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  • Posted: Dec 22, 2019
    Deadline: Dec 24, 2020
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    Caritas Microfinance Bank is a licensed microfinance bank regulated by Central Bank of Kenya. Caritas MFB offers a full range of innovative and customized financial services with a special focus on the unbanked and underbanked. Its headquarters are located in the Nairobi CBD. Caritas MFB was formed to provide affordable, innovative and customized financia...
    Read more about this company

    Direct Sales Representatives

    JOB PURPOSE

    The Direct Sales Representatives will be responsible for ensuring quality service to customers, effective utilization of marketing tools and ensuring sales targets are achieved.

    Key responsibilities and accountabilities

    • Meet with clients in person to drive sales.
    • Pitch and explain the types of financial services we provide to potential clients.
    • Educate clients and answer questions about products
    • Advice clients to ensure that they buy products that best suit them.
    • Guide clients through the buying process.
    • Research on new market opportunities and techniques.

    Minimum Qualifications and Experience

    • Degree/Diploma in any field from a recognized Institution
    • A previous experience in a financial institution will be an added advantage
    • Possess Good customer care skills
    • Computer literacy
    • Have a Proven track record of success in sales related fields.
    • Strong communication skills
    • Have a confident and resilient personality
    • Parish priest recommendation is a MUST

    go to method of application »

    Business Development Officers

    JOB PURPOSE

    Reporting to the Branch Manager, the successful candidates will be responsible for driving and delivering excellent business performance through aggressive marketing of Microfinance Bank products ensuring optimum productivity, high quality loan book, operation efficiency and outstanding relationship management.

    Key responsibilities and accountabilities

    • Developing new business opportunities by proactively marketing for lending and /deposit opportunities from current & prospective clients
    • Aggressively market for new liability accounts in line with the given targets.
    • Spearhead the credit function of the branch by ensuring growth of high quality loan book as per targets.
    • Ensure that all conditions pertaining to disbursements are fulfilled prior to disbursement requests being processed.
    • Develop good customer loans/facilities proposals that comply with the banks credit administration standards and policy.
    • Review customer demands in the market and recommend products/ services that will enable the Microfinance Bank to compete in operations.
    • In liaison with Credit Administration, ensure timely renewal of insurance policies for assets charged as security and timely updates of valuation reports for properties charged as security for loans extended by the bank under personal portfolio.
    • Effective monitoring of loan repayments and mitigating risks related to defaults and periodically reviewing the loan portfolio to manage the PAR.
    • Ensures regulatory compliance and implementation of effective anti-money laundering procedures and controls.
    • Manage customer relations under personal portfolio and ensure lasting relations are established with all clients.
    • Appraise, review, validate and process applications in a timely manner.
    • Act as the Relationship Officer for Micro and SME customers in the branch and to work closely with the customers to the mutual benefit of both the customer and the bank for new business Cross – selling bank services {FDR, Salary processing, scheme loans}
    • Collection of market intelligence, information on local competition, products and levels of service.
    • Maintain good quality loan book by ensuring arrears on normal and watch accounts are collected promptly
    • Training of new and existing clients on the Bank’s products
    • To perform any other duty as assigned to them in line with the organization goals and objectives.

    Minimum Qualifications and Experience

    • Holder of bachelor’s degree in a business-related field. Professional banking qualifications will be added advantage.
    • Solid analytical skills and experience in credit appraisal, handling and resolving customer requests and queries.
    • Have strong communication and team building skills with ability to work with diverse teams.
    • Good understanding of prudential guidelines and KYC.
    • Must have a minimum of 4 years banking experience two of which should be in business development.

    go to method of application »

    Branch Managers

    JOB SUMMARY

    Reporting to the Business Development Manager, the Branch Manager will be responsible for achievement of business targets and effective management of branch operations within regulatory framework and the Bank’s policies and risk guidelines.

    KEY RESPONSIBILITIES.

    • Develop new business opportunities by proactively marketing for lending/deposit opportunities from current and prospective clients.
    • Provide leadership in performance management, employee development, talent management and building a work environment that drives high performance and employee satisfaction.
    • Entrench a risk aware culture and develop risk self-assessment capability to identify, evaluate, mitigate and monitor.
    • Build and maintain relationship with customers to the mutual benefit of both the customer and the bank
    • Maintain good quality loan book by ensuring arrears on normal and watch accounts are collected promptly
    • Entrench measurable and meaningful customer service standards and practices
    • Ensure Compliance with the Bank’s policy, control guidelines and procedures
    • Manage and monitor budget for the branch
    • Collect market information from competitor products and levels of service.
    • Ensure that customer service standards are set and maintained in line with the requirements of each market segment.
    • Ensure that customer complaints are monitored, trends and root causes identified and addressed at source to prevent recurrence.
    • Ensure that customer needs are anticipated and met through provision of appropriate products and services via the most suitable channel.
    • Ensure that opportunities to migrate customers to more appropriate, cost effective channels are identified and actioned.
    • Ensure efficient, customer-orientated switchboard and telephone procedures.
    • Conduct a needs analysis to identify customer needs effectively when opening new accounts or giving product advice.
    • Complete disclosure to the customers in terms of accreditation, service fees, and commission.
    • Ensure that laid-down instructions are adhered to by all areas under control.
    • Identify major risks affecting the support function and ensure the necessary steps are taken to measure, monitor and control these risks.
    • Monitor internal controls to ensure their adequacy and effectiveness. Recommend revision of controls to Operations, where appropriate, to address new or previously uncontrolled risks.
    • Develop micro market sales plans to achieve responsive sales budgets/targets for branch.
    • Gain a sound understanding of the different local market segments in the branch’s area of operation.
    • Manage the sales tracking system and provide coaching and feedback to the team.
    • Coach the sales team on product knowledge and making the most of cross-selling opportunities.
    • To perform any other duty as assigned in line with the organization goals and objective

    Skills and Specifications:

    • Comprehensive knowledge of bank’s laid-down policies and procedures relating to all areas under control.
    • Knowledge of the Retail Banking value proposition.
    • Knowledge and understanding of the Area sales and service strategies.

    Qualifications:

    • University degree – Business related field
    • Relevant professional qualification in banking – AKIB/ACIB – AA
    • 4 years’ experience in Business development/Branch Management

    go to method of application »

    Operations Officers

    JOB PURPOSE

    The Operations Officers are responsible for supporting the Branch Manager; ensure branch operational activities run smoothly and efficiently; provide leadership, training and limited supervision within the branch; promote business for the Bank by maintaining good customer relations and referring customers to appropriate personnel for new services.

    Key responsibilities and accountabilities

    • Ensure the bank consistently delivers high quality service to all customers always
    • Management of the front office services including account opening, cashiering and customer service.
    • The job holder must be fully conversant with cashiering services, both front and back office, including cash reconciliation, vault handling and dual custody requirements.
    • The holder must also be fully familiar with all KYC requirements and capable of making independent decisions at the customer entry level.
    • Ensure compliance; minimize exposure to and the impact of operational risks.
    • Ensure proper loan assessment, appraisal, documentation and approval.
    • The holder should be able to double up in support activities including deposit mobilization, product sales, field activities and customer acquisition.
    • Implementation of established policies, procedures and systems in achieving compliance requirements, efficiency, resource utilization and cost control.
    • Proposing the development of new services/products or the improvement in the existing ones in relation with market and results analysis.
    • Ensure all reporting tools are available at branch level to correctly monitor all branch activities.

    Minimum Qualifications and Experience

    • A minimum of 3 years’ experience 2 of which must be in a deposit taking environment will be required.
    • A relevant degree in business, accounting, finance or related fields.
    • Persons with additional professional qualifications like ACIB, AKIB, CPA or Diploma in Microfinance or Co-operative Management will have an added advantage.

    go to method of application »

    Customer Service Advisors/Tellers

    JOB PURPOSE

    Key responsibilities and accountabilities

    • Maintain cash limit for the branch and individual cashier.
    • Ensure daily reconciliation of cash book and banking system.
    • Ensure daily reports are actioned as per schedule of reports
    • Ensure reporting to Operations Supervisor in cash limits, evaluation repatriation daily.
    • Ensure cash security is adhered to and that the cash repatriation is adequately insured.
    • Responding promptly to customer enquiries.
    • Handling customer complaints and escalating where necessary.
    • Obtaining and evaluating all relevant customer information to match to products and services.
    • Guiding customers in the account opening process.
    • Providing feedback to improve the efficiency of the customer service process
    • Ensure key rotations are done without compromise
    • Ensure offsite storage for duplicate storage room keys
    • Any other duty as assigned

    Minimum Qualifications and Experience

    • A minimum of 3 years’ experience in a deposit taking environment will be required
    • Working experience as a direct sales representative will be an added advantage
    • Degree in Business Administration/Management/Co-operative Management or any other Business-related field.

    Method of Application

    Interested candidates who meet the criteria above are encouraged to send their application letters and detailed CVs to:

    Email: recruitment@caritas-mfb.co.ke

    Kindly indicate the position title on the subject line when applying

    Closing date for application 24th December 2019

    Only shortlisted candidates will be contacted.

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