Job Openings at I&M Bank

Job purpose:

• The Full Stack Developer is responsible for leading the review of digital design and developed solutions with emphasis on maintaining scalable web applications and digital banking solutions.
• This role combines technical expertise with leadership responsibilities, overseeing the full software development lifecycle while ensuring alignment with the bank's strategic objectives, regulatory requirements, and security standards.
• The role will bridge the gap between digital business stakeholders and technical teams, driving innovation while maintaining the highest standards of code quality, system reliability, and operational excellence.

Key responsibilities:

• Oversee the architecture, design, and implementation of both front-end and back-end systems for digital banking applications, including customer-facing portals, internal tools, and API integrations with core banking systems and third-party services.
• Conducting performance reviews, providing technical guidance, and ensuring the team delivers high-quality solutions on time and within budget.
• Manage end-to-end mobile app store operations, including account access, app submissions, releases, testing, monitoring and incident handling across Android and iOS platforms.
• Ensure compliance, security and governance, covering app store policies, data privacy, risk management, documentation and audit readiness.
• Collaborate closely with enterprise architects, business analysts, product owners, cybersecurity teams, and other ICT stakeholders to translate business requirements into technical specifications and ensure seamless integration across the bank's 
  technology ecosystem.
• Establishing and enforcing coding standards, development best practices, and quality assurance processes, including code reviews, automated testing, and continuous integration/continuous deployment (CI/CD) pipelines from digital business.
• Ensuring all development activities comply with central bank regulations, data protection laws, security protocols, and industry standards such as ISO 27001 series, PCI-DSS, GDPR, and relevant financial services regulations.
• Evaluate and recommend new technologies, frameworks, and tools that can improve development efficiency, system performance, and overall customer experience while managing technical debt and system modernization initiatives.
• Mentor a team of full stack developers, fostering a collaborative environment that encourages professional growth and technical excellence. 

Education and Experience:

• A bachelor’s degree in computer science, Software Engineering, Information Technology, or a related field is required. 
• A relevant professional certification (e.g. AWS Certified Solutions Architect, Microsoft Certified: Azure Developer, or Certified Scrum Master) is an added advantage.
• Minimum of 6-9 years of progressive experience in full stack software development, with at least 2 years in management or team lead capacity.
• Experience in banking, financial services, or fintech sector is desirable, with demonstrated understanding of banking systems, payment processing, and regulatory compliance requirements.
• Proven track record of successfully delivering complex, mission-critical applications in enterprise environments, preferably with exposure to core banking systems or digital banking platforms.

Technical Skills:

• Strong proficiency in front-end technologies including HTML5, CSS3, JavaScript, and modern frameworks such as React, Angular, or Vue.js, with experience in responsive design and user experience optimization.
• Extensive experience with back-end development using languages such as Java, C#, Python, or Node.js, and frameworks like Spring Boot, .NET Core, or Express.js.
• Deep understanding of database technologies including relational databases (Oracle, SQL Server, PostgreSQL) and NoSQL databases (MongoDB, Redis), with expertise in database design, optimization, and management.
• Proficiency with RESTful API design and development, microservices architecture, and integration patterns, including experience with API gateways and service mesh technologies.
• Strong knowledge of cloud platforms such as AWS, Azure, or Google Cloud, including containerization (Docker, Kubernetes) and infrastructure as code.
• Experience with version control systems (Git), CI/CD tools (Jenkins, GitLab CI, Azure DevOps), and agile development methodologies.
• Understanding of application security principles, secure coding practices, authentication/authorization mechanisms (OAuth, SAML, JWT), and encryption technologies.
• Familiarity with DevOps practices, monitoring tools, and performance optimization techniques for high-availability banking systems.

Knowledge and Abilities:

• Excellent problem-solving and analytical skills with the ability to break down complex technical challenges and develop pragmatic solutions that balance technical excellence with business needs.
• Ability to work effectively under pressure, manage multiple priorities simultaneously, and maintain composure during critical incidents or system outages.
• Outstanding communication skills with the ability to articulate technical concepts to non-technical stakeholders, prepare technical documentation, and present recommendations to senior management.
• Strategic thinking ability to align technology initiatives with business objectives, anticipate future needs, and contribute to the bank's digital transformation roadmap.
• Commitment to staying current with emerging technologies, industry trends, and best practices through continuous learning and professional development.
• Strong ethical standards and understanding of the importance of confidentiality, data privacy, and integrity in handling sensitive banking information.
• Demonstrated ability to lead, motivate, and develop high-performing technical teams, with strong interpersonal skills and emotional intelligence to manage diverse personalities and skill levels.

go to method of application »

Job Purpose:  

• The purpose of the job is execution of the Bank’s growth strategy in terms of Assets growth by monitoring sanctioned facilities to ensure sustenance of high-quality portfolio and compliance with sanction terms and conditions and other approval covenants.
• The role holder will support Head of Credit Monitoring, Reporting and Security Documentation in driving end to end monitoring activities within the department, coordinating Credit monitoring operations and ensuring maintenance of quality Assets and compliance with credit policy and CBK prudential guidelines.

Key responsibilities:

• Review and ensure compliance of the sanctioned financial and non- financial covenants on credit facilities granted by the bank to customers to confirm compliance and ensure there are no breaches.
• Follow up of insurance policy renewals and ensure that insurance covers are done in a timely manner to ensure that bank securities are adequately insured and avoid exposing the bank to credit risks.
• Ensure monitoring of up-to-date property valuations, Land rates & rent against securities pledged on customer facilities to ensure Bank securities are adequately valued.
• Review and coordinate review of the collateral value information in the facility letters of offer and confirmation of held security coverage for collateral risk mitigation, monitoring, early warning signs identification and escalation to the relevant stakeholders.
• Monitoring of deferred securities and policy exceptions sanctioned to through consistent follow up and ensuring they are complied with within the set timelines.
• Review disbursed facilities to ensure accuracy of the booking and compliance with approval terms and conditions and adherence to approval covenants.
• Reviewing performance of all the performing accounts from time to time to ascertain their health, identify any early warning signs for effective and timely remedial action to ensure sustenance of a healthy portfolio.
• Prepare and coordinate preparation of monitoring Portfolio Review Reports to CRMC/BCC and during portfolio meetings for all the business segments. 
• Review collections comments from time to time and intervene on sensitive accounts in terms of exposure or progression of Days Past Due.
• Maintain good coordination between the Credit Monitoring and other units, credit analysis, credit collections, DRU and business development.
• Identifying where there are breaches of policy and putting in place controls and mitigation strategies.
• Review of the entire portfolio with an emphasis on the following for day-to-day monitoring purposes: arrears amount and days of borrowers, excess on limits, expired and expiring limits, follow-up on restructured loans which are to be kept under cooling period in observation of CBK regulation.
• Follow up with the business units if the annual reviews for loans are being done and share the upcoming reviews and status of facility reviews reports.
• Perform portfolio risk management by continuous follow-up of sectoral concentrations, Single Obligor Limits, and other limit thresholds as outline in the Risk appetite document.
• Ensure the analysis and reporting of Overdrawn accounts reports are carried out.
• Proactively supporting any Bank project relating to credit monitoring aspects.
• Review and recommend modifications in the credit monitoring guidelines and Procedure manuals to support the Bank where new processes are identified or processes modified.
• Handling of various audits including external and internal.

Knowledge, Skills and Experience required:

• Comprehensive banking background and extensive experience in credit monitoring and loan portfolio management.
• Bachelor’s degree in a business management discipline in either; finance, business and economics or related field.
• A professional qualification in CPA/ ACCA/ AKIB or equivalent.
• Excellent Communication skills.

Competencies required for this role:

• Excellent communication and interpersonal skills.
• Excellent time management skills.
• Demonstrated strong organizational skills and ability to prioritize work.
• Excellent numeric skills, evaluation, and data analytics skills.
• Microsoft Proficiency- Advanced Knowledge in MS Excel (e.g., v-lookups, pivots), Strong Power Point and Outlook skills.
• Good Planning, attention to detail and result oriented.
• Self-motivated with ability to handle a large and varied workload simultaneously, to multitask, and to work independently with minimal supervision.
• Report Writing Skills.
• Good Presentation skill with ability to make presentation both physically and virtually.
• Exposure to Project management and Testing of Systems/Software in UAT Environment.
  Progressive thinker with the ability to easily adapt to change.

go to method of application »

Job Purpose:

The job holder is responsible for:

• Driving branch performance against key performance standards as communicated and agreed with the head of business segment in areas such as; Balance sheet growth (funded and non-funded lines) sales growth & income contribution, cost performance, credit management, employee satisfaction, customer experience & Operational risk & control management.
• Providing the right leadership to branch staff and inculcate a high-performance culture at branch level.

Key Responsibilities:

• Prospect for new business from new and existing clients.
• Prepare call reports with recommendations and submit them for approval.
• Drive branch business performance by achieving growth in performance parameters.
• Monitor branch sales performance and portfolio growth to meet targets.
• Identify business improvement opportunities and suggest service enhancements, product improvements, and process changes.
• Understand local business drivers impacting branch performance. 
• Submit weekly activity reports including business acquired and customer issues. 
• Analyze financial statements, assess credit requests, and present findings and recommendations to approvers.
• Manage collateral registration process and ensure timely securities perfection. 
• Oversee excess drawings and loan arrears to maintain asset quality. 
• Ensure branch service excellence through monitoring and resolution planning. 
• Build a motivated branch team, ensure compliance, and monitor operational performance while maintaining high service standards.

Qualifications and Competencies:

• Bachelor’s Degree in a Social Science or related field Professional Qualifications / Membership to professional bodies/ Publication.

Relevant professional qualification:

• Member of a relevant professional body.

Work Experience Required:

• Over Ten (10) years’ relevant experience with over Three (3) years in management in a similar organization.
• Strong leadership skills.
• Executive disposition. 
• Demonstrate high levels of integrity.
• Excellent communication and interpersonal skills.

go to method of application »

Job Purpose:

The job holder is responsible for:

• Driving branch performance against key performance standards as communicated and agreed with the head of business segment in areas such as; Balance sheet growth (funded and non-funded lines) sales growth & income contribution, cost performance, credit management, employee satisfaction, customer experience & Operational risk & control management.
• Providing the right leadership to branch staff and inculcate a high-performance culture at branch level.

Key Responsibilities:

• Prospect for new business from new and existing clients.
• Prepare call reports with recommendations and submit them for approval.
• Drive branch business performance by achieving growth in performance parameters.
• Monitor branch sales performance and portfolio growth to meet targets.
• Identify business improvement opportunities and suggest service enhancements, product improvements, and process changes.
• Understand local business drivers impacting branch performance. 
• Submit weekly activity reports including business acquired and customer issues. 
• Analyze financial statements, assess credit requests, and present findings and recommendations to approvers.
• Manage collateral registration process and ensure timely securities perfection. 
• Oversee excess drawings and loan arrears to maintain asset quality. 
• Ensure branch service excellence through monitoring and resolution planning. 
• Build a motivated branch team, ensure compliance, and monitor operational performance while maintaining high service standards.

Qualifications and Competencies:

• Bachelor’s Degree in a Social Science or related field Professional Qualifications / Membership to professional bodies/ Publication.

Relevant professional qualification:

• Member of a relevant professional body.

Work Experience Required:

• Over Ten (10) years’ relevant experience with over Three (3) years in management in a similar organization.
• Strong leadership skills.
• Executive disposition. 
• Demonstrate high levels of integrity.
• Excellent communication and interpersonal skills.

go to method of application »

Job Purpose:

The job holder is responsible for:

• Driving branch performance against key performance standards as communicated and agreed with the head of business segment in areas such as; Balance sheet growth (funded and non-funded lines) sales growth & income contribution, cost performance, credit management, employee satisfaction, customer experience & Operational risk & control management.
• Providing the right leadership to branch staff and inculcate a high-performance culture at branch level.

Key Responsibilities:

• Prospect for new business from new and existing clients.
• Prepare call reports with recommendations and submit them for approval.
• Drive branch business performance by achieving growth in performance parameters.
• Monitor branch sales performance and portfolio growth to meet targets.
• Identify business improvement opportunities and suggest service enhancements, product improvements, and process changes.
• Understand local business drivers impacting branch performance. 
• Submit weekly activity reports including business acquired and customer issues. 
• Analyze financial statements, assess credit requests, and present findings and recommendations to approvers.
• Manage collateral registration process and ensure timely securities perfection. 
• Oversee excess drawings and loan arrears to maintain asset quality. 
• Ensure branch service excellence through monitoring and resolution planning. 
• Build a motivated branch team, ensure compliance, and monitor operational performance while maintaining high service standards.

Qualifications and Competencies:

• Bachelor’s Degree in a Social Science or related field Professional Qualifications / Membership to professional bodies/ Publication.

Relevant professional qualification:

• Member of a relevant professional body.

Work Experience Required:

• Over Ten (10) years’ relevant experience with over Three (3) years in management in a similar organization.
• Strong leadership skills.
• Executive disposition. 
• Demonstrate high levels of integrity.
• Excellent communication and interpersonal skills.

go to method of application »

Job Purpose:

The job holder is responsible for:

• Driving branch performance against key performance standards as communicated and agreed with the head of business segment in areas such as; Balance sheet growth (funded and non-funded lines) sales growth & income contribution, cost performance, credit management, employee satisfaction, customer experience & Operational risk & control management.
• Providing the right leadership to branch staff and inculcate a high-performance culture at branch level.

Key Responsibilities:

• Prospect for new business from new and existing clients.
• Prepare call reports with recommendations and submit them for approval.
• Drive branch business performance by achieving growth in performance parameters.
• Monitor branch sales performance and portfolio growth to meet targets.
• Identify business improvement opportunities and suggest service enhancements, product improvements, and process changes.
• Understand local business drivers impacting branch performance. 
• Submit weekly activity reports including business acquired and customer issues. 
• Analyze financial statements, assess credit requests, and present findings and recommendations to approvers.
• Manage collateral registration process and ensure timely securities perfection. 
• Oversee excess drawings and loan arrears to maintain asset quality. 
• Ensure branch service excellence through monitoring and resolution planning. 
• Build a motivated branch team, ensure compliance, and monitor operational performance while maintaining high service standards.

Qualifications and Competencies:

• Bachelor’s Degree in a Social Science or related field Professional Qualifications / Membership to professional bodies/ Publication.

Relevant professional qualification:

• Member of a relevant professional body.

Work Experience Required:

• Over Ten (10) years’ relevant experience with over Three (3) years in management in a similar organization.
• Strong leadership skills.
• Executive disposition. 
• Demonstrate high levels of integrity.
• Excellent communication and interpersonal skills.