Jobs Kenya

Website: Website https://www.nic-bank.com

  • Relationship Manager

    Relationship Manager

    Department: Institutional Banking
    Job Grade: Band 5 – Relationship Manager
    Reporting to: Head of Institutional Banking
    Position Location: ICEA –LION RIVERSIDE
    Purpose of the role:
    To grow deposit liabilities and profitability as per set targets and manage allocated relationships within agreed parameters.
    Key Responsibilities:

    Relationship Management – 20%

    Support in the robust development of existing business relationships and increase profitability/customer wallet size through an aggressive selling culture.
    Ensure no relationship lapses or attrition on any assigned accounts.
    Ensure all bank interest charges/waivers and other set IB parameters are duly implemented in the system.
    Ascertain that all required IB documentation required is obtained.
    Support client confidence through solid delivery of expected benefits such as mutually beneficial financial terms, efficient financial administration and reliability of required service standards support.
    Reduce turnaround time in resolving customer queries and issues.

    Budget/ Financial Goals – 70%

    Grow IB customer base and business volumes as per agreed targets.
    Generate and improve profitability on a portfolio of new customer relations.
    Cross sell Bank products and services
    Ensure that applied credit interest rates are minimal or managed within guidelines and limits set by the Bank and in adherence to regulatory requirements.

    Research -5%

    Develop an intimate understanding of targeted clients’ industry/business, their modus operandi, management practices, influential decision makers’ appreciation, regulation and market conditions affecting the long-term viability of the company/institution and its sector.
    In-depth understanding of financial premier service trends and IB practice both nationally and internationally.
    Identify barriers to business growth and sustainability that emanate from service dissatisfaction and competition from other service and product providers (Market Intelligence).
    Awareness and intimate understanding of the activities of the traditional and non-traditional competitors and the impact on IB client relationships.

    Personal Development – 5%

    Familiarize oneself with all Bank products and services.
    Ensure departmental meeting participation.
    Regularly performance review against agreed objectives.
    Identify skills gaps and bring them to the supervisors’ attention.
    Maintain consistent and cohesive team work with colleagues within the department and bankwide.

    Job Specifications (Minimum):
    Academic Qualifications:
    Bachelor’s Degree in Business related studies or equivalent.
    Professional Qualifications:

    Chartered Institute of Marketing (CIM) qualifications
    Associate of the Kenya Institute of Bankers (AKIB), Associate of the Chartered Institute of Bankers (ACIB) will be an added advantage.

    Work Experience:

    5 years’ experience in main-stream banking operations/service delivery.
    5 years’ experience in sales/marketing of financial products and services.

    Skills Required:
    Technical skills

    Financial analysis Skills: Ability to analyze and/or interpret financial statements, and advice accordingly.
    Analytical business and investment appraisal Skills: Keen on detail and able to conceptualize financial investment proposals and provide viable solutions.
    Technology Skills: Computer literate with proficiency in computerized financial analysis applications.
    Industry knowledge: Candid knowledge of the financial sector and investment opportunities.

    Personal attributes

    Goal driven and results oriented: Enjoys being measured, and judged by financial and other performance targets.
    Personal Ethics: Must be honest, fair and just with self and others, and demonstrate high integrity in work and business contacts.
    Communication Skills: Must have excellent written and verbal communication and presentation skills.
    Interpersonal Skills: Must be a people person with ability to interact with key contacts in target sector.
    Proactive Initiator: Must be a pro-active self-starter with ability to see, advise and harness arising opportunities.
    High Level Energy: Must enjoy the complex/abstract and be apt to flexible working hours.

    Working Relationships:

    Internal
    Dealers & Treasury Back Office
    Branches/Service Delivery
    Corporate Business
    IT
    All Departments Group-wide

    External

    Competitors/Other leading Institutions – Market intelligence. To keep up with any developments /opportunities that can prosper the bank
    Social Responsibility-Carry the bank’s flag high through active participation in various IB customers’ advisory committees, social and fund – raising charity events, etc.

  • Legal Officer

    Legal Officer

    Department: Business Remedial Support
    Job Grade: Band 3
    Position Location: Head Office
    Purpose of the role:
    Ensuring the profitability of bank lending products by collecting on the delinquent receivables efficiently and effectively through legal process, ADR and/or Court process. Reduce operational losses and ensuring timely closure of audit and compliance issues. Maintain relationships with other functions of NIC Group as well external stakeholders in the collections and recoveries process.
    Key Responsibilities:

    Collection and Recoveries
    Portfolio/ Liner Management of Legal recoveries by ensuring that provisions don’t exceed set net target through proactive management with internal and external stakeholders of problem accounts and setting up structures for continuous monitoring.
    Full legal liner coverage by application of the appropriate dunning actions through aggressive follow up on delinquent accounts.
    Meet the credit cost goals of the business by effective collections management, follow through of procedures and standards and making timely remedial decisions.
    Support business and branch units collection effort by developing and executing strategies that will aid in effective debt management.
    Provide timely and legal advice and updates on legal requirements relating to debt recovery matters
    Liaison with external service providers with regards to debt recovery – lawyers, auctioneers, private investigators and debt recovery agents
    Representing the bank in debt recovery litigation through serving as a witness and preparation of documentation
    Preparation of monthly reports on recovery progress
    Constant process improvement to ensure that the Bank’s NPL portfolio is handled in an efficient and legally sound manner
    Vetting of invoices from external lawyers before timely settlement Service Delivery Management
    Manage customer related and control all matters relating to delinquent accounts.
    Coordinate together with manager service management processes within the department to ensure delivery of set targets/objectives on customer service.
    Track customer’s complaints and develop mechanisms to ensure resolution within 48 hours through the daily occurrence report and CRM as per NIC bank Customer Service Policy or else appropriately escalated through customer contact/ADR committee.
    Traiblaze by providing the requisite support to the bank in resolving customer disputes/queries and guarantee customer’s NIC experience through the NIC Way.
    Building prosperity together by participating in initiatives that will make lasting emotional connections with the bank’s customers. Regulatory, Process and Controls
    Reduce operational losses by maintaining a current BCP, RCSA, BIARA policy
    Ensure full compliance with all internal, regulatory, risk and legal requirements and a minimum of “satisfactory” on audit rating and closure of issues.
    Seek to reduce and/or manage overall administrative costs
    Ensure that the correct level of specific debt provision is raised in line with regulatory requirements and the bank’s internal procedures, as well as ensuring that all set targets for the reduction/recovery of debt are met.
    Undertake yearly review of collection processes and policies
    Undertake comprehensive business and financial assessments on identified businesses and/or accounts and make remedial proposals based on the available information
    Proactively manage operating risks associated with remedial management. People Management and Leadership Supporting the departments leadership to execute executive decisions, ensure staff are coached, mentored, developed, trained, appraised and motivated by creating a conducive working environment and re-establishing NIC as the employer of choice through:-
    Developing and agreeing on individual and team performance objectives standards and targets through continuously reviewing staff performance against agreed objectives.
    Providing ongoing coaching, mentorship and guidance to the team to enhance overall productivity. Identifying and developing training needs.
    Managing staff leave effectively and ensuring a leave plan has been set for each staff. Guarantee staff capacity and succession planning is in place.
    Attending all trainings offered by the Bank and facilitate one in house staff training and rotation
    Ensuring at least all staff enroll in all mandatory courses during the year and staff to attend at least one training offered by the bank during the year.

    Academic Qualifications:

    Mandatory Bachelor’s Degree in Law (LL.B) or equivalent
    A Bachelor’s degree in Business Studies, Commerce or Marketing.

    Professional Qualifications:

    Admitted to the roll of advocates with 1-2 years working experience
    Experience in a debt recovery environment (preferably in a financial institution) will be an added advantage
    Proficient computer skills especially Excel and Word.
    Qualifications in Credit Management/Debt Collection will be a definite advantage.

    Work Experience:
    2 year experience in banking operations with exposure to credit or lending and debt collection.
    Skills Required:

    Technical skills
    Analytical Skills: Must be able to analyse and understand the market trends and other factors affecting the financial markets.
    Knowledge of Business Environment: Must understand local and global dynamics of the business environments facing customers.
    Lending Skills: Appraisal requirements for the Bank’s lending products..
    Legislation: Must be familiar with legislation relating to Debt Collection and perfection of Securities, and requirements by regulating bodies.
    Technology Skills: Computer literate with proficiency in MS office and graphic applications.
    To have a flexible and adaptable work approach
    Excellent organisational and time management skills
    Excellent written, verbal, analytical and interpersonal skills
    Effectively work as a team member and independently, with a high-level of self-motivation and ability to set and meet goals
    Apt in negotiating and persuading

    Personal attributes

    Performance Oriented: Understands measurement metrics, appreciates being measured and applying objective criteria to assess customers to mitigate risks and enhance recoveries.
    Personal Ethics: Must be honest, fair and just with self, and high level of integrity.
    Decisive and Independent: Must be self-driven and motivated, able to consult and clarify where necessary and make informed decisions.
    Interpersonal Skills: Must be good with people in both bad and good times, but firm and fair.
    Negotiation Skills: Must be a hard negotiator, with excellent convincing approaches.
    Communication Skills: Excellent written and verbal communication skills, report/proposal writing skills and presentation skills.
    Human Resources Management Skills: management skills, team building skills, and ability to train, develop and mentor staff.

  • IT Business Planning Manager

    IT Business Planning Manager

    Department: Information Technology – ICT
    Job Grade: Band 5 – Manager
    Position Location: Head Office
    Purpose of the role:
    The role of the IT Business Planning Manager, ICT is to support the Technology & Operations Business Manager with Strategy, Tactical and Operational development and implementation, business analysis and performance measurement as well as offer administrative support to ensure smooth running of the office.
    Key Responsibilities:

    Strategy development and implementation

    Strategy development, implementation and tracking of strategic plans, tactical and operational performance.
    Preparation of departmental performance presentations to be used in ICT steering, IT strategy, projects and IT monthly meetings
    To develop, implement and track strategies for IT in liaison with HOD ICT and Technology & Operations Business Manager.
    Understand and interpret customer and user information, drawing value-adding conclusions and actions for the IT business within Technology & Operations.
    Ensure system capabilities are optimised to drive business growth within IT.
    Actively engage with the relevant stakeholders to ensure measurement is continuously improved and maintained in line with the strategic intent of the various departments within IT and Technology & Operations
    Track departmental action plans and prepare documents; including reports to the IT and Technology Leadership team and for onward input for IT STREECO and the Board.

    Project Management/Change Management

    Tracking strategic projects to ensure ICT are on schedule with their deliverables.
    Track business projects to ensure timely delivery.
    Track and coordinate ICT technical projects.
    Work with business to identify benefits of completed ICT projects based on feedback from the business and Finance.
    Analyze changes to ensure they meet the required standard before and after implementation and keep track of changes and their impact on the business, in terms of success and failures.
    Act as a liaison between the business and various ICT departments to ensure the former is informed and appraised of the progress in relation to the pending tasks.
    Ensure customer experience and service metrics are tracked and remedial actions are being implemented.

    Business Measurement and Analysis

    Collect data and generate reports that will actively monitor the performance for unit streams within the IT Department including ICT, Projects & Innovations.
    Track ICT performance against relevant standards, ISO, ITIL, COBIT etc
    Measure and analyze system performance across ICT department.
    Ensure streamlined process and proper capturing of all vital information by the relevant departments
    Mitigate process risks through continuous monitoring of both internal and external audit reports to ensure there are no incidences of mis-representation/loss of revenue
    Conduct periodic training sessions with the teams to ensure all teams are equipped with relevant skills and product knowledge.
    Use analytic dashboards to flag and highlight key deliverables
    Ensure high quality of service by ICT to other business units.
    Analyze and track ICT budgets, costs and cost savings.
    Analyze and report on respective system commercials

    Leadership and People Development

    Deal with relevant stakeholders e.g. Risk & Compliance, Retail, Corporate and T&O to ensure events within ICT have the HODs input/ desired focus/ attendees.
    Work with various teams to build, develop and motivate a high performance team committed to success.
    Work with Head of ICT and Senior ICT Managers to set challenging performance objectives and measures.
    Be a role model for the team, performing duties wholeheartedly.

    Job Specifications (Minimum):
    Academic Qualifications:
    Bachelor’s degree in ICT related field
    Professional Qualifications:
    Professional project management qualification
    Work Experience:
    6 year’s banking experience or equivalent, to include a minimum of 3 years in Project management /similar role.
    Skills required:
    Technical Skills:

    In-depth understanding of each business as a separate entity and their respective targets and mandate as per the IT and Technology & Operations strategy
    Very strong numeracy and analytical skills- specific ability to prepare and analyse various reports, understand problems presented and provide solutions
    High level of accuracy and attention to detail

    Personal attributes

    Results Oriented: Be able to have a personal drive to achieve set goals enthusiastically
    Personal Ethics: Must possess a high level of integrity.
    Decisive and Independent: Ability to work independently, consult and clarify where necessary and make informed decisions.
    Interpersonal Skills; Excellent interpersonal skills, with the ability to establish and develop relationships
    Proactive Initiator: Must be pro-active, a self-starter and have the ability to anticipate and advice on strengths, weaknesses, opportunities and threats.
    Team work; Ability to work through teams, deliver high quality work within deadlines, and to meet team objectives
    Communication Skills: Excellent communication skills both written and oral, including the ability to convey ideas and positions clearly

    Key Success factors:

    Relevant dashboards developed and value-added into BAU for all key aspects of Information Technology.
    Regular commentary on performance provided including feedback and follow up on agreed performance actions/ deliverables
    Ability to scan the trends in the macro-economic environment and make necessary recommendations in relation to technology.
    Timely completion of Strategic and non-strategic projects.

    Working Relationships
    Internal

    All ICT sections, ,Technology & Operations Departments Projects & Innovations, Credit Operations, Transactions Processing, Internal Controls, Digital & Card Operations, Subsidiaries, NIC Ventures, Custodial Services, Customer Experience, Corporate, Treasury , Branch Operations , Uganda and Tanzania.
    Audit and Compliance – for guidance in meeting IT Technical and Operational Standards , CBK Audit, Prudential guidelines and best practice.
    Finance – adherence of the Banks financial reporting requirements.
    Marketing Communications & Citizenship:- events co-ordination and advertisements

    External
    Bank Customers
    Competitors
    CBK , BFIU, KBA , External Auditors

  • Business Process Improvement Manager Relationship Manager – Public Sector

    Business Process Improvement Manager Relationship Manager – Public Sector

    Job Description
    Department Technology and Operations
    Section Customer Experience
    Grade Band 5 – Manager
    Responsible to Head of Customer Experience
    Purpose of the Position:

    To implement and manage the operational business process management framework across various functions, ensuring quality of performance on Service Level Agreements with a view to enhancing customer experience.
    To work collaboratively across the bank’s business and operational units to improve business processes and customer facing systems and introduce innovation into the processes/systems to impact results, enhance profitability and ensure that business process/systems improvement outcomes are in harmony with the Bank’s strategic goals.
    To play an integral role in increasing Customer Satisfaction, Net Promoter Score and efficiencies tied to the bottom line through prioritized system enhancements and process improvements.

    MAIN ACCOUNTABILITIES & APPROXIMATE TIME SPLITS %
    ACCOUNTABILITY
    OUTPUT 

    Business Process Improvement and SLA implementation: (55%)

    Design and implement customer centric business processes in line with changing customer expectations and ensure they are operationalized in all customer facing business systems, challenging the status quo vis-à-vis the customer expectations to bridge the gap
    Lead process improvement initiatives through customer journey mapping and work with cross-functional teams to coordinate and streamline business processes; identify risks and issues and prioritize processes to be improved.
    Facilitate teams to critically review current processes for effectiveness, quality and simplification. Diagnose process “pain-points”; evaluate and develop alternative or effective solutions in liaison with key stakeholders.
    Implement process solutions to improve operational efficiency and recommend innovative solutions to achieve operational effectiveness, promote implementation of best practices
    Develop metrics to ensure processes improvement implementations are successfully measured and efforts are attached to improved Customer Satisfaction and NPS. Identify opportunities for business process optimization by analyzing the process data metrics.
    Prepare and update business process dashboard reports to monitor and measure post implementation benefits to meet improvement targets and drive SLA adherence and Review.
    Create, update and review documentation for new and existing business processes and drive integration of new process with existing business processes.
    Provide training on new processes as needed.

    Operational Management (20%)

    Keep abreast of industry standards and processes and initiate trials and site visits for benchmarking.
    Include the Voice of the Customer, when developing and improving processes, to establish priorities, from the customer stand point of view.
    Conduct User Acceptance testing for new products and services to ensure they pass the customer experience acceptable levels before launch.
    Work directly with stakeholders to discuss & evaluate product feature requests and/or issues by institionalizing customer journey maps 

    Business Development (15%)

    Develop strategies to increase the quality and efficiency of support to customers
    Develop challenging quality metrics across the bank and monitor performance.
    Contribute to product development and improvement through continuous feedback analysis collected through the process and product evaluations.

    Leadership and People Development (10%)

    Build, develop and motivate high performance and workgroups committed to success.
    Set challenging performance objectives and measures for for the workgroups and provide regular feedback and honest assessment on achievement.
    Train, guide and provide leadership, direction and pace to working groups.
    Be a role model for the workgroups, performing my duties wholeheartedly.
    Invest in self development

    Job Specifications (Ideal):
    Academic Qualifications:

    Bachelor’s degree in a business related field Upper 2nd Class or equivalent.

    Professional Qualifications:

    Project Management Certification and experience with MS Projects
    Lean and/or Six Sigma certification or other recognized Business Process Improvement Methodologies

    Work Experience:

    5 years working experience in Business Management or Customer service role within a Sales/ service environment, of which 2 years should be in Project management role
    High level of understanding of bank systems and those in the industry with practical experience in the use of workflow systems and a good understanding of technology.
    Practical experience with banking applications software and advanced user skills for relevant MS Office applications (Word, Excel, PowerPoint, Project, Visio)
    Skills required: Technical skills 
    Knowledge of Banking and Business Operations: Well round knowledge of ALL the Bank’s operations and processes and excellent knowledge of Bank policies and procedures 
    Risk Management: Ability to point out risks that they may come across in touch point evaluations
    Compliance and Regulatory Framework: Knowledge and effective application of all relevant banking policies, processes, procedures and guidelines to consistently achieve required compliance standards or benchmarks.
    Conceptual and Analytical Skills: Ability to quickly grasp and understand systems and keen to detail
    Technology Skills: Technical skills to effectively perform and guide new system’s testing/implementation activities and tasks in a manner that consistently achieves high quality standards or benchmarks Personal attributes
    Strategic thinking with a good understanding and application of commercial and financial principles and view of issues in terms of costs, profits, risks, markets and added value.
    Strong planning and organizing skills to effectively manage and deliver on multiple deliverables; organize and schedule events; activities and resources and set up/monitor timescales and plans Ability to plan and organize self and work in order to achieve objectives and targets and able to overcome obstacles and move forward
    Results and Achievement Oriented: strives to achieve results, enjoys measuring others, being measured, and being judged on performance standards and those of others she leads 
    Personal Ethics: Proactive, confident, energetic and able to work under pressure with a positive attitude
    Negotiation Skills: Must be a good negotiator, particularly in changing behaviour and work practices but always Win/Win
    Communication and Interpersonal Skills: Excellent written and verbal communication skills (articulate) coupled with good listening and critical reasoning skills.
    Human Resources Management Skills: Leadership Skills, Team Building, Organizational skills and ability to train, develop and mentor staff and lead motivated teams.

    Working Relationships:
    Internal

    All Departments – for guidance and solutions to ensure all SLAs are in place and are implemented/met.

    External

    Customers – for guidance and solutions to enhance customer service standards and business growth.
    Vendors- to ensure systems and process are aligned in providing a great customer experience • Kenya Institute of Bankers for self-advancement, enrichment and career progression.

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  • Senior Relationship Manager

    Senior Relationship Manager

    Purpose of the Role
    Direct, control and co-ordinate all banking, lending and operations associated with the assigned portfolio of accounts with the intention of monitoring acceptable credit risk and maximizing the bank’s return from each client. Identify, cultivate and develop business relationships with clientele from the bank’s segmental market.
    Relationship Manager Job Responsibilities
    Business Development

    Identify and develop new business proposals efficiently and expeditiously to ensure that potential new business opportunities are harnessed with existing and new clients.
    Assess and recommend high quality credit facilities for clients and potential clients and thereafter oversee completion of all related security documentation with a view to maximizing earnings and minimizing credit losses. The full process to be handled in a professional and efficient manner and in conformity with Credit
    Policy requirements.
    Initiate and monitor Customer/Bank contact at all levels for assigned clients to ensure highest standards of service are maintained.
    Generally ensure continued safety of advances by regularly auditing all security documentation and inspecting assets charged.
    Sourcing of market information and monitoring of product development and pricing of competitors and assisting in development of innovative financial packaging for clients, to counter competitive pressures.
    Collect and analyze vital data on client’s to acquire in-depth knowledge which will enable advice client’s management on all aspects of banking solutions.

    Staff Development and People Management

    Lead the Assistant Relationship Manager/Assistant Credit Manager to ensure proper coverage of the assigned clients.
    Help team members to identify strengths and weakness in their own skills and attributes, review their self-development plans and ensure training and development needs are accommodated.
    Coach/mentor team members on relationship development, service quality and risk.

    Cross selling other bank products

    Cross selling to all business units including Cash Management, Trade Finance, Personal Banking/Business Banking/Asset Finance/ Treasury / Bancassuarance.

    Qualifications for the Relationship Manager Job

    A University degree (Holders of a Business related degree will have added advantage).
    Professional Banking Qualification (AKIB) or Credit Skill certification will have added advantage.
    8 years’ proven working experience in a Banking environment, with sound exposure to Business Development and credit, 3 years of which should be at a management level, with at least two “succeed” ratings.
    Good understanding of the bank’s systems.
    Proven track record of consistently exceeding set targets.
    Excellent Banking product knowledge.
    Versatility, flexibility, passion and commitment to quality service delivery.

    Personal attributes:

    Results Oriented: Be able to have a personal drive to achieve set goals enthusiastically
    Personal Ethics: Must possess a high level of integrity.
    Knowledge of Banking and Credit: Well round knowledge of the Bank’s operations and processes and excellent knowledge of credit policies and procedures.
    Decisive and Independent: Ability to work independently, consult and clarify where necessary and make informed and firm decisions.
    Interpersonal Skills; Excellent interpersonal skills, with the ability to establish and develop relationships.
    Proactive Initiator: Must be pro-active, a self-starter and have the ability to anticipate and advice on strengths, weaknesses, opportunities and threats.
    Teamwork; Ability to work through teams, deliver high quality work within deadlines, and to meet team objectives.
    Communication Skills: Excellent communication skills both written and oral, including the ability to convey ideas and positions clearly.
    Negotiation Skills: Strong negotiating and decision-making ability.
    Human Resources Management Skills: Leadership Skills, Team Building and ability to train, develop and mentor staff.

  • Trading & Corporate Dealer

    Trading & Corporate Dealer

    Responsible to
    Head of Trading & Corporate sales
    Closing Date
    17th August 2018
    Purpose of the Position:
    Treasury is the financial heartbeat of the Bank, and therefore, the function ensures prudential and statutory-mandated management of the Banks’ Foreign exchange and Interest Rate risks.
    MAIN ACCOUNTABILITIES
    ACCOUNTABILITY
    OUTPUT

    Revenue Generation through Proprietary Trading

    Proprietary trading in foreign currencies within the given parameters.
    Drive Market making in USDKES and other currencies where applicable
    To maintain exchange positions for the bank within the given parameters and ensure profitable covering of open merchant positions in the interbank markets.
    Product development to hedge against exposure created by customer transactions e.g. spot, forward and swaps.
    Keep track of exchange and interest rate movements in local and international markets while managing the bank’s position in accordance with the market trends.
    Servicing currency requirements for NIC corporate clients and ensuring maximum returns from these relationships.
    Maintaining contact with key players in the industry and gathering information that is likely to affect financial markets.
    Provide competitive quotes to the FX sales team and cover client flows
    Liaise with other subsidiaries on maximization of group trading income
    Effective and timely reports to ALCO on foreign exchange trends and forecasts.

    Treasury Sales

    Identifying, targeting and marketing new FX customers with aim of growing our FX revenues.
    Managing the NIC corporate portfolio and ensuring maximum returns from these relationships.
    Providing innovative solutions to existing and potential customers to increase the wallet size.
    Preparation and circulation of daily treasury bulletins and dissemination of any other market information or research material that is beneficial to relevant parties.
    Cross-sell the banks products by introducing new names to any of the other business sections.

    Operational management

    Constant and effective monitoring of the banks foreign currency exposure to ensure internal and CBK policy limits are adhered to.
    Accuracy of records, appropriate application of products and correctness of P&L position.
    Positions and profit reconciliations in liaison with back office departments
    Timely follow up on all reconciliation items
    Timely renewal of Interbank & Customer Limits.
    Liaise with Reuters and other service providers to ensure smooth operation of dealing resources.

    Direct Reports: _0_Staff
    Job Specifications (Ideal):
    Academic Qualifications:
    Bachelors degree in Economics or Business related field
    Professional Qualifications:
    ACI dealing Certificate
    Work Experience:

    3 years progressive experience in a busy Treasury environment.
    Thorough understanding of the local and international financial services industry.
    General banking experience.

    Skills Required:
    Technical skills

    Financial analysis Skills: Ability to analyse market information and provide structured solutions.
    Analytical business and investment appraisal Skills: Able to provide advice and cause/effect evaluation to support business decision making.
    Technology Skills: High level of computer literacy.
    Industry knowledge: Knowledge of foreign exchange markets and trends of major currencies.

    Personal attributes

    Goal driven and results oriented: Enjoys being measured, and judged by financial and other performance targets.
    Personal Ethics: Has a strong service ethic and demonstrates integrity in work and business contacts.
    Communication Skills: strong evaluation, communication and reporting skills.
    Interpersonal Skills: Builds relationships and networks easily with ability to interact with key contacts in finance sector.
    Work balance: Ability to balance opposing business requirements as well as long and short term requirements independently.

    Working Relationships:
    Internal

    Across the organisation at all levels.
    Director of Treasury, Chief Dealer and Head of Trading for any delegated duties

    External

    Competitors/Other leading Institutions – Market intelligence. To keep up with any developments in the Banking industry.
    Regional and cross country- to ensure sharing of best practices across the organisation.
    Service Providers – for provision and service of the tools of our trade. (Reuters)
    Professional bodies. ACI –The Financial Markets Association of Kenya.

  • Branch Manager (Micro Branches)

    Branch Manager (Micro Branches)

    Department: Retail Banking
    Locations: Upperhill – Kma Centre, Lavington, Narok
    Job Grade: Band 5
    Reporting to: Designated Regional Manager
    Closing Date: 3/08/2018
    Purpose of the role:
    To provide powerful leadership, deliver exceptional branch business growth, customer service and profitability, through identifying and developing business opportunities for all NIC products to include; Personal Banking, Business Banking, Asset finance, IB, Corporate, Bank Assurance ,NIC securities and efficiently manage customer accounts to guarantee a clean book with high retention.
    Key Responsibilities:

    Financial Growth, sales growth, business development and profitability

    Formulate and implement sales plans/strategy for the branch aimed at increasing new business and share of wallet from existing clients.
    Closely monitor branch business performance and ensure accurate records of the same are maintained and forwarded to the Head of Branch Business and respective Business Heads.
    Collaborate and coordinate the development and implementation of sales initiatives with Service Delivery Managers, Asset Finance, IB, Treasury, Corporate, Direct Sales Team, Bank assurance and NIC Securities to maximize on cross-selling opportunities.
    In conjunction with Head of Branch Business and Manager, Products Development, conduct product review and product development through constant feedback from the market.
    Harness existing and create new competencies in order to achieve competitive advantage.
    Continuously conduct market intelligence to identify new markets, customer trends, new government directives and changes in policy by regulators.

    Customer Service

    Develop a strong customer relationship management system aimed at customer retention and maximizing on every relationship.
    Contribute to the branch business targets through strict TAT observance and high level service delivery standards.
    Coordinate branch initiatives aimed at gathering feedback from customers on service standards and advise business heads on improvements.

    Operations Management and Compliance

    Ensure that the Bank’s Policy is adhered to at all times when handling different products
    Ensure branch performance reports are timely & accurate
    Ensure adherence all KYC & AML processes with regards to new business and proper documentation is in place
    ensure compliance with operations risk requirements to avoid losses arising from operational lapses
    Manage check referral process to ensure timely feedback
    Ensure all relevant returns are submitted on timely basis
    Ensure all fees and commissions due to the bank are collected.
    Ensure that the branch Achieves a minimum ‘Good’ audit rating through prompt closure of all audit exceptions sighted

    Leadership

    Build and develop a high performing and motivated team committed to achieving success.
    Set performance objectives and measures of success for direct reports, providing regular feedback from staff appraisal processes.
    Provide leadership to assigned team by constantly offer training and guidance on the business expectations.

    Requirements:
    Academic Qualifications:
    A degree in social sciences or a business related field.
    Professional Qualifications:
    A risk related professional qualification is an added advantage.
    Work Experience:

    6 years’ working experience in a Banking environment, with sound exposure to Business development and Bank operations.
    Technical Skills and Personal Attributes:
    Pragmatic Problem Solving Skills: Ability to handle and resolve intricate problems, adapt to new environments and provide effective solutions.
    Personal and Professional Ethics: Must operate and practice within the professional code of conduct, be honest, with self and colleagues
    Compliance and Regulatory Framework: In-depth knowledge of Card Business products, services and delivery channels including relevant compliance and regulatory requirements.
    Strong Customer Service focus: ability to effectively follow through with customer enquiry.
    Leadership and People management skills: strives to achieve results, enjoys measuring others, being measured, and being judged on performance standards.
    Risk Assessment and Analytical Skills: Ability to quickly grasp operational risks, interpret financial statements and advise accordingly. Attention to detail is a must have.
    Planning and organizing: Ability to establish priorities, manage conflicting priorities and deadlines.
    Communication and Interpersonal Skills: well developed oral and report-writing skills, ability to work in team set-up.
    Decisive and Independent: Ability to work independently, consult where necessary and make informed and firm decisions.

    Working Relationships
    Internal

    Credit Risk – for approval of customer applications
    Credit Operations – for approved customer facilities
    Business Remedial Support – for follow-up of past due repayments
    Audit and Compliance – for guidance in meeting Operational Standards and best practice
    Alternate Channels & Contact Centre- for customer service follow-up and assistance
    Bank reconciliation & ICT- for follow-up on posting and correct data capture
    Retail Banking, Service Delivery, Corporate, IB, Asset Finance, NIC Securities and other banks subsidiaries staff – for lead generation, prospecting and conversion.
    Finance – adherence of the Banks financial reporting requirements

    External
    Bank Customers
    Competitors
    CBK , BFIU, KBA , External Auditors

  • Relationship Manager

    Relationship Manager

    Department: Institutional Banking
    Job Grade: Band 5 – Relationship Manager
    Reporting to: Head of Institutional Banking
    Position Location: ICEA –LION RIVERSIDE
    Purpose of the role:
    To grow deposit liabilities and profitability as per set targets and manage allocated relationships within agreed parameters.
    Key Responsibilities:

    Relationship Management – 20%

    Support in the robust development of existing business relationships and increase profitability/customer wallet size through an aggressive selling culture.
    Ensure no relationship lapses or attrition on any assigned accounts.
    Ensure all bank interest charges/waivers and other set IB parameters are duly implemented in the system.
    Ascertain that all required IB documentation required is obtained.
    Support client confidence through solid delivery of expected benefits such as mutually beneficial financial terms, efficient financial administration and reliability of required service standards support.
    Reduce turnaround time in resolving customer queries and issues.

    Budget/ Financial Goals – 70%

    Grow IB customer base and business volumes as per agreed targets.
    Generate and improve profitability on a portfolio of new customer relations.
    Cross sell Bank products and services
    Ensure that applied credit interest rates are minimal or managed within guidelines and limits set by the Bank and in adherence to regulatory requirements.

    Research -5%

    Develop an intimate understanding of targeted clients’ industry/business, their modus operandi, management practices, influential decision makers’ appreciation, regulation and market conditions affecting the long-term viability of the company/institution and its sector.
    In-depth understanding of financial premier service trends and IB practice both nationally and internationally.
    Identify barriers to business growth and sustainability that emanate from service dissatisfaction and competition from other service and product providers (Market Intelligence).
    Awareness and intimate understanding of the activities of the traditional and non-traditional competitors and the impact on IB client relationships.

    Personal Development – 5%

    Familiarize oneself with all Bank products and services.
    Ensure departmental meeting participation.
    Regularly performance review against agreed objectives.
    Identify skills gaps and bring them to the supervisors’ attention.
    Maintain consistent and cohesive team work with colleagues within the department and bankwide.

    Job Specifications (Minimum):
    Academic Qualifications:
    Bachelor’s Degree in Business related studies or equivalent.
    Professional Qualifications:

    Chartered Institute of Marketing (CIM) qualifications
    Associate of the Kenya Institute of Bankers (AKIB), Associate of the Chartered Institute of Bankers (ACIB) will be an added advantage.

    Work Experience:

    5 years’ experience in main-stream banking operations/service delivery.
    5 years’ experience in sales/marketing of financial products and services.

    Skills Required:
    Technical skills

    Financial analysis Skills: Ability to analyze and/or interpret financial statements, and advice accordingly.
    Analytical business and investment appraisal Skills: Keen on detail and able to conceptualize financial investment proposals and provide viable solutions.
    Technology Skills: Computer literate with proficiency in computerized financial analysis applications.
    Industry knowledge: Candid knowledge of the financial sector and investment opportunities.

    Personal attributes

    Goal driven and results oriented: Enjoys being measured, and judged by financial and other performance targets.
    Personal Ethics: Must be honest, fair and just with self and others, and demonstrate high integrity in work and business contacts.
    Communication Skills: Must have excellent written and verbal communication and presentation skills.
    Interpersonal Skills: Must be a people person with ability to interact with key contacts in target sector.
    Proactive Initiator: Must be a pro-active self-starter with ability to see, advise and harness arising opportunities.
    High Level Energy: Must enjoy the complex/abstract and be apt to flexible working hours.

    Working Relationships:

    Internal
    Dealers & Treasury Back Office
    Branches/Service Delivery
    Corporate Business
    IT
    All Departments Group-wide

    External

    Competitors/Other leading Institutions – Market intelligence. To keep up with any developments /opportunities that can prosper the bank
    Social Responsibility-Carry the bank’s flag high through active participation in various IB customers’ advisory committees, social and fund – raising charity events, etc.

  • Legal Officer

    Legal Officer

    Department: Business Remedial Support
    Job Grade: Band 3
    Position Location: Head Office
    Purpose of the role:
    Ensuring the profitability of bank lending products by collecting on the delinquent receivables efficiently and effectively through legal process, ADR and/or Court process. Reduce operational losses and ensuring timely closure of audit and compliance issues. Maintain relationships with other functions of NIC Group as well external stakeholders in the collections and recoveries process.
    Key Responsibilities:

    Collection and Recoveries
    Portfolio/ Liner Management of Legal recoveries by ensuring that provisions don’t exceed set net target through proactive management with internal and external stakeholders of problem accounts and setting up structures for continuous monitoring.
    Full legal liner coverage by application of the appropriate dunning actions through aggressive follow up on delinquent accounts.
    Meet the credit cost goals of the business by effective collections management, follow through of procedures and standards and making timely remedial decisions.
    Support business and branch units collection effort by developing and executing strategies that will aid in effective debt management.
    Provide timely and legal advice and updates on legal requirements relating to debt recovery matters
    Liaison with external service providers with regards to debt recovery – lawyers, auctioneers, private investigators and debt recovery agents
    Representing the bank in debt recovery litigation through serving as a witness and preparation of documentation
    Preparation of monthly reports on recovery progress
    Constant process improvement to ensure that the Bank’s NPL portfolio is handled in an efficient and legally sound manner
    Vetting of invoices from external lawyers before timely settlement Service Delivery Management
    Manage customer related and control all matters relating to delinquent accounts.
    Coordinate together with manager service management processes within the department to ensure delivery of set targets/objectives on customer service.
    Track customer’s complaints and develop mechanisms to ensure resolution within 48 hours through the daily occurrence report and CRM as per NIC bank Customer Service Policy or else appropriately escalated through customer contact/ADR committee.
    Traiblaze by providing the requisite support to the bank in resolving customer disputes/queries and guarantee customer’s NIC experience through the NIC Way.
    Building prosperity together by participating in initiatives that will make lasting emotional connections with the bank’s customers. Regulatory, Process and Controls
    Reduce operational losses by maintaining a current BCP, RCSA, BIARA policy
    Ensure full compliance with all internal, regulatory, risk and legal requirements and a minimum of “satisfactory” on audit rating and closure of issues.
    Seek to reduce and/or manage overall administrative costs
    Ensure that the correct level of specific debt provision is raised in line with regulatory requirements and the bank’s internal procedures, as well as ensuring that all set targets for the reduction/recovery of debt are met.
    Undertake yearly review of collection processes and policies
    Undertake comprehensive business and financial assessments on identified businesses and/or accounts and make remedial proposals based on the available information
    Proactively manage operating risks associated with remedial management. People Management and Leadership Supporting the departments leadership to execute executive decisions, ensure staff are coached, mentored, developed, trained, appraised and motivated by creating a conducive working environment and re-establishing NIC as the employer of choice through:-
    Developing and agreeing on individual and team performance objectives standards and targets through continuously reviewing staff performance against agreed objectives.
    Providing ongoing coaching, mentorship and guidance to the team to enhance overall productivity. Identifying and developing training needs.
    Managing staff leave effectively and ensuring a leave plan has been set for each staff. Guarantee staff capacity and succession planning is in place.
    Attending all trainings offered by the Bank and facilitate one in house staff training and rotation
    Ensuring at least all staff enroll in all mandatory courses during the year and staff to attend at least one training offered by the bank during the year.

    Academic Qualifications:

    Mandatory Bachelor’s Degree in Law (LL.B) or equivalent
    A Bachelor’s degree in Business Studies, Commerce or Marketing.

    Professional Qualifications:

    Admitted to the roll of advocates with 1-2 years working experience
    Experience in a debt recovery environment (preferably in a financial institution) will be an added advantage
    Proficient computer skills especially Excel and Word.
    Qualifications in Credit Management/Debt Collection will be a definite advantage.

    Work Experience:
    2 year experience in banking operations with exposure to credit or lending and debt collection.
    Skills Required:

    Technical skills
    Analytical Skills: Must be able to analyse and understand the market trends and other factors affecting the financial markets.
    Knowledge of Business Environment: Must understand local and global dynamics of the business environments facing customers.
    Lending Skills: Appraisal requirements for the Bank’s lending products..
    Legislation: Must be familiar with legislation relating to Debt Collection and perfection of Securities, and requirements by regulating bodies.
    Technology Skills: Computer literate with proficiency in MS office and graphic applications.
    To have a flexible and adaptable work approach
    Excellent organisational and time management skills
    Excellent written, verbal, analytical and interpersonal skills
    Effectively work as a team member and independently, with a high-level of self-motivation and ability to set and meet goals
    Apt in negotiating and persuading

    Personal attributes

    Performance Oriented: Understands measurement metrics, appreciates being measured and applying objective criteria to assess customers to mitigate risks and enhance recoveries.
    Personal Ethics: Must be honest, fair and just with self, and high level of integrity.
    Decisive and Independent: Must be self-driven and motivated, able to consult and clarify where necessary and make informed decisions.
    Interpersonal Skills: Must be good with people in both bad and good times, but firm and fair.
    Negotiation Skills: Must be a hard negotiator, with excellent convincing approaches.
    Communication Skills: Excellent written and verbal communication skills, report/proposal writing skills and presentation skills.
    Human Resources Management Skills: management skills, team building skills, and ability to train, develop and mentor staff.

  • IT Business Planning Manager

    IT Business Planning Manager

    Department: Information Technology – ICT
    Job Grade: Band 5 – Manager
    Position Location: Head Office
    Purpose of the role:
    The role of the IT Business Planning Manager, ICT is to support the Technology & Operations Business Manager with Strategy, Tactical and Operational development and implementation, business analysis and performance measurement as well as offer administrative support to ensure smooth running of the office.
    Key Responsibilities:

    Strategy development and implementation

    Strategy development, implementation and tracking of strategic plans, tactical and operational performance.
    Preparation of departmental performance presentations to be used in ICT steering, IT strategy, projects and IT monthly meetings
    To develop, implement and track strategies for IT in liaison with HOD ICT and Technology & Operations Business Manager.
    Understand and interpret customer and user information, drawing value-adding conclusions and actions for the IT business within Technology & Operations.
    Ensure system capabilities are optimised to drive business growth within IT.
    Actively engage with the relevant stakeholders to ensure measurement is continuously improved and maintained in line with the strategic intent of the various departments within IT and Technology & Operations
    Track departmental action plans and prepare documents; including reports to the IT and Technology Leadership team and for onward input for IT STREECO and the Board.

    Project Management/Change Management

    Tracking strategic projects to ensure ICT are on schedule with their deliverables.
    Track business projects to ensure timely delivery.
    Track and coordinate ICT technical projects.
    Work with business to identify benefits of completed ICT projects based on feedback from the business and Finance.
    Analyze changes to ensure they meet the required standard before and after implementation and keep track of changes and their impact on the business, in terms of success and failures.
    Act as a liaison between the business and various ICT departments to ensure the former is informed and appraised of the progress in relation to the pending tasks.
    Ensure customer experience and service metrics are tracked and remedial actions are being implemented.

    Business Measurement and Analysis

    Collect data and generate reports that will actively monitor the performance for unit streams within the IT Department including ICT, Projects & Innovations.
    Track ICT performance against relevant standards, ISO, ITIL, COBIT etc
    Measure and analyze system performance across ICT department.
    Ensure streamlined process and proper capturing of all vital information by the relevant departments
    Mitigate process risks through continuous monitoring of both internal and external audit reports to ensure there are no incidences of mis-representation/loss of revenue
    Conduct periodic training sessions with the teams to ensure all teams are equipped with relevant skills and product knowledge.
    Use analytic dashboards to flag and highlight key deliverables
    Ensure high quality of service by ICT to other business units.
    Analyze and track ICT budgets, costs and cost savings.
    Analyze and report on respective system commercials

    Leadership and People Development

    Deal with relevant stakeholders e.g. Risk & Compliance, Retail, Corporate and T&O to ensure events within ICT have the HODs input/ desired focus/ attendees.
    Work with various teams to build, develop and motivate a high performance team committed to success.
    Work with Head of ICT and Senior ICT Managers to set challenging performance objectives and measures.
    Be a role model for the team, performing duties wholeheartedly.

    Job Specifications (Minimum):
    Academic Qualifications:
    Bachelor’s degree in ICT related field
    Professional Qualifications:
    Professional project management qualification
    Work Experience:
    6 year’s banking experience or equivalent, to include a minimum of 3 years in Project management /similar role.
    Skills required:
    Technical Skills:

    In-depth understanding of each business as a separate entity and their respective targets and mandate as per the IT and Technology & Operations strategy
    Very strong numeracy and analytical skills- specific ability to prepare and analyse various reports, understand problems presented and provide solutions
    High level of accuracy and attention to detail

    Personal attributes

    Results Oriented: Be able to have a personal drive to achieve set goals enthusiastically
    Personal Ethics: Must possess a high level of integrity.
    Decisive and Independent: Ability to work independently, consult and clarify where necessary and make informed decisions.
    Interpersonal Skills; Excellent interpersonal skills, with the ability to establish and develop relationships
    Proactive Initiator: Must be pro-active, a self-starter and have the ability to anticipate and advice on strengths, weaknesses, opportunities and threats.
    Team work; Ability to work through teams, deliver high quality work within deadlines, and to meet team objectives
    Communication Skills: Excellent communication skills both written and oral, including the ability to convey ideas and positions clearly

    Key Success factors:

    Relevant dashboards developed and value-added into BAU for all key aspects of Information Technology.
    Regular commentary on performance provided including feedback and follow up on agreed performance actions/ deliverables
    Ability to scan the trends in the macro-economic environment and make necessary recommendations in relation to technology.
    Timely completion of Strategic and non-strategic projects.

    Working Relationships
    Internal

    All ICT sections, ,Technology & Operations Departments Projects & Innovations, Credit Operations, Transactions Processing, Internal Controls, Digital & Card Operations, Subsidiaries, NIC Ventures, Custodial Services, Customer Experience, Corporate, Treasury , Branch Operations , Uganda and Tanzania.
    Audit and Compliance – for guidance in meeting IT Technical and Operational Standards , CBK Audit, Prudential guidelines and best practice.
    Finance – adherence of the Banks financial reporting requirements.
    Marketing Communications & Citizenship:- events co-ordination and advertisements

    External
    Bank Customers
    Competitors
    CBK , BFIU, KBA , External Auditors