Job Vacancies at Commercial International Bank (CIB) Kenya

Job Purpose Statement

• The Head of Distribution is responsible for providing strategic leadership and oversight of the Bank's branch network and distribution channels to achieve sustainable business growth, operational excellence, superior customer experience, and profitability. The role drives execution of the Bank's retail and commercial distribution strategy, ensuring branches operate efficiently, deliver exceptional customer service, meet business targets, maintain regulatory compliance, and effectively manage risks.

Key Responsibilities

Financial:

• Develop and execute the Bank's distribution strategy to achieve sustainable revenue growth and profitability.
• Drive achievement of branch business targets including deposits, lending, transaction volumes, fee income, and cross -selling of products.
• Monitor branch financial performance and implement corrective actions to improve productivity and profitability.
• Optimize branch network performance through effective resource allocation and business planning.
• Drive growth in customer acquisition, wallet share, and market penetration across all regions.
• Ensure efficient cost management and improve cost -to-income ratios across the branchnetwork.
• Lead initiatives to improve sales effectiveness and maximize returns on distribution investments.

Customer:

• Champion a customer - centric culture across all branches to deliver consistent, high -quality customer experiences.
• Develop initiatives that improve customer acquisition, retention, loyalty, and satisfaction.
• Ensure timely resolution of customer complaints and service issues in accordance with established service standards.
• Drive consistent delivery of service excellence through adherence to customer service standards and service level agreements.
• Strengthen the Bank's market presence by enhancing accessibility and effectiveness of branch channels.
• Promote cross -selling and relationship management to deepen customer engagement.
• Monitor customer feedback, service quality indicators, and Net Promoter Score (NPS) or equivalent customer satisfaction metrics.
• Ensure consistent implementation of customer experience initiatives across all branches.

Internal Business Processes:

• Provide overall leadership and governance of all branch operations nationwide.
• Ensure all branches operate in compliance with regulatory requirements, internal policies, and risk management standards.
• Drive operational excellence through continuous process improvement and standardization.
• Oversee implementation of branch operating procedures, controls, and service delivery standards.
• Strengthen operational risk management and ensure effective internal controls across the branch network.
• Collaborate with Risk, Compliance, Operations, Technology, and Product teams to improve branch efficiency and service delivery.
• Monitor key operational metrics including turnaround times, service quality, productivity, and compliance.
• Lead branch transformation initiatives including digital adoption and alternative distribution channels.
• Ensure business continuity and operational resilience across all distribution channels.
• Drive execution of strategic projects affecting the branch network.

People & Learning :

• Provide inspirational leadership to Branch sales Managers, and branch teams.
• Build a high -performance culture focused on accountability, collaboration, customer service, and business growth.
• Develop leadership capability through coaching, mentoring, succession planning, and talent development.
• Drive employee engagement initiatives that improve motivation and retention.
• Establish clear performance expectations and ensure effective performance management across the branch network.
• Identify capability gaps and implement training and development programs.

Job Requirements

• Bachelor's Degree in Business, Finance, Accounting, Economics or related field.
• At least 7 years' experience with 4 years in Branch Management
• Leadership and management skills
• Sales and marketing skills
• Demonstrates good understanding of CBK guidelines
• Excellent written and verbal communication skills

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Job Purpose Statement

• Responsible for growth of Banking business in own portfolio; including acquisition of securing new clientele, selling banking products, ensuring top -notch relationship management, growth of wallet share of existing clients , and enhancing product utilization through cross -selling efforts.

Key Responsibilities

Financial - As a Branch Relationship Manager at CIB Kenya, you will have a significant impact on the bank's financial performance and growth trajectory. Your responsibilities encompass a wide range of strategic financial initiatives:

• Onboarding New Clients: You will actively identify and pursue new -to-bank customers, utilizing your market insight and networking skills to expand the bank's client base. Your ability to establish rapport and communicate the bank's value proposition will be crucial in building strong initial relationships.
• Revenue Generation: With a keen understanding of financial markets and products, you will develop and execute strategies to maximize revenue and profitability within your portfolio. Your analytical skills and business acumen will guide you in identifying opportunities for revenue enhancement and sustainable growth.
• Deposit Mobilization: You will play a pivotal role in optimizing liquidity management by mobilizing deposits from clients. Your efforts will contribute to the bank's funding stability and its ability to meet operational and lending requirements.
• Credit Portfolio Management: By actively engaging with creditworthy clients, you will contribute to the composition of a well -balanced loan portfolio. Your expertise in risk assessment and credit analysis will ensure that the bank's lending practices remain prudent and aligned with r egulatory guidelines.
• Cost of Funds Optimization: Your focus on acquiring CASA and transactional accounts will directly impact the bank's cost of funds. By attracting low - cost deposits, you will
• enhance the bank's overall funding efficiency and competitiveness.
• Cross - Selling: Leveraging your deep understanding of clients' needs and preferences, you will promote and cross -sell a diverse range of bank products and services. This strategic approach will not only deepen client relationships but also contribute to incremental reven ue streams.
• Risk Management: Your vigilant monitoring of credit quality and portfolio performance will help maintain a low portfolio at risk. Your ability to proactively identify and address potential risks will be instrumental in safeguarding the bank's interests.
• Wallet Share Maximization: By providing tailored financial solutions and cultivating client loyalty, you will ensure that the bank captures a significant portion of clients' wallet share.
• Your strategic account management will contribute to the bank's market dominance and sustainable growth.

Customer - As a dedicated Branch Relationship Manager, you will be the face of CIB Kenya to your clients, playing a pivotal role in delivering exceptional customer experiences and building lasting relationships:

• Customer Service Excellence: Your commitment to delivering exceptional customer
• service will create a positive and memorable banking experience for clients. Your
• responsiveness and attention to detail will ensure that clients' needs are met promptly and effectively.
• Quick Turnaround: Your ability to expedite processes and provide swift responses will contribute to a seamless and efficient customer journey. Your proactive approach will help clients navigate their banking requirements with ease.
• Customer Retention: Through personalized interactions and a deep understanding of clients' businesses, you will foster loyalty and retention. Your dedication to addressing client concerns and providing value - added solutions will solidify long -term relationships.
• Advisory Role: Your financial acumen and industry expertise will position you as a trusted advisor to clients. By offering insights and tailored financial solutions, you will help clients make informed decisions that drive their business success.
• Referral Generation: Your commitment to exceeding client expectations will naturally lead to referrals and positive word -of-mouth. Your ability to create advocates among your clients will contribute to the bank's organic growth.
• Dedicated Relationship Manager: As the primary point of contact, you will provide clients with personalized attention and support. Your availability and willingness to go the extra mile will reinforce the bank's commitment to exceptional client service.
• Internal Business Process es - Your meticulous attention to internal processes, compliance, and communication will be critical to maintaining operational efficiency and managing risks effectively:
• Credit Documentation: Your thorough understanding of credit documentation requirements will ensure that credit applications are complete, accurate, and in compliance with internal and regulatory standards.
• Credit Analysis: Your contribution to the credit analysis process will provide valuable insights into clients' creditworthiness and repayment capacity. Your ability to assess risk will support informed credit decisions.
• KYC Compliance: Your adherence to stringent KYC documentation procedures will mitigate risks associated with money laundering, fraud, and other financial crimes. Your attention to detail will help safeguard the bank's reputation and integrity.

Controls and Processes: Your commitment to following internal controls and processes will contribute to the bank's operational efficiency and compliance with industry regulations.

• Your meticulous approach will help prevent operational lapses.
• Customer Communication: Your clear and consistent communication with clients will
• keep them informed about their banking transactions, account activities, and any relevant updates. Your transparency will foster trust and confidence.
• Service Level Agreement: By consistently meeting or exceeding service level agreements, you will ensure that clients' expectations are consistently met. Your
• commitment to timeliness and accuracy will reinforce the bank's reliability.
• Interdepartmental Coordination: Your ability to collaborate effectively with various internal departments will ensure seamless execution of customer transactions. Your role as a bridge between clients and the bank's operations will facilitate efficient service delivery.

Functional responsibilities - Your role extends beyond client interactions to encompass

• strategic planning, risk assessment, and sales strategy development:
• Project Support: Your involvement in project proposals and support will contribute to the bank's innovation and growth initiatives. Your creative thinking and solution -oriented approach will drive the successful implementation of projects.
• Sales Strategies: Your development and execution of sales strategies aligned with KPIs will directly impact your portfolio's growth and revenue generation. Your analytical skills and market insights will inform effective sales tactics.
• Risk Assessment: Your ability to assess risks associated with business decisions will be guided by a keen awareness of the bank's reputation and clients' assets. Your decisions will contribute to the bank's risk management practices and regulatory compliance.
• Reputation Management: Upholding the bank's reputation through ethical conduct and adherence to industry standards will be a cornerstone of your role. Your commitment to maintaining the highest standards of professionalism will contribute to the bank's credibility.

Job Specification

Academic

• Bachelor ’s degree in business , Finance, Economics, Accounting & Marketing.
• Master’s degree is an added advantage.

Professional Qualifications & Experience

• Professional qualification in Credit Analysis is an added advantage.
• Professional qualification in Sales is an added advantage.

Desired Work Experience

• At least 5 years’ experience in a similar role .
• Must have experience in Banking or Business Banking .

Personal Attributes & Skills

• Strong inter -personal skills & communication skills
• Problem solving skills.
• Ability to prioritize and work under pressure.
• Attention to detail.
• Collaboration/ Teamwork
• Presentation skills & knowledge of Ms. Office Applications
• Kknowledge of banking products and credit policies/ procedures
• Credit Skills – understanding of financial statements and ability to perform financial analysis/ modelling/ credit appraisals.