Housing Finance Company of Kenya was incorporated as the premier mortgage Finance Institution in Kenya licensed under the Banking Act with the CDC and the GoK owning 60% and 40% respectively.
Housing Finance started operations with the main objective of implementing the government’s policy of promoting thrift and home ownership by lending ...
Read more about this company
Principle Accountabilities
Business planning and growth
- Drive achievement of the set targets through customer growth and retention across all lines; deposits, lending, Cards, Agent banking and NFI
- Deposit mobilization
- Develop and refine telesales toolkits, client materials and training to reflect the various target proposition
- Performance Management - Run daily, weekly and monthly reviews with the sales staff to ensure the team is constantly engaged and ahead of targets
- Cost Management and Revenue Generation
- Drive cheap deposits to reduce on the cost of funds.
- People management
- Implement effective HR standards and strategies, manage succession plan, and retain key talent, constant discipline in performance management
- Motivate, Coach and Energize the Telesales staff positively to deliver the best results
- Engage the team in constant training to address training needs, implement training road maps to ensure an engaged Team
Operational risk controls and procedures.
- Implement processes to prevent mis-selling, misrepresentation, fraud and adherence to customer data confidentiality principles
- Ensure the Team adhere to all KYC guidelines and procedures, comply with local regulatory requirements, reflect best practices
- Ensure the team comply with all applicable money laundering prevention procedures and, in particular, report any suspicious activity to the Unit Money Laundering Prevention Officer
- Tracking and monitoring of TAT for the segment and working with stakeholders to ensure targets are met
People Management & Administration:
- Manage the sales staff by providing ongoing individual coaching and training to assure ensure achievement of sales goals, member retention and deepening member relationships.
- Continuous review & appraisal of sales staff performance and immediate corrective action.
- Ensure sales staff are motivated for maximum productivity
- Cultivate a team culture that enhances support for each other to ensure overall productivity.
- Arrange, conduct or recommend appropriate training for branch staff to enable them carry out their duties effectively & efficiently.
- Ensure discipline and adherence to staff code of ethics by sales staff.
- Ensure planned leave schedule & execution for branch sales staff.
Operational risk controls and procedures.
- Implement processes to prevent mis-selling, misrepresentation, fraud and adherence to customer data confidentiality principles
- Ensure the Team adhere to all KYC guidelines and procedures, comply with local regulatory requirements, reflect best practices
- Ensure the team comply with all applicable money laundering prevention procedures and, in particular, report any suspicious activity to the Unit Money Laundering Prevention Officer
- Tracking and monitoring of TAT and errors for sales staff and working with stakeholders to ensure targets are met
Key Competencies and Skills
General Competencies:
- Excellent written and oral communication skills.
- Excellent interpersonal skills with the ability to effectively work with individuals and groups at all organizational levels; ability to work independently and as part of a team.
- Excellent customer service skills with the ability to respond to inquiries or complaints effectively and in a timely.
- Ability to take initiative and prioritize tasks; good time-management, organization, problem-prevention, and problem-solving skills.
- Basic analytical ability with active listening skills.
- Good working knowledge of the MS Suite.
- Ability to work accurately with close attention to detail; must have eye for details, strong ability to scrutinize and examine.
- Ability to maintain confidentiality of sensitive information.
- Willingness to adapt to changing business needs and deadlines.
Minimum Qualifications, Knowledge and Experience
Education: Bachelor’s degree
Experience:
- Minimum of 3 years’ experience in sales management within the Banking Industry
- Demonstrate knowledge of banking operations
- Problem-solving and analytical skills
- Demonstrate integrity and ethical standards
- Attentive to details
go to method of application »
Principle Accountabilities
- Develop and execute a comprehensive multi-channel strategy, ensuring alignment with the group's innovation agenda.
- Drive the expansion and optimization of digital, physical, and partner-led distribution channels.
- Leverage data and market insights to enhance customer engagement and revenue generation.
- Lead and oversee a team of Scrum Masters, Commercial Leads and Product Owners to ensure effective Agile execution & delivery.
- Drive the development and iteration of business channel solutions using Agile methodologies.
- Foster a culture of continuous improvement, experimentation, and rapid innovation.
- Spearhead the digitization of business channels, working closely with IT and Product teams.
- Integrate emerging technologies, such as AI, automation, and data analytics, to enhance channel efficiency.
- Ensure seamless omnichannel experiences across digital platforms, mobile banking, and customer touchpoints.
- Develop and implement strategies to maximize channel profitability and customer acquisition.
- Develop and execute a comprehensive multi-channel strategy, ensuring alignment with the group's innovation agenda.
- Drive the expansion and optimization of digital, physical, and partner-led distribution channels.
- Leverage data and market insights to enhance customer engagement and revenue generation.
- Lead and oversee a team of Scrum Masters, Commercial Leads and Product Owners to ensure effective Agile execution & delivery.
- Drive the development and iteration of business channel solutions using Agile methodologies.
- Foster a culture of continuous improvement, experimentation, and rapid innovation.
- Spearhead the digitization of business channels, working closely with IT and Product teams.
- Integrate emerging technologies, such as AI, automation, and data analytics, to enhance channel efficiency.
- Ensure seamless omnichannel experiences across digital platforms, mobile banking, and customer touchpoints.
- Develop and implement strategies to maximize channel profitability and customer acquisition.
- Monitor and analyze channel performance, identifying opportunities for growth and efficiency.
- Optimize the cost structure while ensuring scalability and sustainability of business channels.
- Ensure seamless and consistent customer experiences across all business channels.
- Utilize customer insights and data analytics to refine and improve engagement strategies.
- Implement personalized and data-driven approaches to enhance customer retention and satisfaction.
- Collaborate with internal teams, technology partners, and third-party vendors to optimize channel performance.
- Establish and manage strategic partnerships that enhance distribution and service delivery.
- Align business channel strategies with key stakeholders, including other business team in the group, credit, risk & compliance, technology and marketing.
- Lead and develop a high-performing team, including scrum masters and product owners.
- Foster a culture of innovation, collaboration, and agile execution.
- Provide coaching, mentorship, and training to enhance team capabilities and drive performance excellence.
Key Competencies and Skills
- Strong leadership, analytical, and strategic thinking skills.
- Expertise in Agile methodologies, digital solutions, and product management.
- Deep understanding of customer behavior, market trends, and data-driven decision-making.
- Experience driving digital adoption, automation, and omnichannel strategies.
Minimum Qualifications, Knowledge and Experience
Experiences & Qualifications (Academic and Professional)
- Bachelor’s degree in Business, Marketing, IT, or a related field (Master’s degree preferred).
- 10+ years of experience in business channels, digital transformation, sales, or distribution management.
- Strong background in agile execution, human-centered design, with experience leading teams of Scrum Masters and Product Owners.
- Proven expertise in digital banking, fintech, telecom, or e-commerce platforms.
go to method of application »
Principle Accountabilities
- Define and communicate a clear vision and roadmap for process digitization initiatives.
- Identify and evaluate opportunities to digitize and optimize core and support processes to improve operational efficiency, reduce costs, and enhance the overall experience for customers and employees.
- Develop prioritization frameworks to select the highest impact initiatives in alignment with strategic goals.
- Own and manage the process digitization product backlog, ensuring it is well-prioritized and clearly defined.
- Translate business requirements into actionable user stories and acceptance criteria for the agile delivery teams.
- Lead and collaborate with cross-functional agile squads to deliver high-impact digital solutions, ensuring timely and high-quality execution.
- Iterate and enhance solutions based on continuous feedback and performance data.
- Serve as the main point of contact between business units, technology teams, and external partners for process digitization initiatives.
- Work closely with business process owners to deeply understand needs, pain points, and opportunities for improvement.
- Regularly communicate progress, achievements, and metrics to the Head of Process Digitization Tribe and other key stakeholders.
- Champion a user-centered design and delivery approach in all process digitization efforts.
- Ensure digital processes are intuitive, easy to adopt, and contribute positively to customer and employee experiences.
- Define, measure, and report on key performance indicators (KPIs) for digitization projects, including efficiency gains, cost savings, error reductions, and adoption rates.
- Leverage data insights to inform continuous improvement and future opportunities.
Key Competencies and Skills
- Proven track record of delivering digitization or automation projects (e.g., RPA, workflow automation, low-code platforms).
- Strong understanding of the design thinking methodology and has demonstrated experience applying.
- Proficiency with product management tools like Azure DevOps, Jira, Figma
Minimum Qualifications, Knowledge and Experience
Experiences & Qualifications (Academic and Professional)
- Bachelor’s degree in Business, IT, Computer Science, or a related field.
- Certification in Agile methodologies (e.g., CSPO, SAFe Product Owner) is preferred.
- 5+ years of experience in product ownership, business analysis, or process improvement roles, with at least 2 years focused on process digitization or automation.
- Experience working in innovation, transformation, or digital change functions, preferably within financial services or similar industries.
go to method of application »
Principle Accountabilities
Key responsibilities include:
- Identifying, assessing, and reporting material individual, aggregate, and emerging credit risks.
- Continuous evaluation and monitoring of the credit risk-taking activities and exposures to ensure they are within the Bank’s risk appetite, risk limit,s and corresponding capital and liquidity requirements.
- Establishing an early warning or trigger system for breaches of the Bank’s Credit risk internal limits and prudential limits.
- Monthly Attestation that Risk Appetite and Credit Policy breaches are being monitored, escalated, and tabled at the Management Lending Committee and BCC (Proof required).
- Regular Review of the Credit granting process to ensure that this is in line with the approved product parameters.
- Ensure that the Management Lending Committee is tracking the use of the discretionary mandate on a monthly basis.
- Follow up to ensure that, in line with the Watchlist Mandate, Watch list procedures for Pre-NPLs and NPLs are followed, and at least Monthly Watch List meetings are held (minutes must be maintained).
- Develop a credit risk stress testing model and conduct regular stress testing as per the bank’s stress testing programme.
- Assurance on Credit Provisions. Follow up and ensure that:Credit Risk Provisioning is being done on a monthly basis in line with the approved model. The Provisioning model is reviewed regularly, taking into account changes in the operating environment and industry best practice.
- Review and advice on adequacy of credit risk management strategies, policies, procedures, limits and process in place
- Create and maintain portfolio-based framework for measuring credit risk within both the banking and trading book.
- Establish and maintain the Banks credit risk register.
- Follow up for closure of significant risks and issues in credit environment as highlighted by the Internal Auditors, external auditors, regulators and any other compliance reviews.
- Support in key Credit risk initiatives including staff training programs and credit systems implementation and rollout where necessary.
- Work with market risk and operational risk analysts to aggregate exposures for enterprise risk management.
- Develop and monitor climate-related/ESG risk metrics at exposure, counterparty, and portfolio levels as well as develop stress test methodologies to test resilience to climate-related risks
- Regular review and testing of the adequacy and effectiveness of various credit risk management models including the IFRS 9 ECL model
- Carry out periodic control sample testing reviews of credit/loan products and ensure that the policy requirements of the Credit Policy are complied with.
- Support in keeping track of circulars and reports released by CBK, KBA, etc. to ensure Bank’s compliance on credit-related matters
Key Competencies and Skills
General competencies:
- Communication skills
- I.T. Skills (MS Office)
- Creativity
- Team player
- High levels of professionalism and professional development.
- Honest with impeccable integrity (high ethical standards)
Minimum Qualifications, Knowledge and Experience
Education & Experience
- Bachelor’s degree, preferably in Commerce/finance, Business, Banking and Finance or related fields
- Professional qualifications in the fields of Accountancy, Finance, financial investments and risk management.
- Master's Degree an added advantage
- 7 years Banking Experience with at least 4 in a credit risk management role.
- Experience in achievement of BASEL compliance requirements
- Practical experiences in use of MS Office applications
Method of Application
Use the link(s) below to apply on company website.
Build your CV for free. Download in different templates.
Gmail
Yahoomail