Careers at Sidian Bank

JOB PURPOSE

The job holder will provide an independent, objective assurance on the adequacy and effectiveness of the bank’s IT governance, risk management, compliance, and internal control environment. He/she will lead and oversee the planning, execution, reporting, and follow-up of complex audit assignments in line with Information Technology Assurance Frameworks(ITAF) and Standards, CBK Prudential Guidelines, and the bank’s policies and internal audit methodology. 

KEY RESPONSIBILITIES

Audit Planning 

• Lead comprehensive, risk-based planning for assigned audits by analyzing enterprise risks, regulatory expectations, historical audit results, emerging risks, and strategic priorities.
• Define audit objectives, scope, and detailed test procedures that directly address inherent, residual, and emerging risks, ensuring alignment with the annual audit plan.
• Conduct in-depth process understanding through system walkthroughs, Logs analysis, policy reviews, and stakeholder interviews to identify control gaps or vulnerabilities early.
• Determine the appropriate audit approach, sampling methodology, nature, timing, and extent of testing using risk-based and data-driven criteria.

Audit Execution

• Review core banking systems, payment platforms and IT infrastructure controls.
• Conduct vulnerability assessments and penetration tests.
• Assess cybersecurity controls, access management and incident response.
• Evaluate IT governance, policies, and regulatory compliance.
• Evaluate vendor management processes, including IT service provider oversight, contract compliance, and SLA performance.
• Review the Bank’s Business Continuity Management (BCM) framework, including disaster recovery testing.
• Perform audits in accordance with Global Internal Audit Standards (GIAS) and ISACA guidelines.
• Provide Quality assurance on ICT projects before Go-Live.
• Script and schedule continuous audit reports by use of CAATs.
• Conduct forensic reviews from time to time where need arises as directed by Head Of Internal Audit. 
• Perform all other related duties as assigned from time to time

Audit Reporting, Monitoring & Follow-Up 

• Prepare high-impact, concise, and well-supported audit reports that clearly articulate issues, underlying root causes, associated risks, and practical recommendations.
• Present audit findings confidently to departmental heads, senior management, and governance committees where required.
• Track and monitor management action plans, validate remediation, and perform follow-up reviews to ensure the effectiveness and sustainability of corrective actions.

Risk & Compliance

• Provide independent and objective assurance on the effectiveness of the bank’s IT risk management, compliance, and governance frameworks.
• Evaluate the adequacy and operating effectiveness of controls in key risk areas and across risk types (Cyber security, Access Controls, Business continuity and System related AML risks).
• Review and challenge the quality, completeness, and accuracy of risk assessments, KRIs, RCSAs, and mitigation plans developed by business units and second-line functions.
• Test compliance with relevant laws, regulatory requirements, CBK guidelines, internal policies, and industry best practices.
• Document and escalate control weaknesses, non-compliance, unethical conduct, and emerging risks promptly and in accordance with escalation protocols.
• Provide advisory insight on new regulatory developments and business initiatives while preserving audit independence.
• Maintain up-to-date professional knowledge on emerging ICT risks.

DECISION MAKING AUTHORITY

• Determine the audit approach, depth of testing, and sampling strategies for assigned engagements based on risk assessment and professional judgment.
• Evaluate the adequacy and effectiveness of internal controls and assign issue ratings consistent with the bank’s methodology and regulatory expectations.
• Recommend improvements and control enhancements aligned with business realities and regulatory requirements.
• Escalate material risks, control failures, fraud indicators, or non-compliance without delay.
• Exercise sound judgment in balancing audit rigor, business impact, and operational practicality.

ACADEMIC BACKGROUND

• Bachelor’s degree in IT, Computer Science, or related field.
• Minimum of 3 years’ experience in IS audit, risk, forensics and security preferably in banking.

WORK EXPERIENCE

• Minimum of three (3) years’ experience in IS audit, risk, forensics and security preferably in banking 
• Proven exposure to ICT banking operations audits and regulatory compliance requirements.
• Experience in using audit management systems and data analytics tools.

SKILLS & COMPETENCIES

• Advanced analytical, critical thinking, and problem-solving capabilities.
• Strong report-writing and communication skills with the ability to articulate complex issues clearly.
• High professional skepticism, attention to detail, and ability to challenge status quo effectively.

PROFESSIONAL CERTIFICATION

• CISA certification (mandatory); CISM, CEH, or ISO 27001 Lead Auditor an advantage.

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JOB PURPOSE

The job holder will be responsible for managing and motivating the Direct Sales team to achieve the Bank’s sales and revenue targets through effective acquisition of new customers, growth of existing customer relationships, cross-selling of banking products and deliver excellent customer service. He/she will also drive sales performance, manage sales pipelines, coach sales staff and monitor field activities by ensuring that all sales are conducted in accordance with the Bank’s policies, procedures and applicable regulatory requirements.

KEY RESPONSIBILITIES

• Business Development
• Sales Leadership and Target Achievement 
• Team Management and Performance
• Customer Experience
• Personal Leadership & Development
• Risk & Compliance

Business Development

• Lead a team of Direct Sales in all branches to execute new to bank customer marketing campaigns to promote the company products and increase brand awareness;
• Manage, organize, implement and coordinate sales activations and promotions effectively in liaison with all stakeholders;
• Work closely with Branches, Relationship Managers and other business units to maximize customer acquisition and revenue opportunities;
• Participating in sales calls with the branch and sales representatives to observe their techniques provides real time feedback and help them close deals;
• Identifying skills gaps by assessing the strengths and weaknesses of each team member and recommend training and development opportunities on the identified gaps and improve overall performance; 
• Conduct regular trainings sessions to enhance team skills and product knowledge, ensuring compliance with industry regulations;
• Develop partnerships and referral channels that support customer acquisition;

 Sales Leadership and Target Achievement

• Develop and execute strategies to achieve personal and Direct Sales assigned sales targets;
• Set individual goals by working with each team member to set achievable goals and KPI’s that align with bank’s objectives;
• Achieve the set sales targets: meet or exceed the monthly, quarterly, and annual sales targets and report on sales performance within the scheduled timelines;
• Translate departmental sales objectives into individual targets for sales team members;
• Motivating the sales team to meet their targets, celebrating their successes and help them bounce back from setbacks;
• Monitor daily, weekly and monthly sales performance against targets and identify performance gaps and implement corrective actions;
• Drive acquisition of new customers through Direct Sales and field-based activities;
• Promote the Bank’s products and services to targeted customer segments;

Team Management and Performance

• Lead, supervise and motivate the Direct Sales team;
• Allocate sales territories, leads and portfolios to team members;
• Set clear performance expectations and monitor individual performance;
• Conduct regular team meetings and performance reviews;
• Coach and mentor sales staff to improve their sales capabilities;
• Identify training and development needs within the team;
• Recognise high performers and address underperformance promptly;
• Support recruitment and onboarding of sales staff where required;

Customer Experience

• Through the Direct Sales ensure that customers receive professional and consistent service during the sales process;
• Resolve escalated customer complaints and sales-related issues;
• Monitor customer feedback and identify opportunities for improvement;
• Promote customer retention and long-term relationships rather than one-off sales;
• Ensure sales practices support the Bank’s customer experience standards;

Personal Leadership & Development:

• Manage self: Show drive and motivation, an ability to self-reflect and a commitment to learning;
• Communicate effectively communicate clearly, actively listen to others, and respond with understanding and respect;

• Commit to Customer Service: provide, customer-focused services in line with banking sector and organizational objectives – adherence to the bank customer service charter and ensure personal accountability so as to meet the laid down Service Level Agreements (SLA) and work within stipulated Turn Around Time (TAT);

• Work Collaboratively Collaborate with others and value their contribution;
• Deliver Results Achieve results through the efficient use of resources and a commitment to quality outcomes;
• Think and solve problems, analyze and consider the broader context to develop practical;
• Keeping abreast with staff communications, attending staff meetings – morning huddles and weekly progress meetings;
• Responsible for own career within the bank and preparing an annual Personal Development Plan (PDP) and ensuring its actualization;
• Adherence to the banks policies and procedures, dress code, code of conduct, HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment;
• Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings;
• Live the brand values as a Sidian Bank brand ambassador and always project the right image of the bank to both staff and customers.

Risk & Compliance

• Ensure that all customers onboarded to the bank meet the minimum criteria and are screened adequately considering the Banks AML/CFT/CPF guidelines and escalation of any suspicious accounts:
• Through the Direct Sales, ensure all sales activities comply with the Bank’s policies and procedures:
• Ensure proper customer identification and documentation in line with KYC requirements;
• Ensure Direct Sales staff comply with AML/CFT requirements and applicable banking regulations;
• Promote responsible selling and avoid misrepresentation of products;
• Monitor the quality and completeness of customer application documentation;
• Ensure appropriate customer consent and data protection requirements are observed;
• Work with Compliance, Risk and Operations teams to resolve sales-related control issues;

ACADEMIC BACKGROUND

• University degree in Business Administration, Marketing, Finance, Economics, Banking or a related field.
• Master’s degree will be an added advantage.

WORK EXPERIENCE

• At least five (5) years’ relevant experience in banking, sales or business development.
• At least two (2) years’ experience in a supervisory or team leadership role.

SKILLS & COMPETENCIES

• Excellent communication and interpersonal skills;
• Excellent Business Presentation skills;
• Good financial analysis skills;
• Excellent problem solving and decision-making skills;
• Knowledgeable in credit, legal (conveyancing) and lending knowledge;
• Knowledge of banking processes and Banking Law;
• Demonstrate an understanding of the Banking Act, CBK prudential guidelines and credit policies;
• Strong negotiation and networking skills;
• Good performance track record in business development;
• Strong innovative and creative thinking skills.

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (added advantage)