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  • Posted: May 13, 2024
    Deadline: May 27, 2024
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    SBM Bank Kenya is a leading and trusted financial institution with an international footprint, headquartered in Mauritius and positioned to offer an unprecedented banking experience in Kenya to niche Retail, SME and corporate clients. Following approval by the Central Bank of Kenya, the bank started its operations in Kenya in May 2017 and currently h...
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    Branch Manager

    JOB SUMMARY: 

    The overall responsibility for the Branch Manager is to oversee business development and operations of the Branch while ensuring staff engagement, customer satisfaction, profitability and growth in line with the Bank's strategy.

    KEY RESPONSIBILITIES:

    Business Acquisition - 60%

    • To implement the Bank's business development strategy at branch level including growth in customer base with concurrent growth in branch liabilities, assets, products per customer.
    • To formulate and implement branch business plans, forecasts, pipelines and budgets and ensure their control and periodic reviews.
    • To support marketing initiatives, monitor and provide regular feedback on products performance and ensure branch staff are well versed with all the banks products.
    • To maintain and submit the Branch Manager - Sales Activity Report on a regular basis as per the agreed SLAs.

    Service Delivery - 10%

    • To oversee customer service delivery, maintenance and improvement of service standards in order to ensure customer satisfaction and retention through effective use of tools provided such as the Customer Relationship Management platform.
    • To implement and monitor the operational and business risks management guidelines for the branch to maximize profitability.
    • To maintain the look, feel and physical security of the branch premises for the  benefit of staff and customers.
    • To adopt and take responsibility for the daily operational routines as stipulated by the Branch Manager Daily Routine Guidelines (BM-DRG) without fail.

    People Management - 20%

    • To provide leadership, direction to the branch team.
    • To build, develop and motivate a high performing team through performance coaching and use of the available performance management and talent management tools provided by T & OD.
    • To identify training gaps and recommend on required training interventions.
    • To propagate and uphold the SBM Culture and cascade the SBM Vision, Mission, Strategy, Values, 9 Habits and Core competencies to the branch team.

    Compliance - 10%

    • To ensure compliance with both internal and external regulatory requirements.
    • To work closely with risk and compliance units to ensure effective controls to mitigate against operational and business risks.
    • To ensure implementation and compliance with operational policies and procedures.

    KEY RELATIONSHIPS:
    Direct Reports to this Position:

    • Service Delivery Manager
    • Relationship Managers and Officers

    Customers of this Position:

    • All Branch clientele

    Knowledge; Skills and Experience required for this Role:

    • Be a holder of Bachelors degree in Business related field.
    • Professional banking qualifications such as AKIB will be added advantage.
    • Knowledge of operational policies, procedures and legalities relevant to branch operations.
    • At least 5 years' managerial experience in the banking industry.

    Competencies required for this Role:

    •  Entrepreneurial and Commercial Thinking
    • Leading and Supervising
    • Relating and Networking
    • Persuading and Influencing
    • Presenting and Communicating Information
    • Delivering Results and Meeting Customer Expectations
    • Deciding and Initiating Action
    • Planning and Organizing

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    Senior Officer, Information Security

    JOB SUMMARY:

    Senior Officer, Information Security (Endpoint Security) is responsible for safeguarding the organization's devices, data, and network by deploying, monitoring, and maintaining endpoint security solutions. This role involves analysing security logs for threats, investigating and responding to security incidents, collaborating with the security team, and staying current on evolving cyber threats to ensure a comprehensive defence against cyberattacks.

    KEY RESPONSIBILITIES: 

    Financial - 10%

    • Prevent malware and phishing attacks that aim to steal financial data or trick users into fraudulent actions.

    Consumer - 10%

    • Assisting internal users with security-related queries, concerns, and issues related to endpoints.
    • Troubleshooting and resolve endpoint security incidents to ensure minimal disruption to business operations.

    Operational - 70%

    • Deploy, configure, and manage endpoint security software across all company devices (desktops, laptops, mobile devices).
    • Analyze security logs and events to identify potential security threats and vulnerabilities.
    • Investigate and respond to security incidents, including malware infections, phishing attempts, and unauthorized access attempts.
    • Maintain and update endpoint security policies and procedures.
    • Collaborate with the IT Security team to ensure a comprehensive security posture.
    • Stay up-to-date on the latest cyber threats and vulnerabilities.
    • Generate reports and communicate security metrics  to relevant stakeholders.

    Other - 10%

    • Any other duty assigned by the line manager

    KEY RELATIONSHIPS:

    Direct Reports to this Role

    • N/A.

    Customers of this Position

    • Information Technology team
    • All Staff
    • Auditors

    Knowledge, Skills and Experience required for this Role

    Minimum:

    • A degree in STEM or related field

    At least one:

    • CISSP, CEH, CompTIA Security+, CompTIA Linux+, OSCP, CPENT, RHCE, RHCA, etc

    Experience:

    • At least two (2) years’ experience in IT Security performing similar role, or
    • At least four (4) years’ experience in Systems Administration (Windows and Linux)

    Competencies required for this Role:

    • Endpoint Security Expertise
    • Threat Intelligence Analysis
    • Incident Response
    • Vulnerability Management
    • Security Monitoring and Analysis
    • Analytical and Problem-Solving skills

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    Human Resources Intern - 2 Posts

    JOB SUMMARY:

    Reporting to the Head of Talent & Organization Development or any other delegated supervision within HR Shared Services, Governance & Reporting, and HR Business Partner sections the job holder’s main role is to provide. administrative support to the HR department.

    KEY RESPONSIBILITIES:

    Governance & Reporting Administration

    • Organize and file employee documents on the HRIS and physical files as guided.
    • Support with update and maintenance of employee records on the HRIS as guided including employment details, dependents and contact information to ensure accuracy of records/HR database.
    • Collate and track relevant employee documents using provided templates and worksheets to ensure compliance.
    • Prepare communication as guided and provide timely feedback to employees on different matters including but not limited to loans, pension, medical etc. 
    • Follow up to ensure all new joiners submit the required employment details and documents for smooth onboarding and running of HR processes.
    • Deliver critical documents to the respective recipients to ensure timely feedback is received and efficiency in closing matters.
    • Respond to employee enquiries regarding HR policies, employee benefits, and other HR-related matters with guidance from the relevant HR leads.
    • Receive and direct calls within the HR department while gathering messages and directing them to the relevant persons to ensure employee issues are resolved in a timely manner.

    Talent & Organizational Development 

    • Track and collate training needs across the business with the guidance of T&OD lead to ensure accuracy of learning interventions deployed.
    • Maintain training records for the bank to ensure timely and accurate reporting.
    • Monitor training delivery in an efficient manner that ensures quality outcomes and value for money in accordance with the laid-out objectives.
    • Support in the preparation of training evaluation reports and implementation of continuous improvement interventions to obtain. return on investment. Provide support for the development of in-house training modules, train the trainer and delivery of training where necessary while sharing and updating the in-house training guidelines with the relevant persons.
    • Champion compliance with the DIT regulations, including the payment of levies and claiming of due reimbursements for training undertaken.
    • Promote the usage of the bank’s performance management tools including P&DP (Performance & Development Plan), 360 Degree Assessment form etc. by supporting training on the same and sharing the correct documents for consistency.
    • Collate and prepare performance appraisal submission reports as per the set timelines. 
    • Maintain a repository of employee P&DPs on the bank’s KBZ folder to support the quality checking process and any other process where such document may be required. 
    • Share performance appraisal submission reports with the HRBPs to enable them to track and follow up with business for closure within performance cycle timelines. 
    • Assist with the planning of induction for all new joiners in the bank for a smooth transition into their role. 
    • Monitor and maintain a record of induction programs in the Bank to ensure all new joiners go through a formal induction.
    • Obtain and use feedback from induction programs through surveys and interactions with inductees to develop continuous improvement interventions for the bank.
    • Support with the talent management processes including talent segmentation, launch of talent councils, succession planning, identification and development of HIPOs and roll out of relevant development programs.
    • Assist with coordination and the implementation of retention programs for high performing employees in accordance with the Talent Management Policy. 
    • Assist in job analysis and maintain a repository of all job descriptions within the bank which will be used and updated when need be to ensure consistency. Support with the preparation of organization communication in Word, Excel and PowerPoint documents as required.

    Shared Services 

    • Support the candidate screening process by reviewing potential employees' resumes and application forms to identify suitable candidates to be shortlisted and go through the interview process.
    • Organize, schedule and confirm interviews with shortlisted candidates as per the HR SLAs.
    • Post job advertisements to job boards, bank’s careers page and social media platforms as guided within agreed timelines.
    • Participate in organizing bank events and initiatives as guided.
    • Prepare and send offer and rejection letters or emails to candidates as guided.
    • Track progress, deadlines, and priorities of all projects that require employees to furnish their information.

    Other Duties 

    • Any other duties within reasonable scope of the job assigned by the line manager.

    KEY RELATIONSHIPS:

    Direct Reports to this Position

    • N/A

    Customers of this Position

    • All Departments in the Bank

    Knowledge: Skills and Experience required for this Role

    • Bachelor's degree in human resource management, social sciences or any other business related field.
    • Experience working in a fast paced, demanding office environment is an added advantage.
    • Knowledge of labor laws.
    • Familiarity with an HRIS (Human Resources Information System) software is an added advantage.
    • Proficiency in all Microsoft Office applications and or G-Suite
    • The ability to work effectively within a team.
    • Excellent administrative and organizational skills.
    • Great attention to detail

    Competencies required for this Role

    • Planning and organizing
    • Analyzing
    • Problem solving
    • Presenting and communicating
    • Relating and networking 
    • Adhering to rules and regulations
    • Confidentiality and Integrity

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    Head of Elite and Diaspora Banking

    JOB SUMMARY:

    To provide leadership in developing new markets, strategies & growing the Assets, Liabilities, & Customer base for the entire bank’s Elite and Diaspora banking segment through Central Office and Branches to enable the bank to be a Top Leader in this market niche.

    KEY RESPONSIBILITIES:

    Acquisition: Business Development -60%

    • Define and manage the bank’s strategy to tap into new business and grow revenues in HNWI segment.
    • Develop the unit structure and resources to drive the business and meet the set targets.
    • Develop and manage the implementation of the Elite, Diaspora, and Wealth Management Business Plan to make an impact in the banking sector.
    • Grow the Consumer Banking balance sheet with growth in Liabilities, Assets and NFI for the HNWI and Diaspora customers.
    • Manage brand equity to grow SBM Kenya Limited market share for the global deposits from the diaspora remittance inflows.
    • Manage product design & development targeted to the segment market to ensure they are competitive internationally.
    • Prepare and execute sales campaigns in the international diaspora markets.
    • Focus on increasing the client wallet share by developing and maintaining growing relationships with all existing and potential clients.
    • Monitor the growth of the business as well as profitability per customer for the High-Net-worth Individuals (HNWI) segment as a whole and individual team contribution.
    • Leverage stakeholder relations with Embassies, Government agencies, Ministry of foreign affairs, international Agents to drive customer recruitment and build strategic partnerships.
    • Carry out global market intelligence and champion SBM - K competitive positioning for products and services.
    • Design channels of customer communication specific to diaspora including but not limited to websites/ social networks etc.
    • Manage Unit Portfolio at Risk (PAR) at the determined levels in alignment to migration and provisions to ensure they are reduced within Banks acceptable parameters.
    • Review and alignment operational processes to offer a differentiated customer service for customers for all requests.
    • Manage and build the banks Elite banking brand equity in the market.
    • Develop Policy standards for customer profiling within the High-Net-Worth Individual segment to guide branches on customer target.
    • Manage own unit Customer Effort to Serve and Net Promoter Score within acceptable Bank standards.

    People Management - 25%

    • Providing coaching, training needs and mentorship aimed at building the team’s knowledge and expertise as well as ability to manage customer expectations within own portfolio.
    • Recruitment and Retention of Talent within the team.
    • Manage the succession planning and capacity building within own team.
    • Manage the unit leave liability within acceptable standards.

    Compliance - 15%

    • Ensure compliance with both internal and external regulatory requirements.
    • Working closely with risk and compliance units to ensure effective controls to mitigate against business emerging risks.
    • Developing and continuously reviewing business operational policies and procedures ensuring their compliance.
    • Develop & review operations and risk policies to guide the bank in management of the diaspora customers.

    KEY RELATIONSHIPS:

    Direct Reports to this Position

    • Senior Relationship Managers
    • Relationship Managers
    • Assistant Relationship Managers
    • Relationship Officers

    Customers of this Position

    • All Executive Management
    • All Directors and Heads
    • All Bank Customers 

    KEY QUALIFICATIONS & COMPETENCIES:

    Knowledge: Skills and Experience required for this Role

    Job Knowledge

    • 10 years in Business Development and relationship management.
    • Knowledge of the Kenyan Market and the Financial Industry.
    • Excellent selling skills and market knowledge with an in-depth understanding of the HNWI and Diaspora segment.
    • Good Credit knowledge.

    Job Experience:

    • Proven experience of at least 10 years in a similar position
    • Understanding of the various International Communities and markets.
    • Excellent knowledge of Information gathering and analytical skills.
    • Problem solving and excellent customer complaint resolution skills.

    Education:

    • Business graduate from an accredited University preferably with a major in Finance, Marketing or Economics or equivalent.

    Competencies Required for this Role

    • Emotional Intelligence: Dynamic, individual with the ability to work under pressure.
    • Excellent communication and interpersonal skills.
    • Strong networking skills, for both internal and external networks.
    • Excellent Relationship Management skills.
    • Strategic minded individual with excellent leadership, organizational, and planning skills.
    • Commercial awareness and customer focus.
    • Excellent knowledge on customer profiling and ability to handle sensitive clients from the Niche Market

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    Officer, Documentation & Letters of Offer

    JOB SUMMARY:

    The Job Holder is responsible for the preparation of Loan facility Contract documents – The Letter of Offer and ensuring that all terms and conditions are accurately, captured on the Letter of Offer as per the approval prior to execution.

    KEY RESPONSIBILITIES:

    • Obtain notifications of Approvals by checking Credit Quest for Approvals granted for lower limit approvals;
    • Obtain notifications of approvals from the Credit Approvals team for Management and Board Credit Committee’s approvals
    • Confirm that the approvals are authentic and have been granted within the approved delegated authority limits;
    • Read through the approvals to understand the context before embarking on the preparation of the letters of offer to clients
    • Have the letters of offer signed by Bank signatories and prepare supporting documents;
    • Liaise with the branches and Relationship Managers for any pending issues or clarifications
    • Dispatch hard copies of the Letters of Offer to the various branches and Relationship Managers
    • Transmit via email the supporting documents for the Letters of offer
    • Maintain a database of the letters of offer issued
    • Updating the Letters of offer register on return of the Letters from Branches and relationship managers

    KEY RELATIONSHIPS: 

    Key Customers to this Position

    • SBM Branches 
    • All Bank Departments

    KEY QUALIFICATIONS AND COMPETENCIES:

    • Bachelor’s degree in Business, Social Sciences or a related field from a recognized university is a requirement.
    • Minimum of 2 years’ experience in Credit operations, within the credit risk section of a medium to large sized bank.
    • Knowledge of Bank/Customer relationship and the nature of contracts between different categories of persons;
    • A good appreciation and interpretation of Commercial contracts
    • Report writing skills and experience.
    • Strong analytical and problem solving skills.

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    Legal Intern

    JOB SUMMARY:

    The intern shall assist in ensuring the effective and efficient management of potential and ongoing litigations by and against the bank, the provision of sound legal advisory and the management of related legal risks.

    KEY RESPONSIBILITIES:

    Dispute Resolution and Management - 40%

    • Dispute resolution, managing potential claims, managing litigation against the Bank, initiating litigation on behalf of the Bank,    pursuing alternative dispute resolution mechanisms,   managing all dispute resolution files and coordinating with external counsel on resolutions of claims.

    General Legal Advisory and Legal Risk Management - 50%

    • Receiving files from Credit team in relation to perfection of securities.
    • Receiving contracts from User departments for review and execution purposes
    • Tracking of securities on Credit Quest and following up with Collateral Unit on issuance of Credit Quest approvals.
    • Keep track of all matters being handled by external lawyers in relation to perfection of securities and litigation matters.
    • Handling correspondence with branches and user departments on matters relating to contracts, securities, court cases and Discharges.
    • Maintain proper records and filing of letters and documents relating to securities, discharges, court cases and contracts.
    • Draft emails and forwarding letters as demanded by the nature of the job.
    • Facilitate execution of Bank Undertakings, Security documents, Contracts and Discharges by the Bank Attorneys.
    • Carry out all other instructions issued by the Manager-Conveyancing and Contracts/Litigation
    • Analyzing, identifying and advising on legal risks and implications on business.
    • Ensuring that customer KYC processes and account transactional legal issues (searches on institutions, advisory on account opening KYC processes and documents, etc.) have been well undertaken.
    • Advising and liaising with other departments on general legal matters.
    • Updating departments on major legal reforms affecting the usual banking business.
    • To assist in reviewing of contracts
    • To assist in the filing of securities and forwarding to the Credit Administration Department
    • General Filing

    Lease Management - Preparation, review and management of the Bank’s leases in collaboration with the Administration and Facilities Department, drafting of Leases and licenses, review of Leases and licenses, ensuring proper execution of the leases and licenses and conducting legal due diligence on lessors and licensors.

    KEY RELATIONSHIPS:

    Direct Reports to this Position

    • N/A

    Customers of this Position

    • Branches and other departments 
    • External Advocates

    KEY QUALIFICATIONS AND COMPETENCIES:

    Knowledge; Skills and Experience required for this Role

    Job Knowledge

    • Should have an in depth understanding of the court process
    • Should have knowledge of commercial and conveyancing practice
    • Should have knowledge and be able to conduct out alternative dispute resolution mechanisms
    • In depth knowledge of the regulatory legislations affecting financial institutions

    Job Experience:

    • At least one year experience in a busy commercial and litigation oriented law firm or a financial institution.
    • Proven track record of providing accurate and effective legal counsel.
    • Demonstrate success in managing and conducting a variety of litigation matters
    • Demonstrate success in managing and conducting a variety of commercial transaction matters including review of contracts

    Education Qualification:

    • Post graduate Diploma from the Kenya school of Law is an advantage
    • Bachelor of Laws from an accredited university recognised in Kenya
    • Should possess great Ms - Word and IT skills

    Competencies required for this Role

    • Excellent communication (Oral and written) and excellent presentation skills.
    • Excellent presentation and analytical skills.
    • Ability to work with speed, accuracy and attentive to detail
    • Team player
    • Strong planning and organization

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    Senior Officer, Conveyancing & Contracts

    JOB SUMMARY:

    The overall responsibility of this role is to ensure that the securitization process is well carried out to avoid exposing the Bank to any risk. It also entails carrying out review/drafting of contracts that the Bank enters into with third parties.

    KEY RESPONSIBILITIES:

    Strategy - 20%

    • Protecting the Bank’s contractual interests against third parties by ensuring proper review of contracts that the Bank enters into.
    • Being proactive in ensuring all securities are well drafted and perfected while ensuring that TAT guidelines are adhered to.

    Operations - 40%

    In liaison with the Manager, Conveyancing & Contracts:

    • Provide information to the Credit team on legal issues pertaining to documentation of securities and conveyancing activities.
    • Offer day to day legal advice to Business and Credit functions.
    • Receive and carry out instructions from Credit team in relation to perfection of securities.
    • Engage external lawyers on the securitization process ensuring security documents have been perfected within agreed TAT.
    • Keep track of all matters being handled by external lawyers in relation to perfection of securities.
    • Correspondence with clients and other parties on matters relating to security perfection.
    • Drafting and review of property transfer documents where the Bank realizes a security.
    • Advise and liaise with debt recovery team in security realization process.
    • Vet undertakings received in relation to takeover of facilities secured by movable property.
    • Draft terms of undertaking acceptable by the bank ensuring the bank’s interest are protected.
    • Draft undertakings to be executed by the bank ensuring the bank’s interests are protected.
    • Vet and review security documents for completeness prior to draw-down of facilities.
    • Monitoring changes in laws to ensure the bank is up to date and complies with those changes.
    • Review of contracts that the Bank enters into with other parties and advise on necessary amendments before contracts are executed.
    • Maintain proper records and filing of letters and documents touching on the securities and contracts.
    • Draft emails and letters as demanded by the nature of the job.
    • Carry out all other instructions issued by the Manager-Conveyancing and Contracts

    People Management - 10%

    • Maintain good teamwork and respect for all staff within and without the Department.
    • Provide appropriate on-the-job training to staff reporting to me.
    • Ensure timely and appropriate performance review by line manager.
    • Ensure to attend and complete assigned online trainings.

    Compliance - 20%

    • Laws and regulations governing the industry.
    • Legal Policy Manuals.
    • Banks Anti-Money Laundering Policies and Procedures.
    • Other internal and external regulatory requirements.
    • Ensure compliance to SLAs.

    KEY RELATIONSHIPS:

    Customers of this Position

    • All Departments in the Bank.

    KEY QUALIFICATIONS AND COMPETENCIES:

    Knowledge: Skills and Experience required for this Role

    Job Knowledge

    • Should have an in depth understanding of the court process.
    • Should have knowledge of commercial and conveyancing practice.
    • Should have knowledge and be able to conduct out alternative dispute resolution mechanisms.
    • In depth knowledge of the regulatory legislations affecting financial institutions

    Job Experience:

    • At least one year experience in a busy commercial and litigation-oriented law firm or a financial institution.
    • Proven track record of providing accurate and effective legal counsel.
    • Demonstrate success in managing and conducting a variety of litigation matters.
    • Demonstrate success in managing and conducting a variety of commercial transaction matters including review of contracts.

    Education Qualification:

    • Post graduate Diploma from the Kenya school of Law is an advantage.
    • Bachelor of Laws from an accredited university recognized in Kenya.

    Competencies Required for this Role

    • Attention to detail and ability to prioritize tasks.
    • Commercial awareness and conveyancing expertise.
    • Good interpersonal skills with ability to work effectively in a team.
    • Excellent analytical, problem identification and problem solving skills.
    • Excellent communication skills, both oral and written.

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    Officer, Accountant - GL Controls

    JOB SUMMARY:

    Responsible for SBM Bank general ledger monitoring, Nostro and Vostro reconciliations and proposing corrective journals. Always proposing improvement measures to enhance internal controls.

    KEY RESPONSIBILITIES:

    Internal Controls - 70%

    • Monitor and reconcile general ledger balances to ascertain the balances are accurate, complete, and reliable to generate financial statements.
    • Review of nostros balances both due from and due to for accuracy and completeness. 
    • Perform health checks on all general ledgers to ensure balances are in line with the purpose of the ledger.
    • Review and coordinate all requests to open new general ledgers and updating Chart of accounts.
    • Prepare journal entries for end of period closure to ensure accounting entries are posted to the period they belong.
    • Analyze Stock levels and advise stakeholders promptly on stock index.
    • Implement both external and internal audit recommendations.
    • Continuous review of the current processes and procedures and identify gaps, recommend changes for implementation.

    Revenue - 20%

    • Analyze all revenue channels of the bank to detect any income leakages and ensure 100% income recovery.
    • Implement control routines for all revenue affecting activities including discounts, rate adjustments, waivers, and concessions.

    Customer Management - 10%

    • Ensuring that both internal and external customer are attended to within reasonable time.
    • Play an advisory role on matters pertaining to Internal controls and revenue assurance by engaging and influencing all stakeholders impacted by these processes.

    KEY RELATIONSHIPS:

    Direct Reports to this Position

    •  None

    Customers to this Position

    •  Branches and other Departments
    • Internal and External auditors

    KEY COMPETENCEIS AND QUALIFICATIONS:

    Knowledge: Skills and Experience required for this Role

    • Bachelor’s degree in a business-related course from a recognized University.
    • Professional qualification in CPA/ ACCA
    • Minimum 2 years banking experience
    • Demonstrated understanding of the bank’s policies and procedures
    • Ability to prioritize and manage time efficiently.

    Competencies required for this Role

    • Ability to work independently and make sound decisions. 
    • Adhering to principles and values
    • Excellent Analytical skills
    • Delivering Results and Meeting Customer Expectation Good communication skills

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    Workplace Banking - Intern

    JOB SUMMARY:

    The role will also implement business strategy for the monitoring and growth of the Workplace banking scheme customers by providing pro-active management of all schemes to ensure that the customers utilize the facilities, loan repayments are up to date, liaising with the HR managers for check-off deductions and assisting in cross-selling to ensure that the customers utilize as many SBMK products/channels as appropriate.

    KEY RESPONSIBILITIES:

    Sales and Business Development - 20%

    • Full responsibility for all product lines and all sales and business development for the schemes business.
    • Develop business opportunities and monitor Monitoring scheme loans/check off performance for each scheme on monthly basis with a view of increasing the utilization and minimizing default and ensure that the Bank remains competitive and promptly reacts to changing market conditions and customer needs.
    • Ensuring that SBM Bank deductions for global check offs are adopted and following up on any that have not been adopted. 
    • Deliver and collect confirmed customer loan applications that require employer sanction/confirmation.
    • Follow up on Scheme loan repayments/Check off/Salaries.
    • Gathering market intelligence on Scheme arrangements to maintain a competitive edge for the bank.

    Risk Management - 20%

    • Work closely with risk and compliance units to ensure effective controls to mitigate against operational and business risks.
    • Ensure implementation and compliance with operational policies and procedures, AML/CFT Policy. 
    • To ensure Bank policies and procedures are followed – Consistency in adherence to KYC & AML guidelines and application of established policies, processes and tools to achieve optimal efficiency, compliance and cost optimization. 
    • Timely preparation and submission of all Performance monitoring reports and any other reports that may be required from time to time. 
    • Monitoring of the facilities and accounts under the Schemes to ensure PAR is maintained at acceptable standards.

    Monitoring & Reporting - 30%

    • Daily tracking of performance against commitments per branch and highlighting any variances by engaging the branches /supervisor towards contribution to meeting the Consumer Banking/Check Off Scheme performance targets.
    • Preparation & Analysis of daily and weekly data/reports to assist Consumer Banking/Check Off Scheme in meeting the performance targets.
    • Ensuring WPB RMs issues are closed in a timely manner through active follow up within the service level agreement. 
    • PAR monitoring and engaging branches on action plans on how to regularize accounts in arrears daily.
    • Monitoring the Schemes performance on regular and make necessary recommendations/follow ups as may be required.

    Administration - 20%

    • Periodic review of MOU performance and making necessary recommendations to the Senior Manager – CB products. 
    • Induction & Training of branches on all the Consumer/Check Off Scheme bank products and services.
    • Monitor Daily Performance reports for branches check off schemes.

    Strategic Input & Planning - 10%

    • Contributes to the completion of the SBM Bank Branch Banking Operational plan by preparing and implementing a schemes business plan that encompasses strategies for performance.
    • Prepares the schemes sector budget for approval and contributes to the overall control of expenditure by monitoring costs and reporting on performance against budget variations.

    KEY RELATIONSHIPS:

    Customers of this Position

    • All staff & External WPB customers

    KEY QUALIFICATIONS AND COMPETENCIES: 

    Knowledge: Skills and Experience required for this Role

    Job Knowledge

    • Excellent understanding and interpretation of financial information • Working knowledge of the Bank’s products, services • Good understanding of the banking industry trends, regulation, banks processes & operating procedures

    Job Experience

    •  3 to 5 years’ banking experience in the areas of Sales & Marketing & Relationship Management.
    • Credit Risk Management & Branch Operations are added advantages.
    • Understanding of the Banking & Financial environment

    Education

    •  A Bachelor’s degree in Banking, Finance or a related Business, statistics field.

    Competencies required for this Role

    •  Dynamic, analytical and self-driven individual with the ability to work under pressure, maintaining a professional and helpful attitude at all times. 
    • Excellent selling skills – Strong networking skills, for both internal and external networks 
    • Relationship Management skills with excellent presentation, communication and interpersonal skills
    • A passion for performance, team play and achievement in a competitive and dynamic environment.
    • Hardworking, strategically minded individual with excellent leadership, organizational, and planning skills 
    • Commercial awareness and customer focus 
    • Decision Making, People Management & Conflict resolution skills
    • Computer literacy (standard office computer applications)

    go to method of application »

    Senior Relationship Manager, Elite & Diaspora Banking

    JOB SUMMARY:

    The job holder is responsible for providing a relationship-based offering to high net-worth affluent individuals through a pro-active, highly responsive personal approach to meet the financial needs and service expectations of high net-worth individuals. The job holder shall proactively promote a relationship-based offering through operating as a dedicated and primary point of contact for the customer and providing financial solutions which meet the customer’s expectations in accordance with the segment value proposition. The job holder shall leverage the group’s reach & expertise resource capabilities to add value to both the customer and the bank and maintain a high level of integrity, professionalism and ethical standards whilst building valuable long term relationships with customers. 

    KEY RESPONSIBILITIES:

    • Acquire new customers (high net-worth affluent individuals) as per the criteria outlined in the segment value proposition and reflected by the Country segment strategy and sales targets.
    • Pro-actively identify cross-sell opportunities within own portfolio of customers to maximise life cycle opportunities. Be guided by the segment value proposition and sales targets as to what the priority products are both from a bank and customer perspective.
    • Conduct a needs analysis with all new and existing customers to ensure that product opportunities identified are appropriate to meet the customer’s needs and priorities.
    • Comprehensively explore customers’ short and long term financial goals/aspirations and keep up to date with changes in the financial needs and financial position of customers. Appreciate the implications of the customers’ lifecycle position and priorities. 
    • Conduct a comprehensive calling/contact management programme for all customers within own portfolio supported by call reports that document the salient issues and future opportunities identified.
    • Pro-actively manage the portfolio to maximise revenue for the Bank (referring to fees, margins and sales), minimise costs and risks, whilst maintaining and entrenching the customer’s relationship with the Bank appropriately.
    • Ensure that the Customer is central to the entire life cycle approach of maximising sustainable value add to both the Customer and the Bank.
    • Establish, build and strengthen one-on-one relationships with customers, based on mutual respect, to retain customers and gain word-of-mouth referrals.
    • Place equal emphasis on investment (non-borrowing) and borrowing customers.
    • Commitment to Service excellence and superior service delivery aligned to SLA’s and turnaround time commitments.
    • Ensure that customers are appropriately educated regarding the value of using self-service channels (Internet Banking, ATMs & Mobile Banking) to empower customers and minimise adhoc service requests. Assist with migration, Facilitate the migration of customers to self-service channels where appropriate.
    • Ensure that customers are well informed with regards to lending application processes (e.g. vehicle finance, home loans, overdraft, credit card, personal loans, etc), credit maintenance processes (e.g. annual reviews) and account conduct expectations (e.g. minimum account balances, provision for debit orders and cheque payments, etc).
    • Clearly and transparently inform customers of contract/account terms and conditions, fees, rates and commissions where applicable. Be prepared to articulate the value added if challenged on pricing.
    • Ensure that qualifying customers (as defined by the Country segment value proposition) are timeously migrated from the Branch to the Elite Banking.
    • Retain ownership of customer requests, complaints and applications – follow every task through to completion keeping the customer updated on progress.
    • Ascertain when customers require specialist advice and arrange appropriate introductions with specialists. Generate and pass on leads. Follow up to ensure that the customer is satisfied with the service received.
    • Determine when new or existing customers require SME or Corporate expertise and arrange introductions accordingly. Interact and build strong working relationships with SME and Corporate colleagues to entrench the holistic customer relationship with the bank.
    • Interact frequently and build strong working relationships with enabler and fulfilment functions (including credit specialists, product specialists and wealth specialists) to shorten turnaround times and SLA’s are adhered to.
    • Manage credit and operational risks in accordance with laid down policies and procedures.
    • Take accountability for credit management of portfolio, including the completion of referral reports, taking action regarding exception reports to eliminate accounts in excess, ensure that all accounts are limitised and that reviews occur timeously.
    • Establish and build knowledge and understanding of product and credit application processes to eliminate reworking and ensure acceptable turnaround times for customers.
    • Maintain proper records (filing, update customer records on bank system, etc).
    • Ensure limits are loaded, market segment codes are correct and all fields are captured accurately on the system. Take responsibility for the integrity of all data pertaining to the portfolio.
    • Attend to all correspondence relating to the portfolio, including e-mails, phone calls, messages, documentation, faxes, queries and complaints, etc.
    • appropriate Monitor initial activation and usage of transaction accounts and proactively take steps to mitigate dormancy.
    • Follow proper procedures when closing accounts, including the recovery of outstanding funds/fees and retention of cheque books/cards.
    • Manage subordinate (Relationship Officer/ Transactional Banker / Private Banker’s Assistant) in accordance with HR performance management best practice recruitment/development/retention/reward & recognition.
    • Cooperate and work effectively with others in pursuit of team goals by sharing information, providing support, showing care and being considerate of other team members.
    • Actively seek to improve others’ skills and talents by providing constructive feedback, coaching and training opportunities to develop their abilities.

    KEY RELATIONSHIPS:

    Reports to

    • Head, Elite & Diaspora Banking

    Customers of this Position

    • High Net worth individuals within the bank.

    KEY QUALIFICATIONS AND COMPETENCIES: 

    Knowledge; Skills and Experience required for this Role

    Knowledge:

    • Understanding of the high net – worth individual and affluent market – typical profile, lifestyle, financial needs, etc.
    • Deep knowledge and understanding of segment value proposition.
    • Sound knowledge of all products and channels relevant to this market, including qualifying criteria, product/channel features and benefits, pricing, product/channel combination possibilities and efficient product usage through self – service channels.
    • Understanding of the bank’s product in respect of service level arrangements and the bank’s service provision networks.
    • Understanding of which products are most required by high net – worth individuals and/or, most beneficial to this market as well as appreciation of which products are most profitable to the bank.
    • Knowledge of equivalent competitor products and services.
    • Working knowledge of SBM Bank Strategy, country strategy and segment strategy.
    • Knowledge of local market environment and financial issues that may impact portfolio.
    • Working knowledge of bank systems.
    • Thorough understanding of credit principles as well as application and maintenance processes.

    Experience:

    • Banking experience, preferably dealing with high net – worth individuals in a portfolio context.
    • Strong sales background.
    • Experience in upholding the highest levels of service.
    • Experience in completing credit applications successfully.

    Skills:

    • Relevant business/financial qualification.
    • Interpret financial statements, assess sources of income and basic customer affordability calculations (debt to income ratio, loan to value ratio, installment to income ratio, etc.)
    • Sell financial products on unique benefit to customer and not merely price, Use knowledge of product, local competitive differentiators and value proposition to persuade customers to bank with SBM Bank.
    • Demonstrate high levels of computer literacy – able to capture/update customer database, successfully complete product/lending applications, ensure credit maintenance, etc.

    Competencies required for this Role

    • Mature & professional demeanour.
    • An effective networker at all levels, both inside and outside the bank.
    • Ability to identify customers’ requirements for specialist financial/product expertise and advice.
    • Articulate in the communication/presentation of financial solution and factual information to customers.
    • Strong Communication, negotiation and persuasion skills.
    • Independent, socially confident, quick to establish rapport and build credibility with customers.
    • Fosters confidence among customers.
    • Ability to listen and probe customer responses effectively to ensure proper understanding of needs.
    • Advanced sales and consulting skills.
    • Achievement orientated, embracing and achieving challenging targets.
    • Self – motivated and energetic.
    • Consistent, honest and trustworthy – demonstrating integrity.
    • Ability to remain calm and focused under pressure and during conflict situations.
    • Able to have difficult conversations with confidence – declining a pricing/rate concession, effectively communicating a declined loan application to customer without blaming Credit, etc.
    • People management skills, including team building, team motivation, goal planning and optimising team skills to deliver results.

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    Senior Officer, Digital Channels & Services

    JOB SUMMARY:

    Responsible for managing digital projects and initiatives of digital channels – Mobile Banking, Online Banking, Digital Acquisition, Mobile Agency banking and related technologies and ensure provision of optimum functioning and availability of services to meeting customer needs.

    KEY RESPONSIBILITIES:

    • To ensure full availability (24/7) of the Digital channels in line with the IT policy, procedures and the Bank’s strategic plan.
    • To liaise with all internal Service Delivery Divisions of the Bank in tracking and responding to customer queries / complaints to ensure smooth operations of the digital solutions in line with IT policy and procedures.
    • Identify and track key metrics to measure solution success. Monitor the utilization of the solution against the product performance indicators, to identify areas for improvement and suggest measures that will increase return-on-investment 
    • Support the launch of innovative digital servicing programs that deflect inbound calls/mail and support the self-service push. 
    • Partner with the various business units in the launch of Fintech products and services to ensure a maximization of cross-selling opportunities and synergies for SBM Kenya.
    • To manage relationship with vendors for technology solutions related digital channel in line with the SLA between the Bank and the Vendors.
    • To Manage and mitigate risks related to technology solutions for the digital channels in line with Banks IT Policy, Regulations and Risks guidelines. 
    • Coordinate the development of new and improved Service Delivery Digital channels and any other additional channels that may be developed, which meet the needs of the bank customers to ensure the bank remains competitive
    • Use knowledge, experience and analytics to craft end to end user experiences that are contemporary, exciting, and efficient by virtue of being digitally enabled
    • Manage all changes to LIVE IT systems and applications and ensure their continued availability and effectiveness.
    • To review and document the application of the Software Releases/updates for digital channels in line with the IT Policy and Vendor specifications. JOB DESCRIPTION
    • To ensure that periodic Backups are taken and documented, plan and supervise the quarterly DR Testing of the assigned channel Systems.
    • Develop and document standard procedures for monitoring performance of the E-Banking Systems in line with IT Policy and procedures. 
    • Prepare and coordinate the Preventive Maintenance Schedules line with manufacturer’s guidelines and IT Policy and guidelines.

    KEY RELATIONSHIPS:

    Direct Reports to this Position

    • Officer - Digital Channels & Services

    Customers of this Position

    • All Departments in the Bank.

    KEY QUALIFICATIONS AND COMPETENCIES:

    Education, Knowledge, skills and Experience required for this Role

    •  A degree in Bachelor of Science in Information System/Computer Science or related Technical Skills along with software development skills.
    • Language: Java, C, C++, Html, Php. 
    • Operating system: Windows, Linux. 
    • Application: Microsoft office, Microsoft Visual studio.
    • Database system: Oracle DB, MySQL, MS SQL 
    • Good Knowledge of API, Webservics and various ISO protocols. 
    • Writing skills: Ability to efficiently produce concise, organized reports. 
    • Knowledge of and ability to utilize the processes, tools and techniques for gathering, analyzing, and communicating information about the competitive environment. 
    • Knowledge of methodologies, tools and techniques for specific products; ability to develop product line processes and strategies. 
    • At least 3-year IT working environment in digital payments space and electronic banking environment (Mobile & Internet Banking).
    • Communication and interpersonal skills 
    • Strong troubleshooting skills.
    • Report developing skills. 
    • Issue management and problem resolution skills. 
    • Guaranteeing consistent delivery of across all digital solutions developed to ensure high quality customer experience.

    go to method of application »

    Information Technology Risk - Intern

    JOB SUMMARY:

    Identification, assessment, and treatment of Information Technology (IT) risks.  Execution of IT Risk processes to ensure compliance with set policies, standards, procedures, and risk appetite as a way of protecting the Bank’s ICT assets.

    KEY RESPONSIBILITIES:

    Strategic Initiative - 10%

    • Support in the development of IT risk management reports.

    Operational Controls - 90%

    • Manage the IT Risk dashboard on a daily basis, and timely flag exceptions.
    • Perform user access reviews on assigned systems.
    • Perform system assessment on assigned systems.
    • Tracking the IT Risk Control Self Assessments (RCSA).

    KEY RELATIONSHIPS:

    Direct Reports to this Position

    • None

    Customers of this Position 

    • Information Technology (IT).
    • IT Security.

    Knowledge; Skills and Experience required for this Role

    • Bachelor’s degree in computer science or a related field.
    • Computer related certification(s) will be an added advantage.

    Competencies required for this Role

    • Analyzing
    • Planning and Organizing
    • Adhering to Principles and Values
    • Applying Expertise and Technology
    • Delivering Results and Meeting Customer Expectations

    Method of Application

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