Kingdom Bank Careers

Reports to: Senior Manager- Digital Banking

Location: Head Office

The role holder will be responsible for driving sales, analysis, reporting, and arrears management of the bank’s E-Credit Products.

Responsibilities

The successful jobholder will be expected to:

• Be the overall team leader for E-Credit function under Digital banking.
• Drives sales and growth of E-Credit quality Loan book.
• Ensure all customer/ service related and CBK related queries are addressed to accordingly within SLA.
• In charge of arrears management through collections.
• Ensure 100% compliance with bank policies and procedures.
• Closure of all audit items related to E-Credit.
• Ensure continuous monitoring and evaluation of loan book portfolio.
• Organizing and tracking campaigns success.
• Implement E-Credit strategies to achieve effective and Optimum growth of E-Credit Satisfied customers.
• Ensure operational efficiency and a seamless product relationship experience for all customers.
• Be accountable for managing the E-Credit function, maximizing performance of the team as well as profitability.
• Recommend pricing, promotions, sales targets, and programs to meet and maximize revenue targets.
• Monitor and review E-Credit performance and customer feedback
• Formulating and implementing sales initiatives and marketing strategies
• Proactively identifying opportunities and possible partnerships/ innovations for growth and translating those into value proposition.
• Research, analyze and report important industry and market intelligence in relation to market trends and future product development.
• Continuously contribute to systems and service improvement by coming up with new services and products.
• Undertaking User Acceptance test on the enhancements and new system development.

The role holder will be responsible for E-Credit quality loan book growth for the following but not limited to:

• KB Okolea.
• Loan on Phone.

Qualifications

• A bachelor’s degree in a Business-related field from a recognized university.
• Post graduate degree will be an added advantage.
• A minimum 5-year relevant experience in E-Credit
• A proven record of successful E-Credit management
• Proficient in Ms. Office will be an added advantage.
• Good knowledge of E-Credit with a good understanding of the different business opportunities

Excellent communication & inter-personal skills as well as the capability to understand, manage, deploy, and support several products.

Reports to: Head of Internal Audit

Location: Head Office

To provide an innovative, responsive and effective value adding Information Systems Audit Services to the bank by assisting the Board and the Management in evaluating and recommending improvements in the effectiveness of enterprise risk Management, internal control systems and corporate governance.

Responsibilities

• Consistency in reviewing and giving viable recommendations on compliance requirements, optimal efficiency and cost containment with regard to information systems of the bank.
• Review of KB’s critical systems, recommendation and implementation of appropriate and adequate IT security controls to mitigate and minimize information security risks. Continuous review of controls in place to identify and close gaps and provide continuous assurance on the governance, security and robustness of the bank’s information systems
• Review robustness of the bank’s information system security and effectiveness of systems (policies, processes, procedures and tools) in escalating and investigating with IS security violations.
• Adequacy of personal competence to effectively maintain quality assurance for the bank’s information systems in a manner that consistently meets established standards or benchmarks.
• To review and assure Confidentiality, Integrity and Availability of all information resources in the bank.
• Carry out vulnerability assessments, internal and external penetration tests for all the IT systems.
• Facilitate Risk assessments for all IT resources with consistent follow up for issues closure to ensuring efficient and effective mitigation of all identified risks.
• Support the Head of Internal Audit in ensuring timely assurance on all ICT related matters to the bank’s stakeholders.
• Provide adequate assurance on the governance, controls, risk management, value for money, implementation, utilization, vendor management, revenue assurance, customer service/convenience, user support, change management, database management and data quality in all the bank’s digital channels.
• To support the internal audit department in comprehensive data analytics as a tool for effective assurance.
• Offer consulting/advisory reviews during project implementation.
• Act as the liaison person with external IS auditors/consultants during scheduled reviews

Qualifications

• University degree in Computer Science or IT
• CISA (Certified Information Systems Auditor) and or CIA (Certified Internal Auditor) qualifications will be an added advantage.
• Over 6 years working experience in a busy IT, Professional Audit firm or in General banking operations with 2 years as an IS auditor.

The purpose of the role is to manage the branch to achieve growth and profitability through sales and business development activities, best-in-class customer service to customers to maximize relationship building to achieve the bank strategy to “grow market share by building our reputation as an efficient, innovative and customer-centric enterprise bank in Meru.

Responsibilities

• Primarily responsible for achieving the branch performance targets in: funding growth/retention of assets and liabilities, transactional Banking, Insurance, Leasing, PAR, net interest income and profitability
• Primarily responsible for all loan applications approved at the branch level including timely completion and approval within quality parameters determined by KB lending policy
• Maintains a complete understanding of all KB products offered via the KB distribution channels, with knowledge sufficient to discuss product, attributes fully and confidently. Emphasis will be on engaging with clients to complete full financial analysis with the goal of widening clients’ relationships with KB.
• Training of all staff on products, services, policies, procedures, branch security, health and safety, and consumer protection
• Ensure the front-line team is engaging customers for upselling and cross-selling to ensure uptake and utilization of banks products and channels
• Endeavors to increase deposits by new and existing clients by identifying and evaluating client needs’ through observation, listening, and questioning techniques, and ensuring quality recommendations that will satisfy the client and influence their decision-making process towards KB and therefore meeting KB longer-term strategic goals
• Primary responsibility for the promotion of KB in the region to; existing and prospective clients, professionals, and businesses by way of; networking activities, call programs, marketing and promotional campaigns, sponsorship initiatives, community involvement, and sales and product seminars
• Contributes to market acceptance by liaising with the Marketing Department over developments in the marketplace on any new products/procedures

Strategic input and planning:

• Contributes to the completion of the KB Retail Operational plan by preparing and implementing a branch business plan that encompasses strategies for performance on regional growth objectives
• Prepares branch budgets for approval and contributes to the overall control of expenditure by monitoring costs and reporting on performance against budget variations
• Responsible for developing a branch training plan so that staff members are able to meet targets and/or exceed their individual performance targets
• Develops a plan for the promotion and maintenance the KB brand in the region in consultation with the Business Development Manager and Marketing department

Leadership & Management:

• With the assistance of Human Resources, is responsible for the induction of branch staff
• Contributes to the ability of staff to meet performance objectives by providing day-to-day supervision, training, and support and leading performance processes in accordance with KB policies and procedures
• Responsible for identifying and developing career path opportunities for staff within and outside the branch
• Contributes to the development of staff by assisting with the interpretation and implementation of operational policies and procedures
• Responsible for assigning tasks to staff, scheduling and monitoring work, and reviewing results for timeliness, accuracy, and quality.

Qualifications

• University Degree from a recognized university
• Diploma in banking is an added advantage
• 6years’ experience in banking with at least 2 years in operations and 2 years in sales and business development

To provide branch-based business banking, sales, and service facilities to business customers requiring financial products and service solutions

Responsibilities

• Will be responsible for growing and retaining customer base on Transaction Accounts, Current Accounts and Savings Accounts as well as growing and managing all Business loans portfolio and Digital Products and services.
• Minimize exposures to and impact of operational risks through application of policies and procedures.
• Generate target audience lists and sales call plans; implement and make call reports as well as customer visits.
• Responsible for identifying and reporting potential and actual Money Laundering Risk, including suspicious transactions in accordance with the laid down AML policies & procedures.
• Promoting and selling a range of appropriate Kingdom Bank product offerings and solutions that meet the financial needs of business customers.
• Cross-selling additional products & services to existing customers
• Mining existing customer data to identify expansion and/or additional business opportunities.
• Identifying opportunities to migrate top-end customers.
• Completion and submission of credit application information requirements together with supporting documents.
• Ensures that all new businesses are in line with AML/KYC and CTF laws and regulations and customer information is regularly updated.
• Ensure adherence of all bank’s prescribed processes, standard operating procedures, and central bank requirements.

Qualifications

• Bachelor’s degree in Commerce/Business related field.
• Have a minimum of 3 years working in the Banking Industry, with exposure in Micro and SME businesses.
• Experience in sales
• 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
• Communicates effectively and can explain complex Business issues

Responsibilities

• Formulate, design, and review product and platform strategies that competitively address identified and emergent market opportunities
• Engagement with customer-owners and market activators to achieve product/platform uptake and utilization targets
• Periodic review of existing products and platforms to enhance their offering in the market to ensure product continuously yields expected benefits
• Responsible for identifying and reporting potential and actual Money Laundering Risks, including suspicious transactions in accordance with the laid down AML policies & procedures

Main activities

• Full responsibility for assigned sector product lines and all sales and business development activities for the bank
• Develop business opportunities and monitor business’s activities in line with the Bank’s long-term strategic and annual business plans and ensure that the Bank remains competitive and promptly reacts to changing market conditions and customer needs
• Implement a focused relationship management system, which increases the Bank’s ability to increase the flow of business and generate deposits, lending, and revenues from existing and new customers in line with the enterprise strategy
• Put in place an MIS system that will enable continuous tracking of the sectors performance, Customer and Product profitability, and Customer satisfaction
• Enhance relationship marketing and management – to establish, maintain, and enhance relationships with customers and other partners, at a profit, so that the both the customer and bank objectives are met and achieved by a mutual exchange and fulfillment of the brand promise
• Practice strategic marketing by focusing on how to develop a competitive advantage into the changing marketplace and leveraging on the banks distinctive capabilities to drive value
• Enhance value creation by creating, communicating, delivering, and offering solutions that have value for customers, shareholders and partners
• Build the Kingdom Bank Brand to ensure that the bank is top of mind as an enterprise bank
• Develop innovative solutions that will be delivered through branches and electronic channels that respond to market needs or identified gaps in the market.
• Build a base of promoters by enhancing positive customer experience and advocacy to drive competitive advantage, leading to faster organic growth and lower cost
• Create a differentiated customer experience design, tailored to target customer needs and optimize customer interactions with the brand, offerings, and touchpoints to deliver consistently.
• Periodically review existing products based on customer feedback and market trends to ensure continuous product utilization.

Qualifications

• University Degree – Upper second or equivalent
• 5 years work experience in Sales, Business Development, Relationship Management, or Product Development in a financial services environment
• Experience in the implementation of electronic platforms and solutions
• Excellent understanding of the Bank’s Strategy and ability to interpret it, map it to the market now, and plan for the future.

The purpose of this role is to grow interest income, Fixed income transactions from the bank’s book and contribute to the growth of the bank’s balance sheet.

Responsibilities

• Assist in developing and maintaining trading blotters and reports.
• Keeping the unit’s business partners informed on the prevailing interest rates from time to time.
• Investing the bank’s surplus funds through Overnight deals, Repos, T/bills, and T/bonds.
• Funding the bank’s book during periods of cash crunch through interbank overnight transactions, Repos, T/bills and T/bonds transactions.
• Trading in government securities
• Effectively manage revaluation of the fixed income book
• To implement the Fixed income plan covering all treasury products and customer segments.
• Ensure compliance with internal and statutory requirements.
• To perform any other duty as assigned in line with the organization’s goals and objectives.

Qualifications

• University degree- Upper second-class Honors or 3.0 GPA.
• Relevant professional qualification – ACI dealing certification an added advantage.
• 2 years’ experience in Fixed Income Trading

The RO, Diaspora Banking will be a key driver for the development and execution of sales and marketing programs in line with the Diaspora Banking strategy

Responsibilities

• Managing Kingdom Bank Ltd’s existing MTS and supporting branches to grow the remittances business.
• Grow/partner with new MTS and work with relevant department/s to submit MTS application to CBK for the money remittance partnerships.
• Assist Diaspora banking business to meet the expected growth in customer numbers, deposits, earnings, facility utilization, and usage of all bank products and services.
• Take part in diaspora market drives and take full responsibility of customer relationship management
• Assist in managing diaspora customer inquiries/ queries /transactions in compliance with Kingdom Bank operational guidelines and procedures with zero tolerance for operational risk & fraud.
• Receive, verify, and certify against original; all account application documents and forms from diaspora customers.
• Check and verify the accuracy, and completeness of the documents against the checklist provided according to product lines; KYC/AML compliance requirements
• Ensure the department Operations standards /procedures are adhered to.
• Ensure Diaspora products/services are set up correctly in the system
• Ensure customer data is well maintained in the system e,g  email, and phone number, and in the proper format including country code on all accounts that have been opened.
• Receive customer instructions on managing their accounts, including standing orders, stop payments, fixed/call deposits, Visa cards, and internet banking. Mobile banking e.t.c 
• Ensuring quality and excellent service delivery to customers 
• Dormant Account management as per Bank’s policy and procedure guidelines. 
• Train and sensitize Bank staff on Money remittance services and Diaspora Banking
• Conduct market intelligence on Money remittance & Diaspora Banking
• Embrace a culture of teamwork, support for each other, and commitment to the branches and the Bank’s goals and aspirations 
• Any other duties that may be assigned to you

Qualifications

• Bachelor’s degree in Finance/Business related field.
• Have a minimum of 2 years working in the Banking Industry; with relevant experience in product knowledge and risk management.
• Sound knowledge of the Banking Act and the regulatory framework in the Financial Services Industry especially in the Diaspora Banking space.
• Able to identify and minimize potential and inherent risks in banking.
• Communicates effectively and is able to explain complex Business issues.
• Track record of excellent customer service experience and adherence to SLA’s to achieve results.
• Proficient in the use of Banking and office management systems.

The Marketing & Communications Officer will support all marketing, branding, public relations and communication activities of the Bank.

Key Responsibilities

• Execution of communication plans to ensure clear and compelling messaging to all stakeholders
• Implementation of the Bank’s social media and website strategy to ensure up-to-date and informative website & social media platforms

Main activities

• Coordinating the Bank’s events, public relations, communication, CSR, and corporate affairs to increase brand equity
• Manage all elements of Kingdom Bank’s digital and online presence, designing and driving the Bank’s social media strategy and tactics
• Development of all Kingdom Bank’s print communications, marketing collateral materials, and electronic communications including the website and new media
• Schedule and package internal communications, including design and content management for internal emails and circulars 
• Track the social media traffic flow and provide internal reports regularly
•  Optimize content for the website and social networking channels such as Facebook, Twitter, Instagram, YouTube, and LinkedIn
• Preparing weekly progress reports on online and offline marketing projects
• Development of compelling articles for newsletters, success stories, fact sheets, social media posts, and creative digital material such as website content, videos, visual images, press releases, flyers, etc.
• Curating communications materials to support the development of project events and workshops in collaboration with the Marketing and Communications Manager and the project teams.
• Maintain project library of all communications tools, photos, and events in a digital format.
• Perform any other duties as may be assigned from time to time

Qualifications

• Minimum 1 year experience in a marketing, public relations, or communications role in a financial institution, insurance institution or any other relevant field.
• Experience in digital marketing.
• Experience in copywriting.
• A Degree in Social Sciences or a related field.
• Relevant professional qualifications.

Responsible for the maintenance, growth, good management and enhancement of the business and relations existing between the bank and the agriculture cooperatives and other agribusiness customers.

Responsibilities

BUSINESS DEVELOPMENT (50%)

Business Development Management

• Carry out market intelligence and market research to identify needs of the sector development of responsive products.
• Seek opportunities and provide the sector monthly, quarterly, yearly development and performance report.
• Develop models that increase market access to the Bank.
• Develop suitable agribusiness products, programs, template, checklist and ensure they are operational.
• Seek feedback from RMs and Business Bankers on their unique market needs and develop products or programs that are suitable and customer centric.
• Develop, ensure approval and seek to popularize all agricultural products.
• Development of project proposals, business plans and M.O.Us.
• Regular review/appraisal of the Bank’s agribusiness products
• Seek to cross-sell Bank products.
• Work closely with Ministry of Industry, Trade and Co-operatives and MoA officers in order to maintain a competitive edge in the industry by being ahead of the competition in all Agribusiness ventures.
• Establish close contact and pursue opportunities with the various directories of AFA
• Assist in seeking funds from development partners and other key donors running agriculture programs.
• Spearhead business growth by supporting the HOD and a team of bankers on the sales force excellency model
• Significant contribution to the growth of cheap and stable deposit volumes
• Support the Department’s growth in Non-funded income while focusing on new opportunities for the same.
• Constant review of RMs account plans with a clear focus of ensuring that opportunities identified are converted into closed deals while also ensuring that NFIs are given priority.
• Work closely with relevant Government agencies and development partners in order to maintain a competitive edge in the industry by being ahead of the competition in all Agri Co-operatives and Agribusiness ventures
• Grow agricoops and agribusines accounts by bringing in new customers
• Growing quality credit deal pipeline and volumes
• Manage credit accounts to eliminate opportunities of the same becoming bad
• Broaden the consumption base of the Bank products by the agricoops/agribusiness- creating awareness of the existing products and sell the same to Co-operatives
• Carry out market research and intelligence relevant to the development of Co-operatives and other agribusiness business and satisfaction of the customers’ needs. Arising from the survey results, develop the necessary products and business strategies.
• Enhance contact with the customer to identify ant latent issues and immediately act on the same.
• Ensure collaboration and support to branches, product houses and other departments within the Bank.
• Assist in development and constant review of accounts plans with clear wallet sizes and customer profiles.
• Seek to acquire new customers in Agri-business
• Assist in preparation of seminars and workshops.
• Act as an efficient back-up as assigned.

Business Development –Donor partnerships

• Prepare project proposals to solicit for donor funding
• Member of the Steering committee of donor supported projects
• Implement donor supported projects
• Ensure that proper accounting records are maintained and required periodic returns prepared and submitted on time to the respective bodies.
• Maintain good working relations with donors and other development partners

 RELATIONSHIP MANAGEMENT (30%)

Client Management

• Develop and update comprehensive account plans for each of the clients under management –Ensure the 3Cs of account plans are fully entrenched as per SFE guidelines
• Develop and maintain regular structured customer contact through visits.
• Follow-up and ensure action on issues derived from customer visits
• Ensure prompt resolution to all other customer issues/complaints/queries raised
• Attend [and participate where necessary] customer Education Days and Annual General Meetings
• Advise customers on best business practices
• Planning, target setting and performance review of client relationships in order to optimize returns from each client
• Act as efficient back-up for assigned back – up relationships
• Collect and analyze vital data on clients i.e annual reports, interim reports, industry reports and press cuttings etc to acquire in-depth knowledge which will enable the PM act as an adviser to management on all aspects of assigned account relationships

Credit Appraisal Request

Achieve a credit appraisal turnaround time as per policy. The PM shall be required to carry-out a quality appraisal through:

• Establishing the customers character normally seen in the conduct of the account held in the Bank, third party opinions etc
• Confirming that the requested amount together with the customer’s contribution is adequate to finance the purpose for which the loan is required.
• Establishing the customer’s financial performance over at least the last four years – commenting on the relevant ratios and performance trend. Compare performance with the industry average.
• Visiting and inspecting the customer’s Premises and commenting on the adequacy and appropriateness of the Structures, Systems and Procedures in terms of servicing the requested facility.
• Confirming the customer’s repayment ability through reviewing the completeness of the budgeted cash flow statement and fairness of the underlying assumptions
• Forecasting on the environmental factors that have a bearing to the performance of the customer
• Inspecting the proposed security property and commenting on it’s adequacy and ease of sale if need be.

Qualifications

• Bachelor’s degree in Commerce/Business related field.
• Other requirements specific to the role:
• Certification in Agri financing, Credit management
• Experience working with cooperatives
• Communicates effectively and can explain complex Business issues
• 5 Years working experience preferably in banking