Job Purpose:
The Senior Manager – ESG is responsible for designing, implementing, and managing the Bank’s ESG strategy, policies, and reporting framework. This role will ensure the integration of sustainability and responsible banking practices into the Bank’s operations, lending, investment, and transformation initiatives. The incumbent will drive ESG compliance, stakeholder engagement, and innovation, positioning the Bank as a leader in sustainable finance during its transformation journey
Key Responsibilities:
ESG Strategy & Integration
- Develop and implement the Bank’s ESG strategy aligned to regulatory requirements, international frameworks (e.g., TCFD, UN PRI, GRI, SASB, IFC Performance Standards), and the Bank’s transformation agenda.
- Embed ESG considerations into lending, investment, risk management, procurement, and overall business decision-making.
- Partner with business units to design sustainable finance products and services (green loans, sustainability-linked bonds, renewable energy financing).
Governance & Risk Management
- Establish and maintain ESG governance structures and frameworks across the Bank.
- Identify, assess, and manage ESG risks, including climate, reputational, social, and governance risks.
- Support the Chief Risk Officer and Management Committees in setting ESG risk appetite and monitoring exposures.
Reporting & Compliance
- Lead the development of ESG disclosures, sustainability reports, and integrated reports in line with regulatory requirements and international standards.
- Monitor compliance with ESG-related regulatory guidelines, Central Bank directives, and sustainability reporting frameworks.
- Provide ESG insights and updates to Management, Risk Committees, and the Board.
Stakeholder Engagement
- Engage with regulators, investors, rating agencies, NGOs, and other stakeholders on ESG matters.
- Build partnerships with development finance institutions (DFIs), donors, and sustainability networks to support ESG financing opportunities.
- Drive customer and community engagement on sustainability and responsible banking initiatives.
Transformation & Change Management
- Ensure ESG considerations are embedded into the Bank’s transformation projects, including digitalization, process redesign, branch modernization, and cultural change programs.
- Advise on sustainable procurement, green operations, and energy efficiency initiatives within the Bank.
- Support the Bank’s commitment to achieving Net Zero and other sustainability pledges.
Capacity Building & Culture
- Develop ESG awareness and training programs for staff, management, and the Board.
- Champion a sustainability culture within the Bank, ensuring alignment of business goals with ESG values.
- Mentor ESG staff and cross-functional teams to enhance capability.
Qualifications & Experience
- Bachelor’s degree in environmental science, Finance, Economics, Sustainability, Business, or related field.
- Master’s degree and/or professional certification (e.g., CFA ESG, GARP SCR, SASB FSA, Sustainability Reporting Certification) preferred.
- Minimum 8-10 years’ experience, with at least 5 years in ESG, sustainability, responsible finance, or risk management within financial services or consulting.
- Strong understanding of ESG frameworks (GRI, SASB, TCFD, UN SDGs, Equator Principles).
- Experience in sustainable finance products, climate risk assessment, and stakeholder engagement.
- Exposure to ESG integration in a banking transformation context is highly desirable.
Key Competencies
Technical Competencies
- Expertise in ESG risk management and sustainability reporting.
- Knowledge of climate risk, social impact, corporate governance, and sustainable finance instruments.
- Strong data analysis and reporting skills (Power BI, ESG reporting software).
- Familiarity with regulatory ESG requirements and emerging sustainability trends in banking.
Behavioral Competencies
- High integrity and professional judgment.
- Strong leadership and influencing skills with the ability to engage senior stakeholders.
- Excellent communication and advocacy skills, with ability to translate ESG concepts into business opportunities.
- Strategic thinker with an innovative mindset.
- Resilience and adaptability in a transformation environment.
- Performance Measures
- Development and execution of the Bank’s ESG strategy.
- Timeliness and quality of ESG disclosures and regulatory compliance.
- Successful integration of ESG into lending, investment, and risk frameworks.
- Growth of sustainable finance products and portfolios.
- Stakeholder satisfaction and positive ESG ratings.
- Increase in staff ESG awareness and adoption of sustainable practices.
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Job Purpose:
The Manager ICT risk is responsible for establishing, implementing, and maintaining the Bank’s ICT Risk Management Framework in compliance with the Central Bank of Kenya (CBK) Guidelines and global standards which include ISO 27001, NIST CSF, COBIT, Basel Accords and other best practices.
This role provides oversight of ICT risk, cybersecurity, vendor/third-party risk, and operational resilience. It ensures effective risk governance, regulatory compliance, and supports the Bank’s digital transformation agenda while safeguarding customer data, systems, and reputation.
The Manager ICT risk closely with ICT, Cybersecurity, Operations, Internal Audit, ExCo, and the Board Risk Committee to ensure technology risk exposures are identified, mitigated, monitored, and reported effectively
Key Responsibilities:
ICT Risk Framework & Governance
- Develop, implement, and maintain the ICT Risk Management Framework aligned to CBK/PG/08,
- Prudential Guidelines, and ISO/NIST/COBIT standards.
- Review ICT policies, procedures, and controls across the Bank.
- Define and monitor ICT risk appetite, Key Risk Indicators (KRIs), and emerging risks, reporting to
- ExCo and the Board Risk Committee.
- Prepare and present ICT risk dashboards, incident reports, and governance updates to ICT
- Steering Committee, Service Council, Risk Champions, and Board Risk Commitee.
- Drive ICT risk awareness and training to embed a risk-aware culture across the Bank.
- Align the IT Risk Framework with the Banks overall strategy.
ICT Risk Identification, Assessment & Mitigation
- Ensure ICT risk assessments are conducted, Risk Control Self-Assessments (RCSAs), and control testing for systems, infrastructure, and digital platforms.
- Ensure identification of risks across core banking, mobile/internet banking, agency, card systems, fintech integrations, and cloud solutions.
- Ensure update the ICT risk register, dashboards, and heat maps.
- Work with ICT Security to review cyber threats, vulnerabilities, and incident responses.
- Track closure of ICT risk issues, regulatory findings, and internal/external audit recommendations.
- Provide assurance on IT resource adequacy, capacity, and allocation, ensuring resourcing decisions do not expose the Bank to operational or compliance risks
Technology Projects & Change Risk Advisory
- Provide ICT risk advisory for new products, core banking upgrades, and new systems implementation.
- Support the Change Advisory Board (CAB) by reviewing risks in major system changes.
Cybersecurity & ICT Oversight
- Oversee penetration test and vulnerability assessment results, ensuring timely remediation.
- Monitor privileged access controls and cyber incident logs for risk exposures.
- Ensure compliance with PCI DSS, ISO 27001, and CBK directives.
- Safeguard confidentiality, integrity, and availability of data in compliance with the Data Protection Act 2019.
Business Continuity & Resilience (BCP & BIA)
- Lead Business Impact Analysis (BIA) to identify critical ICT systems, processes, and dependencies.
- Drive regular Business Continuity (BCP) and Disaster Recovery (DR) testing, scenario simulations, and ensure results are documented, tracked, and reported to CBK, ExCo, and the Board Risk Committee.
- Monitor resilience gaps and ensure corrective actions are closed.
Vendor & Third-Party Risk Management
- Conduct risk assessments for outsourced ICT services, fintech partners, and third-party service providers.
- Ensure vendor contracts and SLAs include regulatory, ICT security, and resilience obligations.
- Monitor vendor performance and escalate significant risks to management.
Fraud Risk & Revenue Assurance Oversight
- Review fraud-related ICT incidents, ensuring root cause analysis and closure of control gaps.
- Evaluate revenue assurance risks such as failed billing, duplicate reversals, or leakage, and recommend remediation.
- Report fraud/revenue assurance risk trends to CRO to facilitate reporting to Executive Commitee and Board Risk Committee.
Monitoring, Reporting & Regulatory Liaison
- Conduct compliance reviews against CBK Prudential Guidelines, Risk Management Guidelines, and other ICT-related regulations.
- Provide ICT risk regulatory reporting to CBK, including posture, incidents, and BCP/DR test outcomes.
- Prepare ICT risk dashboards, KRI reports, and heat maps for senior management, Executive Commitee and Board governance committees.
- Liaise with Internal/External Audit and CBK inspectors on ICT risk matters, ensuring timely closure of findings.
- Continuously scan the external environment to for emerging risks and new regulations impacting ICT Risk Framework.
Leadership & Capacity Building
- Supervise and mentor ICT Risk staff to deliver departmental objectives.
- Build capacity across the Bank in ICT risk management, fraud risk awareness, and resilience practices.
- Recommend tools, systems, and automation to enhance ICT risk monitoring and reporting.
- Support the CRO in managing broader IT, operational and reputational risks as required.
Qualifications & Experience
- Bachelor’s degree in information technology, Computer Science, Cybersecurity, or Risk Management.
- Master’s degree preferred.
- Professional certifications: Either CRISC, CISSP, CISM, CISA, CISSP, IRMCert, ISO 27001 Lead
- Implementer/Auditor, PCI DSS lead implementor/Auditor, ITIL, PrinceII/PMP,
- 6–8 years’ ICT risk, audit, or security experience in banking/financial services.
- Strong knowledge of CBK Prudential Guidelines, CBK/PG/08 ICT Risk Guidelines, Data Protection Act 2019, Basel II/III, PCI DSS.
- Experience with ICT project risk advisory, BCP/DR testing, vendor risk management, and
- fraud/revenue assurance oversight
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Job Purpose:
- The Manager – Credit Risk is responsible for monitoring, assessing, and managing credit risk across the Bank’s portfolios to ensure sustainable growth, regulatory compliance, and alignment with the Bank’s transformation agenda. The role involves strengthening credit risk management frameworks, providing independent oversight on lending decisions, and ensuring that new digital products, fintech partnerships, and innovative lending models are effectively risk-assessed.
Key Responsibilities:
Credit Risk Governance & Framework
- Work with credit department to ensure development and implementation of robust credit risk policies, procedures, and frameworks in line with regulatory requirements and best practices.
- Contribute to the development of the Bank’s risk appetite framework, with a focus on credit exposures across all segments (Retail, MSME, Corporate, Digital/Fintech) in conjunction with credit department.
- Support automation and digital transformation of credit processes, including scoring models.
Oversight on the Credit Appraisal & Approval processes
- Independently review and challenge credit proposals, ensuring compliance with policy, regulatory guidelines, and risk appetite.
- Provide expert opinion on complex credit applications and large exposures before escalation to senior committees.
- Support the credit approval process for innovative products such as digital lending, buy-now-paylater, and unsecured SME products.
Portfolio Monitoring and Risk Analytics
- Monitor credit portfolio performance, concentration, and trends across business lines and branches.
- Prepare regular portfolio risk dashboards, reports, and insights for Senior Management and the Board.
Development & Maintenance of Risk Registers and credit risk limits
- Work with credit department to proactively set and review Credit risk limits
- Continuous update of the Risk register on Credit Risk
- Assist Management in defining and proposing revisions of risk appetites for Credit Risk
- Ensure monthly collation of data on the KRIs for credit Risk.
- Recommend improvement in credit appetite, process, procedures and policy as a result of risks identified from the monthly monitoring of KRIs
Impairment, Provisioning & Capital Management
- Oversee IFRS 9 credit impairment models, provisioning adequacy, and risk-adjusted capital allocation.
- Collaborate with Finance and Credit departments to ensure accuracy and timeliness of reporting on provisions as per IFRS 9 and CBK Prudential Guidelines
- Provide inputs into Internal Capital Adequacy Assessment Process (ICAAP) on credit risk related aspects
Credit Risk Assessments and Quality Assurance
- Work with product, digital, and business transformation teams to assess credit risk implications of new products, channels, and partnerships.
- Evaluate fintech and alternative lending models, ensuring sound risk controls and credit underwriting standards.
- Strengthen use of data analytics, credit scoring, and alternative credit risk assessment models.
- Snap check on head office and branches to assess risks within credit processes.
Regulatory & Internal Compliance
- Ensure full adherence to regulatory requirements, central bank guidelines, and internal policies.
- Support regulatory inspections and provide timely, accurate reporting on credit risk.
- Implement corrective actions from audits, regulatory feedback, and internal reviews.
- Prepare comprehensive stress tests for management and regulatory reporting.
Stress Testing & Scenario Analysis
- Establish and continuously enhance credit risk measurement systems including loss valuation models, sensitivity analysis and scenario analysis.
- Conduct stress tests for Credit risks in line with CBK regulations.
- Provide actionable recommendations from the stress tests conducted to aid management in decision making.
- Perform regular stress testing, scenario analysis, and early warning assessments to detect vulnerabilities to assist Management in decisions relating to credit risk.
Reporting
- Weekly reports to Management on any significant existing and emerging credit risk exposures facing the bank.
- Prepare Monthly reports to Management Credit Committee and Quarterly Board reports on Credit Risks
Management of Risk Event Reporting and Emerging Risk Exposures
- Ensure preparation of implementation plans on issues raised from risk event reports and risk assessments.
- Follow up for closure of issues raised and aversion of repeat incidences.
Capacity Building & Collaboration
- Provide guidance, mentorship, and training to credit risk analysts and officers where necessary
- Foster collaboration with Business, Compliance, Legal, and Operations to balance risk and growth.
- Promote a culture of disciplined credit risk management across the Bank.
Qualifications & Experience
- Bachelor’s degree in finance, Accounting, Economics, Banking, Statistics, or related field.
- Master’s degree or professional qualification (e.g., CFA, FRM, CPA, ACCA) preferred.
- At least 8–10 years of experience in credit risk management, underwriting, or related functions in banking/financial services.
- Strong knowledge of credit risk frameworks, Basel II/III, IFRS 9, and regulatory guidelines.
- Experience with digital lending, credit analytics, and transformation initiatives is a strong advantage.
- Proficiency in risk modeling, data analysis, and risk reporting tools (Excel, SAS, Python, or similar)
Key Competencies
Technical Competencies
- In-depth understanding of credit risk assessment, modeling, and monitoring.
- Strong quantitative and analytical skills.
- Knowledge of digital lending models, scoring systems, and risk automation tools.
- Familiarity with regulatory frameworks and credit risk capital requirements.
- Behavioral Competencies
- High integrity, independence, and professional judgment.
- Strong communication and influencing skills, especially with senior stakeholders.
- Problem-solving and decision-making abilities.
- Adaptability and resilience in a fast-changing transformation environment.
- Leadership and team development skills.
- Performance Measures
- Effectiveness of credit risk framework implementation.
- Portfolio quality indicators (NPL ratios, impairment coverage, concentration risk).
- Timeliness and quality of credit risk reporting.
- Regulatory compliance and inspection outcomes.
- Success in embedding credit risk considerations in transformation projects.
- Staff capacity development and engagement within the credit risk team.
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