Senior Portfolio Manager at KCB Bank Kenya

Job Purpose:

Credit Administration, Policy & Governance Unit falls within the Credit Division and overall job purpose is to maintain the quality of the personal check off loans through effective monitoring and control of the portfolio. The other roles include:

• Management of Global check off schemes to ensure full adoption, forwarding stop orders for loans taken over by other banks
• CRB Fata submission to the three CRBs, updates for customers who pay off their loans
• Release of securities
• MI and reports support for credit
• Corporate Loans Administration and Portfolio Management among other support roles.
• Portfolio management for Retail Banking, to generate and coordinate submission of accurate, timely management information reports and CBK regulatory compliance reports in line with the banks calendar of credit activities.
• Oversee preparation of Statutory and Banking reports, leading a team of two other resources

Key Responsibilities:

• Monitor and control all personal loans in all KCB branches grade 10 and 20 by reviewing the efficiency and effectiveness of loans administration operations. 
• Closely monitoring grade 10 and 20 portfolio check off of 160,000 loans with a value of 180 Billion.
• Monitor branch lending to ensure compliance to lending policy and prescribed lending procedures. 
• Recommend to line management disciplinary action for breach of policy 
• Monitor service standards by checking for adherence with SLAs 
• Review the efficiency and effectiveness of loans administration by putting in place monitoring and risk mitigating procedures to stem migration. 
• Offer credit guidance to Retail Branch network on matters relating to credit; staff training, credit audit issues and monitoring functions 
• Enhance Bank/Employer relationship by offering guidance on matters relating to adoption of repayment instructions, repayment dates and staff training where need be. 
• Ensure timely presentation of the adoption schedules to all employers i.e. global, counties and localized and collection of the by-products for all schemes.
• Proactively monitor and address vintage. 

Job Requirements:

• Degree from a University recognized by CUE.
• Professional qualification in CPAK/ACCA/ ACIB / AKIB will be an added advantage.
• Minimum of 7 years’ experience in Credit Analysis or Credit Administration / Credit Portfolio Management for personal loans related roles.
• Ability to communicate clearly and concisely, both verbally and in writing
• Experience in Managing large teams.
• Proven experience engaging with Banking Regulator, with demonstrated sound understanding of the regulatory environment including CBK Prudential Guidelines 
• Demonstrable understanding of Business fundamentals and the financial services industry.
• Must have awareness of current business trends, risks, challenges and opportunities