Careers at HF Group

Principle Accountabilities

Product Strategy & Discovery

• Lead market research and user discovery to identify product opportunities in mobile-led savings, TPS digital workflows, property marketplace commercialization, and CBS-platform integrations.
• Conduct feasibility assessments (technical, financial, regulatory, and commercial) to inform go/no-go decisions and product prioritization.
• Define and communicate product vision, strategy, and roadmaps aligned with organizational objectives and market needs.

Product Development & Delivery

• Partner with mobile operators (Safaricom, Airtel, Telkom) to co-create and launch digital savings products, ensuring seamless integration with HF Group's CBS and compliance with regulatory requirements.
• Drive the development and refinement of the Tenant Purchase Scheme (TPS) digital platform, including tenant onboarding, payment processing, document management, and end-to-end customer experience optimization.
• Lead the commercialization of HF Group's digital property marketplace, defining monetization models, vendor onboarding workflows, and user acquisition strategies.
• Manage integrations between the core banking system (CBS) and external platforms including Boma Yangu, eCitizen, CRM, and partner APIs — ensuring data integrity, system reliability, and scalability.
• Oversee the implementation of property management tools, rental collection automation, invoicing systems, office automation solutions, and knowledge management systems.

Product Growth & Optimization

• Monitor product performance through user adoption metrics, engagement analytics, transaction volumes, and revenue attribution — translating insights into product improvements and feature prioritization.
• Lead iterative product cycles informed by user feedback, A/B testing, and data analysis to continuously enhance user experience and commercial outcomes.
• Design and execute go-to-market strategies in collaboration with marketing, sales, and customer service teams to drive user acquisition, activation, and retention.

Stakeholder Management & Cross-Functional Collaboration

• Collaborate with internal teams (IT, Innovation, Marketing, Compliance, Finance, Customer Service, TPS Operations) and external partners (mobile operators, government entities, technology vendors) to ensure successful product delivery and adoption.
• Manage vendor and partner relationships, including contract negotiations, SLA management, and performance tracking to ensure quality service delivery.
• Serve as the primary product owner for digital initiatives, translating stakeholder requirements into clear product specifications and user stories for development teams.

Risk, Compliance & Security

• Ensure all digital products comply with regulatory requirements including CBK guidelines, data protection laws (Data Protection Act, 2019), and industry standards for financial services and housing finance.
• Proactively identify and mitigate product risks including security vulnerabilities, operational dependencies, and commercial viability concerns throughout the product lifecycle.
• Work closely with compliance, legal, and IT security teams to embed risk management and regulatory adherence into product design and delivery processes.

Key Competencies and Skills

Technical Competencies

• Product Lifecycle Management — from discovery through launch, growth, and maturity stages.
• Digital Platforms & Integrations — understanding of APIs, webhooks, CBS architectures, and system interoperability.
• Data Analytics & Product Metrics — proficiency with analytics tools (Google Analytics, Mixpanel, Tableau, Power BI) and ability to translate data into actionable product insights.
• Agile & Scrum Methodologies — hands-on experience working in agile environments, writing user stories, managing backlogs, and facilitating sprint planning.
• Commercial Acumen — ability to design monetization models, assess ROI, and balance user needs with business viability.
• Regulatory & Compliance Awareness — understanding of financial services regulation, data privacy laws, and security best practices.

Leadership Competencies

• Strategic Thinking & Vision — ability to connect product work to broader business strategy and articulate a compelling product vision.
• Stakeholder Management — skilled at building relationships, managing expectations, and influencing without direct authority across diverse internal and external stakeholders.
• Problem Solving & Decision Making — analytical and pragmatic approach to resolving ambiguity, prioritizing trade-offs, and making sound product decisions under uncertainty.
• Communication & Presentation — clear, persuasive communicator able to present complex ideas to technical and non-technical audiences at all organizational levels.
• User-Centric Mindset — deep empathy for users, commitment to understanding their needs, and passion for delivering exceptional user experiences.
• Collaboration & Influence — proven ability to work effectively across functions, build consensus, and drive alignment in matrixed environments.

Minimum Qualifications, Knowledge and Experience

Academic & Professional

• Bachelor's degree in Business, Economics, Computer Science, Engineering, Information Systems, or related field.
• Professional certification in Product Management (e.g., Certified Product Manager, Product Management Certificate) is strongly preferred.
• Certification or training in Agile/Scrum methodologies is an added advantage.

Experience

• Minimum 4–6 years in digital product management, fintech, proptech, or digital banking — with demonstrable experience launching and scaling digital products.
• Proven track record of managing partnerships with mobile operators, payment platforms, or technology vendors.
• Experience working with core banking systems, API integrations, and multi-platform ecosystems.
• Background in agile product development with cross-functional teams (engineering, design, business, compliance)
• Experience in housing finance, real estate technology, or financial services innovation is highly desirable.

go to method of application »

Principle Accountabilities

• Recruit, train, mentor and lead property advisors.
• Using market research, develop sales and marketing plans which should include but not limited to various purchaser personas, sales scripts, play books (FAQs) in collaboration with Sales Manager.
• In collaboration with the Agency & Partnerships unit, build the agency and branch business.
• Prospecting markets for deployment of sales and marketing activities in collaboration with the customer service and outreach unit .
• Lead teams in daily huddles using CRM dashboards, hold weekly 1:1 sessions and develop personalised growth plans with their direct reports. Foster a culture of accountability and continuous improvement.
• Drive and oversee performance and consequence management over their direct reports with targeted training and coaching, while recognising high performance.
• Oversee and ensure effective use of CRM system to track, manage, measure and optimize all customer interactions and data. Train team members on CRM best practices, ensuring accurate and timely data entry.
• Ensure KYC (Know your customer) details comply with Anti-Money Laundering Policy.
• Ensure satisfactory audit rating and net promoter score above 70%.
• Ensure compliance to HF Group code of conduct, policies and procedures.
• Traveling to various local and global locations as needed to conduct site visits, activations, events, networking etc.
• Work collaboratively with both internal and external stakeholders.
• Handling customer complaints, feedback and document them.
• Ensure business continuity, develop leave management calendar, and succession planning.
• Meet 40 hours training per year.

Key Competencies and Skills

• Proven work experience as a property advisor/ Team Leader
• Knowledge of CRM software and Microsoft Office Suite
• Solid customer service attitude with excellent negotiation skills
• Knowledge of KYC/AML compliance requirements
• Customer centric
• Astute product knowledge
• Commercial acumen
• Analytical skills
• Leadership competencies
• Performance Management
• Strategic agility
• Building talent and teams
• Result orientation (drive for results)
• Strong communication and team management skills
• Strength in problem solving, issue-resolution and ability to work in a deadline-driven work environment.

Minimum Qualifications, Knowledge and Experience

Academic & Professional

• Bachelor’s Degree in Sales and Marketing, Business Management or any relevant field.
• Membership in Estate Agents Registration Board will be a plus.

Experience

• A minimum of 4 years of experience in Real estate sales.
• Team leadership experience of not less than one year.
• Experience in the use of CRM management.

go to method of application »

Principle Accountabilities

Processes

Appraising borrower information to determine ability to service loan for purposes of adherence to the lending policy. This is done through various analysis templates depending on limits and nature of income of borrowers. (In i-apply). This includes but not limited to:

• Identify loan product requested by the customer and the requirements.
• Ensure the necessary KYC requirements have been adhered to, call backs on employment letters, statements etc. have been performed.
• Conduct thorough analysis of financial statements and assessment of credit requests, through preparing spreadsheets and models.
• Assess payment capacity
• Assess collateral adequacy.
• Review prevailing economic trends, and risk ratings, and applying the same in the appraisal process.
• Bring out policy exceptions and breaches, recommend adequate mitigants, and seek necessary approvals.
• Recommend, Approve, Refer or Decline requests for Credit Facilities in accordance with the Delegated Authority Mandate
• Ensure compliance with all credit policy guidelines
• Follow through with transactions to the end
• Training teams one on one to reduce on back and forth
• Develop various templates to guide the credit process
• Handle audit queries emanating from the credit process
• Monitor turnaround time on requests

Strategy

• Setting card underwriting requirements
• Reviewing acquisition, behaviour and fraud scorecards
• Managing credit line increases/decreases
• Monitoring delinquency trends (roll rates, flow rates)
• Approving scorecard-based lending limits
• Portfolio segmentation and credit card risk analytics
• Working with collections on early-stage past-due accounts
• Working closely with fraud teams to prevent card fraud
• Understanding transaction monitoring and fraud patterns
• Supporting the cards product team on new card launches
• Limit assignment, and risk-based pricing models
• Ensuring compliance with card-specific CBK guidelines
• Managing credit card portfolio audits

Financial

• Supporting the RO/RM’s to achieve set income targets (Interest income and Non-interest income)
• Ensure the correct charges are applied
• Ensure all excesses are fully provided
• Manage office costs within reasonable levels
• Cross sell bank products
• Push on products that deliver quick income

People Management

• Provide the interface between business and credit.
• Give quality feedback to the business teams on the quality of applications and the areas of improvement.
• Support the business teams in serving their customers in a timely manner customer by giving prompt feedback
• Give business reports on loans processed and declined to help in decision-making.
• Supporting branches in packaging credit proposals to ensure clarity for faster approval and adoption.

Key Competencies and Skills

• Corporate Competence: Working knowledge of the Bank’s products, the Bank’s Credit policy and CBK Prudential Guidelines.
• Financial analysis Skills: Ability to analyze and/or interpret financial statements, and advice accordingly.
• Analytical business and investment appraisal Skills: Keen to 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 various sectors of the economy and the investment opportunities
• 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 demonstrates integrity in work and business contacts.
• Communication Skills: Excellent written and verbal communication skills and presentation skills.
• Interpersonal Skills: Must be a people’s person, with ability to interact with key contacts in finance sector.
• Proactive Initiator: Must be pro-active, a self-starter and have the ability to see, grasp and advice on opportunities.

Minimum Qualifications, Knowledge and Experience

• University Degree in a business-related field i.e. Economics, Commerce, Business Administration.
• Professional Qualifications: Credit Management, Accounting (CPA K) or Banking Qualification (AKIB)
• Minimum of 4 years’ experience in banking and financial analysis 2 of which must be credit department or credit related area.

go to method of application »

Principle Accountabilities

Financial

• Negotiating with clients and coming up with suitable exit strategies for delinquent Credit Cards within assigned portfolio.
• Recommending delinquent Credit Cards to be placed on lock-up (classified/downgraded) and those to be exempted.
• Telephonic Collections: Conduct high-volume outbound calling and obtaining PTPs.
• Proactively identify delinquent cards; use analytics dashboards to flag suspicious cards, analyse utilization trends, behaviour scoring, and segmentation; recommend collection strategy improvements.
• Management, collection and recovery of outstanding amounts under assigned portfolio of past due accounts with a view of roll rate control, over limit regularization, charge off prevention, and minimum due default reduction.
• Achieve monthly recovery targets; review early arrears accounts and recommend action plans; implement action plans and monitor performance;
• Reduce provisions and prevent NPL attrition on the Credit Card Portfolio.
• Ensuring effective customer communication through calls, emails, issuance of demand letters and notices etc.

Internal Business Process

• Manage card scheme relationships (Visa, Mastercard) including compliance, incentives, and strategic initiatives.
• Work closely with technology and operations teams to deliver product enhancements and system improvements
• Support audits, regulatory reviews, and scheme compliance activities
• Collation and submission of quality data/reports in a timely manner or as may be required from time to time.
• Meeting regulatory compliance requirements and consistency in adherence to and effective application of established policies, processes, procedures and tools in achieving optimal efficiency and cost effectiveness.
• Optimal utilization of available technology e.g. collection system etc.
• Accurate asset classification in the system
• Audit ratings - Satisfactory
• CBK Inspection ratings - Satisfactory

Customer & Process Control

• Provide customers with account information; conduct customer call visits; handle and escalate fraud indicators, disputes, and suspicious activity; ensure accurate CPR reporting; maintain complete documentation; ensure compliance with card scheme rules and CBK guidelines.
• Improve customer experience through faster turnaround times, and effective servicing.
• Analyze customer behavior and insights to optimize offers and promotions
• Quality of credit service standards and maintenance of TAT as per policy
• Clear Communication and excellent relationship management in handling assigned portfolio of delinquent accounts.

People & Culture

• Champion continuous learning and adoption of best practices in cards and payments.
• Uphold HFC values
• Self-development- participate in team learning and knowledge sharing.
• Performance Management

Key Competencies and Skills

• Solid understanding of credit card products, knowledge of credit card lifecycle
• Understanding of CBK Prudential Guidelines and card-specific regulations.
• Ability to analyse utilization, repayment behavior, roll rates, segmentation.
• Fraud indicator identification and dispute handling.
• Proficiency with CMS, collections systems, dialers, CRM systems and Microsoft Office Suite.
• Strong negotiation skills and customer service attitude.
• Knowledge of KYC/AML compliance requirements.
• Portfolio monitoring and evaluation skills.
• Analytical skills and commercial acumen.
• Ability to evaluate credit risk and recommend repayment plans.
• Ability to use analytics dashboards for risk detection.
• Streetwise knowledge in handling diverse customer situations.
• Resilience and ability to work under pressure.
• Emotional intelligence and conflict-resolution skills.
• Strong communication and interpersonal skills.
• Time management and prioritization.
• Integrity, confidentiality, and ethical behavior.
• Teamwork, adaptability, and proactive problem solving.

Minimum Qualifications, Knowledge and Experience

• Bachelor's degree in Finance, Business, or a related field preferred.
• 3 years’ experience, two of which should be in credit / lending in a debt management / collection functions or Card Operations.
• Experience with card management systems (CMS), Knowledge of Visa/Mastercard scheme rules and ability to extract and interpret delinquency and behavioural reports.

go to method of application »

Principle Accountabilities

• Create systematic and consistent lead generation from project marketing efforts, cold calling, referrals, lead generation services and other forms of media. All engagements to be on the CRM.
• Ensure that all client engagements from prospecting to closure are on the CRM.
• Conduct surveys to identify price of competing properties on the real estate market and relay the same to their supervisor
• Provide periodic (daily, weekly and monthly) sales reports (client pipeline) to company management on sales operations and generated returns using CRM systems
• Build and maintain relationships with clients by providing support, information and guidance through the entire customer journey.
• Participate in the promotion of property sales on organized events such as expos, site activations, mall activations among others.
• Follow up and ensure the preparation and approval of documents such as application/booking forms, offer letters, sale agreements and transfer documents
• Ensure compliance with real estate laws and policies when conducting property sales. Act with high levels of professionalism in all client engagements
• Participate in internal and external trainings
• Support both internal and external sales agents
• Coordinate documentation with the legal liaison internally and, if necessary, engage the external lawyers on the legal documentation
• Support the handover of the plot on site to the buyers
• Carry out other related tasks as might be required from time to time.

Key Competencies and Skills

• Excellent communication, influencing and negotiating skills
• Good organization and administrative skills
• High integrity
• A strong team player
• Ability to perform with minimal supervision
• Ability to adopt a flexible approach to meet targets and the needs of the business
• Strong coordination and follow-through
• Customer-centric and responsive to client needs.

Minimum Qualifications, Knowledge and Experience

Academic & Professional

• Bachelor’s Degree or Diploma in Business Administration, Marketing, or related field
• A competent user of the Internet, Microsoft Outlook, Microsoft Word, Microsoft PowerPoint and Microsoft Excel
• Experience in using customer relationship management tools
• Must be ready to commence work immediately.
• Estate Agents Registration Board (EARB) certification is an added advantage.

Experience

• Minimum 2 years of experience in real estate sales
• Prior experience with an insurance company or a bank is preferred