KCB Bank Careers

KEY RESPONSIBILITIES: 

• Build a quality Agribusiness asset portfolio as per the set targets within assigned region(s)
• Monitor and maintain portfolio quality within acceptable credit risk exposure (below 5%)
• Grow liability accounts as per the set retail targets. 
• Build and maintain an effective new Sales Pipeline in the Agriculture sector.
• Effectively market the Agribusiness Products to new Prospects and increase KCB Agribusiness market share on both Assets and Liabilities significantly.
• Develop appropriate plans, project concepts and proposals for the agriculture sector.
• Evaluate, Monitor and co-ordinate project Implementation on Agribusiness initiatives.
• Analyze the market trends in the Agribusiness sector and effectively position the company's products to be competitive. 
• Ensure preparation comprehensive communication and support to Agribusiness products/services.  
• Undertake effective Agribusiness brand training to the business to increase product knowledge and uptake on the Agribusiness brands as well as champion Agribusiness activations promotional campaigns to achieve the set targets.   
• Enterprise-wide Risk Management; -Adherence to Standard Operating Procedures (SOPS), Anti-Money Laundering (AML), Credit policy prudential guidelines, combating the Financing of Terrorism (CFT) and Know Your Customer (KYC) procedures to mitigate against losses, frauds, forgeries, and regulatory penalties’.

DAILY RESPONSIBILITIES: NOT MORE THAN 5 OF THE MOST TYPICAL

• Pursuing business development leads in the allocated region(s)
• Assists in Monitoring and collection of agribusiness loans in allocated region(s)
• Support the various branches in allocated region(s) on loan packaging, loan collection, account opening and deposit mobilisation.
• Develop appropriate plans, project concepts and proposals for the agriculture value chains within the allocated region(s) 
• Undertake effective Agribusiness brand training to the customers and staff to increase product knowledge and uptake on all Agribusiness brands.

MINIMUM POSITION QUALIFICATION REQUIREMENTS

Academic & Professional

Education   

•  Bachelor’s degree    Agribusiness,Agricultural Economics,Agronomy,Horticulture, Animal Science or General Agriculture.         RQ

Professional Qualifications    

• CPA (K), CAF, CPS(K)         AA     
• Master’s degree    Business Administration         AA     

Experience

Total Minimum No of Years Experience Required

3 years 

Detail    Minimum No of Years    Need Type[5]

• Sales    2    ES
• Credit appraisal    3    ES
• Banking Ops    2    DE
• loan recovery    3    ES
• Farming enterprise appraisal    3    ES

KEY RESPONSIBILITIES

• Drive product monitoring and control of all trade finance products in liaison with Trade finance BDMs, Relationship Managers and Trade operations team.
• Ensure implementation and cascade of all appropriate procedures in line with the requirements and process in ‘user’ units.
• Ensure adherence to and application of established policies, processes, procedures and tools to achieve optimal efficiency, compliance and cost containment.
• Tracking and regular review of products and channels from client feedback and market trends to increase utilization of Trade Finance products by current and prospective customers.
• Restructuring products when necessary and Managing the restructuring process
• Formulate effective product documentation, policies and procedures, SLA’s to effectively deliver the envisaged propositions
• Contribute to the formulation of the sales budget/pricing process including concessions.
• Conduct regular portfolio reviews to identify areas of improvement and develop tactical plans towards achieving set risk and compliance criteria.
• Responsible for the implementation and adoption  of all Compliance, Anti-Money Laundering and Sanctions related requirements contained in policies, procedures and processes within Trade finance department, and trade finance product audits 
• Ensure the implementation and regular review of product programme guides for all Trade Finance product sets.
• Represent the Bank at sales forums and industry events.

Academic:

• A Bachelors’ Degree in Business Management with a bias in Commerce, Accounting, Economics or Finance
• Possession of MBA/ MSc. in a relevant field will be an added advantage 

Professional:

• Certified Documentary Credit Specialist (CDCS) or ACIB/AKIB Banking qualifications will be an added advantage.  

Desired work experience:

• At least 10 years’ experience in business management/trade finance product development & management
• At least 4 years banking operations experience
• Experience in leading teams
• Critical –operational knowledge of Trade Finance products
• Previous management experience in a sales or operational role
• Experience in customer service and Value Chain Finance products
• General Branch Banking Operations
• Experience in relationship management and service delivery.
• Proficient in Ms Office Suite – Ms Word, Power Point, Ms Excel

KEY RESPONSIBILITIES: 

• Provide direction and guidance to product design teams to meet timely deliveries.
• Manage product design and development activities.
• Provide design solutions to meet cost-effectiveness and on-time deliveries.
• Validate product designs, identify constraints and provide corrective actions.
• Evaluate the design of new and existing products by conducting thorough analysis and assessment of product specifications.
• Support and align efforts to meet customer and business needs.
• Understand and negotiate the needs and expectations of multiple stakeholders.
• Effectively communicate insights and plans to cross-functional team members and management.
• Contribute to product direction conversations, with emphasis on leading the experience vision for the product areas.
• Meet regularly with key business partners to review current challenges, uncover root causes, recommend course correction, and implement strategies to support implementation effectiveness based on feedback.

The successful candidate should have the following:

• A Bachelor's degree in Business, Technology or Engineering related field experience.
• Professional qualification in business analysis certification will be an added advantage
• At least five years experience in the financial services sector, including experience in the following areas: 
  • Computer systems and functions knowledge
  • Business analysis
  • Stakeholder management
  • Project Management 
  •  Technology and System architecture related profession
  • Experience with relational various technologies and operating platforms.
  • Conversant with emerging technologies and new digital business models.
  • Basic understanding of system architecture, networking, data transmission through networks and data security.

The preferred candidate will possess the below attributes:  

• Passionate about and solid experience in the development & integration of digital technology platforms
• Commercially minded and experienced in interpreting business requirements into meaningful technical functionalities.
• Proven ability to collaborate with other team members across boundaries and contribute productively to the team’s work and output, demonstrating respect for different points of view. 
• Skilled in reporting, and presentation to C-suite level stakeholders
• Self-motivated and results-focused

KEY RESPONSIBILITIES: 

• Design intuitive and visually appealing user interfaces for our digital banking platforms based on customer insights.
• Create wireframes, prototypes, and high-fidelity mockups to effectively communicate design concepts.
• Conduct user research of new and existing products to understand customer behaviors, needs, and pain points.
• Ensure a seamless and consistent user experience across various digital channels (web, mobile, and other platforms).
• Work closely with cross-functional teams, including developers, product managers, and other stakeholders, to bring designs from concept to implementation.
• Collaborate with marketing and branding teams to ensure a cohesive and on-brand user experience.
• Plan and conduct usability testing sessions to gather valuable insights and feedback from users.
• Iterate on designs based on user testing results to continuously improve the user experience.

  The successful candidate should have the following:

• Bachelor’s degree preferably in UI/UX design/Human-Computer Interaction or Technology related degree
• At least four (4) years relevant work experience with specific experience in:
• UI/UX Designer with a strong portfolio showcasing successful projects.
• Use of design and prototyping with tools such as Figma and Adobe suite.
• Front-end development technologies (HTML, CSS, JavaScript)
• Experience in research methodologies.
• customer journey mapping and user experience testing.
• Project Management/Relationship Management. 

KEY RESPONSIBILITIES

• Analyzing enterprise specifics - Facilitate the identification and analysis of the Bank’s business drivers to deliver enterprise business, information, technical and solution architecture requirements.
• Solution Design – End-to-end solution & architecture design for assigned projects and initiatives and ensuring solution design alignment between stakeholders before implementation.
• Analyzing and documenting requirements - Elicit business requirements using interviews, analysis, requirements workshops, surveys, site visits, business process descriptions, use cases, scenarios, business analysis, task and workflow analysis. 
• Setting the collaboration framework- Liaise with the business subject matter experts in the development of clear roadmaps of business solutions.
• Analyzing the technology environment - Provide an analysis to determine best path for solving business problems/opportunities that may include process improvement vis a vis information technology systems enhancement.
• Controlling solution development - Participate in solution developments to ensure technical (as documented in solution designs) and business requirements are adhered to. Any valid deviations should be documented exceptions for tracking and remediation of technical debt. 
• Supporting project management- Provide architectural oversight of projects and ensure that requirements are in alignment with business strategies and business architecture roadmap/framework.
• Leverage’s business capabilities as a platform for illustrating the link between business needs with decisions to their technology, solution, business and information architecture efforts
• Translate strategic initiatives into delivery-focused change initiatives, while translating business processes and issues into effective conceptual and logical models.
• Build and maintain repository for deliverables, methodologies, and business development documents
• Ability to independently facilitate discussions with groups of diverse stakeholders and manage the flow of conversation while driving to meet business objectives.
• Ability to independently manage conflict among diverse cross portfolio stakeholders related to competing interests and requirements. Able to help stakeholders objectively examine real needs versus wants and ways to collaborate to achieve win/win resolutions.
• Develop and guide adoption of design patterns with a view of standardizing solution components built for the enterprise
• Participate, guide and support quality assurance team in planning and execution of performance testing and other non-functional tests
• Lead in all round capacity management for current and future solutions

JOB QUALIFICATIONS & ATTRIBUTES

• 7+ years of progressive experience in Information Technology
• Experience in at least two IT disciplines such as (business architecture, application architecture, application development, middleware, microservices and Service Oriented Architecture) 
• Experience in Database management systems
• Prior working experience with a formal enterprise architecture framework 
• Exposure to multiple, diverse technologies, cloud computing and containerization.
• Excellent understanding of software delivery processes, (DevOps) and methodologies (i.e. waterfall, agile, hybrid)
• Exceptional interpersonal skills, including teamwork, facilitation and negotiation
• Excellent planning and organizational skills with ability to breakdown complex items to actionable elements
• Knowledge of all components of holistic enterprise architecture
• Familiarity with graphical modeling approaches, tools and model repositories
• Ability to balance the long-term ("big picture") and short-term implications on individual components and projects
• Ability to liaise with all levels of management and subject matter experts across the industry and within the organization to drive adoption of solution Architecture

JOB DESCRIPTION

• Lead the design, research and testing of product, concepts, customer value propositions and determine new ideas to drive product and service penetration by understanding new customer tastes and preferences, unarticulated customer needs and existing unmet needs, customer experience and sentiments. 
• Employ a mix of quantitative and qualitative methods like AB testing, conjoint analysis, range ladders, and usability studies to define metrics that gauge the effectiveness of products, concepts, and value propositions. Analyze the data to generate actionable recommendations that drive optimal outcomes.
• Lead analytics on consumer behaviour and marketing effectiveness i.e. marketing mix modelling, ROI, Next product to buy, response modelling, Product optimization work, Concept optimization work etc 
• Creating focus and ownership for shaping business' future ambitions by leading collaboration efforts with Data and Analytics team to define next product to buy for customers and opportunities to focus business divisions / subsidiaries on cross sell.
• Manage the process of undertaking competitor analysis on core competitors, upcoming disruptors, industry, customer models but not limited to, market share, growth projections and trends. This also includes tracking changes in segment size and income pools for target customer value propositions with the aim of growing business value for the segments
• Provides the market, competitive intelligence, product, customer value propositions assessment for strategic planning, and proactively makes recommendations to management concerning key intelligence items that require further consideration.
• Manage a broad range of sources (internal and external) of current market information and making thematic presentations on micro-economic trends (growth of businesses, population, product demands and market potential for goods and services), tracking of pricing and product features for financial products and services to provide harmonized tariff details, trends and observations and elict feedback on the same whilst instilling confidence in market research.
• Provides impactful insights on product performance (top vs bottom) through proactively engaging with business leaders or leading co-creation workshops to understand needs, prioritize enhancement of customer value propositions and products with the aim to unlock business potential and pilot, test and incubate business solutions and products before scaling. 
• Provides market and competitive insights through presentations and reports to the Executive Leadership Team and various internal management teams to allow effective strategic and tactical decision-making and implementation.
• Maintain close relationships with the research community to discover new partnerships and stay on the cutting edge of research. 
• Develop a consumer insights dissemination strategy to ensure wide, regular and timely circulation of report
• Any other tasks allocated. 

Education: Academic & Professional

• Bachelor of Commerce (Finance or Accounting Option) or other related business Degree, Bachelor of Arts (Economics), BSC (Mathematics or Financial Engineering) 
• Advanced MS Excel skills 

Experience 

Detail (examples) Minimum No of Years  Need Type5

• 5 years Market research 
• 4 years Problem statement conceptualization 
• 4 years Questionnaire design   
• 4 years Sample design and development 
• 4 years Development of a data analysis plan 
• 3 years Product performance management 
• 5 years Market Intelligence 
• 5 years Competitor Analysis 
• 4 years Data visualization SAP BI, Power BI,
• 4 years Data triangulation 
• 4 years Preparation of senior management reports 
• 4 years Stakeholder management
• 4 years Multiple project management 
• 4 years Automation of large data sets 
• 3 years Knowledge of writing SQL queries on Oracle data warehouses
• 5 years Data analysis tools such as Advanced MS Excel, SPSS, STATA, R.
• 5 years Data analysis in AB testing, conjoint analysis, pricing i.e. range ladders, elasticities and conjoint analysis

KEY RESPONSIBILITIES

• Create and sustain a comprehensive enterprise architecture strategy aligned with the business objectives Bank. Ensure that technology decisions support long-term goals and growth, aligning the architecture strategy with the bank's business goals, objectives, and regulatory requirements.
• Assess the bank's current technology capabilities, including infrastructure, platforms, tools and technology practices and define a technology capabilities roadmap and blueprint that aligns with the bank's long-term strategic goals and digital transformation agenda.
• Oversee the design and implementation of complex technology solutions, ensuring they meet business requirements and align with architectural standards.
• In collaboration with cross-functional teams, develop strategies and roadmaps for systematically addressing technical debt, including legacy systems & outdated technologies, while  ensuring alignment with business objectives and risk management priorities.
• Evaluate existing applications and software platforms to identify opportunities for modernization, including migration to cloud-native architectures, adoption of microservices, and containerization.
• Define architectural blueprints and transformation plans for modernizing legacy applications, improving scalability, performance, and agility while minimizing disruptions to business operations.
• Lead the implementation of modernization initiatives, overseeing development teams, and ensuring adherence to best practices, standards, and architectural guidelines.
• Establish processes and criteria for evaluating and prioritizing application investments, ensuring that resources are allocated to initiatives that deliver the most value to the business.
• Collaborate with Technology leadership and stakeholders to prioritize investments, allocate resources, and execute initiatives aimed at developing and strengthening technology capabilities.
• Champion the adoption of new technologies, methodologies, and best practices that drive operational excellence, enhance customer experience, and drive business growth.

DAILY RESPONSIBILITIES:

• Develop and communicate technology roadmaps for various business units. Ensure alignment with industry best practices and emerging trends.
• Define and design the architecture for various applications and systems. Ensure consistency and integration across different platforms and technologies.
• In collaborate with cross-functional teams support the Bank to evaluate and select technologies that align with the bank's architecture and business needs.
• Maintain comprehensive documentation of the bank's enterprise architecture, including principles, standards, guidelines, and solution blueprints.
• Identify gaps in technology and business capabilities and provide plans to address the gaps.

KEY RESPONSIBILITIES: 

• Assess business models, digital platforms, and their architecture to identify key drivers of success and evaluate potential risks.
• Develop technical evaluation models, required for conducting architectural appraisals and analyzing the technology components of proposed solutions.
• Presentation of the technical findings and recommendations, during their engagements with the innovation team and other stakeholders.
• Create and maintain comprehensive technical documentation of digital financial products and services. This includes system architecture, workflows, and integration processes and keep the documentation up to date with any changes or enhancements.
• Be a passionate problem solver - breaking down problems and developing analytical insights.
• Providing relevant data-related reports to KCB Bank Leadership and key stakeholders for decision-making, action planning, and continuous improvement.
• Providing technical assistance and building understanding among key users about the effective use of data and insights drawn from internal and industry trends
• Conduct technical analysis,validation and quality assurance to gain insights into user experience, business funtionalties, workflow processes, and system archtecture to inform decision-making and recommend improvements to enhance user experience. 
• Collecting, analyzing different business needs and reporting on functional requirements of the organisation.
• In collaboration with quality assurance teams , evaluate the reliability, security, and performance of proposed digital financial products & platforms.
• Manage and mitigate against project risks.

The successful candidate should have the following:

• A Bachelor's degree in Information Technology, Computer Science, Statistics, Data Analysis or related quantitative fields is preferred
• At least  3 years experience in Technology and System architecture related profession, including experience in the following areas:
• Experience with relational various technologies and operating platforms.
• Conversant with emerging technologies and new digital business models.

The preferred candidate will possess the following skills and attributes:

• Basic understanding of system architecture, networking, data transmission through networks and data security.
• Passionate about and solid experience in the development & integration of digital technology platforms
• Commercially minded and experienced in interpreting business requirements into meaningful technical functionalities.
• Proven ability to collaborate with other team members across boundaries and contribute productively to the team’s work and output, demonstrating respect for different points of view. 
• Skilled in reporting, and presentation to C-suite level stakeholders
• Self-motivated and results-focused

 KEY RESPONSIBILITIES: 

• Transform large, complex datasets into pragmatic, actionable insights, leverage data to identify, quantify and influence tangible business gain by performing ad-hoc analysis and presenting results in reports, dashboards and charts.
• Provide support in establishing the viability for new products in the market i.e. Business Cases formulation, outlining revenue lines and costs for each product.
• Develop performance measurement dashboards e.g. for KPIs, targets etc. which serve as a yardstick for analyzing the performance of digital products and services.
• Produce product performance reports – Daily/Weekly/Monthly/Quarterly/Annual reports to internal and external stakeholders
• Prepare competitor products analysis to benchmark on performance, market share and determine opportunities for growth.
• Provide data to the Data Analytics and Risk teams to support the regular update of tools and working models
• Prepare reports for regulatory &/or statutory reporting.

The successful candidate should have the following:

• A Bachelors in Business, Statistics, IT, Data Analysis or related quantitative fields is preferred. Masters Degree or related Professional qualifications will be an added advantage.
• Professional Certification in Business Analysis/IMIS/CPA/ Certification in data analysis e.g. SPSS/Power BI will be an added advantage
• At least 3 years' experience in data analysis, commercial analysis or performance reporting is required.
• Experience with relational databases such as Oracle, SQL queries is preferred.
• Experience in extracting data from a variety of data sources and different formats 

Additionally, the preferred candidate will demonstrate the following skills and attributes:

• Passionate about and solid experience in analytics tools
• Commercially minded and experienced in interpreting data into meaningful information and actions.
• Proven ability to collaborate with other team members across boundaries and contribute productively to the team’s work and output, demonstrating respect for different points of view. 
• Able to use strong interpersonal and teamwork skills to cultivate effective, productive client relationships and partnerships across organizational boundaries.
• Strong co-ordination and project management skills to handle complex projects