National Bank is a major player in Kenya’s banking industry. It is one of the largest banks in the country giving financial services to all sectors of the economy. The bank will continue to cover the financial landscape and respond positively to the needs of its customers, shareholders and the economy besides offering traditional financial services and pro...
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Job Reference No: NBK/CRED/02/2026
Position Scope:
- This position is responsible for credit approval and management process of Corporate credit to facilitate growth of a quality loan book in line with the Bank’s strategic goals.
Key Responsibilities:
- Develop and maintain co-operative relationships between all stakeholders in the credit value chain.
- Research and obtain sufficient and appropriate information for evaluating business risk.
- Quality Credit evaluation of credit applications to assess whether the credit risk is consistent with the stated risk appetite position supported by sectoral, single obligor, products, currency, tenor and other limits.
- Review & provide credit recommendation based on sound financial and business justification for deals/proposals within acceptable risk parameters and submit for further review and approval by Director Credit/ Executive/ Board Credit Committee.
- Approval of credit applications within a delegated credit approval limit as advised by Management.
- Increase efficiency in internal business processes, operational controls and risk management. Ensure consistency and maintain decisioning TAT in line with the service level agreements with the different business units.
- Monitoring and control of the Corporate Credit Portfolio by daily reviewing & monitoring of corporate loan portfolio to ensure compliance with post approval conditions, sanctioned limits, Bank policies & recommending inclusion of deteriorating accounts in Early Alert Accounts List.
- Support the implementation of the automation of the entire credit process.
- Support implementation of the standardized process flows.
- Continuously develop staff by providing feedback and relevant training to improve productivity & efficiency.
- Sharing best practice with other Business units, Credit Analysts and Relationship Managers, to enhance the Bank’s risk profile.
- Continuously seek to up-skill self through training and proactively seek higher responsibilities.
Education/Professional Qualifications, Skills & Experience:
- Bachelor’s degree in business related field
- Certification in Credit Management.
- Professional certification in AKIB/CIB, CPA(K), ACCA.
- Master’s degree in a Business-related field from a recognized University is an added advantage.
- 7 years’ experience in Banking.
- 5 years in Corporate Credit & relationship management at management level.
- Proven Credit underwriting skills.
- Proven planning, organization and execution skills.
- Computer Skills such as MS Word, Excel and Powerpoint to prepare dashboards and required reports to the management.
- Excellent interpersonal, communication and negotiation skills.
- Excellent writing and presentation skills.
- Critical thinking and problem-solving skills
- Excellent decision-making skills.
- Strong knowledge of business entity legal structures and risk rating.
- Customer and Stake holder management skills.
- Analytical and report writing skills.
- Excellent understanding of financial statements and ratios, credit reports, personal financial statements.
- Ability to work under pressure and within strict deadlines.
- Entrepreneurial/Commercial mind-set.
- Knowledge of national bank lending policy and CBK prudential guidelines.
- Active listening.
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Job Reference No: NBK/CRED/01/2026
Position Scope:
- This position is responsible for approvals for corporate loans through analysis of credit applications in accordance with the Bank’s lending policies, CBK Prudential Guidelines and best practice to achieve quality growth in the retail asset book in line with the strategic plans.
Key Responsibilities:
- Evaluate and approve credit proposals (new, renewals, one offs, permanent, amendments, cancellations, etc.) received from Corporate unit in line with specific credit guidelines as set within existing policy/manual/product documents, understanding of market, industry, economic factors, financial statements, etc., and recommending those beyond DLA for consideration.
- Verify & analyze credit information, documentation such as bank statements, financials, etc. provided by RMs/Customers, and seek clarification, if needed from other sources, liaise with RM for queries, additional information / documents, business recommendations for deviations, if needed.
- Visit clients/Centers/Branches, independently or with RMs/Manager as part of the evaluation of credit proposals for better understanding of the client, business and market
- Review on a periodic basis, a sample of credit decisions made by Credit authority holders within the unit.
- Attend to Audit requirements and provide responses to audit remarks/ensure rectification thereof in respect of Corporate Credit Department.
- Monitor Corporate Banking portfolio for renewals, limits dropping, early vintage performance, migration and PAR
- Monitor compliance with TAT and other service level agreements
- Support creation of New Policy and Manuals, continuous streamline and update of existing Credit Policies and Manual
- Support creation and update of new and existing product standards and guidelines for the corporate product programs.
Education/Professional Qualifications, Skills & Experience:
- Bachelor’s degree in finance, Accounting, Business, Statistics, Mathematics, Economics, Computer Science or related fields from a recognized University.
- Certification in Credit Management.
- Professional certification in AKIB/CIB, CPA (K), ACCA.
- Master’s degree in a Business-related field from a recognized University is an added advantage.
- Minimum of ten (10) years in the Banking Sector with 8 years in a Credit environment of which five (5) years must be at senior management level in a financial institution.
- Proven Credit underwriting skills.
- Proven planning, organization and execution skills.
- Computer Skills such as MS Word, Excel and Powerpoint to prepare dashboards and required reports to the management.
- Excellent interpersonal, communication and negotiation skills.
- Excellent writing and presentation skills.
- Critical thinking and problem-solving skills
- Excellent decision-making and leadership capabilities.
- Strong knowledge of business entity legal structures and risk rating.
- Customer and Stake holder management skills.
- Analytical and report writing skills.
- Excellent understanding of financial statements and ratios, credit reports, personal financial statements.
- Ability to work under pressure and within strict deadlines.
- Entrepreneurial/Commercial mind-set.
- Change management and conflict resolution skills.
- Knowledge of national bank lending policy and CBK prudential guidelines.
- Active listening.
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Job Reference No: NBK/RET/03/2026
Position Scope:
- The role holder shall be responsible for development, growth and optimization of the Bank’s Mobile Banking platform, driving digital adoption, customer engagement, revenue growth, innovation, operational excellence while ensuring security, reliability, regulatory compliance and superior customer experience.
Key Responsibilities:
- Develop and implement end-to-end strategy, business growth, reliability, and compliance of the bank’s mobile banking channel
- Drive customer acquisition, activation, engagement, and digital revenue, while ensuring the channel remains stable, secure, compliant, and aligned with the bank’s growth priorities.
- Lead end-to-end product development, implementation of new features and core journeys based on customer feedback and analytics.
- Drive customer acquisition, activation, usage, engagement, and monetization across mobile banking platforms.
- Define and drive strategy for digital account onboarding on mobile banking channel.
- Work closely with Contact Centre to reduce digital complaints, map pain points, and improve customer experience on the mobile banking channel.
- Relationship management of vendors, USSD aggregators, API integrators, security vendors, and scheme partners.
- Review, analyze and manage the customer portfolio including instituting initiatives in line with the strategy for customer acquisition, retention and cross sell.
- Formulate and manage the administration of fee structure and cost management initiatives that maximize revenue generation and minimize cost and revenue leakage.
- Ensure strict adherence to Operational Risk Policies & external compliance requirements to minimize risk of financial and reputational loss from non-compliance to internal and external regulations
Education/Professional Qualifications, Skills & Experience:
- Bachelor’s degree in a Business-related field from a recognized University.
- Master’s degree in a Business-related field from a recognized University is an added advantage.
- Digital banking / fintech certification is an added advantage.
- Project Management (PMP, Prince2, Agile) is an added advantage.
- Eight (8) years’ work experience in banking, fintech, or digital financial services with at least five (5) years in a leadership role.
- Strategic leadership and execution
- Digital innovation and transformation
- Strong analytical and commercial acumen
- Demonstrated Leadership capacity and ability to operate at Senior Management Level
- Strong analytical & financial management skills
- Excellent stakeholder engagement and negotiations skills
- Customer Centric mindset.
- Sound knowledge of Banking statutory requirements
- Integrity and courage to challenge the actions within the division and the status quo
- Risk, compliance and governance awareness.
- Excellent communication skills.
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Job Reference No: NBK/RET/02/2026
Position Scope:
The role holder shall be responsible for development, growth and profitability of the Bank’s Card Business portfolio by driving product innovation, market penetration, partnerships, operational excellence and customer experience while ensuring regulatory compliance and risk management.
Key Responsibilities:
- Provide strategic leadership, commercial growth, operational excellence, and risk governance for the bank’s card business across debit, credit, prepaid, virtual, and co-branded card products.
- Drive joint business plans with schemes and strategic partners (fintechs, e-commerce platforms, merchants).
- Design and manage the roll out activities of new card products, including product positioning, advertising and promotions activities.
- Build and manage partnerships with payment schemes, fintech’s, merchants and processors.
- Develop customer lifecycle journeys for onboarding, activation, usage, rewards, loyalty, and retention.
- Design and implement, lean, efficient and effective card processes that translate into excellent customer service and cost management.
- Deliver competitive differentiation through new products, segment-based propositions, and customer experience innovation
- Develop and execute a comprehensive set of portfolio tools to achieve targets on spend, activation, cross sell & attrition to grow & retain profitable customers.
- Formulate and manage the administration of fee structure and cost management initiatives that maximize revenue generation and minimize cost and revenue leakage.
- Ensure strict adherence to Operational Risk Policies & external compliance requirements to minimize risk of financial and reputational loss from non-compliance to internal and external regulations.
- Develop and service strategic relationships with Merchants and tactical partners to build a unique product proposition based on the requirements of each card type.
Education/Professional Qualifications, Skills & Experience:
- Bachelor’s degree in a Business-related field from a recognized University.
- Master’s degree in a Business-related field from a recognized University is an added advantage.
- Eight (8) years’ work experience with at least five (5) years in handling Card Business and product development functions of a commercial bank at a managerial level.
- Strong strategic and commercial acumen
- Demonstrated Leadership capacity and ability to operate at Senior Management Level
- Product development and innovation skills
- Strong analytical & financial management skills
- Excellent stakeholder engagement and negotiations skills
- Customer Centric and digitally driven mindset.
- Sound knowledge of Banking statutory requirements
- Ability to think creatively and develop innovative solutions
- Integrity and courage to challenge the actions within the division and the status quo
- Superior levels of judgment to assess the impact of strategic activities on business performance.
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Job Reference No: NBK/RET/05/2026
Position Scope:
- This position is responsible for driving profitable revenue and volume growth for Money transfer services with a focus on new acquisition, deepening of existing relationship and cross sell thereby improving market and customer share of wallet with the bank.
Key Responsibilities:
- Co-create acquisition campaigns (diaspora communities, embassies, student bodies, worker programs) with Marketing department and partners
- Develop in-country payout network synergies (agents/branches/ATMs/wallets) to enhance last-mile delivery and convenience.
- Lead the growth and operational excellence of the bank’s inbound and outbound remittance business, focusing on priority corridors and strategic partners
- Manage and grow money transfer partnerships (local & international)
- Drive transaction volumes, revenues and market share remittances services
- Develop and manage relationships with remittance partners, agents and correspondents
- Promote cross-selling of bank products through remittance channels
- Ensure compliance with AML/CFT, KYC and regulatory requirements.
- Monitor fraud risks and suspicious transactions trends
- Track performance KPIs and prepare management reports
Education/Professional Qualifications, Skills & Experience:
- Bachelor’s degree in a Business-related field from a recognized University.
- Master’s degree in a Business-related field from a recognized University is an added advantage.
- AML/CFT certification is an added advantage
- Five (5) years banking experience of which 2 years must have been in relationship management or business development role of a commercial bank at a managerial level.
- Strong relationship management and negotiation skills
- Business development and sales acumen
- Comprehension of the Money transfer service regulations from a local and international standpoint.
- Knowledge of remittance ecosystems
- Strong understanding of AML/CFT and compliance frameworks
- Analytical and reporting skills
- Excellent communication and stakeholder skills
- Customer-centric mindset
- Result oriented and commercially driven.
- Good understanding of Banking laws and regulations
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Job Reference No: NBK/RET/05/2026
Position Scope:
- This position is responsible for driving growth, profitability, and compliance of the bank’s agent banking channel by acquiring, activating, and optimizing high-quality agents; deepening usage across retail customer segments; and safeguarding service standards, liquidity, and risk controls.
Key Responsibilities:
- Identify, recruit and onboard new agent banking partners.
- Engage strategic partners to drive Agent Banking uptake through individuals, Micro and SME businesses.
- Relationship management of Retail Banking Agents.
- Manage Agent Banking sales presentations and trainings within and without the bank.
- Monitor and improve agent performance, ensuring compliance with KYC/AML regulations.
- Develop and agree on key KPIs for each Agent, measure result against KPI and develop action plans to address shortfalls.
- Manage and anticipate Agent requirement with a focus towards managing the existing base
- Consistent and frequent communication with Agents providing complete, concise portfolio valuations and guidance.
- Provide on-going portfolio supervision, with continuous focus towards enabling Agents adapt to changes in financial environment.
- Resolve Agent and customer queries
- Serve as the primary contact for agents, addressing queries and escalations promptly.
Education/Professional Qualifications, Skills & Experience:
- Bachelor’s degree in a Business-related field from a recognized University.
- Master’s degree in a Business-related field from a recognized University is an added advantage.
- AML/CFT certification is an added advantage
- Five (5) years banking experience of which 3 years must have been in relationship management or
- business development role of a commercial bank at a managerial level.
- Strong relationship management and negotiation skills
- Business development and sales acumen
- Knowledge of remittance ecosystems
- Strong understanding of AML/CFT and compliance frameworks
- Analytical and reporting skills
- Excellent communication and stakeholder skills
- Customer-centric mindset
- Result oriented and commercially driven.
- Good understanding of Banking laws and regulations
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Job Reference No: NBK/RET/04/2026
Position Scope:
- This position is responsible for planning, developing and implementing appropriate product and technology solutions for Card Issuing business across personal and business banking value chains and for overall strategy of bank's ATM network.
Key Responsibilities:
- Develop new products and drive prepaid and debit card acquisition and marketing plans in line with the card business strategy.
- Optimally drive onboarding of new Debit and Prepaid customers
- Define and plan Debit and Prepaid card product enhancements to promote issuance and usage.
- Engage key retailers and strategic partners to drive Debit and Prepaid sales and card utilization through their outlets.
- Relationship management of high-net-worth card customers, institutions and third parties involved offering the card product to the customer.
- Implement internal and external product awareness of transaction cards products.
- Develop and agree on key KPIs for each card product, measure result against KPI and develop action plans to address shortfalls.
- Responsible for customer service and complaints management.
- Develop and implement strategies to enhance profitability through effective risk management practices.
- Collaborate with cross-functional teams to ensure seamless integration of new products and services into the existing portfolio.
- Monitor regulatory compliance and adjust policies as necessary to maintain adherence to industry standards.
- Responsible for overall strategy of the functionality of bank's ATM network.
- Administration of the Bank’s Automated Teller Machine (ATM) products, services and related systems by working closely with internal and external stakeholders.
- Provide regular reports on portfolio performance, including key metrics such as usage activity and revenue.
Education/Professional Qualifications, Skills & Experience:
- Bachelor’s degree in a Business-related field from a recognized University.
- Master’s degree in a Business-related field from a recognized University is an added advantage.
- Five (5) years banking experience of which 2 years must have been in handling Card and product development functions of a commercial bank at a managerial level.
- Strong background in product development and roll out, partner relations and change management.
- Strong background in product development and roll out, partner relations and change management.
- Comprehension of the Card’s Regulations from a local and international standpoint.
- Good understanding of Banking laws and regulations.
- Budgeting and Planning skills.
- Project Management skills.
- Knowledge and ability to ensure good governance practices in assigned Department.
- Highly analytical and ability to challenge status quo based on quantitative facts and impacts.
- Stakeholder Management.
- Ability to develop reports.
- Excellent communication skills.
- Ability to lead teams, mentor and coach staff to goal definition and achievement.
- Performance Management and team building.
- Ability to make strategic decisions in a timely and effective manner.
- Maintains a professional approach based on ethics and NBK values.
- Ensures ethical practices and integrity and ensures NBK is not put at reputational risk.
- Customer focused striking a solid balance between external and internal customer orientation
Method of Application
Send your CV and application letter showing how you meet the role requirement stated above to: Recruitment@nationalbank.co.ke by Tuesday, 10th February 2026 • Indicate Name of Job on email subject. • Please note that applications received after the deadline will not be considered.
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