Current Openings at HF Group

Principle Accountabilities

• Product uptake - provide data insights on customer behavior and develop and implement uptake strategies that will improve customer retention and new activations that will increase products uptake at a customer level (PPC).
• Portfolio Revenue Tracking - create and optimize product and customer value based on behavior, lifecycle and identify revenue optimization opportunities by analyzing existing customer behavior and core banking system efficiency and supporting processes for Personal Banking segment.
• Track identified revenue initiatives implementation per portfolio and efficiency in portfolio management and in the Mass market clients who are engaged through digital platforms.
• Analyzing productivity and performance reports for Personal Banking RMs and BBCs on a daily basis in support of business objectives and commitments/targets.
• Ensure portfolio allocation is done to all relationship managed accounts and monitoring accounts in arrears for follow-up and recoveries on a weekly and monthly basis.
• Digital Portfolio management - develop, operationalize a digital engagement model for the unmanaged personal banking book as well as a digital engagement schedule for all the personal banking clients.
• Monitor data to ensure retention of clients, reduce churn and build a client handover process from the acquiring team to the relationship team.
• Responsible for the virtual PB team (Tele-Sales) feeding them with data and campaigns for proper client engagement.
• Work with marketing team to build client engagement data.
• Ensure all client engagement data is scripted and implemented in the teams. 
•  Derive data from existing client behavior to analyze client needs for additional product offering.
• Peruse existing portfolios to identify opportunities that maximize portfolio revenue.
• Monitor portfolio performance per RM for optimal ROI and identify areas of improvement.
• Optimize Mass segment through digital engagement, product campaigns, potential additional business through historical analysis.
• Team productivity and performance tracking.
• Enhance engagement of the inactive and dormant book.
• Manage loan provisions per portfolio and formulate ways to collect to minimize on additional IFRS provisions and build relationships to recoup write backs on the NPL accounts.
• Support the scheme teams with portfolio data analysis for additional business.
• Risk Management & Regulatory Compliance
• Ensure the teams are well-informed of Product & Market Knowledge through segment trainings.
• Monitor and improve NPS to gauge client satisfaction and loyalty.
• Work with HR to build an RM onboarding readiness pack that will help the PB teams settle well in their roles

Key Competencies and Skills

• Excellent knowledge in Big Data Analytics and visualization.
• Excellent knowledge in CVP building and portfolio management
• Excellent knowledge and skills in relevant databases and database scripting
• Strong communication and creative problem-solving skills.
• Good presentation skills
• Ability to work with stakeholders to achieve business objectives.
• Ability to meet tight deadlines.
• Sound interpersonal, judgment and negotiation skills.
• Good leadership skills and ability to influence teams.
• Good grasp of Product knowledge, Credit Processes and Policy, Prudential guidelines and Portfolio Management processes
• Data analytics, Statistics or Statistical modelling
• Lending Risk Management
• Scripting knowledge e.g. Excel Macros and SQL scripting
• Presentation skills e.g. Power BI, MS Power Point and Report writings e.g. MS Word

Minimum Qualifications, Knowledge and Experience

• Minimum 5 years working experience with exceptional background of utilizing data from diverse financial information systems to build models that inform organizational decision-making capabilities resulting to increased productivity.
• Experience in CVP building, data mining for revenue maximization.
• Experience in managing a sales and relationship management team.
• Experience in data mining and business intelligence development and coming up with insights that can be used to derive business value.
• Experience in the extraction, transformation and visualization of data using bank tools e.g. SQL, Python.
• Bachelor’s degree in a Business-related field.
• Certification in Computer Science & AI an added advantage

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Principle Accountabilities

• Ensure daily balancing and accuracy of cash held at the cash center.
• Facilitate teller cash movement to and from the vault as per branch procedures while making sure that teller cash limits are well adhered to.
• Attend to the offsite branches repatriation requests and ensuring that the same is expedited within timelines set as per the branch procedures.
• Ensure the cash center holding limits are maintained at all times and making sure that cash is repatriated to CBK on time.
• Ensure the cash center FX balances are sufficient and maintained within limits. This includes making sure that excess cash is repatriated to other HFC accounts held in other banks.
• Acting as an ATM and Vault custodian while assisting in the loading and offloading. Also responsible for making sure that the ATM cash limits are adhered to.
• Assisting in performing various teller transactions and customer service when called upon.
• To attend to dormant accounts and accounts about to go dormant and customer’s queries by ensuring queries pertaining to their dormant accounts are acted on within the timelines stated.
• Responsible for confirmation of cheques above 50k presented for payment on a daily basis while making sure that accurate records are maintained in the system.
• Assist in customer data update exercise to ensure correct client data is maintained in the system.
• Follow up on overdrawn accounts, accounts in arrears and ensure clients are engaged to regularize. 

Key Competencies and Skills

• Product Knowledge
• Supervisory skills
• IT skills
• Numerical skills
• Banking skills
• Analytical skills
• Report writing skills

Minimum Qualifications, Knowledge and Experience

• Bachelors degree, in accounting
• Two years' experience as a teller.

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Principle Accountabilities

Financial

• Reviewing and identifying AF accounts in early arrears and recommending the best plan of action for resolution.
• Implementing approved remedial plans and monitoring performance of accounts to ensure that the allocated portfolio is rehabilitated.
• Ensuring that loan accounts migration to the next adverse risk classification is reduced.
• Conducting customer call visits to access business performance for SMEs and Corporate clients and filing call visit reports for management use.
• Ensure accurate Collections Progress Reports (CPR) that is detailed on assigned portfolio are generated and reviewed per prescribed frequency.
• Reduction of monthly loan provisioning amounts from current average as prescribed.
• Coordinating with external service providers e.g. brokers, auctioneers, valuers, Tracking & insurance companies on the recovery process for assigned accounts where applicable as per TAT.
• Receiving, reviewing and filing all loan related documents for continuous usage and access.
• Maintaining a robust asset finance register for repossessed units in the various storage yards and sales records for all the auctioned units.
• Responsible for the achievement of collections portfolio targets including collections, recoveries, case life and impairment management as per performance development plan
• Lead detailed negotiations with customers, sometimes in conjunction with other internal & external stakeholders, regarding the agreement to, and implementation of strategy e.g. Settlement proposals etc.
• Responsibility of negotiating and recommending settlement proposals of all Asset Finance loans, including recommending write offs to the appropriate authority.
• Lead proactive formulation and implementation of strategies on Collections.
• Manage relationships with customers in a manner which, through professional communication of often uncomfortable messages manages customer satisfaction and enhances the HFC Brand.
• Manage politically sensitive customers and recover debts from them in a professional manner which leaves a good impression of them about the bank
• Act as a reference point for Asset Finance Collections and credit teams for discussions on specific cases
• Manage the achievement of service levels and quality including setting up Service Level agreements with internal providers and monitoring performance against them on a regular.

Internal business processes

• Ensure that the necessary credit and other sanctions/approvals are obtained at the right levels for strategies, expenditure and impairments whenever necessary.
• Manage the provisioning process in line with Bank and Regulatory policy for the Asset Finance portfolio.
• Monitor the relationships with the bank’s service providers, especially with regards to service level agreements with them.
• Ensure that all Asset Finance Collections files are properly maintained and have up to date file notes.
• Ensure data integrity is maintained.
• Manage relationships with external service providers who provide services to matters in Asset Finance.
• Actively manage debtors, to ensure business and banking risk issues are addressed in a timely manner.
• Develop network of contacts internally and also with local external professionals in order to maximize effectiveness in assisting customers
• Ensure satisfactory internal and external audits.
• Transfer account responsibility out of team when appropriate.

Customer

• Work closely with clients and RM's with a focus to remediate each vulnerable account or exposure in the Asset Finance portfolio.
• Make customer visits and attend meetings held at/off Bank premises where appropriate.
• Participate in strategy setting with internal and external Stakeholders to ensure that the appropriate Recoveries plan is adopted.

Minimum Qualifications, Knowledge and Experience

Education: 

• Bachelor’s degree in finance, Accounting, Economics, Business Administration, or a related field.
• Professional certification in Credit Management, CPA, ACCA, or CFA is an added advantage.

Experience: 

• 5–8 years’ work experience in a bank or financial services institution of which at least 4years should have been in remedial management (Debt Collections and/or Recoveries).
• Understanding of asset-based lending, insurance financing processes and loan portfolio management across customer segments