Jobs Kenya

Company Address: Address kenya

  • Manager, Compliance

    Manager, Compliance

    Job Purpose 
    To support Bank management in the identification and management of compliance risk as required by relevant regulatory, supervisory and statutory regulations/guidelines, applicable codes of conduct and minimum standards.
    Update of Compliance Policies and Documentation

    Updating the regulatory universe and ensuring the compliance risk management plans (CRMPS) for new laws, regulations and amendments of existing laws and regulations (including other regulatory guidance notes and circulars) are comprehensively completed within 90 days of becoming effective.
    To prepare the regulatory universe annually in the last quarter of the year and ensure sign off by business owners.
    Ensure in conjunction with executive management, CRMPS are adopted and customized for all relevant risk legislation and regulations on an annual basis.
    Ensure compliance policies and manual are reviewed and go through the requisite governance framework in a timely manner.
    Draft relevant procedures for the various Compliance Policies.
    Responsible for the implementation and adoption of all compliance, anti-money laundering, Anti Bribery and Corruption and sanctions related requirements contained in policies, procedures and processes. This includes the consideration and approval of PEP on-boarding and continued business engagement in instances where no adverse information is available.
    Raise awareness and provide training to bank staff on compliance policies and maintain registers of training attended.
    Ensure that the policies, procedures, and manuals posted on the Compliance website are upto date.                                                                                        

    Regulatory Requirements

    Scanning the environment for new regulatory requirements.
    Understanding and interpreting new regulatory requirements.
    Preparation of implementation action points for new regulatory requirements and advice the bank or specific business areas on the impact of regulatory developments.
    Ensure relevant regulatory returns and reports are submitted in a timely manner.
    Query and report any issues on non-compliance with policy and regulatory requirements as soon as this is noted.
    On a regular basis conduct limited monitoring of business compliance with the relevant laws and regulations especially those deems high risk for the Bank.
    Advice on compliance related legislation, regulations, circulars etc. affecting the bank.

    Advisory

    Respond to queries from business and the Centre in South Africa.
    Attending Business forums as required and called upon.
    Comprehensive review of high-risk clients and guiding the first line on enhanced due diligence requirements
    Training and building capacity within the 1st line on matters compliance.
    Ensure that on-boarding Checklist is always updated.
    Represent Compliance at relevant forums for new products, service and channels development and provide comprehensive compliance input.
    Conduct comprehensive compliance risk assessments for new products, channels, services, partnerships etc.
    Represent Compliance at Projects meetings Conduct in liaison with the product manager’s product risk assessment for any new products/technology.
    Attend functional meetings both local and regional monthly meetings.

    Feedback, Reporting and Escalation

    Prepare and provide input for compliance reports to relevant governance forums, ensure such are submitted timely.
    Perform ongoing monitoring and assessment of compliance risks within 1st line and ensure risks identified are adequately identified, reported and escalated and provide the 2nd oversight to see through the closure and remediation of identified risks/ gaps.
    Safeguard the reputational risk of the bank by ensuring that the business units adhere to policies, procedures, and guidelines.

    Qualifications
    Minimum Qualifications

    Relevant Undergraduate degree
    Minimum 5 years of experience in the AML/ CFT and Compliance in the banking industry.
    Comprehensive understanding of the regulatory and business environment of the banking industry.
    Understanding of business unit needs and ability to translate them into risk management solutions.
    On-going awareness of regulatory requirements related to banking

    Additional Information
    Behavioral Competencies:

    Adopting Practical Approaches
    Articulating Information
    Checking Details
    Exploring Possibilities
    Generating Ideas
    Interacting with People
    Interpreting Data
    Making Decisions
    Providing Insights
    Team Working
    Thinking Positively
    Upholding Standards

    Technical Competencies:

    Compliance
    Financial Industry Regulatory Framework
    Legal Compliance
    Promote Good Governance, Risk & Control
    Risk Management
    Strategic Planning and Reporting

    Apply via :

    www.standardbank.com

  • Africa Area – Customer Experience and Omnichannel Engagement Lead

    Africa Area – Customer Experience and Omnichannel Engagement Lead

    Summary

    The Africa Digital and Customer Experience Lead role is a newly created senior leadership position accountable to design, shape and transform the customer experience throughout Africa by incorporating integrated digital and personalized experiences that will develop Go to market approaches, drive business growth, uncover market level efficiencies and drive better customer and patient experiences.
    This newly created role will bridge strategies between GPS, Pharma International and Informatics at global and local levels to deliver a closed loop omnichannel engagement model. As an Architect & Catalyst, this leader will shape the Africa customer experience operating model and be a key decision maker in how personalized engagement, new marketing ways of working and closed loop feedback from customer facing roles help achieve our bold vision. In addition to relevant functional expertise, strong enterprise leadership, the ability to both articulate a vision and dive into the operational details to make the vision happen, transformative change management on a large scale, and experience working closely with various levels in Africa (and in various departments Marketing, Squad leaders, Affiliate Analytics & Insights, Medical, Finance, and Compliance) are required.
    You are responsible for designing the overarching Africa CX and Digital Customer Engagement Strategy aligned to the Global and iNET outcomes to ensure our customer experiences are as meaningful as our science. In this role, you will also be responsible for implementing the CX and Digital components of Africa’s new CX, Digital and Data, Analytics and Insights model designed to embed digital customer engagement and customer experience principles in daily activities with the orchestration of omni-channel engagement using targeted content, messaging, engagement models and services. As part of this role, you will be working with the Africa Network Enabling Team as well as a network team of subject matter experts within Africa and beyond.
    This role will report to the Africa Area Head, but also have a dotted line to the global DCE&I leader responsible for the omnichannel engagement.

    Challenges

    The overarching Africa CX and Digital Customer Engagement strategy aligned to the Global and iNET outcomes to ensure our customer experiences are as meaningful as our science
    Implementing the CX and Digital components of Africa’s new CX, Digital and Data, Analytics and Insights model including establishing/coaching the teams, providing the strategic direction/vision and coaching
    Integrating the newly designed model into other key functional areas in the business such as Marketing, Medical, Policy/Government Relations and IT
    Setting the desired CX and Digital outcomes and enabling a network of leaders and/or senior experts to achieve the intended goals
    Driving the implementation of the Africa CX and Digital Customer Engagement strategy by partnering with key stakeholders across the organization, both within the Africa region and Globally
    Cultivating and inspiring a customer-centric culture with a goal of improving an end-to-end customer experience through insights driven actions
    Building network enthusiasm around CX & digital customer engagement; Leading efforts to create, orchestrate, scale and evolve CX and digital customer engagement strategy in alignment with enterprise and local strategic imperatives
    Anticipate and stay on top of market evolutions and dynamics that may impact the CX and digital customer engagement environment
    Define key KPIs to assess the success of the new resource and operating model and track and report the progress in accordance with the defined KPIs to the LET

    Leadership Profile

    Experienced leader, who excels at bringing people together around a shared vision while also fully empowering & holding their team accountable
    A leader with deep understanding and appreciation of the operating model within markets as well as the global role in supporting affiliates
    Successful leader who has demonstrated ability to drive to strong execution with measurable results in competitive markets
    Demonstrates expertise in leading through the archetypes of visionary, architect, coach and catalyst (VACC) and role modeling of our One Roche Operating Principles
    Leads with courageous authenticity and fosters culture of belonging and inclusiveness
    Advances change in the organization, employs strategies to foster high levels of employee engagement and buy-in across the organization
    Inspires others to be the best they can be, creates an environment of high empowerment and accountability

    Who You Are

    You have a great desire to embark on a journey of Digital Customer Experience and Insights within the Healthcare Space
    You have demonstrated impact with Customer Experience and Insights either in the pharmaceutical/ biotechnology, life sciences or FMCG, GAFA and E-commerce sectors
    You have a Bachelor’s degree; MBA or other related graduate level degree preferred
    You are experienced in digital strategy creation including GMT digital marketing and digital customer engagement strategies
    You possess an expertise with digital consents, digital channels (email, web, social media, SEO, SEM, etc.), knowledge of data and analytics, and its use in digital customer engagement, regular user of consumer digital devices and apps; ideally, early adopter of new technologies; and ideally has worked and fluency with the core capabilities required to successfully drive digital transformation in a large organization
    You are experienced in CX design (Customer journey mapping from “as is” to “To be” scenarios), Human Factor Design, User Experience Design and Usability across more than one customer interaction channel
    You possess expertise with setting CX measurement frameworks and managing Customer Engagement strategies

    Skills & Competencies

    Team Leadership: You are able to create and lead a high performing team across the entire region – to include: hiring, coaching, development and leadership of the team (includes both network (and affiliate) digital & analytics teams (to include Epicx, Omni channel , data insights, customer journey)
    Strategic & Visionary Thinking: You are capable of setting the Digital and CX vision and mobilize cross-national teams through strong leadership skills. It is critical to understand external market changes and can anticipate evolving customer expectations to iterate on the CX and Digital Strategy as needed
    Networking and Influencing skills: You have the ability to work hand-in-hand with Senior Leaders and Business Stakeholders to integrate Digital and CX into the overarching TA Strategies and achieve our long-term customer experience outcomes
    Business acumen: You have good understanding of TA strategic objectives and aligning the CX and Digital Strategy accordingly

    Apply via :

    careers.roche.com

  • Analyst Investment

    Analyst Investment

    Job Purpose:

    To undertake both financial & non-financial research and report on prospective investment and existing issuers and counter parties by studying how an investment is likely to perform and how sustainable it is.
    Responsible for sourcing and dealing of all investment transactions.
    To participate in the organization’s sound portfolio-management strategy by providing the necessary data for decision-making process and client fulfillment.

    Outputs:
    Client/Portfolio management

    Conducting due diligence on existing and potential investee companies, issuers and counterparties by researching relevant data.
    Analyst to support lead-manager in the portfolio management of assigned clients.
    Analyst to support the PM in ensuring the decisions of the Investment Committee are implemented into portfolios.

    Risk, Regulatory, Prudential and Compliance

    Manage client portfolios actively and must be aligned to the SBG Securities model house view portfolio. Where there are exceptions, these must be saved on file with a clear instruction from the client.
    Complete the compliance mandate monitoring exercise of client portfolios under your management, and account where there are deviations from mandate and model portfolio.
    Comply with legislation and Group regulation, where you will be required to monitor activity across client portfolios, from an AML / FIC perspective. You will be accountable to report/escalate breaches through the various internal governing structures within SBG Securities and the Group
    Assume responsibility for all trading and activities across your client portfolios, reporting into the applicable governing structures within SBG Securities

    Financial Management

    Supports the portfolio managers for new client acquisition and organic client revenue growth – targets set at the beginning of the financial year.
    Assists provide thought-leadership, innovation and strategic ability for better ways of working, and servicing various distribution channels within the Group, with strong multi-disciplinary expertise.
    Interacts effectively with senior management internally and externally and able to facilitate growth of our business.

    Relationship Management

    Client portfolio performance (ROI) and reporting
    Client service, maintenance, and retention
    Presenting and reporting back to existing clients – responsible for the quality and integrity thereof
    Writing of investment proposals and pitching for new business to potential clients as well as external business introducers to grow AUM and generate increased Group’s revenue.
    Writing of investment performance calculations and various other adhoc projects related to asset management.
    Aggressively drive revenue growth and new business generation through internal distribution channels (i.e. Client Solutions and CHNW), and through own networks.
    Building relationships and working closely with the CHNW relationship managers and Client Solutions Investment Team.

    Research & Insights

    Participate actively in decision making and shaping the house view for key investment positions.
    Conduct targeted investigations and analysis where required to improve investment decision making.
    Develop client and product insight, including working with distribution counterparts on the execution of recommendations and demonstration of business impact.
    Provide specialist input through the investigation of opportunities and assessment of risks relating to our investment portfolio.
    The Analyst is required to understand key financial and economic variables and trends (global investment environment, such as exchange rates, economic growth rates, inflation, political risk etc) to ensure optimal investment decisions to suit client portfolio requirements. All investment decisions are discretionary.
    Participate and contribute to Investment Committee debate and discussions both domestically and internationally.
    Provide input and participate in detailed sector and company research and analysis to enable investment decisions for client portfolios, both domestic and global
    Have knowledge and understanding of the offshore assets.

    Qualifications
    Minimum Qualifications

    Type of Qualification: Post Graduate Degree
    Field of Study: Finance and Accounting

    Experience Required
    Investment Management

    Asset Management
    3-4 years
    The role requires at least 3-4 years of investment analytical experience obtained at a respected financial institution. Industry experience is preferred.
    Experience with an investment analysis team.

    Additional Information
    Behavioral Competencies:

    Adopting Practical Approaches
    Articulating Information
    Challenging Ideas
    Checking Details
    Conveying Self-Confidence
    Developing Expertise
    Embracing Change
    Examining Information
    Generating Ideas
    Inviting Feedback
    Meeting Timescales
    Taking Action

    Technical Competencies:

    Economic Analysis
    International Market Knowledge
    Performance Benchmarking
    Product Development
    Quantitative Analysis
    Research

    Apply via :

    www.standardbank.com

  • Customer Solutions Specialist

    Customer Solutions Specialist

    In the customer solution group (CSG) you will be responsible for the following tasks and topics:

    You build solution construct and develop the approach for entire Digital Twin – Integrated Asset Performance Management (IAPM) offering for energy and industrial infrastructure.
    You are responsible for planning assessment of assets at site, on-site technical discussions, holding conversation with different stakeholder & technical content creation for the proposal build.
    You create high-level solution map, statement of work, scoping, assumptions, deliverables, and risks that can be translated into a Digital Twin – IAPM solution offering, beginning with on-site data collection and ending with the generation of actionable insights.
    You enable the sales team with your expert insights during opportunity assessment and capture application or domain-specific requirements, possible solution deployment approaches & create the definition for customer success.
    Utilize your domain and technical expertise to understand client business objectives and translate them to Digital Twin – IAPM product features and capabilities & provide transfer learning to the Solution Ecosystem (SE) group.
    You will define and provide consistent feedback on bringing in the technology and product upgrades to the SE group.
    Participate in various technical forums (Internal and External), de-mystifying the capabilities of Digital Twin – IAPM which could potentially help us in positioning Bosch as a strong & reliable engineering partner.

    Qualifications
    Qualifications:
    Education:

    You have a successfully completed degree in Mathematics, Electronics or Mechanical fields.

    Experience and Knowledge:

    You have at least 10 years of professional experience in various roles related to research, development, industrial processes & automation and managing high performance teams.
    You have a concrete understanding of Industrial IoT construct with Hands-on exposure to software packages like OPC-UA, Ansys, OSISoft PI Historian, Asset optimization packages, SAP PdMS (PAI) and other Digital Asset Performance. Practical knowledge on working with analog signals, DAQ, enterprise asset management packages & engineering drawings is highly desired.

    Personal Characteristics and Skills:

    Enthusiasm: You have a pioneering spirit and enjoy working in an interdisciplinary team with a high degree of personal responsibility and creative freedom.
    Personality: You have a high sense of responsibility, are reliable and a team player. You have an entrepreneurial mindset with a hands-on mentality.
    Work practice: You have an analytical mindset combined with a pragmatic, results-oriented approach.
    Language: You have very good English skills, written and spoken

    Apply via :

    jobs.smartrecruiters.com

  • Regional Manager East Africa

    Regional Manager East Africa

    You as the successful candidate will develop & implement regional business plans in relevant countries of responsibility. You will support the growth of all product lines, while understanding and addressing customer or market needs, within assigned budgets in line with Global and local marketing strategies while adhering strictly to the Roche code of conduct.

    Key Challenges
    Regional Management

    Responsible for accurate forecasting of targets
    Serve as an interface with local governments, funders and international organizations within assigned territory and monitor and evaluate country specific environmental issues with regard to healthcare and legislation and provide feedback to Market Access team for government lobbying activities
    Develop and maintain strong Client and KOL relationships through regular presence to determine and influence the Export Distributor’s business requirements and growth strategies as well as ascertain market trends, risks & competitor insights
    Lead, drive and project manage customer experience activities within existing clients with relevant internal stakeholders (product manager, business development, application specialists, commercial (finance) management for exports, technical services, etc.)

    Distributor / Business Partner Management

    Identify in conjunction with Distributors / Business Partners and/or marketing agents, agreed continuous improvement strategies to increase the efficiency/productivity and profitability of sales activities and achievement of KPIs
    Implement a performance management process to track performance of Distributors / Business Partners and drive accountability
    Ensure accurate and updated market information is shared between internal stakeholders and Business Partners
    Ensure that Distributors / Business Partners have sufficient capacity to support local markets.
    Plan and facilitate training and development of local business partner’s sales agents
    Work with business partners to protect the base business in the territory and develop an opportunity pipeline for future growth and sustainability
    Training business partners sales staff on Roche selling skills
    Manage Sales force Effectiveness through salesforce/REXIS for Business Partner sales team

    Business Development

    Project manage solutions for identified new sales opportunities within new possible clients or new products or channel filling opportunities within existing clients with relevant internal stakeholders (product manager, business development, application specialists, commercial (finance) management for exports, technical services, etc.)
    Develop a growth strategy focused both on financial gain and customer satisfaction
    Identifying and mapping business strengths and customer needs
    Conduct research to identify new markets and customer needs to expand client base and viable income streams
    Having an in-depth knowledge of business products and value proposition
    Addressing or predicting clients’ objectives
    Keep records of sales, revenue, invoices etc
    Provide trustworthy feedback and after-sales support
    Build long-term relationships with new and existing customers
    Reporting on successes and areas needing improvements

    Project Management

    Identify key projects in the region for the business
    Mobilize and engage internal & external stakeholders
    Assemble and lead project teams
    Lead large and diverse teams
    Manage relationships with stakeholders
    Develop and manage budgets for each project
    Reporting, documentation and closure of projects after successful completion

    You, as an ideal candidate, will have the following skills, experience and education:

    Required Qualification: Bachelor Degree in Science. Business Management qualification an advantage
    Required Experience: At least 5-8 years commercial experience in the medical industry with at least 3-5 years account management experience
    Other Requirements: Ability to travel nationally and internationally

    Apply via :

    careers.roche.com

  • Manager, Products, Business & Commercial Banking

    Manager, Products, Business & Commercial Banking

    Job Purpose:
    To build a profitable lending, deposits & transactional products book that offers the best solution in the market BCB customers. Enhancing existing products aligned to client needs and developing disruptive and strategic alternative revenue generating products while delivering ROE above budget Year on Year. The job holder will be tasked with partnering with the Head, Business Solutioning, Africa Regions to derive and drive the BCB Lending, deposits & transactional products strategy for Kenya. The role will also entail optimising the BCB balance sheets and will be responsible for setting product and customer pricing, managing risk/reward trade-off, concession management and price optimization.
    Outputs:
    Lending products & revenue assurance responsibilities
    Lending and liabilities planning & revenue assurance (strategic and operational)

    Develops compelling Customer Value Propositions (CVPs) for Enterprise and Commercial Banking customer segments in collaboration with segment heads
    Develops product plan and requirements for strategic lending and liability Products in liaison with Innovations and Beyond Teams for:

    Features and Functionality
    Match features and functionality with the Competition & the Segment CVPs and address any gaps.
    Distribution, Servicing & Marketing strategy
    Risk Appetite
    Regulatory Compliance

    Set product and customer pricing and product profitability drivers (fee, interest (assets & liabilities)) for the strategic products.
    Monitor product performance identifying areas of opportunities and seeks feedback to facilitate improvements in all aspects of the product.
    Improve efficiencies by driving process rationalization to improve service delivery and TAT, digitization and ownership of product governance through NACs and CRMC.

    Optimize Client pricing.
    Working with the Senior Manager, Revenue assurance in;

    Setting lending products pricing using ROE models to optimize client and product profitability.
    Price Implementation: Get the pricing approved through the Pricing Committee
    Ensures pricing is correctly implemented on the system/IT platforms.
    Price Monitoring: Monitor interest rates & fees offered to clients against the approved pricing and movements in interest rates benchmarks.
    Review concession management process
    Responsible for tracking client ancillary income and banking covenants/commitments and adherence of approved term sheet conditions
    Monitor portfolio yields, cost of funds and margins on the margins report on a monthly basis
    Identifying and sealing of any revenue leakage in products.

    Transactional Products and Liabilities (TPL) responsibilities
    Business Growth

    Drives TPL product alignment with CVPs and the business operating model by deriving activities from the CVPs and sharing with the various customer service teams for execution
    Conducts market assessments and prepares proposals (based on guidelines obtained in the products and pricing manual) for new TPL products and services – obtains approval and implements new TPL products/services.
    Prepares proposals to amend pricing and presents proposals to the Country Product Pricing Committee for approval. Oversees the correct implementation of pricing decisions in the branch network through reference to marketing brochures, engaging operations shared services, conducting system tests, staff training and conducting post implementation assessments.
    Trains all sales staff on new products approved by the New & Amended Client Solutions (NACs)
    Works with marketing and communications team on campaign and go-to market strategies for all TPL products to create awareness in the market.
    Conducts product insights and analysis by segment per product i.e., current accounts, savings, Fixed Deposits, Call accounts to understand the trends that impact our balance sheet.
    Identifies strengths and weaknesses of the business pricing by keeping abreast of market developments and the competitor landscape.
    Establishes TPL product strategies (for final ratification by Head, Business Solutioning) appropriate risk appetites, pricing strategies, and portfolio optimisation initiatives within the laid down BCB product strategy.
    Supports the growth intentions of BCB through the development and implementation of new products / features / options and service / experience enhancements – with approval from NACS
    Conducts market research (local and international) to inform product / solutions approach, viability and finalize the product design.
    Understands and manages key product drivers that influence revenue streams and risk exposure on specific product portfolios.
    Identifies revenue optimisation initiatives, obtains required signoffs, and coordinates implementation. This can be done through customer insights collected by the team, engagements with segment heads and understanding of current processes and procedures and proposing improvements where necessary.

    Profitability management

    Tracks product performance and profitability (financial performance) using financial reports and product performance reports on Power BI, proposes and implements decisions on which products to focus on or revamp
    Contributes to product budgeting for both Net Interest Margins and Net Interest Revenues by working closely with the Finance Business Partner, Head Business Solutioning and Segment Heads.
    Complies with the governance of product pricing by participating in the pricing committee discussions and adhering to the pricing manual.
    Manages product costs through process rationalisation and building efficiencies through digitization
    Develops accurate forecasts and outlooks on pricing based on the macro-economic trends, performance of the market, customer feedback, etc.
    Curbs income leakages by reviewing the transactions volume report on Power BI, analysing it to check for leakages.
    Works closely with support functions such as Credit and payment teams to ensure appropriate policies and limits are in place as well as determining the correct pricing.
    Develops effective acquisition and retention tactics to achieve profitability targets and share with the sales teams on a regular basis.
    Analyses market dynamics, pricing trends, market opportunities, operating and sales margins to develop reports, procedures and tools for pricing and price discounting.
    Assesses the impact of pricing changes on the bottom-line as well as on customers and shares report with Head, Business Solutioning on a quarterly basis
    Establishes metrics for evaluating the performance of the pricing strategy and implements for use by the liabilities and products team.
    Validates that the metrics used are aligned with the pricing strategy and goals of BCB Product.
    Continuously monitors price exceptions to determine whether process or policy adjustments are needed.
    Monitors the financial results and performance of price strategies within the business segments to validate and recommend appropriate pricing strategies for each segment.

    Customer Service

    Develops and understands core customer insights through customer visits with Relationship Managers and customer forums organised by the bank.
    Develops sales / cross-sell tactics aligned to overall customer offerings which are indicated in the customer value propositions per segment.
    Collaborates with BCB Digital Channels to drive digital agendas for all products to improve on the customer experience.
    Manages dormancy and attrition trends on liabilities and deriving initiatives to curb the same.
    Ensures the products are effectively positioned in market, and that the right awareness is created and effectively positioned with the target market.
    Drives quality service for new and existing clients with an aim to retain and expand the client base by communicating activity plans to service and sales teams that are derived from the CVPs.
    When required, present to customer-facing staff the rationale for price changes and the introduction of new fees and services.
    Ensures correct implementation of pricing for all customers, including Franchising and Public Sector entities, as well as key Mid-Corporate customers.
    Interprets customer, competitor and market segment insights and analytics in order to derive an understanding of customer needs / wants /behaviors to identify opportunities for development of new products.

    Segment and Branch network support

    Drives the direct sales process to ensure sufficient leads are provided to the outbound call centres and sales teams in BCB.
    Assists with sales and marketing plans by enhancing and managing the implementation of new opportunities to increase acquisition and retention.
    Determines and develops product awareness and training (and supplies this as input to Learning and Development) detailing the target market for the products / solutions. Ensures that Channel, Credit and the Specialised Sales teams are adequately trained on the offerings in order to drive the take-up ratio and minimise attrition rate.
    Engages, builds and manages relationships with key internal and external stakeholders that may influence outcomes on the portfolio. Examples of such internal stakeholders are:  BCB; Segment Heads, Regional managers in customer channels, Credit.
    Together with the sales team, sets annual targets on the portfolio and aligns all marketing / stakeholder initiatives that are implemented to support such targets.

    Improve Efficiencies

    Resolves all escalated customer and branch queries timeously.
    Assists with the resolution of operational issues and functionality problems on the different products.
    Identifies and resolves issues around pricing and margin management.
    Evaluates and summarises monthly financial reports highlighting areas of positive performance and focuses on areas of concern or weakness in order to recommend remedial action.
    Prepares and presents New and Amended Client Solutions (NACS) papers and Credit Risk Management Committee (CRMC) papers to ensure that the correct level of governance and approval is attained through the development phase of any new products and parameter reviews for existing products
    Managing credit risk within accepted “risk appetite thresholds” of the portfolio.
    Accountable for all compliance requirements in the portfolio, as well as the management of key risk indicators used to contain/mitigate operation risks and business continuity management plans.
    Identifies inherent risks of the portfolio and make recommendations in risk mitigation and / or exit strategies for high-risk pockets.
    Identifies business challenges and drive process efficiencies to improve service delivery and TAT.

    Qualifications

    Bachelor’s degree in business administration, economics or marketing from a recognized university.
    Advanced Excel; ACCA/CPA; and a qualification in Business Intelligence and data visualization tools experience will be an advantage
    5-7 years Extensive knowledge and expertise in financial modelling within the financial services industry. Sound experience and knowledge in Credit and Compliance matters. Extensive knowledge and expertise in financial solutions, payments & collection within the financial services industry.
    5-7 years Experience in product development and customer-focused design and the delivery of products/solutions. Experience in process re-engineering and change management. Proven track record of management of financial objectives, both value creation and cost reduction. Proven track record in business analytics and the use of data science in understanding product and customer economics.

    Apply via :

    www.standardbank.com

  • Officer, Production Operations Manager, Internal Audit

    Officer, Production Operations Manager, Internal Audit

    Job purpose
    The officer, Production is responsible for providing operations support services, including but not limited to; client payment instructions processing, processing of settlement transactions, record/documentation maintenance, storage and retrieval of records, account maintenance, imaging and opening of accounts in coordination with the Manager, Operations- Core Services. The officer will be accountable for processing of transactions of a financial and non-financial in nature. The overall objective of the role is to provide day to day operations support in alignment with bank policies and procedures.
    Key Responsibilities

    Receive instructions from internal and external clients for processing financial and non-financial transactions via the authorised bank channels
    Sorting of Customer instructions by order of priority and categorization by units for execution
    Verify and validate customer instructions against documentation on file to ensure accuracy and authenticity
    Indicate or advise on any special handling instructions as dictated by the client; print and forward information as appropriate for processing.
    Keep informed on all changes to products and services, rules and regulations to ensure accurate processing of instructions and perform accurate quality checks

    Processing of customer Instructions

    Capture transactions in the system as per the documented procedures
    Escalate non-conforming instructions to the Team Leader or Line Manager for further guidance or action
    Remit and/or settle funds in the system as per client requests
    Strive to meet high customer service levels by processing incoming requests efficiently and in accordance with procedures and policies to meet Service Level Agreements
    Prioritize and organize work based on risk/severity and processing requirements to ensure deadlines are met according to policies and procedures and service level agreements

    Reconciliation and safe keeping of customer/processed transactions

    Validate and confirm that all transactions allocated have been processed and authorised by end of day.
    Ensuring all entries in suspense accounts are accounted for and/or processed as per the agreed turnaround time and any variances explained and escalated to the team leader or line manager
    Compile and file records of transactions processed and other activities.
    Maintain and update filing of customer or other internal instructions in line with bank document management procedure and policies.

    Responding to customer queries

    Prompt response to customer queries as per documented procedures and policies
    Providing information that the customer may require in consultation with the line manager and as per the bank policies and procedures
    Escalate any queries that are outstanding beyond SLA to the team leader or line manager for further guidance or action.

    Complying with Bank Policies and Standards

    Ensure that service standards provided for in the Banking Sector Charter are adhered to.
    Ensure implementation and adoption within assigned portfolio of all Compliance, Anti-Money Laundering and Sanctions related requirements contained in policies, procedures and processes. This includes monitoring and identifying any material compliance related breaches and escalating them to line management and the Compliance Office.
    Ensure compliance with the agreed levels of authority for own area and with all applicable laws, regulations, group policies and procedures to minimise on operational losses.
    Look out for risk implications arising from the day to day work and if need be, refer to the relevant team.
    Support implementation and compliance to Audit, Risk and Compliance recommendations
    Operate within budget with regards to taxi usage, stationary, telephone and overtime costs

    Compliance with Quality Management System – ISO 9001:2015

    Ensure that the quality management system conforms to the requirements of the International and local Standards.
    Ensure that processes are delivering their intended output by monitoring at every stage in the value chain.
    Report on the performance of the quality management system and on opportunities for improvement.
    Ensure the promotion of exceptional client experience throughout the organisation.

    Qualifications
    Minimum Qualifications

    Type of Qualification: First Degree
    Field of Study: Business Commerce

    Experience Required
    Service Management

    Operations
    1-2 years
    Ideally previous experience within a banking operation position however it is not essential.

    Additional Information
    Behavioral Competencies:

    Challenging Ideas
    Embracing Change
    Examining Information
    Following Procedures
    Interacting with People
    Making Decisions
    Managing Tasks
    Meeting Timescales
    Showing Composure
    Team Working
    Thinking Positively
    Upholding Standards

    Technical Competencies:

    Business Intelligence
    Client Relationship Management
    Continuous Improvement
    Creative Problem Solving
    Operations Commercial Acumen
    Operations Risk Management

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    Use the link(s) below to apply on company website.  

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  • Team Leader, Asset Management Operations

    Team Leader, Asset Management Operations

    Job Purpose 
    The role holder is responsible for all the operational aspects of the Asset Management business in relation to the management of all clients’ accounts and update of the asset management core operating system and ensures compliance with the department’s standard operating procedures for all transaction processing and execution. S/he holds the primary responsibility for ensuring transactions are settled and completed and that all documentations are in place and properly stored.
    Key Delivarables 
    Client Servicing  

    Act as the primary interface between the investment department and all internal and external counterparties (Internally; Fund Accounts, Benefit Payments and Contributions Processing departments, and externally, all transaction counterparties and custodians)
    The Investment Operations Officer ensures compliance with the department’s standard operating procedures for all transaction processing and execution
    S(He) has primary responsibility for ensuring transactions are settled and completed and that all documentations are in place and properly stored
    In addition, the Investment Operations Officer is responsible for day-to-day administrative duties of the department e.g. maintaining and updating credit rating register, corporate actions register, Service Level Agreements with counterparties, portfolio exposure limits, counterparty exposure limits etc
    SLA monitoring and corrective/improvement actions tracking
    Confirm all previous day’s transactions and other expected inflows across all funds; advice portfolio management team as appropriate
    Maintain investment team archives; ensure all transaction justifications, instructions and confirmations are prepared and received when due and are filed correctly and easily retrievable
    Follow up outstanding issues and handle customer’s enquiries in a timely and professional manner

    Risk Management

    Proactive identification and mitigation of risks and issues relating to the operational aspects of the Asset Management business
    Track and report on actions identified
    Required follow laid-down regulations, policies and procedures as well as operate within system parameters and internal controls at all times

    People  

    Develops and maintains an open communication channel with the team and supports staff to foster greater co-operation and teamwork
    Ensures alignment to the P&C standards with regards to all employee-related matters for own team
    Embraces all areas of the Bank’s Equality and Diversity agenda
    Determines and guides performance in consultation with P&C Business Partner, and in alignment with SBG guidelines

    Governance Risk, Regulatory, Prudential and Compliance

    Maintain awareness of current and future legislative regulations to ensure timeous and appropriate product compliance
    Maintain awareness of the Group’s policies and procedures to ensure operational product compliance

    Business Efficiency

    Assists with the resolution of operational issues for the Asset Management business
    Identifies business challenges and drive process efficiencies to improve service delivery and TAT in line with set Service Level Agreements

    Qualifications
    Minimum Qualifications

    Type of Qualification: First Degree
    Field of Study: Business Commerce

    Experience Required
    Settlements
    Operations
    3-4 years experience in a busy operations processing environment with specific experience in processing of investments related client transactions
    Additional Information
    Behavioral Competencies:

    Articulating Information
    Checking Details
    Documenting Facts
    Embracing Change
    Following Procedures
    Generating Ideas
    Interacting with People
    Interpreting Data
    Managing Tasks
    Meeting Timescales
    Producing Output
    Upholding Standards

    Technical Competencies:

    Data Analysis
    Data Management (Administration)
    Deal or Trade Life Cycles
    Exception Handling
    Local Market Knowledge
    Product and Services Knowledge

    Apply via :

    www.standardbank.com

  • Manager, Products BCC

    Manager, Products BCC

    Job Purpose:
    To build a profitable lending, deposits & transactional products book that offers the best solution in the market to both BCC consumers. Enhancing existing products aligned to client needs and partnering with the Innovation Team to develop disruptive and strategic alternative revenue generating products while delivering ROE above budget Year on Year. The job holder will be tasked with partnering with the Head, Everyday Banking, Cash & Lending, Africa Regions to derive and drive the BCC Lending, deposits & transactional products strategy for Kenya. The role will also entail optimizing the BCC balance sheets, and will be responsible for setting product and customer pricing, managing risk/reward trade-off, concession management and price optimization.
    Outputs:
    Lending and liabilities planning & revenue assurance (strategic and operational)

    Develops product plan and requirements for strategic lending and liability Products in liaison with Innovations and Beyond Teams for:

    Features and Functionality
    Match features and functionality with the Competition & the Segment CVPs and address any gaps.
    Distribution, Servicing & Marketing strategy
    Risk Appetite
    Regulatory Compliance

    Set product and customer pricing and product profitability drivers (fee, interest (assets & liabilities)) for the strategic products.
    Monitor product performance identifying areas of opportunities and seeks feedback to facilitate improvements in all aspects of the product.
    Improve efficiencies by driving process rationalization to improve service delivery and TAT, digitization and ownership of product governance through NACs and CRMC.

    Optimize pricing
    Working with the Senior Manager, Revenue assurance in;

    Setting the pricing of the lending products using the ROE models to optimize client and product profitability
    Price Implementation: Get the pricing approved through the Pricing Committee
    Ensures pricing is correctly implemented on the system/IT platforms.
    Price Monitoring: Monitor the interest rates & fees offered to clients against the approved pricing.
    Review concession management process
    Responsible for tracking client covenants and adherence of the terms
    Review portfolio yields & margin report on a monthly basis
    Identifying and curbing any revenue leakage in the products

    Transactional Products and Liabilities (TPL) responsibilities

    Drives TPL product alignment with customer value propositions (CVP’s) and the business operating model by deriving activities from the CVPs and sharing these with the various customer service teams for execution.
    Conducts market assessments and prepares proposals (based on guidelines obtained in the products and pricing manual) for new TPL products and services – obtains approval and then implements new TPL products/services.
    Prepares proposals to amend pricing and presents proposals to the Country Product Pricing Committee for approval. Oversees the correct implementation of pricing decisions in the branch network through reference to marketing brochures, engaging operations shared services, conducting system tests and staff training and conducting post implementation assessments.
    Trains all sales staff on new products approved by the new product committee.
    Works with marketing and communications team on campaign and go-to market strategies for all TPL products to create awareness in the market.
    Conducts product insights and analysis by segment per product i.e. current accounts, savings, Fixed Deposits, Call accounts to understand the trends that impact our balance sheet.
    Identifies strengths and weaknesses of the business pricing by keeping abreast of market developments and the competitor landscape.
    Establishes TPL product strategies (for final ratification by Head, Banking) appropriate risk appetites, pricing strategies, and portfolio optimisation initiatives within the laid down BCC product strategy.
    Supports the growth intentions of BCC through the development and implementation of new products / features / options and service / experience enhancements – with approval from New Products Proposal Committee.
    Conducts market research (local and international) to inform product / solutions decisions in order to do a business viability study and finalize the product design.
    Understands and manages key product drivers that influence revenue streams and risk exposure on specific product portfolios.
    Identifies revenue optimisation initiatives, obtains required sign-offs and coordinates implementation. This can be done through customer insights collected by the team, engagements with segment heads and understanding of current processes and procedures and proposing improvements where necessary

    Measures:

    BCC liabilities balance sheet growth and target achievement.
    Growth in customer numbers in line with the annual budget.
    Market share growth in our chosen market segments as per agreed target.
    Competitive product pricing.
    Growth in transaction volumes.

    Profitability Management

    Tracks product performance and profitability (financial performance) using financial reports and product performance reports on Power BI, proposes and implements decisions on which products to focus on or revamp.
    Contributes to product budgeting for both Net Interest Margins and Net Interest Revenues by working closely with the Finance manager, Head Banking and Segment Heads.
    Complies with the governance of product pricing by participating in the pricing committee discussions and adhering to the pricing manual.
    Manages product costs through process rationalization and building efficiencies through cheaper digital channels.
    Develops accurate forecasts and outlooks on pricing based on the macro-economic trends, performance of the market, customer feedback, etc.
    Curbs income leakages by reviewing the transactions volume report on Power BI, analyzing it to check for leakages.
    Works closely with support functions such as Credit and payment teams to ensure appropriate policies and limits are in place as well as determining the correct pricing.
    Develops effective acquisition and retention tactics to achieve profitability targets and share with the sales teams on a regular basis.
    Analyses market dynamics, pricing trends, market opportunities, operating and sales margins in order to develop reports, procedures and tools for pricing and price discounting.
    Assesses the impact of pricing changes on the bottom-line as well as on customers and shares report with Head, Banking on a quarterly basis
    Establishes metrics for evaluating the performance of the pricing strategy and implements for use by the liabilities and products team.
    Validates that the metrics used are aligned with the pricing strategy and goals of BCC Product.
    Continuously monitors price exceptions to determine whether process or policy adjustments are needed.
    Monitors the financial results and performance of price strategies within the business segments in order to validate and recommend appropriate pricing strategies for each segment.

    Measures:

    Product revenues above budget as agreed (net interest income and non-interest income).
    Lower product cost against revenues from products.
    Accurate monthly product profitability reports supplied to BCC MANCO.
    Achievement of economic profit, income statement and balance sheet objectives for the specific product.

    Customer Service

    Develops and understands core customer insights through customer visits with Relationship Managers and customer forums organised by the bank.
    Develops sales / cross-sell tactics aligned to overall customer offerings which are indicated in the customer value propositions per segment.
    Collaborates with Digital Channels to drive digital agenda for all products to improve on the customer experience.
    Manages dormancy and attrition trends on liabilities and deriving initiatives to curb the same.
    Ensures the products are effectively positioned in market, and that the right awareness is created and effectively positioned with the target market.
    Drives quality service for new and existing clients with an aim to retain and expand the client base by communicating activity plans to service and sales teams that are derived from the CVPs.
    When required, present to customer-facing staff the rationale for price changes and the introduction of new fees and services.
    Ensures correct implementation of pricing for all customers, including Franchising and Public Sector entities, as well as key Mid-Corporate customers.

    Interprets customer, competitor and market segment insights and analytics in order to derive an understanding of customer needs / wants /behaviors to identify opportunities for development of new products
    Measures:

    Positive NPS scores as per target.
    Market share growth across the chosen segments on balance sheet.
    Growth in customer numbers.

    Segment and Branch network support

    Drives the direct sales process to ensure sufficient leads are provided to the outbound call centres and sales teams in BCC.
    Assists with sales and marketing plans by enhancing and managing the implementation of new opportunities to increase acquisition and retention.
    Determines and develops product awareness and training (and supplies this as input to Learning and Development) detailing the target market for the products / solutions. Ensures that Channel, Credit and the Specialised Sales teams are adequately trained on the offerings in order to drive the take-up ratio and minimise attrition rate.
    Engages, builds and manages relationships with key internal and external stakeholders that may influence outcomes on the portfolio. Examples of such internal stakeholders are:  BCC; Segment Heads, Regional managers in customer channels, Credit.
    Together with the sales team, sets annual targets on the portfolio and aligns all marketing / stakeholder initiatives that are implemented to support such targets.

    Measures

    Balance sheet growth and achievement of budget
    Growth in product profitability
    Product knowledge for all sellers
    Positive feedback from customers

    Improve efficiency

    Resolves all escalated customer and branch queries timeously.
    Assists with the resolution of operational issues and functionality problems on the different products.
    Identifies and resolves issues around pricing and margin management.
    Evaluates and summarises monthly financial reports highlighting areas of positive performance and focuses on areas of concern or weakness in order to recommend remedial action.
    Prepares and presents New and Amended Client Solutions (NACS) papers and Credit Risk Management Committee papers to ensure that the correct level of governance and approval is attained through the development phase of any new products
    Managing credit risk within accepted “risk appetite thresholds” of the portfolio.
    Accountable for all compliance requirements in the portfolio, as well as the management of key risk indicators used to contain/mitigate operation risks and business continuity management plans.
    Identifies inherent risks of the portfolio and make recommendations in risk mitigation and / or exit strategies for high-risk pockets.
    Identifies business challenges and drive process efficiencies to improve service delivery and TAT.

    Measures:

    Efficient End to end processing across all channels
    Superior Customer service delivery
    Satisfactory audits
    Risk managed below the agreed threshold

    Qualifications

    Bachelor’s degree in business administration, economics or marketing from a recognized university.
    ACCA/CPA; and a qualification in Business Intelligence and data visualization tools experience will be an advantage.
    5-7 years Extensive knowledge and expertise in financial modelling within the financial services industry. Sound experience and knowledge in Credit and Compliance matters. Extensive knowledge and expertise in financial solutions, payments & collection within the financial services industry.
    5-7 years Experience in product development and customer-focused design and the delivery of products/solutions. Experience in process re-engineering and change management. Proven track record of management of financial objectives, both value creation and cost reduction. Proven track record in business analytics and the use of data science in understanding product and customer economics.

    Apply via :

    www.standardbank.com

  • Head, Cash Management

    Head, Cash Management

    Job Purpose 
    To manage all aspects of the assigned high complexity Transaction Banking (TxB) solutioning portfolio to achieve the solution performance indicators and revenue targets, where the solutioning capability requires negotiating improvements and strategic change across functions.
    Responsibilities

    Localize and execute the solution set strategy for assigned area (high complexity).
    Develop and implement plans and set effective targets to achieve portfolio P&L, performance indicators, revenue targets and client expectations, in line with overarching solution strategy.
    Provide local market insight and input towards the Solution Set Strategy.
    Research, collate data and understand the client base and market, providing input into the portfolio value proposition.
    Build relationships with key regulatory bodies / associations and engage in market advocacy to proactively identify new opportunities, influence and lobby.
    Follow and adapt within group guidelines, monitor and lead local NPCs. Monitor solution utilization against performance indicators, to identify areas for improvement that will increase their return-on-investment.
    Contribute to setting the budget, monitor actual expenditure, consolidate and aggregate financial performance and profitability and validate investment business cases, priorities, and decision making.
    Drive execution of solution design and development, including constructing design and development teams to configure, adapt and test solutions, and communicate test results within the local context.
    Act as a solutioning expert, bringing deep technical understanding and support across assigned solution portfolio, with a focus on high complexity execution.
    Own and manage internal and external awareness, internal training and publishing collateral. Communicate solution updates, enhancements and market trends to client facing teams (Coverage, Sales, Implementation, Service) to enhance their solutioning capability across origination and client service efforts .

    QUALIFICATIONS
    Minimum Qualifications

    Type of Qualification: First Degree
    Field of Study: Business Commerce
    10 years experience in Transaction Banking

    Experience Required

    Adjusts approach to client need and context and articulates the benefits and future applications of Transaction Banking (TxB) solutions in an aspirational manner
    Champions the simplification of Solutioning ways of working to enable better and faster client outcomes across multiple  jurisdictions
    Contributes to the development of client experience strategies and executes through bespoke client engagements. Partners with other providers to enhance and support the client experience.
    Demonstrate a track record of identifying and driving the implementation of alternative / multiple solutions across multiple markets contributing to market growth. 
    Demonstrates knowledge of the macro context working across multiple jurisdictions. Assimilates and applies knowledge to identify, plan and solution for multiple clients
    Drive and manage the display and understanding of the relevant legislation, regulations and solution

    ADDITIONAL INFORMATION
    Behavioral Competencies:

    Challenging Ideas
    Convincing People
    Developing Strategies
    Directing People
    Embracing Change
    Exploring Possibilities
    Generating Ideas
    Making Decisions
    Providing Insights
    Pursuing Goals
    Seizing Opportunities
    Upholding Standards

    Technical Competencies:

    Business Insights
    Client Business Case
    Operational Planning
    Product Development
    Product Knowledge (Trading, Transacting)
    Risk Management
    Stakeholder Management
    Strategic Planning and Reporting
    Strategy Definition

    Apply via :

    www.standardbank.com