Job Openings at SBM Bank

Job Purpose:

This role will be under Products & Innovations unit and will work closely with Business teams, Product Owners, Developers, and stakeholders to transform business requirements into elegant and user-friendly digital solutions.

Key roles and responsibilities

• Product Design & Prototyping: Translate product concepts into user flows, wireframes, mockups, and interactive prototypes.
• UI Development: Create high‑fidelity designs, graphical interface elements (menus, tabs, widgets), and responsive layouts across platforms.
• Design Systems: Develop and maintain a design system to ensure scalability, consistency, and efficiency across digital platforms.
• Customer Journey Mapping: Lead journey mapping workshops, document journeys, and roll out across teams.
• Usability Testing: Plan and conduct usability sessions with staff and customer focus groups, iterating designs based on feedback.
• Customer Experience Review: Continuously analyze digital user experiences using analytics, customer feedback, app ratings, and usability metrics. Prepare executive summaries with actionable insights.
• Accessibility & Inclusive Design: Ensure compliance with accessibility standards (e.g., WCAG) and design for diverse customer needs.
• Cross‑Functional Collaboration: Partner with business users, product owners, developers, and stakeholders to deliver human‑centered digital products.
• Data‑Driven Iteration: Use A/B testing, heatmaps, and behavioral analytics to refine and optimize user experiences.
• Innovation: Actively contribute to ideation workshops and digital innovation initiatives, exploring emerging technologies such as AI‑driven personalization, conversational interfaces, and voice UI.
• Performance Optimization: Monitor UI responsiveness, accessibility scores, and digital channel performance benchmarks.
• Stakeholder Engagement: Communicate design decisions clearly, influence stakeholders, and advocate for design thinking across the organization.
• Mentorship: Support junior designers and foster a culture of design excellence.

Work Experience and exposure

• 3-4 years’ experience in busy development environment focusing on User Experience preferably financial services solutions e.g. mobile banking, APIs and open banking
• Exposure in handling multiple concurrent projects
• Deep knowledge and experience in conducting user research, interviews, usability studies, surveys and customer journey mappings, translating findings into UI/UX design requirements.
• Knowledge of financial industry, fintech or telecommunication is a plus
• Experience designing responsive and cross-platform interfaces (mobile-first, web, USSD is a plus)
• Awareness of regulatory, security, and compliance considerations in digital banking (e.g., data privacy, authentication flows)
• Proper understanding of visual elements (layout, typography, visual hierarchy, colour theory)
• Technical Skills and Proficiency in design tools e.g.
  • Figma,
  • Adobe XD,
  • Sketch,
  • Photoshop,
  • Illustrator
• Must be a good communicator and have excellent relationship management skills to explain design decisions to stakeholders and win their support
• Applicants are required to submit a sample UI/UX portfolio highlighting their work as part of their application.
• Familiarity with front‑end technologies (HTML, CSS, basic JavaScript) is an added advantage.
• Experience with design‑to‑development handoff tools (e.g., Zeplin, Figma Inspect, design tokens).

Key KPIs and outcomes

• Monitor digital channels usability metrics and customer feedback (Mobile and internet banking).
• Digital Channels adoption rate
• Conversion of branch transactions to digital channels
• Transaction abandonment rate
• Apps review on AppStores/PlayStore

Academic Qualifications and soft skills

• Bachelor’s degree in IT and related fields
• Certificate in Human Centered Design or closely related area
• Presentation and Business writing Skills
• Knowledge of front-end technologies such as HTML, CSS, and basic JavaScript concepts is an added advantage.

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Job Purpose:
The overall responsibility of this role is to ensure that the bank complies with the Banking Act and the CBK Prudential Guidelines by generating, analyzing, compiling and submitting accurate and timely statutory reports and preparing the Quarterly and Annual Published Financials.

Key Responsibilities

Regulatory Reporting (70%)

• Accurate and timely submission of CBK reports.
• Accurate and timely submission of monthly KDIC reports.
• Preparation of Quarterly and Annual Publication and ensure that the Bank’s financials are published within the CBK timelines.
• Assist in the preparation of the annual financial statements and relevant notes.
• Co-ordinate external Interim and year-end audit procedures.
• Respond to queries/questionnaires raised by CBK, KBA and Audit firms.
• Continuous updating of templates to capture new/updated reporting lines and new returns.
• Assist in Budget and forecasting by performing regular analysis, projections, and simulations of scenarios to ensure that decisions are made in good time.
• Regular monitoring of set ratios and statutory limits and advise management on preventive actions to take. Support strategic initiatives of the Bank.
• Accurate and timely submission of Group Capital Adequacy schedules.
• Support ALCO by preparation and timely submission of schedules.
• Support the preparation of ICAAP and stress testing reports.
• Respond to queries raised by Head office team/performance management team.
• Assist in the preparation of Management and Group accounts.

Controls (20%)

• Identify areas of improvements and recommend corrective actions to IT or Project team
• Continually review and improve procedures assuring high level of control and accounting is maintained as well as improving efficiency.
• Ensuring that the integrity of the operating environment meets audit and regulatory standards.
• Appropriately assess risks when business decisions are made.
• Ensure procedural documentation is kept up to date.
• Balance sheet substantiation of allocated GLs.
• Continuous alignment of system numbers to reports.
• Closure of all audit issues raised by CBK, internal and external auditors.
• Ensuring Zero penalties on CBK reporting by ensuring full compliance.
• Train others on CBK prudential guidelines, IFRS/IAS standards, controls etc.

Revenue (10%)

• Monitor income reporting lines monthly to ensure there are no income leakages.
• Monitor expense reporting lines monthly to ensure expenses have been correctly captured and any mis-posts have been corrected.
• Continuously explore other areas of generating revenue in line with best practice.

Direct Reports to this Position

None

Key Relationships

Customers of this Position

• Central Bank of Kenya
• Kenya Deposit Insurance Corporation (KDIC)
• External Auditors
• Internal Auditors
• All bank departments
• SBM Group

Knowledge, Skills and Experience Required for this Role

Job Knowledge

• Extensive knowledge in financial reporting, financial analysis, IFRSs, IASs, Chart of Accounts and the CBK Prudential Guidelines.

Job Experience

• Minimum of 8 years of experience working in the Finance Department; or
• 5 years working in an audit firm (Big 4).

Education

• Bachelor’s degree in Finance, Accounting or Business-related field.
• Certified Public Accountant – CPA(K) / ACCA accredited.
• Master’s degree will be an added advantage.

Competencies Required for this Role

• Expert in use of Microsoft Office applications (Excel, PowerPoint, Word).
• Experienced problem solver with an ability to rapidly assimilate complex information across a variety of financial disciplines.
• Strong interpersonal skills to liaise and meet stakeholders’ demands.
• Demonstrated ability to work effectively across business units taking ownership and delivering results.
• Ability to handle multiple initiatives simultaneously with attention to detail in a fast-paced environment.
• Strong communication skills, oral and written, with ability to converse with a wide variety of people across functions.

Budgetary Responsibilities

None.

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Job Purpose

Ensure timely processing of Payments, Trade & TBO transactions in line with current policies and procedure.

Financial & Management Development:

• Enhance the bank’s revenue targets by ensuring 100% revenue collection for all treasury products.
• Ensure complete and accurate processing of all payment, trade & TBO finance transactions and collection of commissions thereof.
• Eliminate financial losses emanating from processing fraudulent transactions.

Customer Perspective:

• Provide a high quality of service to all clients within agreed SLAs.
• Customer complaints be resolved within TAT.
• Ensure high quality of communication to internal and external clients, both verbal and written.
• Take ownership when dealing with queries, offer suggestions and conclude constructively by investigating and resolving whilst protecting the bank’s reputation.
• No exceptions and incidents with respect to adherence to the service charter regarding customer satisfaction.

Operational Excellence:

• Confirm, monitor contract settlements and reconcile entries to confirm receipts and payments.
• Nostro accounts reconciliation
• Ensuring complete and accurate processing of all payments, trade & TBO contracts and related transactions in the swift and core banking system.
• Ensure opening and closing FX rates maintenance
• Prepare and submit regulatory reports on time
• Ensure all title documents are handled as per bank procedure and held under dual control.
• Ensure that all due diligent checks have been conducted with regard to compliance.
• Deal confirmation matching.
• Co-ordinate with other departments to ensure smooth and timely execution of client instructions.
• Query resolution and analysis
• Prepare audit reports for counterparties

Risk and Control:

• Custody of payments, trade & TBO contracts – Responsible for ensuring safekeeping of treasury trade documents within the department.
• Ensure minimal errors by ensuring accuracy in Payment, trade & TBO deals capturing in swift and core banking system.
• Ensuring departmental compliance to both local and external regulatory requirements e.g. Anti-Money Laundering, US sanctions, CBK guidelines.
• Ensure that monthly reconciliation schedules and risk attestations are carried out and submitted.

Learning and Development:

• Execution of any other duty as allocated from time to time by senior management.
• Keeping up with any developments in the department so as remain informed and relevant.
• Provide support to the team leader ensuring effective teamwork across the payment, trade & TBO.
• Support and adopt the implementation of change initiatives.
• Provide suggestions to the line manager on improvements and solutions based on knowledge of payment, trade & TBO.
• I continuously look for opportunities to further develop own skills and expand knowledge base.
• Obtain constant feedback on personal development from your line manager and other team leaders.
• Train and develop back-ups within the department to ensure continuity of business.

Direct Reports to this Position

• Payment, Trade & TBO Officers

Customers of this Position

• Treasury, Correspondent Banking, Finance, Credit, all branches.

Knowledge; Skills and Experience required for this Role

• Proficiency in computer packages e.g. MS Word and Excel
• Accuracy
• Attention to details
• Ability to work under pressure
• Ability to meet specified deadlines to contribute to attaining organizational goals.
• Business graduate and postgraduate from an accredited University
• Excellent Communication skills
• Minimum of five years of working experience in payments, trade and TBO.
• Professional qualifications – Specialist training e.g. ACI Operations, Trade CDCS, CSDG etc. as an added advantage.
• Excellent interpersonal skills

Competencies required for this Role

• Team spirited
• Eager to learn, coach and mentor
• Pro-active

Problem Solving

• Analytical
• Self-Driven
• Professionalism
• Innovation

Accountability

• Delegated Authority.
• Custody of payments, trade & TBO documents

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JOB PURPOSE

The Sales Representative will be responsible for introducing & selling the consumer banking products to potential customers. The main responsibilities include business growth & development, identifying opportunities to increase sales, and assisting in the development and execution of sales and marketing plans through offering exemplary customer excellence to build long-term profitable customer relationships.

KEY RESPONSIBILITIES

Business Growth & Development - 60%

• Identify retail opportunities and prospects through systematic prospecting, visiting and onboarding of new potential retail customers in the signed-up scheme companies. 
• Deliver exceptional sales performance by identifying and meeting customer needs through selling & cross selling of assigned Consumer Banking products and services.
• Provide direct sales support (quality lead generation and effective follow-up) to generate and convert quality leads into sales. 
• Participate in specific consumer banking product campaigns to generate awareness to the customers.
• Meet and exceed targets for specific consumer banking sales campaigns on a weekly, monthly and quarterly basis.
• Ensure governance and compliance in processing of customer documentation aligned to account opening process for customers and submit to the line manager for review before submitting to Account Management Unit for processing. 
• Follow up with customers to ensure seamless account opening process and 100% efficiency in delivery of newly opened account information.

Relationship management - 30%

• Maintain a stable relationship with the companies’ key contacts by providing excellent quality service and maintaining high visibility through regular courtesy calls and visits. 
• Maintain an updated record on the scheme portfolio at all times to mitigate losses.
• Liaise with business development teams to identify opportunities within their portfolios and to deepen relationships with the existing bank customers. 
• Plan for and attend service open days & activations within selected scheme companies to handle queries.

Customer Service - 10%

• Minimize customer attrition by offering the required solutions to the customer and proactively responding to queries and complaints. 
• Achieve the required minimum client visits and customer engagement forums per year.
• Customer complaints and resolutions to be handled within the expected TAT. In case of escalations, follow through the approved bank escalation matrix.

KEY QUALIFICATIONS AND COMPETENCES

Knowledge, Skills and Experience required for this Role:

• Excellent understanding and interpretation of financial information. 
• Working knowledge of the Bank’s products & services.
• Good understanding of the banking industry trends, regulation, banks processes & standard operating procedures. 
• Sales experience, preferably in the banking or financial industry.

Education:

• Minimum of a Diploma in a business-related field.

Competencies required for this Role:

• Relationship Management & Interpersonal skills.
• Entrepreneurial and business acumen. 
• Strong networking skills.
• Self-motivated and result oriented. 
• Planning and organizing skills.