Fresh Jobs at NCBA Group

Job Purpose Statement

The Regional Payments Manager is responsible for driving the adoption, performance,operational excellence and the overall execution of Retail payment  agenda within their assigned Region in the Kenyan business. The role ensures effective rollout, utilization, and optimization of payment solutions including Merchant Acquiring, Card Business, Mobile Banking, Agency Banking, Billers Buisness, E-commerce, International Money Transfers (IMT) and scaling Tills solution at their designated branch and Regional Levels.

The role holder will translate the payments strategy into actionable regional plans, driving Balance Sheet and Revenue growth, improving customer experiences, ensuring compliance, and supporting frontline teams to deliver consistent, high-quality payment services.Ultimately, the role holder shall drive and deliver the brand’s Daily Relevance agenda in their Regions through adoption and utilization of Payments solutions.

Job Specifications

Academic:

•  Bachelor’s degree in business, Finance, Banking, Information Technology, or a related field.
• Diploma or certification in Payments, Digital Banking, or Sales Management is an added advantage.

Professional Qualifications

• Payments or Digital Banking certifications

Desired work experience:

•  8-10 years’ relevant experience in banking, fintech, or financial services.
• At least 3 years’ hands-on experience in payments, cards, digital channels, billers, IMT, acquiring, or merchant management.

Strong exposure to branch networks, sales execution, or regional performance management.

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Job Purpose Statement

• Senior Product Manager, Mobile Financial services reporting to the Head, Retail Digital Solutions, will be the strategic lead for digital lending targeting Retail Customers. This will entail envisioning, design, implementation and commercialization of re-imagined digital first lending products and processes.
• The successful candidate will own the performance and outcomes of Retail lending solutions and will be responsible for achieving Product-Market-Risk fit. You will get to define, structure, experiment with, and introduce new products to the market - you get to be a change driver.
• The scope covers all Retail Banking Funded product lines, including emerging customer needs and solutions
• These will be delivered through an Omni channel experience with sole objective of business growth in assets, liability and Non funded Income.
• This will entail working with cross functional team overlaying an ecosystem approach to identify, target Industry segments, roll-out the specialization plan, develop MIS and capabilities to move Retail strategy towards growth in this segment.
• You will maintain a product backlog, develop user stories, participate in scrum ceremonies, product testing, end user training and developing go to market strategies for new or revamped lending products.
• The candidate will steward partnership conversation with potential partners factoring new business models – SAAS/BAAS/PAAS and adoption of emerging technology
• NCBA go getters are thought leaders with a proven track-record of success in fast-paced product development environments, able to deal with uncertainties and ambiguities along with demanding timelines.

Job Specifications
Academic:

• University Degree (Second Upper or Equivalent) in a Business-related field majoring in Management, Marketing, Economics, Statistics, Finance or Administration or any equivalent qualification
• A Master’s degree and professional qualifications will be added advantage.

Professional:

• Certifications in Project Management/ Technology and experience in Agile and/or DevOps is desirable

Desired work experience:

• University Graduate with at least 6-8 years’ managerial experience in commercial/consumer financial services.
• Demonstrated success in balance sheet growth and customer acquisition in Fintech/Start Up/Telco/FMCG experience is desired 
• Experience in trade product/Supply Chain financing business model will be an added advantage
• Experience in handling cash management solutions/ financial service digital application – web/e-commerce/mobile & ussd is a must
• Proven ability to drive an ecosystem model of business and effectively communicate recommendations to senior management, customers, vendors, partners and sales teams.
• Proven track record in formulation and execution of sales strategy that resulted in business growth
• Demonstrated understanding of SAAS/BAAS/PAAS and use emerging tech trend
• Adopt human-centered design thinking around how NCBA can improve its customer experience across retail product and solutions sets
• Demonstrate strong ownership in developing plans and driving matrix/virtual teams, managing issues, bottlenecks and barriers
• Strong quantitative and qualitative analytical skills and the ability to derive insight from research and findings and to develop a product proposition

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Job Purpose Statement

Solutions Analyst and innovation lead, reporting to the Head Retail Digital Solutions, the position holder will be responsible for leading product discovery session, translating business requirements of Retail customers into technical solutions and describing them through the set of architectures, design artefacts and implementation approach using the most appropriate technology to achieve the intended business outcomes.

The candidate is expected to be a strategic leader, able to interpret business strategy and determine innovative solutions supporting strategy implementation.

The candidate is expected to work with internal and external clients, fintechs and technology teams to create innovative solutions for our clients. The candidate would provide expert advice to clients’ business leaders, technology teams and partners who want to use Retail solutions or create a new solution. The role will require leading complex solution discussions and will span across multiple teams of varying backgrounds, geographic locations, and seniority. The candidate should be able to communicate complex technical information to both technical and non-technical audiences with intent to achieve the intended Business outcomes.

This role acts as a bridge between business & Technology and is responsible for mapping business requirements into technology solutions. The successful candidate will be the technology–go-to-person in business.

NCBA Go Getters are forward‑thinking, data‑driven problem solvers with a proven track record in fast‑paced digital transformation environments, able to navigate ambiguity, influence stakeholders, and deliver under demanding timelines.

Key Accountabilities (Duties and Responsibilities)

Business Growth 25%

• Analyse and recommend best-in-class technology solutions to support balance sheet growth, customer acquisition, product utilisation, and retention.
• Lead the organisation’s innovation agenda for customer acquisition and balance sheet growth.
• Craft solutions enabling efficient use of Retail Digital solutions; manage POC, Proof of Value, and benchmarking engagements.
• Participate in pre-sales by supporting opportunity qualification using customer business and technical requirements.
• Analyse business processes and translate requirements into functional and non-functional specifications for cross-functional teams.
• Support development and implementation of business cases.

Solution Architect Development 30%

• Translate business requirements into solution architecture; deliver solutions aligned to standards and design specifications.
• Lead design, specification, and selection of solutions considering functionality, data, security, integration, infrastructure, and performance.
• Identify, evaluate, validate, and document customer requirements; map to business processes and architectures.
• Integrate all architectural components and communicate across teams from development tools to high-level system design.
• Build customer relationships, provide technical guidance, and identify new opportunities.
• Conduct requirement-gathering through workshops, surveys, site visits, and use cases.
• Research and develop IT best practices and trends in payments, technology, and business.

Project Management 20%

• Manage project budgets and lead preparation of business cases and project charters.
• Define scope, requirements, and success metrics per project.
• Support Retail Automation Program and testing via User Requirement Specifications.
• Lead cross-functional teams to deliver digital channels and enhancements.
• Provide leadership in testing and testing teams.
• Lead project meetings including sprint planning and reviews.
• Support project pipeline, prioritisation, and client engagements.
• Lead partner engagements with vendors and third parties.

Internal Controls, Processes & Procedures 10%

• Ensure compliance with standards and regulations.
• Establish quality assurance standards and best practices.
• Track implementation progress and define SLAs and monitoring mechanisms.
• Act as SME; prepare process and training documentation.
• Support L&D with training content.

Customer Experience 15%

• Use research and benchmarking to improve CX and loyalty metrics (NPS, product stickiness).
• Continuously optimise customer journeys and digital solution design.

Job Specifications

Academic:

• Bachelor’s Degree in either Computer Science/Telecommunication Engineering or Electrical & Electronics Engineering or in a relevant field
• A Master’s degree and professional qualifications will be added advantage

Professional:

• Certifications in Project Management/Human-centered design thinking
• Technology and experience DevOps is desirable
• Enterprise architecture certification.

Desired work experience:  

• At least 6+ years’ work experience in design/implementation/deployment of business solutions in a Service Provider environment for personal and corporate clients
• Experience in IT solution architecture, development of APIs on Enterprise service bus (ESB).
• Experience on systems Core Banking Systems and integrations to Mobile money transfer, USSD / SMS, Omni Channel, Internet Banking, ERP, CRM and other systems in a financial services ecosystem a MUST.
• Proven track record for delivery of large scale, complex projects delivering IT/Telco/financial customer solutions; demonstrable leadership skills and organizational experience
• Work experience in start-up/Fintech/telco/tech firm or financial services is desired
• Experience in open source UI software tools – Figma, terraform or equivalent is desired
• Demonstrated Experience in agile delivery and Human-centered design thinking is desirable
• Solid grasp of design patterns and principles, particularly Object-Oriented Design (OOD), Service-Oriented Architecture (SOA), Micro service Architecture (MSA) and Event-Driven Architecture (EDA).
• Excellent software development skills Java, Spring framework, JBoss, WebSphere Application Server, C#, Oracle databases, DevOps, SOA / ESB, Cloud based solutions (AWS, Azure or Google) Android, REST, XML / RPC, CORBA,,ISO 8583 Business process management (BPM), Active MQ, Kannel

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Job Purpose Statement

Responsible for the development and implementation of digital lending monitoring and control strategies, leading and building compliant and effective digital first, data driven and intelligent collections and recoveries processes, in a manner that maximizes repayments and minimizes cost of risk.

The role holder shall have complete responsibility for designing and implementing the monitoring and control processes that leverage on behavioural science to segment, prioritize and identify personalized communication channels and capabilities for collections and recoveries for the different loan products within the Retail Digital ecosystem.

He/she will have an oversight responsibility on Digital collection Officers and Independent Collection Agencies in delivery of personalized collection process designs based on customer and product profiles and will work closely with all stakeholders to ensure early detection and management of problem accounts.

The role holder is a subject matter expert in credit risk management, collections and recoveries, especially in the digital financial services space, and has good knowledge of related regulatory and policy frameworks. They will be the single point of contact for the stakeholder/senior management and will partner with cross functional teams across all markets to design the key monitoring and control processes within the product and customer journey flows, as well as 3rd party integrations.

Key Accountabilities (Duties and Responsibilities)

Financial – 20%

• Generate revenue through consistent delivery of loan repayment targets.
• Minimize portfolio risk exposure by reducing roll forward rates and maximizing repayments.
• Optimize Cost of Risk via contract negotiations with third-party service providers and incentive programs.
• Prepare collections and recoveries budgets and incentive structures.
• Manage internal and external stakeholders

Internal Business Processes – 50%

• Design, develop, implement, and review a Digital Lending Monitoring & Control strategy aligned to agile retail environments and global best practices.
• Develop and implement digital-first, data-driven monitoring frameworks compliant with regulations.
• Establish governance, QA processes, and standards for Retail Digital Solutions
• Embed credit risk controls within contracts with partners and service providers.
• Collaborate with Business, Product, Ecosystem, Data Science, and Engineering teams to:

1. Automate end-to-end collections and recoveries processes.
2. Integrate tools, systems, and data into a unified ecosystem.
3. Develop analytics and MIS for insights across the collections lifecycle.
4. Implement self-service and omni-channel debtor solutions.
5. Develop third-party portals for negotiations, performance tracking, and compliance.
6. Provide early warning insights to improve collections and underwriting.

• Support fraud management practices to reduce delinquency.
• Manage customer grievances related to debt.
• Define and cascade recovery targets to teams.
• Develop multi-channel collection frameworks
• Build strong partnerships across NCBA Group functions.
• Recruit and manage recovery agencies; ensure resolution targets are met.
• Handle litigation cases in liaison with external lawyers.
• Oversee collections across all markets.
• Design reward, recognition, and consequence management programs.
• Implement debtor incentive programs with Business and Risk teams.
• Liaise with external stakeholders ensuring SLA compliance.
• Recommend write-offs and restructuring strategies per policy.
• Drive continuous training and quality assurance.
• Ensure satisfactory audit, regulatory, and compliance outcomes.

Customer – 20%

• Design effective customer communication journeys and quality assurance guidelines.
• Conduct field visits and prepare reports.
• Oversee RM and promoter performance on repayments.
• Define SLA, TAT, and CSI benchmarks to support customer-centric processes.

Learning & Growth – 10%

• Promote risk culture through continuous improvement and training.
• Implement talent recruitment, development, and retention strategies.
• Foster teamwork, leadership, and skill development.
• Provide credit risk leadership across the Group.
• Optimize use of risk resources, enable staff rotation, and implement succession planning.

Job Specifications
Academic:

• A Bachelor’s degree in Business Management: Accounting Economics, Commerce, and Finance or related fields

Professional:

• Qualifications in Credit Risk Management, Product Development, Project Management, Treasury Management and related fields will be an added advantage.

Desired work experience:

• Work experience of 8 years in Collections across Unsecured and/or Business Loans in a highly digitized environment
• Experience in relevant lending products, collections systems, and collections processes
• Sufficient knowledge and experience of the digital business operations and processes
• Ability to provide balanced perspective between business expediency and risk & control
• Ability to communicate effectively and lead a Unit level team (or teams) to implement the Unit FRM strategy and programmes
• Ability to achieve strategic goals and evolve risk management strategy based on research, data and industry trends in an innovative, digital, data driven and fast-paced environment.
• Excellent problem-solving, organizational and analytical skills.
• Ability to influence multiple stakeholders without direct authority

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Job Purpose Statement

• The Senior Manager, Retail Digital User Design lead is Retail Digital Solutions design philosopher and strategist – Retail Banking Design Go-To-Person.
• Your expertise in user interface design and user-centered principles will drive the creation of intuitive and visually appealing digital products. Collaborate closely with cross-functional teams to shape every stage of the design process, from concept development to user testing, ensuring our products captivate and delight users at every interaction.
• Key responsibility will blend psychology, design, and technology to optimize usability, collaborating with developers and stakeholders to turn research into functional, user-centric interfaces. 
• As the UI/UX lead, you will conduct user research, interviews and surveys, and use the information to create sitemaps, customer journey maps, wireframes, and prototypes.
• You literally at the heart of every click, movement of funds and overall experience from every engagement on Retail Channels be it Borrow, Invest, Insure, Transact or payment decision.
• This is a critical role in NCBA Retail Banking, it shapes what we build and why, with direct access to executive leadership to influence strategic direction. You will manage internal and external designers to translate philosophy into practice - teaching them to see design as strategic discipline, not visual craft.
• NCBA Go Getters are forward‑thinking, data‑driven problem solvers with a proven track record in fast‑paced digital transformation environments, able to navigate ambiguity, influence stakeholders, and deliver under demanding timelines.

Job Specifications

• This role requires advanced experience in creating high-fidelity prototypes and preparing detailed design documentation for seamless collaboration with development teams. An expert-level command of leading design software, including Figma, Adobe XD, and the Adobe Creative Suite (Photoshop, Illustrator, etc), is essential.

Academic:

• At least an undergraduate degree.
• Certification in HCD, Design thinking, working backwards or equivalent is added advantage 

Essential:

• 7+ years in product/UX design roles, with at least 3 years operating at strategic level (not just execution)
• Demonstrated ability to define design vision and philosophy - not just execute briefs - with portfolio evidence of strategic thinking
• Experience designing fintech, payments, or digital financial services - understanding the constraints of regulated environments and complex user journeys
• Proven ability to challenge and influence senior stakeholders (C-suite, product/tech leads) on design decisions - with examples of winning hard arguments
• Strong design foundations: user research, interaction design, information architecture, visual design - can critique and coach across all areas
• Experience managing small design teams (2-10 people) - building capability, not just coordinating work
• Exceptional communication skills: can articulate complex design thinking clearly to non-designers, including executives and boards

Highly Desirable:

• International design experience, where design is embedded as strategic discipline, not afterthought
• Experience designing wallet, super-app, or platform products (not single-feature apps)
• Track record of building design function from scratch or transforming weak design culture
• Experience working in African markets - understanding context of connectivity, literacy, trust, regulation
• Background in service design, design systems, or design operations

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Job Purpose Statement

• The Senior Manager Digital Financial Services (CSME) will be responsible for ideation to commercialization of Retail Digital financial Service targeting CSME, entailing; Design and deliver working distribution models that supports the digital channels availability, accessibility, and visibility. This include channel development and adoption on the Retail pillars not limited to Lending, trade and cash management solutions
• The role is responsible for driving business growth target across the Retail Digital Solutions propositions through identifying and closing strategic partnerships and coming up with relevant customer acquisition strategies and plans to achieve set Revenue, Volume and Value targets metric -  DAU (Daily Active Users) and ARPU (Average Revenue Per Customer)
• The role holder is responsible to strategically conceive, design and deliver best in class route to market and commercial sales tool kits for all digital innovation and or product enhancements, use customer insights and market deep knowledge to develop customer acquisition programs for all digital product innovations /and enhancements
• This will include collaboration with marketing and sales to deliver the bank’s digital strategic play; acquisition plans, rules of engagement, sales processes, route to market, digital marketing, CVM, toolkits, CX support, training manuals and key performance metrics for new digital products / enhancement and innovations.
• NCBA Go Getters are forward‑thinking, data‑driven problem solvers with a proven track record in fast‑paced digital transformation environments, able to navigate ambiguity, influence stakeholders, and deliver under demanding timelines.

Job Specifications

Academic:

• University Degree (Second Upper or Equivalent) in a Business-related field majoring in Management, Marketing, Economics, Statistics, Finance or Administration.
• Master degree is desired

Desired work experience:

• 6-8 years working experience with a minimum of 3 year’s Relationship/Account Management experience or equivalent.
• Experience in working with large data sets and analytics expertise will be an added advantage
• Experience in digital sales and social media marketing will be an added advantage
• Experience in managing agent relationships will be an added advantage.
• Proven ability to develop brand and marketing strategies and effectively communicate recommendations to executive management.
• Proven track record in formulation and execution of sales strategy that resulted in business growth.