Careers at NCBA Group

Job Purpose Statement

Key Accountabilities (Duties and Responsibilities)

Financial (40%) 

• Support Co-ordination of annual budgets and strategic plans for the Global Markets Country businesses. 
• Involve in active monthly performance monitoring for Treasury – spot areas of underperformance for corrective action 
• Cost management and control oversight for the Treasury Regional Country teams. 
• Specific performance measurement/ reporting not covered by central MIS function. 
• Actively engage with relevant stakeholders to ensure measurement is continuously improved and maintained in line with the strategic intent of the Business unit 

Internal business processes (30%) 

• Responsible for understanding and assessing the changing needs of the business. To analyse the impacts of change, document and support communication between relevant groups and stakeholders, and capture requirements needed to initiate a change. 
• Preparation of daily, weekly and monthly MIS or as required – including ALCO, BCC, MANCO reports. 
• Co-ordination of Business Reviews and submission of action points/minutes. 
• Track departmental action plans and prepare reports 
• Follow up on new products applications and roll out. 
• Management of country Front Office systems, Market data and telecommunications requirements and management of projects to implement such change in these areas. 
• Management and ongoing enhancement review of appropriate controls in conjunction with the internal audit, operational risk and compliance. 
• Effectively and collaboratively identify, escalate and resolve risk and compliance matters. 
• Comply with requirements of all relevant risk management policies; the Bank’s Credit Policy, Central Bank of Kenya guidelines and appropriate provisions of the Banking Act in respect of Global Markets operations. 
• Engage with all audit report findings, relevant to the Global Markets business and ensure feedback is acted upon. 
• Manage Regulatory changes with respect to Global Markets. 
• Liaison with the Legal and Credit departments to clear obstacles for in-country dealing. 
• Management of Business process and procedure design and implementation. 
• Manage Global Markets process enhancement projects. 
• Ensure that all Global Markets processes are adhered to in line with the approved policies and procedures. 
• Perform thorough root cause analysis on operational risk framework. 
• Business Continuity planning and recovery process. 
• Implementation and adoption (within Branch, Department or Section) of all Compliance, Anti-Money Laundering and Sanctions related requirements contained in policies, procedures and processes.

Customer(20%)

• Co-ordinate the group’s health and safety activities 
• Management of new products applications and roll-out, including establishment of exchange memberships, issuance programmes, safe custody services and general dealing capabilities. 
• Identification of Mission Critical Controls and identification of appropriate KPIs and dashboards to monitor functioning thereof. 
• Implementation of Group infrastructure needs. 

Learning and growth  (10%)

• Adopt appropriate development programs to ensure continuous enhancement of competences of the members of the team, including self. 
• Attend all scheduled trainings and complete all e-learning modules. 

Job Specifications

Academic:  

• Graduate in Business Administration or Finance related degree. 

Professional: 

• Practice experience in use of MS Office applications 
• Project management training will be an added advantage 

Desired work experience:  

• At least 2 years general banking experience.

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Job Purpose Statement

The holder should be a credit professional responsible for ensuring that the Retail Division (which includes lending to the MSME Banking and Personal / Consumer Banking) and Credit Risk Management functions achieve the objectives of facilitating revenue generation through prudent business growth, quality loan approvals, improving the credit risk control environment, supporting innovation and product development plus the delivery of business enablers within Credit Risk.  The role holder should also build capacity and provide leadership.

Key Accountabilities (Duties and Responsibilities)

Financial  20%

• Oversee Retail Credit Risk Approval cost to budget targets and ensure they are maintained within approved budget through optimisation of retail credit deliverables
• Provide strategic direction to manage financial credit loss metrics related to provisions and portfolio quality
• Ensure the Retail Division is aligned to the Bank’s risk appetite - to minimise unnecessary loss that may arise due to imprudent lending.

Internal business processes   30%  

• Portfolio and data quality metrics of information on the Core Banking System
• Oversite of new innovations, digitization, automation through Credit Scoring development and business process improvement
• Credit risk oversight of product development within the Bank’s risk appetite.
• Provide leadership to ensure high compliance standards are met & Satisfactory Audit / Risk ratings 
• Satisfactory Regulatory inspection ratings
• Oversight of Retail Compliance and Governance benchmarks
• Providing day to day and long range oversight and strategic direction for the Retail Credit Risk function related to multiple product lines including Business Banking/SME lending, Asset finance, Leasing and Personal/Consumer lending 
• Oversee product development to ensure the products are inline to risk appetite also Policy Development & Review
• Oversight in creating, implementing and administering the Bank’s Credit Risk strategies, procedures, credit approvals, portfolio management and portfolio reporting (internal and external)
• Responsible for providing leadership to the Retail Credit Risk team, successful goal attainment within Retail credit and risk mitigation across Retail product lines and stakeholder departments to ensure safety and soundness while optimizing the profitability and sustainable growth.
• Oversight in Monitoring the Retail book portfolio to ensure we are within the Bank’s strategic intent through quality lending and monitoring. Ensuring the Retail business teams receive the necessary data timely to achieve this.
• Providing leadership to the Retail Credit Risk team to ensure efficient and timely credit service, resolving customer complaints and contributing towards achievement of the objectives of the department and the Bank.
• Ensuring that compliance objectives are met which includes audit and regulatory inspection outcomes as per annually defined targets
• Adopting and developing a network of strong partnerships with the Business and Business Support teams and other functions of the Bank.

Customer   30%  

• Oversight in Adherence to agreed SLA with the stakeholders
• Oversight in managing Customer satisfaction benchmarks

Learning and growth   20%  

• Provide leadership to ensure
• Employee Retention 
• Competence development 
• Performance Management
• Employee satisfaction benchmarks

Job Specifications

• Relevant undergraduate degree – preferably financial oriented.
• Appropriate Masters Level or Post Graduate Qualification preferably financial oriented – will be an added advantage.
• Relevant Professional qualifications in Banking, Accountancy, Credit / Risk management.
• Min 10 years of experience in Credit Risk Management, other relevant areas of practice - preferably within Banking sector, out of which 6 years should be at Management level.
• Exposure to Credit, Market and Operational Risk dimensions, Basel implementation, Credit Scoring, IFRS 9 / Expected Credit Losses implementations, ICAAP, amongst others.
• Econometric experience (e.g, competence in understanding key Macro Drivers of Credit Risk, Customer Behaviour and Lending Strategy).
• The ability to conduct complex credit and related risk analyses and provide senior management with business insights of Retail Business credit quality and behaviour trends, plus the overall portfolio performance.  
• Strong communication skills (written and oral) and the ability to articulate complex issues at an intuitive level to a non-risk audience.
• Ability to think creatively - to challenge the norm and drive through appropriate credit solutions – even in the face of adversity and challenges.

Job Dimensions

• Reporting Relationships: jobs that report to this position directly and indirectly
• Direct Reports - 4
• Indirect Reports - 9

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Job Purpose Statement

This position is responsible for designing, developing and implementing innovative RPA solutions that can enhance business productivity and maximize efficiency. It also involves understanding the business and its challenges, functionally outlining a solution to the identified use cases and then developing the required solutions.

Key Accountabilities (Duties and Responsibilities)

Financial 10%

•  Analyze business processes and workflows with the objective of finding out how they can be improved or automated to save on cost.
•  Manage cost cutting initiatives to adhere to the set Business process budget

Internal business processes 60%

•  Analyze new process automation candidates, quickly  assessing feasibility and accurately estimate development effort
• Configure new processes and objects using core workflow principles that are efficient, well structured, maintainable and easy to understand
•  Apply RPA workflow design best practices when developing or maintaining workflows
• Create and document test cases for negative scenarios, in order to document workflow behavior when certain systems malfunction, as well as performance scenarios, in order to stress test systems behavior
•  Review workflows developed by other RPA Developers to ensure compliance with internal control / security / audit requirements
•  Support the operational teams by staging and deploying automation solutions into test and production environments and providing post-production support.
•  Provide maintenance to production workflows by ensuring second level support for workflow incidents; investigate reported errors, agree on error severity and propose resolution
• For workflow support tasks, respect SLAs agreed with business for workflow downtime
• Report issues to third level support (RPA vendor) if incidents cannot be solved by the internal team; ensure development fix, unit testing and production deployment preparation
• Configure enhancements /change requests to already automated processes
•  Work directly with business teams to support various projects and solutions.
• Assisting in collecting and identifying functional requirements
•  Investigating and documenting better practices/alternative solutions that could be used in future development
• Design technical specification documents for RPA Projects
•  Utilize problem-solving skills to understand client pain points and troubleshoot as challenges arise.
•  Prepare and provide regular and accurate progress reports for tracking and decision-making.

Customer 20%

•  Build and maintain positive working relationships with all levels of staff.
•  Drive for the customer experience organization metrics to be achieved through the implementation of process efficiency initiatives

Learning and growth 10%

•  Be self-driven and directed, build own skill and effectiveness, presentation and stake holder management 
•  Take courses to improve relevant skills required to perform the role optimally

Job Specifications

Academic: 

• Bachelor’s degree from a recognized accredited university.

Professional:

• Basic knowledge of Machine Learning (ML) and Artificial Intelligence
•  Process modelling experience using MS Visio/any other tool
•  Mastery of automation tools such as Microsoft Power Automate, UiPath, Blue Prism
• Experience with Databases, such as SQL

Desired work experience:

•  Minimum 3 years of hands on development experience relevant professional experience in banking or financial services sector.