Careers at NCBA Group

Job Purpose Statement

• We are seeking a dynamic and results-driven Senior Portfolio Manager to join our Credit Risk Division. The role is central to safeguarding and enhancing the quality of the loan book across Corporate Banking, SME/Business Banking, and Consumer Banking. 
• The Senior Portfolio Manager will oversee portfolio performance, Credit Scoring, Model Validation & Advanced Analytics, IFRS 9 compliance, and strategic reporting, while driving innovation and process excellence. Working closely with senior leadership and business teams, the role ensures proactive risk management, alignment with regulatory and Group standards, and sustainable portfolio growth.
•  Shape Credit Risk Strategy - Oversee portfolio performance across Corporate, SME, and Consumer Banking segments. Provide insights on asset quality, sectoral exposures, and macroeconomic impacts to guide strategic decision-making. Minimize expected credit loss, portfolio at risk, and impaired assets through proactive management and forward-looking analysis. Leverage advanced data analytics and data engineering capabilities to identify portfolio trends, emerging risks, and opportunities for portfolio optimization.
• Drive IFRS 9 & ECL Oversight - Manage the end-to-end ECL process, including methodology design, review, and validation. Deliver clear impairment insights to senior leadership and the Board, ensuring transparency on impairment drivers. Provide variance and attribution analysis to explain changes in portfolio performance and their impact on profitability.
• Credit Scoring, Model Validation & Advanced Analytics - Oversee review, validation, monitoring and performance assessment of credit scoring models ensuring accuracy, robustness, and regulatory compliance. Develop and enhance analytical frameworks, automated monitoring tools, and management information dashboards to support proactive portfolio risk management and strategic decision-making.
• Governance, Compliance & Risk Assurance - Ensure compliance with CBK prudential requirements, IFRS standards, and internal policies. Maintain a robust risk control environment with high-quality portfolio data across core banking and credit systems. Lead responses to internal and external audits and regulatory inspections, ensuring successful outcomes. Regularly review and recommend updates to the Bank’s Credit Policy and assess the effectiveness of existing risk management procedures.
• Collaboration & Influence - Build and nurture strong partnerships with Business, Business Support, Finance, Data Management, and Collections & Recoveries to enable cohesive portfolio management. Balance business growth objectives with sound risk practices, while supporting recovery strategies to reduce NPL flows and optimize collections.
• Innovation & Process Improvement - Champion automation of portfolio monitoring and reporting processes to enhance efficiency and accuracy. Develop and implement digital dashboards and credit risk monitoring tools to provide real-time insights and track performance against expectations. Automate the generation of insights and measure their value to ensure continuous improvement in portfolio management.
• Leadership & Capacity Building - Serve as a subject-matter expert, mentor junior analysts, and promote a culture of continuous learning, accountability, and data-driven decision-making. Lead the preparation and presentation of analytical reports to senior stakeholders, ensuring complex credit risk insights are clearly communicated and actionable.

Job Specifications

Academic Qualifications:

• University degree (Upper Second Division or equivalent) in Finance, Business, Economics, Statistics or a related field.

Professional Qualifications:

• Relevant professional qualification in Banking, Accountancy, Credit Risk Management, or Financial Analysis (e.g., CFA, CPA, FRM).
• Additional certifications in data management, data analytics, or related IT programs are a plus.

Desired Work Experience:

• Minimum of 5 years’ experience in the banking sector, with at least 3 years in portfolio analysis or credit risk management roles.
• High level proficiency in IFRS 9 Modelling (at least 2 years’ experience)
• Demonstrated experience in financial analysis and credit portfolio management.
• Proven ability to develop collaborative relationships with key internal stakeholders to achieve objectives and prioritizations
• High proficiency in spreadsheet tools (e.g., Excel) and in presenting data effectively.

go to method of application »

Job Purpose Statement

The Specialist POS Engineer is responsible for the implementation, support, and continuous availability of POS systems, associated hardware, and related support applications, ensuring reliable, secure, and high-performing services for merchants and internal stakeholders. The role ensures that customer information is protected and that agreed service level agreements for system uptime and performance are consistently met and maintained. The role also supports the delivery of new POS-related initiatives and projects, ensuring seamless deployment, operational readiness, and alignment with security, compliance, and service standards.

Key Accountabilities (Duties and Responsibilities)

• Provide second- and third-level technical and application support for the card products family of systems and supporting environments. 
• Facilitate card application performance tuning, upgrades, procedure documentation, and overall system optimisation to ensure excellent user experience and customer service. 
• Resolve incidents causing service interruptions promptly and effectively, in line with defined SLAs. 
• Ensure 24-hour on-call support availability and provide remedial actions to meet service level commitments. 
• Collaborate with system vendors (e.g., Tieto, VISA, MasterCard, XIT, NCR) on escalations and system upgrades to comply with regulatory requirements. 
• Configure key systems to generate and maintain secure audit trails for sensitive database changes, ensuring IT governance and security. 
• Identify gaps in disaster recovery, work with IT Infrastructure and Core Systems teams to implement mitigation measures, and test and document DR procedures for card systems. 

Ideal Job Specifications

• Undergraduate degree in Computer Science /Information Technology - Minimum Upper 2nd Class honours.
• Three year's practical proven experience in installation, setup, support and troubleshooting of any POS Application across all layers. Preference given to Tieto, XInfotech and CyberSource. Experience in supporting core banking system, will also be an added advantage. 
• Proven experience in supporting banking channels
• Proven Experience in SQL Scripting
• Proven experience in systems analysis, design, implementation and support Working knowledge of Card Industry Security Standard – PCI-DSS
• Proven knowledge of banking operations, operations in business units and business impact analysis
• A good understanding of Operating systems; particularly Linux, UNIX and Microsoft Operating systems. 

Technical Competencies

• Technical understanding of Card Industry Standards and Operations including security standards e.g PCI/DSS
• Technical skills to effectively perform Card system, business systems activities/tasks in a manner that consistently produce high quality of service.
• Technical skills to effectively perform or guide performance of Application architectural design ensuring that all solutions developed and deployed are in line with the Enterprise Architecture standards 
• Knowledge and effective application of all relevant banking policies, processes, procedures and guidelines to consistently achieve required compliance standards or benchmarks. 
• Ensure that all the managed application platforms in use by the Bank keep pace with technological innovations and developments as a way of protecting investment in technology. Define, analyze, plan, measure and improve all aspects of the availability of Payment Systems; ensuring that the systems, are meeting the agreed availability targets