Career Opportunities at HF Group

The Creative Designer will be responsible for conceptualizing and designing creative communication material that are reflective of the brand guidelines, business objectives and also resonate with the target audience in order to build a consistent and appealing brand image.

Principle Accountabilities

• Develop campaign concepts in liaison with other marketing team members
• Design and define look and feel for brand collateral and assets in line with the brand guidelines
• Collaborate with other marketing team members to decide the best channel selection for design briefs
• Amends and edits to existing artworks
• Application of concepts for various channels
• Ensure all artworks are relevant for to the target audience and on brand
• Development of key visuals, identities and logos
• Design of fascia’s and signage including liaison with production houses on best materials
• Design of digital content in liaison with the Content management officer and digital media buyer

Minimum Qualifications, Knowledge and Experience

• Degree in Design or any other related field / Degree and diploma in graphic design 
• At least 3 years’ experience as a designer or art director preferably in an agency setting with demonstratable work portfolio.

Key Competencies and Skills

• Computer fluency in Mac and PC
• Knowledge of design techniques, tools, and principles
• Typography knowledge
• Multimedia content development
• Media production, communication, and dissemination techniques
• Understanding browser capabilities
• Creativity and originality
• Attention to detail
• Adaptability, flexibility
• Teamwork
• Organization, ability to juggle multiple projects
• Self directed

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Reporting To: Head - Trade Finance

Overall Job Purpose

The Relationship Manager Trade Finance will be responsible for the following;

• The role holder will be the principal contact between a designated portfolio of mainly Trade Sector – Infrastructure, Water and Energy in order to drive business, manage sector profitability growth and maximize revenue. He/she will be responsible for the management of Client relationships to deliver products and services.
• Understanding the needs of his/her clients and developing tailored solutions to meet these needs using the Bank’s suite of products and services targeted to the segment.
• Managing his/her clients across the financing cycle, ensuring compliance with the Bank’s internal policies, regulatory guidelines

Principle Accountabilities

Strategy

• Support the drive of growth and opportunities in the assigned sectors.
• Responsible for developing a detailed strategy that would enable him/her grow and maintain a customer portfolio that will ensure the delivery of the business targets in accordance with the Department’s annual performance plans.
• Managing a portfolio of SME/Commercial banking customers, with accountability for sales, service, risk and operational delivery and acquisition of new to bank customers

Business Development

• The Manager is responsible for effectively executing all the agreed business development and growth strategies in accordance with the long, medium and short term plans of the Bank and as set by the Head of SME/Commercial Banking. This will be done through active portfolio management and development by maintaining & growing existing income sources and meeting set targets for new business.

Credit

• Responsible for building a high-quality client portfolio by effectively managing clients across the entire financing cycle.

Customers / Stakeholders

• Deliver a high quality service by owning customer engagement, striving for excellence in all interactions with (prospective) customer or other professionals, and always acting according to the highest professional standards.
• Ensure that client plans are co-ordinated and the respective support teams are in place with Critical Account objectives accepted, where applicable.
• Take a proactive approach to client planning across the portfolio collaborating with product partners and senior management, as appropriate.
• Establish an effective working relationship with the Risk Management teams, in order to validate the accuracy of the customer risk profile.
• Ensure early identification of problem relationships and take action where there are potential and existing problem accounts to protect HFC interests.

Portfolio management and Collection

• Monitor facility accounts in arrears and work with the relevant Bank staff to reduce the portfolio at risk, and work with the Collections Unit to develop and implement recovery processes.
• Contact the client immediately (meeting him/her in person if required) in the event of non-payment of a facility installment, and, if not resolved, take subsequent actions to recover credit in arrears according to Bank procedures.
• To continuously be reassessing risks associated with the sector the client is in and inherent in the business, taking account of changing economic or market conditions, legal and regulatory requirements, operating procedures and practices, management restructurings
• Conduct consistent monitoring of deals to prevent defaults on client’s payment, alterations in the client’s business, and to be aware of forthcoming client’s financial needs.
• Conduct review of the sector performance, addressing key mitigants and growth opportunities in the sectors.

Operations/Compliance

• Responsible for ensuring that his/her assigned portfolio is in compliance with Bank policies.

Minimum Qualifications, Knowledge and Experience

• Business related degree from an accredited university preferably with a major in Finance, Marketing and/or Economics.
• At least five (5) years’ experience in banking, with proven experience of at least two (2) years in a similar position or at least 3 years banking experience and sales/marketing background, where he/she managed a portfolio of SME or Commercial/Corporate Banking clients.
• Experience managing borrowing customers and analyzing financing proposals, especially for SME.

Key Competencies and Skills

• Ability to work independently under strict deadlines.
• Good interpersonal and communication skills.
• Analytical and basic accounting skills.
• Demonstrated good planning and organisation skills.
• Strong leadership and management skills.
• Selling, persuasion and negotiation skills
• Report writing and presentation skills.
• Team player and must have integrity

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Reporting To: Head of Security and Investigations

Overall Job Purpose

The Fraud Analyst will be responsible for reviewing transactions and collating data from various sources with a view to identify fraudulent and suspicious transactions, institute prompt mitigation actions and create awareness on fraud trends across the Bank network.

Principle Accountabilities

• Constantly monitor and identify high-risk & unauthorized transactions and fraudulent accounts.
• Identify fraudulent transactions and institute prompt mitigating actions.
• Review daily reports & escalate suspicious transactions to relevant stakeholders.
• Recommend and action appropriate holds on accounts identified as having potentially fraudulent issues.
• Contact Customers & Banks to verify transactions and resolve fraud-related account issues, if fraud confirmed, initiate investigations and dispute process.
• Facilitate understanding of fraud prevention and detection across the Bank network.
• Track status of resolved items to provide a record of activities and support identification of trends or persistent issues

Minimum Qualifications, Knowledge and Experience

• University Degree in Computer Science / Finance / Business/ Banking / Criminal Justice studies.
• At least 2 years’ experience in Banking Operations; 1 years’ experience in Fraud Monitoring, Prevention and Detection
• Experience using Analytics techniques in Linear and Logistic Regression, Clustering Techniques, Neural Network, Decision Trees is an added advantage.
• Familiarity with wide array of Fraud Analysis tools, applications and solutions.

Key Competencies and Skills

• Attention to detail
• Organization skills
• Problem-solving skills
• Trustworthiness
• Computer competency

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Reporting To: General Manager - Internal Auditor

Overall Job Purpose

The Internal Auditor will be responsible for performing internal audits with a view to identify underling business risks, recommend corrective actions and to advice the stakeholders on the adequacy and reliability of the controls with the aim of enhancing service delivery and shareholders’ value. 

Principle Accountabilities

• To plan and conduct/ execute / carry out the internal audits of all the business functions of the company with a view to identifying risks and recommend corrective actions to improve the business control environment.
• Generate quality audit reports on findings for reporting to management and to highlight exceptions noted and recommending improvements. 
• Following up on corrective measures to ensure the corrective actions are undertaken as agreed for both internal and external reports by the regulators i.e. KPMG and CBK.
• To review policies and procedures to ensure they are adequate and minimize risks by building in internal controls within the internal procedures and policies.
• Maintenance and archiving of audit reports and audit working papers for internal and external audit assignments.
• To review and advise on any new product features, policies, procedures and services to ensure adequacy and suitability.
• Conduct investigations to identify any lapses or fraudulent transactions as when required with a view to recommending further controls to avoid future losses. 
• Peer review of the audit reports to ensure this captures all the relevant value adding issues and are understood by the teams

Minimum Qualifications, Knowledge and Experience

• A business related degree from a reputable institution.
• Must have qualifications in CPA (K), CISA, ACCA.
• CIA is an added advantage.
• A minimum of 3 years working experience in an audit function in a financial institution or an external audit firm.

Key Competencies and Skills

• Must have Information Technology and accounting skills.
• Practical experience in use of CAAT tools skills e.g. ACL
• Proficient in use of  MS Office tools.  
• Working knowledge of electronic working papers tools e.g. Team Mate.
• Report writing and analytical skills.
• Good understanding of the Bank’s processes and procedures.
• Ability to think broadly and critically.
• Ability to work independently under strict deadlines.
• Must have good interpersonal and communication skills.
• Demonstrated good planning and organisation skills.
• Must be a team player and have integrity
• Must be adaptable to working in different locations/ environments.

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Reporting To: Head of Personal Banking & Diaspora

Overall Job Purpose

The Relationship Manager will manage our Diaspora customers to ensure growth of the business value chains and profitability in addition to maximizing the Bank’s revenues.

Principle Accountabilities

• To be the principal point of contact for the Bank’s relationship with a designated portfolio of diaspora customers and non-customers to all other HF Group units as customer needs dictate.
• To sell, grow business and ensure there is increased customer base, deposits, earnings, facility utilization and usage of all bank products and services.
• To achieve the set growth targets for the portfolio in terms of numbers and values for both Liabilities and Assets.
• To ensure the existing customer relations are well maintained to achieve customer retention.
• Plan, manage and execute campaigns in International markets with high customer potential for recruitment and articulate Bank focus with targeted presentations.
• Analyze market intelligence across the global markets to facilitate development of innovative products.
• To ensure quality service delivery for customers to achieve agreed service levels.
• Undertake existing customer profiling and upselling to increase value per customer.
• Manager diaspora customer requests/transactions in compliance with HFC operational guidelines and procedures with zero tolerance to operational risk and frauds.
• Manage customer portfolio at risk (PAR), account migration and provisions to ensure they are within the Bank’s acceptable levels.

Minimum Qualifications, Knowledge and Experience

• University Degree preferably in a business related field.
• Professional qualifications (AKIB/CIB/CPA/ACCA) 
• MBA is an added advantage
• At least 5 years general banking experience and must have proven experience in Relationship Management ,Customer Service,Credit Analysis & Administration and Sales/product development.

Key Competencies and Skills

• Ability to travel abroad for Diaspora Market Activations
• Ability to build long term,high quality and trusted relationships.
• Excellent planning and organizational skills as well as be an excellent communicator with ability to set and meet stretching targets and  strict deadlines.
• Result driven with a track record of demonstrable networking selling and influencing skills as well as ability to identify new opportunities.
• Demonstrate solid awareness in operational risk and quality in driving service excellence.
• Ability to take initiative and prioritize tasks; good time-management, problem-prevention and problem-solving skills.
• Ability to work accurately with close attention to detail; must have eye for details, strong ability to scrutinize and examine.
• Ability to maintain confidentiality of sensitive information.
• Willingness to adapt to changing business needs and deadlines.

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Reporting To: Branch Business Manager

Overall Job Purpose

The Branch Business Consultant will be responsible for selling Liabilities and Assets in order to grow the Branch Business.

Principle Accountabilities

• Cross selling of HFC Bank's Personal Banking products by establishing new relationships in order to grow both assets and liabilities book.
• Maintaining customer relation by regular contact to ensure customer satisfaction business continuity
• To review accounting opening forms and loan applications by scrutinizing the documents to ensure they are KYC Compliant.
• To check data entry by verifying the data captured against source documents to ensure accuracy in data capture.
• To analyze mortgage loan applications by interviewing the customers.
• To identify customers borrowing needs by interviewing so as to ensure selling of the right mortgage product.
• To safeguard bank assets by being a dual custodian to minimize frauds and losses

Minimum Qualifications, Knowledge and Experience

1. A Business related degree from a reputable institution
2. Atleast 3 years in the Banking Industry
3. Strong appreciation of banking Products.

Key Competencies and Skills

• Ability to work independently under strict deadlines.
• Excellent selling skills and negotiation skills
• Practical experiences in use of MS Office applications.
• Must have good interpersonal skills and communication skills (both oral and written).
• Results oriented, problem analysis and problem-solving skills.
• Demonstrated good planning and organizational skills.
• Good listening skills.
• Attention to detail and accuracy.
• Must be a team player and have integrity.