risks and successful management of problem loans;
Agric Lending is an added advantage

Senior Credit Portfolio and Governance Specialist

1. Credit Portfolio Management

Develop and implement strategies to optimize the credit portfolio’s performance, balancing risk and return.
Conduct regular portfolio reviews to identify trends, opportunities, and potential risks.
Ensure alignment of the credit portfolio with the institution’s risk appetite and strategic objectives.

2. Credit Governance Framework

Design and maintain a robust credit governance framework that adheres to best practices and regulatory requirements.
Participate in the development and continuous improvement of credit policies, procedures, and guidelines.

3. Credit Risk Reporting

Prepare and present insightful credit risk reports for senior management, risk committees, and regulatory bodies.
Develop and maintain a suite of key risk indicators (KRIs) for effective credit risk monitoring.
Provide actionable recommendations based on portfolio analysis and risk assessments.

4. Credit Risk Modelling and Analysis

Oversee the maintenance, and validation of credit risk models, including IFRS 9 models and credit scorecards.
Conduct stress testing and scenario analysis to assess portfolio resilience under various economic conditions.

5. Credit Committee Support:

Serve as a key member of or advisor to the credit committees providing data-driven insights, risk assessments, and recommendations on credit decisions.
Ensure all credit-related decisions are made following proper governance protocols and risk policies.
Facilitate effective decision-making processes through clear communication of complex credit risk concepts.

6. Regulatory Compliance and Audits

Monitor compliance with relevant regulatory requirements, including those related to IFRS 9, and other credit-related regulations.
Support internal and external audits by providing necessary data requirements as well as documentation and ensuring adherence to credit governance standards.

7. Credit Risk Policy Development:

Contribute to the development and review of credit policies, ensuring they reflect current market conditions and regulatory changes.
Recommend changes to credit risk policies and frameworks based on portfolio performance and risk assessment outcomes.

8. Data Analysis and Scenario Testing:

Conduct stress testing and scenario analysis on the credit portfolio to assess its resilience under adverse conditions.
Use data analytics to forecast potential risks and losses and recommend mitigation strategies.

9. Maintain and update various Credit Models

Ensure models performance is tracked, and trends recorded over time
Participate in the period calibration of models having observed market and business trends
Participate in the development of scorecards

10. Stakeholder Management and Training

Build and maintain strong relationships with internal stakeholders across business units and external regulators.
Design and deliver training programs on credit risk management and governance for staff at all levels.
Act as a subject matter expert, providing guidance, training on complex credit risk issues to various departments.

QUALIFICATIONS & EXPERIENCE

Bachelor’s degree in finance, Economics, Actuarial Science, or a related field
Professional certifications such as FRM, Chartered Financial Analyst (CFA), Certified Credit Professional (CCP) certifications in credit risk management will be an added advantage.
Minimum of 6 years of progressive experience in credit risk management, with at least 3 years in a leadership role.
Proven track record in developing and implementing credit risk models and governance frameworks.
Deep understanding of regulatory requirements including Basel III/IV and IFRS 9.
Strong background in statistical analysis, machine learning, and financial modelling.

Credit Portfolio and Governance Specialist

1. Credit Portfolio Management
– Monitor and assess the performance of the credit portfolio, identifying trends, risks, and opportunities to optimize portfolio performance.
– Ensure that the credit portfolio aligns with the institution’s risk appetite and regulatory requirements.

2. Credit Governance Framework
– Implement and maintain a robust credit governance framework, ensuring compliance with internal policies and external regulations.
– Participate in the development and continuous improvement of credit policies, procedures, and guidelines.

3. Credit Risk Reporting
– Prepare detailed credit risk reports for senior management, risk committees, and regulatory bodies, including portfolio reviews, stress tests, and risk assessments.
– Provide insights into the overall health of the credit portfolio, highlighting areas of concern and making recommendations for improvement.

4. Credit Committee Support
– Serve as a key member of or advisor to the credit committees providing data-driven insights, risk assessments, and recommendations on credit decisions.
– Ensure all credit-related decisions are made following proper governance protocols and risk policies.

5. Regulatory Compliance and Audits
– Monitor compliance with relevant regulatory requirements, including those related to IFRS 9, and other credit-related regulations.
– Support internal and external audits by providing necessary documentation and ensuring adherence to credit governance standards.

6. Credit Risk Policy Development
– Contribute to the development and review of credit policies, ensuring they reflect current market conditions and regulatory changes.
– Recommend changes to credit risk policies and frameworks based on portfolio performance and risk assessment outcomes.

7. Data Analysis and Scenario Testing
– Conduct stress testing and scenario analysis on the credit portfolio to assess its resilience under adverse conditions.
– Use data analytics to forecast potential risks and losses and recommend mitigation strategies.

8. Maintain and update Credit Models

– (IFRS9) including the development of scorecards

9. Training and Awareness
– Provide training to credit teams and other stakeholders on credit governance, portfolio management, and regulatory compliance.
– Raise awareness of credit governance practices and risk management standards across the organization.

QUALIFICATIONS & EXPERIENCE

Bachelor’s degree in computer information studies, Finance & Statistics, Actuarial Science, Data Science or Business Information Systems
Certifications in credit risk management, financial analysis, or risk management will be an added advantage.
5 years of experience in credit modeling, portfolio monitoring
Proven track record in managing credit portfolios and leading credit data analytics teams.
Extensive experience with credit risk modeling, financial & data analysis, and regulatory compliance in the financial services industry.

Credit Evaluation Manager

1. Credit Application Evaluation
– Oversee the evaluation of credit applications, ensuring that decisions are made based on sound financial analysis and risk assessment.
– Implement and enforce credit policies, guidelines, and underwriting standards.
– Ensure that all credit applications meet internal risk parameters and comply with regulatory requirements.

2. Risk Management
– Identify and assess credit risks, ensuring that lending decisions align with the institution’s risk appetite.
– Develop strategies to mitigate credit risks, including recommending credit terms or collateral requirements.
– Monitor the quality of the credit portfolio, identifying early warning signs of potential defaults.

3. Credit Policy and Process Improvement
– Review and update credit policies, procedures, and tools to ensure they remain effective and in line with regulatory changes.
– Lead initiatives to improve credit evaluation processes, focusing on efficiency and accuracy.

4.Team Leadership and Development
– Lead, train, and mentor a team of credit evaluation analysts and credit officers.
– Ensure that the team is well-equipped to evaluate credit applications effectively and make sound credit decisions.
– Conduct regular performance reviews and provide ongoing support for professional development.

5. Stakeholder Engagement
– Work closely with Credit Origination teams , business development teams, Business Bankers and other stakeholders to provide insights into credit decisions.
– Provide recommendations to senior management on high-value or high-risk credit applications.

6. Compliance and Reporting
– Ensure that all credit decisions comply with internal policies and external regulatory requirements.
– Prepare reports on the performance of the credit portfolio, highlighting key risks, trends, and opportunities.

QUALIFICATIONS AND EXPERIENCE

Bachelor’s degree in finance, economics, accounting, or a related field;
Master’s degree or MBA is advantageous.
Certifications in credit risk management, financial analysis, or risk management
7+ years of experience in credit analysis or credit evaluation, with at least 3 years in a management or leadership role.
Proven track record in managing credit portfolios and leading credit evaluation teams.
Extensive experience with credit risk assessment, financial analysis, and regulatory compliance in the financial services industry.
Agric Lending is an added advantage

Ongoing Credit Risk Management Analyst

2. Portfolio Risk Monitoring and Analysis
– Oversee the ongoing assessment of the credit portfolio, identifying trends and early warning signals of credit deterioration.
– Regularly review exposure to high-risk sectors, clients, and geographical regions.
– Monitor the institution’s credit exposure against set credit limits and regulatory requirements.

3. Identify Early Warning Triggers (EWS)
– Implement effective early warning processes to detect potential credit issues before they materialize into defaults.

– Monitor and flag clients or sectors exhibiting deteriorating financial health. Loan Accounts to be properly risk classified in line with categorization codes – refer ORM Policy for guidance

4. Credit Risk Reporting
– Preparation and presentation of comprehensive risk reports to senior management and debt restructuring committees.

5. Problem Loan Management
– Work closely with Business Bankers, Business Development Managers, to manage problem loans and implement recovery strategies.
– Escalate high-risk exposures for immediate management action and recommend loan restructuring or write-offs as needed.

6. Credit Policy and Compliance
– Ensure that all credit decisions and exposures comply with internal policies and external regulatory standards.
– Contribute to periodic reviews of ORM policy and procedures, ensuring they align with the institution’s risk appetite and market conditions.

7. Stakeholder Collaboration
– Liaise with business units, risk management, audit, and finance teams to ensure alignment of credit risk strategies.
– Provide guidance and training to credit officers and other relevant staff on ongoing credit risk management practices.

QUALIFICATIONS AND EXPERIENCE

Bachelor’s degree in finance, accounting, economics, or a related field.
In-depth knowledge of credit risk regulation.
(IFRS 9) and credit risk management frameworks.
At least 5 years of experience in credit risk management, with a focus on ongoing monitoring and portfolio management.
Extensive experience in managing a team and working in a regulated financial institution environment.
Proven track record in early identification of credit risks and successful management of problem loans.

Senior Operations Manager

1. Operational Management:

– Oversee daily operations, ensuring processes run smoothly and efficiently across departments.

– Manage and optimize operational workflows, including transaction processing, service delivery, and system performance.

2. Strategy Implementation:

– Develop and implement operational strategies and initiatives aligned with the institution’s goals and objectives.

– Monitor and evaluate the effectiveness of operational strategies and adjust as needed.

3. Team Leadership:

– Lead and manage operations teams, providing guidance, support, and performance management.

– Foster a positive work environment and ensure team members are motivated and engaged.

4. Compliance and Risk Management

– Ensure all operational activities comply with regulatory requirements, internal policies, and industry standards.

– Identify and manage operational risks, implementing controls to mitigate potential issues.

5. Process Improvement:

– Identify opportunities for process improvements and efficiency enhancements.

– Lead continuous improvement initiatives to streamline operations and enhance service quality.

6. Performance Monitoring and Reporting:

– Monitor key operational metrics and performance indicators.

– Prepare and present regular reports on operational performance, highlighting key achievements and areas for improvement.

7. Cross-Functional Collaboration:

– Collaborate with other departments, including IT, finance, and client segments to ensure seamless operations integration.

– Coordinate with external partners and vendors to manage operational aspects effectively.

QUALIFICATIONS & EXPERIENCE

A Bachelor’s degree in business administration, finance, operations management, or a related field.
Master’s degree or relevant professional certifications (e.g., Six Sigma, PMP) are advantageous;
8 years of experience in operations management, preferably in the financial services industry.
Proven track record of managing complex operational processes and leading teams

Credit Collateral Manager

Collateral Management and Loan Agreements

Oversee the evaluation, documentation, and management of collateral assets and preparation of loan agreements;
Ensure that collateral values are accurate and that the collateral meets all required standards.

2. Documentation and Agreements:

Draft, review, and manage security documentation and loan agreements as per approved terms and conditions.
Ensure all documentation is accurate, complete, and legally binding.
Ensure regular review of collateral templates.

3. Perfection of Collateral and Uploading of Collateral values

Ensure that all legal and procedural requirements for the perfection of collateral are met.
Ensure the collateral values are captured/uploaded in the system for accurate collateral register
Issue instructions to Conveyancers and ensure proper registration of collateral.

4. Conditions Precedent:

Monitor and ensure that all loan terms and conditions precedent are met before the disbursement of credit.
Coordinate with relevant departments and external parties to address any issues.

5. Insurance and Valuations:

Manage and oversee insurance policies related to collateral.
Ensure that all collateral valuations are current and accurately reflect market conditions.

6. Governance Committee:

Serve as the Secretary for the Governance Committee, preparing agendas, and minutes, and facilitating meetings.
Ensure that all forum decisions and actions are documented and followed up.

7. Reporting and Analysis:

Prepare reports on collateral performance, documentation status, and compliance with requirements.
Provide analysis and recommendations for improving collateral management practices.

8. Stakeholder Coordination:

Liaise with legal advisors, appraisers, and other external parties to support collateral management and documentation processes.
Coordinate with internal departments to ensure efficient execution of collateral-related activities.

QUALIFICATIONS & EXPERIENCE

Bachelor’s degree in finance, business administration, accounting law, economics a related field;
Professional certifications (e.g., CFA, CLL, or similar) or advanced degrees (e.g., MBA, LLM) are advantageous;
7 years of experience in credit collateral management, legal documentation, or a related field within the financial services industry.
Proven experience in managing collateral, drafting legal agreements, and overseeing compliance.

Team Leader – Credit Collateral

1. Team Leadership and Management:

Lead and manage a team responsible for collateral management, including drafting agreements, documentation, and perfection of collateral.
Provide guidance, support, and training to team members to ensure effective performance.

2. Collateral Documentation and Agreements:

Oversee the drafting, review, and management of security documentation and agreements.
Ensure all documentation is legally sound and accurately reflects the terms of collateral agreements.

3. Perfection of Collateral:

Ensure all legal and procedural requirements for collateral perfection are met.
Issue instructions to the Deeds Office for proper registration and protection of collateral.

4. Conditions Precedent:

Monitor and ensure that all conditions precedent are fulfilled before credit disbursement.
Coordinate with internal departments and external parties to address any issues.

5. Fire Policies and Valuations Management:

Oversee the management of fire insurance policies related to collateral.
Ensure regular and accurate valuations of collateral assets are conducted and maintained.

6. Deal Conclusion Forum:

Serve as the Secretary for the Deal Conclusion Forum, preparing agendas, minutes, and facilitating meetings.
Ensure effective documentation and follow-up of forum decisions and actions.

7. Reporting and Analysis:

Prepare and present reports on collateral performance, documentation status, and compliance.
Analyze trends and provide recommendations for process improvements.

8. Stakeholder Coordination:

Liaise with legal advisors, appraisers, and other external parties to support collateral management and documentation processes.
Coordinate with internal departments to ensure smooth execution of collateral-related activities.

QUALIFICATIONS & EXPERIENCE

Bachelor’s degree in finance, business administration, law, or a related field.
Professional certifications (e.g., CFA, CLL, or similar) or advanced degrees (e.g., MBA, LLM) are advantageous.
6 years of experience in credit collateral management, legal documentation, or a related field within the financial services industry.
Proven experience in managing collateral, drafting legal agreements, and leading a team.

Knowledge Information Management Specialist

1. Knowledge Management Strategy:

– Develop and implement knowledge management strategies and frameworks.

– Design and execute knowledge-sharing initiatives to promote best practices and collaboration.

2. Information Systems Management:

– Ensure systems are secure, reliable, and meet the organization’s needs.

3. Data Capture and Storage:

– Implement processes for capturing and storing critical information and knowledge.

– Ensure data is accurately recorded, classified, and easily retrievable.

4. Knowledge Sharing and Collaboration:

– Facilitate knowledge-sharing initiatives and collaborative platforms.

– Organize training and workshops to enhance employees’ information management skills.

5. Compliance and Governance:

– Ensure information management practices comply with legal, regulatory, and organizational standards.

– Develop and enforce policies for data protection, privacy, and information governance.

6. Reporting and Analysis:

– Prepare reports on knowledge management activities and information system performance.

– Analyze data to identify trends, insights, and opportunities for improvement.

7. Stakeholder Engagement:

– Collaborate with internal departments to understand their information needs and provide support.

– Engage with external vendors and partners to manage information-related services and tools.

QUALIFICATIONS & EXPERIENCE

– Bachelor’s degree in information management, business administration, IT, or a related field.

– Professional certifications (e.g., Certified Information Professional, Knowledge Management Certification) or advanced degrees (e.g., MBA, Master’s in Information Management) are advantageous

– 6 years of experience in knowledge management, information management, or a related field within the financial services industry.

– Proven experience in managing information systems, developing knowledge-sharing strategies, and ensuring compliance

Knowledge Information Management Officer

1. Knowledge Management Implementation:

– Support the development and execution of knowledge management strategies and processes.

– Implement and manage knowledge-sharing tools and platforms.

2. Information System Management:

– Ensure systems are operational, secure, and meet user needs.

3. Data Capture and Storage:

– Oversee the collection, organization, and storage of information.

– Ensure accurate and systematic documentation of data and knowledge assets.

4. Knowledge Sharing and Collaboration:

– Facilitate knowledge-sharing sessions and collaborative efforts among teams.

– Organize training and support materials to enhance knowledge management practices.

5. Compliance and Security:

– Ensure adherence to data protection regulations and institutional policies.

– Manage access controls and data security measures to protect sensitive information.

6. Reporting and Documentation:

– Prepare and maintain reports on knowledge management activities and system performance.

– Document processes, policies, and procedures related to information management.

7. Stakeholder Support:

– Assist internal teams with information management needs and queries.

– Coordinate with IT and other departments to resolve information system issues.

QUALIFICATIONS & EXPERIENCE

– Bachelor’s degree in information management, business administration, IT, or a related field.

– 2-4 years of experience in knowledge management, information management, or a related field within a financial institution.

– Experience with information systems, data management, and knowledge-sharing practices

Product Manager

1. Product Development and Lifecycle Management
– Lead the development of new financial products from ideation to launch.
– Manage the entire product lifecycle, including enhancements, updates, and retirement.
– Conduct market research to identify customer needs, emerging trends, and competitive positioning.

2. Strategy and Roadmap
– Define product strategy, objectives, and roadmaps that align with the institution’s business goals.
– Work with cross-functional teams (e.g., marketing, IT, operations, legal, and compliance) to execute the product strategy.
– Ensure products meet regulatory requirements and internal policies.

3. Customer and Market Insights
– Analyze customer feedback, market data, and competitive analysis to refine product offerings.
– Collaborate with customer service and sales teams to gather insights and address customer pain points.

4. Product Performance Management
– Monitor product performance, including profitability, market share, and customer satisfaction.
– Adjust product features, pricing, or positioning as needed to meet business objectives.
– Conduct product training and support for internal teams (e.g., sales, operations).

5. Stakeholder Management
– Collaborate with internal and external stakeholders to align product initiatives with broader business strategies.
– Present product performance updates and recommendations to senior management.

6. Financial and Risk Management
– Establish pricing strategies, ensuring competitiveness and profitability.
– Assess product risks and ensure proper risk mitigation measures are in place.
– Track product-related costs and manage product budget effectively.

QUALIFICATIONS & EXPERIENCE

A bachelor’s degree in business, finance, marketing, or a related field; an MBA is advantageous.
– Certifications in product management (e.g., Certified Scrum Product Owner) or project management are beneficial.
– Strong understanding of financial markets, regulations, and customer preferences in the financial services industry

-7 years of experience in product management, preferably within the financial services or banking industry.
– Experience in developing and managing financial products
– Proven track record of driving product innovation and improving product performance

Product Analyst

1. Data Collection and Analysis:
– Gather data on product performance, customer usage, and competitor offerings.
– Analyze customer feedback and market trends to identify product opportunities and areas for improvement.
– Provide data-driven insights to support product development, enhancements, and business decisions.

2. Reporting and Presentations:
– Prepare regular reports on product performance metrics, such as revenue, customer acquisition, retention, and market share.
– Present findings to product management teams and senior management, making recommendations for product improvements.

3. Product Support and Coordination:
– Collaborate with product managers, marketing teams, and sales teams to ensure product alignment with business strategies.
– Assist in product testing and quality assurance during product development or enhancements.
– Monitor competitors and industry trends to help the organization stay competitive.

4. Market Research:
– Conduct market research to identify new product opportunities or areas for expansion.
– Analyze customer segments and behaviors to tailor product offerings to specific needs.

5. Risk and Compliance Support:
– Work with compliance and risk teams to ensure that products meet regulatory requirements.
– Monitor risks related to product performance and customer satisfaction.

6. Customer Insights:
– Analyze customer interactions and behaviors to provide insights into product usage and satisfaction.
– Use analytics to track customer preferences, identify pain points, and recommend product improvements.

QUALIFICATIONS & EXPERIENCE

– A bachelor’s degree in finance, economics, business administration, or a related field; a master’s degree is advantageous.
– Proficiency in data analysis software (e.g., Excel, SQL) and business intelligence tools (e.g., Tableau, Power BI).
– Strong knowledge of market research techniques and tools.
– Certifications in data analysis, product management, or financial analysis are beneficial

– 6 years of experience in product analysis, data analysis, or business analysis, preferably within the financial services industry.
– Experience in handling large datasets, working with cross-functional teams, and providing actionable insights for product development.
– Familiarity with financial products and services, including retail and commercial products

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All the best with your applications