Careers at Co-operative Bank of Kenya

The Role:

Specifically, the successful jobholder will be required to:

• Identification and scaling up NPL collection initiatives to the branch network.
• Ensure we have statutory notices tracker, and all stakeholders are accessing daily reports.
• Ensuring adherence to collection and follow up policies for both PAR and NPL Portfolio.
• Confirm that all the statutory notices for cases under Business Bankers are issued as scheduled.
• Ensure all the demand notices that were not automatically sent to customers are delivered to customers and e-collect updated.
• Manage the tracker of all the legal cases, & of all cases awaiting insurance & credit guarantee claims.
• Follow up all the cases that are under marketing and ensure branches are part of the marketing channel for a wider visibility.
• Ensuring all non-performing accounts are vigorously pursued for appropriate curing solution.
• Liaising with Collection team and Business Bankers in ensuring PAR reduction by use of the collection tools.
• Maintaining and evaluating quality of loans to ensure compliance with Lending guidelines.
• Champion NPL reduction problem solving sessions with the various stakeholders.
• Monitor all restructured NPL accounts and ensure they are performing.
• Ensure increased usage of remedial solutions to cure NPL book.
• Ensure all loans have a relationship officer at all times.
• Confirm ARO Codes are changed incase a banker is transferred.
• Confirm the status of all the security documents and their location for all the cases under NPL.
• Monitor the portfolio performance and ensure there is no income leakage.
• Ensure all diaries and covenants under NPL customers are closed as scheduled.
• Follow up claims for all the NPL customers who are included in the various guarantee schemes and insurance programs
• Analyze the data and pick out any exceptions eg customers with two working capitals under the same memo groups for further investigations.
• Ensure we have competitive advantage in initiating policy changes backed with data driven insights.
• Facilitate training of Business Bankers about NPL management and importance of loan monitoring.
• Ensure credit facilities are well managed even when a banker is on long/maternity leave.
• Closely monitor overdrawn accounts under NPL and focus the bankers to engage these customer inorder to normalize operation.
• Ensure all NPL customers are in the right segment/branch/relationship officer for efficient relationship management
• Liase with property hub team and ensure there is visibility of all cases they are managing to the branch network.
• Ensure NPL model is used while restructuring eligible NPL cases as per policy.
• Collaborate with the various product houses eg Trade Finance,Mortgage,Asset Finance in following up their NPL cases in the
• warroom and while scaling up NPL reduction initiatives.
• Champion the upgrade of NPL accounts and control downgrades.

Qualifications, Skills & Attributes

• Must have a university degree in a relevant field. AKIB/ACIB would be an added advantage.
• At least 8 years’ experience in general banking or in a financial institution; 3 of which are in a lending function.
• Risk anchored understanding/experience of Credit Management Goals, credit policy and NPL/PAR reduction
• Business understanding of Branch or Banker level relationship management
• A detailed knowledge of the all industry trends and practices locally and internationally.
• A good knowledge of the Bank’s products & services
• A general awareness of the Bank’s Credit Policy
• A good awareness of the Bank’s vision and focus especially in relation to MSME’s

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The role

The successful jobholder will be expected to oversee;

• System Management and Maintenance:
• User issues resolution, Support and Training
• Compliance and Security
• IT Automation
• Integration Efforts
• Systems, Process and business solution Improvements
• DevOps implementation
• Data Management and Reporting

These will include detailed / tactical activities among them

• Oversee resolution of system-related issues across the Head Office and branches.
• Address user queries and system failures, coordinating solutions.
• Perform daily system checks to ensure optimal performance.
• Liaise with software vendors for issue resolution and maintain a system issues log.
• Assist in fraud investigations and collaborate with ICT units to ensure system uptime.
• Ensure business continuity and escalate issues to relevant parties as needed.
• Prepare and approve Project Initiation Documents and secure resources.
• Ensure systems meet user requirements and manage test systems for UAT.
• Develop system configuration documentation and automate business requirements.
• Support user training, perform application tuning, and maintain backup procedures.
• Conduct BCP Drills, ensure database security, and advise top management on IT matters.
• Perform post-implementation audits and manage vendor contracts and SLAs.
• Implement tariff changes and maintain system configuration.
• Plan and estimate implementation costs and ensure data security.
• Manage application licensing, patch/version control, and regulatory compliance.
• Document policies and secure administrative passwords.
• Maintain software security and implement audit recommendations.
• Lead and support team members, mentor staff, and manage vendor relationships.
• Perform other duties as assigned by management.

Qualifications, Skills & Attributes

The successful jobholder will be required to possess the following qualifications:

• A Bachelor of Science Degree in Computer Science or related studies.
• A minimum of five years of experience in ICT systems support.
• Hands-on experience with Core Banking and other bank systems is an advantage.
• A good understanding of bank products, services, policies, and IT trends.
• Familiarity with the bank’s operating procedures and Information Security Policy.
• Excellent leadership, communication, analytical, and problem-solving skills.
• Innovation and quick decision-making under pressure.