Careers at Family Bank Ltd

Job Purpose:

• To supervise the ongoing monitoring of the Bank’s credit portfolio to ensure asset quality, early identification of emerging risks, adherence to approved credit terms, regulatory compliance, and timely remedial interventions. The role supports sustainable portfolio growth across Retail, Commercial, MSME, 
• Corporate, and Digital lending segments by driving proactive portfolio surveillance, covenant compliance, delinquency control, and portfolio analytics. The incumbent plays a critical role in protecting the Bank’s balance sheet as the institution scales toward Tier 1 status under the 5-year strategic transformation agenda. 

Key Responsibilities: 
Credit Portfolio Monitoring & Surveillance 

• Supervise daily, weekly, and monthly monitoring of the performing and non-performing loan portfolio.  
• Track repayment behavior, arrears trends, excesses, limit breaches, covenant breaches, and early warning signals.  
• Ensure timely review of watch-list accounts and escalation of deteriorating exposures.  
• Monitoring sector, product, geographic, and obligor concentration risks.  
• Ensure adherence to approved credit terms and covenants post-disbursement.  

Early Warning & Risk Detection 

• Identify accounts showing signs of financial stress and initiate remedial action recommendations.  
• Coordinate preparation and maintenance of Watchlist / High Risk Accounts registers.  
• Trigger account reviews where borrower risk profile changes materially.  
• Escalate high-risk exposures to Credit Management Committees promptly.  

Portfolio Quality Management 

• Support reduction of PAR, NPL ratios, roll-rates, and delinquency migration.  
• Track curing performance of delinquent accounts.  
• Monitor restructuring, rescheduling, and remedial management accounts.  
• Partner with Recoveries and Business teams on action plans for stressed facilities.  

Reporting & Analytics 

• Conduct stress tests on the portfolio 
• Analyze trends by segment: Retail, SME, Commercial, Corporate, Digital.  
• Generate insights into emerging sector risks and recommend mitigating actions.  

Compliance & Governance 

• Ensure compliance with CBK prudential guidelines, IFRS 9 triggers, internal credit policy, and risk appetite limits.  
• Support internal/external audit reviews and closure of audit findings.  

Team Leadership & Operational Excellence 

• Supervise Credit Monitoring Officers 
• Allocate work, mentor staff, and ensure SLA adherence.  
• Drive continuous improvement and automation of monitoring processes.  
• Promote strong risk culture and accountability within the unit.  
• Any other official duty as may be assigned by management 

ACADEMIC & PROFESSIONAL QUALIFICATIONS 

• Bachelor’s degree in finance, Accounting, Economics, Statistics, Banking, Business Administration or related field.  
• CPA(K), ACCA, CFA, Credit Risk Certification, or equivalent.  
• Training in IFRS 9, Credit Risk Management, Data Analytics, or Banking Operations is an added advantage.  

EXPERIENCE REQUIRED 

• Minimum 4–6 years’ banking experience in Credit Risk, Credit Administration, Portfolio Monitoring, 
• Remedial Management, or Corporate/SME Credit.  
• Proven experience monitoring diverse loan portfolios across Retail, MSME, Commercial, and corporate segments.  
• Experience using core banking systems and portfolio analytics tools.  
• Exposure to a transforming / growth-oriented bank environment is desirable.  

Key Competencies: 

• Strong credit risk analysis and portfolio management knowledge  
• Knowledge of Retail, MSME, Commercial & Corporate lending products  
• Asset quality management and remedial credit skills  
• IFRS 9 staging / impairment awareness  
• CBK prudential guidelines and regulatory compliance knowledge  
• Financial statement analysis  
• Covenant monitoring and security perfection controls  
• Portfolio analytics and trend interpretation  
• Core banking / loan management systems proficiency  
• Advanced Excel, Power BI, SQL or analytics tools preferred

Closing Date is 12th September 2026.

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Job Purpose:

• To provide strategic leadership in the development and growth of the Bank’s Micro, Small and Medium Enterprises (MSME) Banking business by driving sustainable asset and liability growth, enhancing customer acquisition and retention, strengthening portfolio quality, and delivering innovative, customer centric financial solutions. The role will lead the development and execution of the MSME strategy, ensure effective market segmentation and proposition development, strengthen relationship management and distribution capabilities, and optimize risk-adjusted returns while ensuring compliance with regulatory and Bank requirements. The role will also champion strategic partnerships, digital solutions and ecosystem-based approaches to enhance MSME financial inclusion, improve customer experience, and position Family Bank as the preferred financial partner for MSMEs. 

Key Responsibilities: 
Strategic Leadership  

• Developing and executing SME Banking Strategy aligned to the Bank’s overall strategic plan 
• Identifying priority sectors, value chains, and growth corridors to drive portfolio expansion 
• Leading transformation of the SME and franchises into scalable, digitally enabled business lines 
• Driving innovation in business banking products including structured trade, working capital, supply chain, and sector-specific solutions 

Business Growth & Financial Performance 

• Delivering strong, sustainable growth in: SME loan book 
• Deposits and CASA growth 
• Non-funded income (fees, trade finance, cash management) 
• Optimizing portfolio mix for yield, risk diversification, and capital efficiency 
• Driving wallet share growth from existing clients through cross-sell of Bank products 

Credit & Risk Oversight 

• Positioning the Bank as a preferred partner for SMEs, mid-corporates, and large corporates 
• Championing customer experience excellence across onboarding, servicing, and turnaround times 
• Building strong relationships with key industry players, regulators, DFIs, and sector associations 

Product & Segment Development 

• Driving development of tailored solutions for: 
• Sector-specific financing (e.g., manufacturing, education, health, trade, agribusiness) 
• Supply chain and ecosystem banking 
• Structured and syndicated lending 
• Collaborating with Digital, Product, and Operations teams to digitize SME journeys 

People & Culture Leadership 

• Building a high-performing SME banking team 
• Strengthening relationship management and sector specialization capabilities 
• Driving a strong performance culture anchored on accountability, customer focus, and collaboration 
• Mentoring senior leaders and building succession pipelines 

Governance & Stakeholder Engagement 

• Ensure compliance with regulatory and internal governance standards 
• Contribute to enterprise-wide strategy, budgeting, and performance planning 

Academic & Professional Qualifications 

• Bachelor’s degree in business, Finance, Economics, Banking, or related field 
• Master’s degree in business administration (MBA) or related field — preferred 
• Professional banking or finance qualification (e.g., CPA, ACCA, CFA, AKIB or equivalent)- advantageous. 

Experience Required 

• 10-12 years’ banking experience, with at least: 
• 6–8 years in SME Banking leadership roles 
• Proven track record managing a large commercial/business banking portfolio 
• Demonstrated success in delivering loan and deposit growth with strong asset quality 
• Experience leading multi-segment or regional banking teams 
• Experience in a transforming or rapidly scaling bank is highly desirable 
• Exposure to digital transformation in business banking is an added advantage 

Closing Date is 9th September 2026.

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Job Purpose:

• To lead the Bank’s Public Sector Banking strategy by driving sustainable growth in relationships, deposits, transactional flows, and credit exposure within National Government, County Governments, State Corporations, Parastatals, Government Donor-Funded Projects, and Public Institutions. 
• The role is responsible for positioning the Bank as a trusted financial partner to public institutions, delivering tailored banking, digital payment, liquidity, and financing solutions while ensuring strict compliance with regulatory and governance requirements. 

Key Responsibilities: 
A. Strategy & Business Growth 

• Develop and execute the Public Sector Banking strategy aligned to the Bank’s 5-year Tier 1 growth agenda 
• Build a strong pipeline of: 
• Government MDAs (Ministries, Departments & Agencies) County Governments State Corporations & Parastatals 
• Donor-funded and development partner programs CDF accounts and projects 
• Drive growth in low-cost public sector deposits and transaction volumes 
• Structure financing solutions for public institutions including asset finance, infrastructure support, and short-term facilities 
• Champion digitization of public sector collections and payments 

Relationship Management 

• Own senior relationships with key public sector decision-makers (PSs, CFOs, Treasurers, CEOs of parastatals) 
• Represent the Bank in government forums, sector associations, and public finance engagements 
• Ensure high service standards through coordinated support from Trade, Treasury, Digital, and Operations teams 

Product & Solution Development 

• Work with Product, Digital, and Treasury teams to develop: 
• Public sector payroll and payments solutions 
• Revenue collection platforms 
• Escrow & project accounts 
• Donor fund management solutions 
• Promote digital adoption within government institutions 

Risk, Governance & Compliance 

• Ensure all facilities meet CBK, Public Finance Management (PFM) and procurement regulations 
• Maintain high asset quality and early identification of portfolio risks 
• Ensure ethical conduct and strict adherence to anti-corruption and AML standards 

Team Leadership 

• Lead, coach, and develop Public Sector Relationship Managers 
• Embed performance culture, accountability, and customer-centricity 
• Build sector specialization within the team 

Stakeholder Collaboration 

• Partner with: 
• Credit Risk 
• Legal 
• Treasury 
• Transaction Banking 
• Digital Banking to deliver seamless end-to-end solutions. 

Academic & Professional Qualifications 

• Bachelor’s degree in commerce, Finance, Economics, Business or related field 
• Master’s degree (MBA or equivalent) -preferred 
• Professional banking or finance certification (AKIB, CPA, ACCA, CFA)-advantageous 
• Training in Public Finance, Government Procurement, or Development Finance — added advantage 

Experience Required 

• 8–10 years’ banking experience, with at least: 
• 5 years in Corporate, Institutional, or Government Banking 
• 3 years in a senior relationship management or leadership role 
• Proven track record managing large institutional/public sector portfolios 
• Demonstrated experience engaging senior public sector stakeholders 
• Experience in structuring complex institutional credit and transaction solutions 

Closing Date is 9th September 2026.

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Job Purpose:

• The Head of Education Sector is responsible for developing and executing the Bank’s education-sector banking strategy, positioning the Bank as a leading financial partner for universities, colleges, schools, education service providers, and education-focused institutions. 
• The role will drive sector penetration, liability mobilization, asset growth, transactional banking, and ecosystem partnerships across the education value chain while ensuring strong risk management, stakeholder engagement, and alignment with the Bank’s Tier-1 growth ambition. 

Key Responsibilities: 

Sector Strategy & Business Growth 

• Develop and implement a dedicated Education Sector Banking Strategy Commercial Banking objectives of the Bank 
• Identify opportunities across: 
• Public & private universities 
• Technical & vocational institutions 
• Private schools & international schools 
• Key Education service providers  
• Drive sustainable growth in deposits, loans, and transactional volumes within the sector 
• Structure tailored financial solutions including: 
• School infrastructure financing 
• Capex financing for institutions 
• Working capital & fee financing solutions 
• Salary processing and student payment ecosystems 

Relationship Management & Client Acquisition 

• Build and maintain strong relationships with: 
• School boards and management committees 
• University finance and administration teams 
• Education ministries, regulators, and funding bodies 
• Lead acquisition of new education-sector institutional clients 
• Manage a portfolio of large and strategic education institutions 
• Ensure high retention and deepening of existing relationships 

Product Development & Ecosystem Solutions 

• Work with Product, Digital, and Transaction Banking teams to design: 
• School fee collection platforms 
• Student wallet and digital payment solutions 
• Bursary and scholarship disbursement solutions 
• Education insurance and asset finance partnerships 
• Champion digital adoption across education clients 

Revenue & Portfolio Performance 

• Drive growth in: 
• HR Department Doc 
• Low-cost institutional deposits 
• Trade and transactional income 
• Lending income from structured education deals 
• Ensure high-quality asset book with strong monitoring and early warning mechanisms 

Risk, Governance & Compliance 

• Ensure all sector lending adheres to the Bank’s credit, regulatory, and risk frameworks 
• Conduct sector risk analysis and portfolio reviews 
• Maintain compliance with public-sector and donor funding guidelines where applicable 

Stakeholder & Market Engagement 

• Represent the Bank in education forums, conferences, and industry associations 
• Build partnerships with education-focused development agencies and NGOs 
• Provide market intelligence to inform Bank strategy 

Leadership & Internal Collaboration 

• Provide sector expertise to Relationship Managers across regions 
• Train internal teams on education-sector banking opportunities 
• Work cross-functionally with Credit, Risk, Treasury, Digital, and Operations teams 

Academic & Professional Qualifications 

• Bachelor’s degree in: Business, Finance, Economics, Banking, or related field 
• Master’s degree (MBA, Finance, Strategy, or related discipline) – preferred 
• Professional qualifications such as: 
• CPA, ACCA, CFA, or Credit Certification – added advantage 

Experience Requirements 

• Minimum 8-10–years’ banking experience 
• At least 5 years in Institutional, Corporate, or Sector-Specific Banking 
• Proven track record managing large institutional relationships 
• Experience in structured lending and sector portfolio management 
• Exposure to education sector financing or public-sector institutional banking is a strong advantage 

Closing Date is 9th September 2026.

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Job Purpose: 

• The General Manager Bancassurance will provide end-to-end leadership of the Family Bank Bancassurance Intermediary distribution business, turning customer relationships, channels, data, partnerships and digital capabilities into a compelling insurance proposition.
• The role will own the commercial agenda while ensuring that growth is supported by strong governance, customer protection, regulatory compliance, operational discipline and high-quality service.
• The role is expected to build bancassurance as a strategic business platform—integrating insurance into relevant customer journeys, strengthening the Bank–insurer partner model, increasing product penetration and retention, and using data and analytics to identify timely protection needs. 
• The role is expected to lead, manage and grow the bancassurance business by developing and executing a commercially compelling, customer-centric and regulatory-compliant insurance distribution strategy; delivering sustainable revenue and profitability; building high-performing teams; managing strategic insurer relationships; developing relevant products and propositions; and integrating insurance seamlessly across branch, relationship-management, digital and other channels. 

Key Responsibilities: 

Strategy, Growth & Business Development 

• Develop and execute the overall bancassurance strategy and annual business plan in alignment with the Bank’s corporate strategy, customer strategy and financial targets. 
• Translate market, customer and portfolio insights into clear growth priorities by segment, product, channel and geography. 
• Build a balanced growth model across Life, General and Medical insurance, while identifying emerging protection and embedded-insurance opportunities. 
• Set clear sales, activation, conversion, retention, productivity and profitability targets and cascade them into accountable channel and team plans. 
• Identify new distribution opportunities across branches, relationship managers, digital banking, contact centres, partnerships, ecosystems and other relevant channels. 
• Develop strategic initiatives that increase insurance penetration and wallet share rather than relying only on transactional sales. 

Customer Proposition & Product Development 

• Lead the identification of customer protection needs and product gaps using customer segmentation, portfolio analysis, behavioral insights and market intelligence. 
• Work with product managers and insurer partners to develop simple, relevant and competitive propositions for all business segments. 
• Champion customer journeys that make insurance easier to discover, understand, purchase, renew and service. 
• Promote contextual and embedded insurance propositions where appropriate, for example, insurance 
• linked to lending, cards, payments, travel, assets, business activities and other customer life events. 
• Ensure product propositions clearly communicate benefits, exclusions, pricing, underwriting responsibilities and claims arrangements. 

P&L, Revenue & Performance Management 

• Own the bancassurance P&L and ensure delivery of agreed premium, commission, revenue, profitability and cost objectives. 
• Drive disciplined performance management through dashboards covering sales, premium collections, commissions, renewals, persistency, claims/service issues, channel productivity and profitability. 
• Monitor commission structures, partner economics, acquisition costs and product/channel profitability. 
• Prepare periodic performance reports and management insights for the Board and relevant FBBI and 
• Bank governance forums. 
• Use performance analytics to identify underperforming products, channels, customer segments and sales teams and implement corrective actions. 

Insurance Partner & Ecosystem Management 

• Own senior relationships with strategic insurance partners and ensure that partnership arrangements deliver agreed commercial, service and customer outcomes. 
• Establish robust governance of partner SLAs, binders, service standards, escalation mechanisms, reporting and performance reviews. 
• Lead partner negotiations, performance reviews and commercial discussions, within approved governance and delegated authority. 
• Build an ecosystem of insurers, technology providers and other relevant partners that can strengthen product breadth, customer experience and digital distribution. 
• Ensure reciprocal commercial opportunities are pursued responsibly, including opportunities that support the wider FBBI and Bank relationship. 
• Serve as a key point of engagement with the Insurance Regulatory Authority (IRA), Central Bank of 
• Kenya (CBK) and relevant industry bodies such as the Association of Kenya Insurers (AKI) on matters affecting the bancassurance business. 

Digital, Data & Analytics 

• Lead the evolution from predominantly assisted insurance sales toward integrated omnichannel and digital journeys. 
• Work with Technology, Digital, Data and Operations teams to integrate bancassurance systems with relevant Bank and sister companies’ platforms and workflows. 
• Use customer data and analytics to identify propensity, life-stage and event-based opportunities while respecting applicable privacy, consent and regulatory requirements. 
• Introduce practical performance analytics for lead generation, conversion, cross-sell, renewal, churn and customer value while utilizing the CRM system. 
• Champion automation, straight-through processing, digital documentation, real-time or simplified quotation and other interventions that reduce friction. 

Distribution & Sales Excellence 

• Design and maintain an effective bancassurance sales and distribution structure with clear roles, targets, incentives and accountability. 
• Build the capability of branch teams, relationship managers and other authorized staff to identify needs and appropriately refer or distribute insurance products. 
• Strengthen lead management, sales activation, conversion, pipeline management and renewal processes. 
• Establish sales routines and governance that balance commercial ambition with suitability, transparency and customer protection. 
• Drive consistent service turnaround times (TATs) and adherence to agreed SLAs across the insurance distribution lifecycle. 

Marketing, Brand & Customer Engagement 

• Develop and execute integrated marketing and retention campaigns aligned to business priorities, customer needs and partner requirements. 
• Increase product and brand visibility across all channels while maintaining consistent Bank, FBBI and insurer brand standards. 
• Use customer insights to personalize campaigns and improve campaign conversion, policy retention and product holding. 
• Ensure all customer-facing communication is accurate, transparent, approved and consistent with applicable regulatory requirements. 

Governance, Risk, Compliance & Controls 

• Ensure the bancassurance business operates within the Insurance Act, Insurance (Bancassurance) 
• Regulations, 2020, applicable regulatory guidance, Bank policies and approved partner agreements. 
• Maintain effective controls over KYC/AML, customer consent, documentation, premium collection and reconciliation, complaints, data confidentiality (in line with the Data Protection Act, 2019), product approvals and sales conduct. 
• Ensure customers are clearly informed of the insurer underwriting the product and the respective responsibilities of the insurer and intermediary. 
• Ensure only approved insurance products are distributed and that customer choice and fair treatment are protected. 
• Maintain effective complaints redress, incident management, audit readiness and regulatory reporting processes. 
• Ensure technical staff handling insurance matters have the required professional competence/certification. 
• Identify and proactively manage operational, conduct, reputational, regulatory, technology and partner risks. 
• Maintain business continuity and crisis-management readiness for the bancassurance business, including contingency arrangements with insurer partners for critical service disruptions. 
• Provide oversight of claims outcomes and customer experience at the claims stage, working with insurer partners to ensure timely, fair and transparent claims handling. 

People & Leadership 

• Lead, coach and develop a high-performing bancassurance team with strong commercial, technical, digital and customer-service capabilities. 
• Build succession and bench strength for critical roles. 
• Establish a performance culture based on customer value, ethical selling, accountability, innovation and delivery. 
• Partner with HR and relevant Bank leaders on capability development, incentives, recruitment and talent management. 

Operational Excellence 

• Strengthen end-to-end processes covering lead generation, quotation, application, underwriting handoff, policy issuance, premium collection, reconciliation, renewals, servicing and claims escalation. 
• Eliminate avoidable manual processes, bottlenecks and control weaknesses. 
• Monitor service TATs and partner performance and implement root-cause corrective actions. 
• Maintain accurate records and management information to support business decisions and regulatory requirements. 

Qualifications & Experience 

• Bachelor’s degree in business management, Insurance, Finance, Economics, Actuarial Science or a related discipline. 
• Registration with the Insurance Regulatory Authority (IRA) as Principal Officer for the bancassurance intermediary, or demonstrated eligibility to obtain such registration, is required. 
• Professional insurance qualification/certification or equivalent relevant professional qualification will be highly desirable. 
• A master’s degree in business or relevant field is an added advantage. 
• A minimum of 10 years overall experience in insurance, bancassurance, insurance distribution or a closely related financial services environment, including at least 5 years in a senior leadership role. 
• Demonstrable experience managing revenue targets, sales and operational teams of 15 or more as well as insurance P&L accountability. 
• Strong understanding of banking operations, risk management, controls, KYC/AML, customer protection and regulatory requirements. 
• Evidence of delivering measurable growth through multiple channels, partnerships, product development or digital transformation. 

Closing Date is 11th September 2026.