Job Vacancies at NCBA Group

Job Purpose Statement

To support the Group Director, Credit Risk Management in developing and implementing a prudent credit risk framework in support of the bank’s objectives of; achieving profitable growth while maintaining credit risk within acceptable levels. This is a leadership role providing oversight and guidance to a team of portfolio managers and analysts. The credit portfolio under the remit of the role includes Corporate, Commercial, Business Banking and Consumer segments. 

Primary responsibilities include independent monitoring of the asset book and provide portfolio insights on the quality, risk levels and intervention required to the Credit Risk and Business teams. Portfolio insights and analytics include but not limited to, key credit metrics, risk ratings, exposures, and concentrations. The role is instrumental in supporting management decisions including credit risk appetite, product performance and optimisation and loan loss reserves. The outcome of the analysis is communicated through portfolio reporting to management, board committees and regulatory bodies as required.

The role will also be involved in providing technical support to the regional subsidiaries on portfolio monitoring, portfolio insights, credit models and reporting as per defined policy/regulatory frequency.

Ideal Job Specifications

Academic:

• Undergraduate degree in Finance, Accounting, Economics or related field
• Appropriate Masters Level or Post Graduate Qualification.

Professional:

• Relevant professional qualification in Finance, Accounting, Financial Analyst or related field.

Desired Work Experience:

• A minimum of 10 years of experience in Bank Credit Risk Management and specifically experience in Portfolio Analytics, Monitoring and Reporting at a senior leadership level.
• Exposure to Credit, Market and Operational Risk dimensions, Basel implementation, IFRS 9 implementation, ICAAP etc.
• Strong understanding of financial statements and bank credit risk analysis. This includes competence in understanding key macro drivers of credit risk, customer behaviour, bank products and lending strategy
• Working knowledge of bank credit policies and standards as well as relevant regulations and compliance issues.
• Strong Excel knowledge, including pivot tables, macros, and functions. Thorough knowledge of report construction and merging multiple data sets; Familiarity with reporting tools
• The ability to conduct complex risk analyses and provide senior management with business insights of portfolio quality and product and portfolio trends, and portfolio performance.  
• Strong communication skills (written and oral) and the ability to articulate complex issues at an intuitive level. This includes research, analytical, interpretation and problem-solving skills
• Ability to think creatively - to challenge the norm and drive through solutions in the face of adversity and challenge.
• Ability to work with high degree of independence; Strong self-start initiative; Curious mindset for research
• Proven ability to apply credit and risk principles toward business goals
• Working experience in running projects within the Portfolio Management space which may include system changes, IFRS ECL implementation, digitisation etc
• Demonstrated ability to synthesize, prioritize and drive results with urgency

Ideal Job competencies

Technical  Competencies

• Leadership
• Financial Analysis
• Risk management
• Data Analysis
• Ability to rapidly produce insights and quality reports
• Strong problem solving and decision-making skills

Behavioural  Competencies

• Planning and Organising
• Action orientation
• Stakeholder engagement
• Commercial awareness
• Decisiveness
• Interpersonal skills
• Negotiation and influencing
• Communication and presentation
• Ability to build partnerships as well as working with diverse teams within different segments

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JOB PURPOSE STATEMENT

The holder of this role will be responsible for the design, development, deployment, and support of mobile, web, desktop and server business solutions that support digital business goals.

The position requires solid knowledge of Mobile, web, desktop & server (orchestration layer) technologies. The role holder should be able to deliver across the entire development life cycle from concept, design, build, deploy, test, release to app stores and support.

KEY ACCOUNTABILITIES (DUTIES AND RESPONSIBILITIES)

• The design/analysis, development, delivery, and ongoing improvement of all Application development processes
• Apply knowledge and experience, showing deep understanding of Application Development Standards to assist business and product teams develop products that solve business needs
• Adherence to internal policies and procedures for the development and management of NCBA Application Development process along ITIL and other best practice standards
• Support, maintain and audit existing service lifecycle artifacts, to agreed SLAs
• Effective management of relationships and protocols with other technical platform owners and internal business owners
• Advise internal customers on technology improvements that will ensure realization and maximization of business objectives

JOB SPECIFICATIONS

Academic and Desired work experience:

• An undergraduate degree or its equivalent in a Technology related field i.e., Computer science, Information Technology, Software engineering etc
• 5 years within a large and highly digitized environment designing, implementing, and managing mission critical systems, with at least 2 years actively developing applications.
• Strong knowledge and hands-on experience of the following:
  • Application back-end development using Oracle Database, SQL, PL/SQL 
  • Application/Web Server experience with WebLogic, JBoss, Apache, express
  • Hands on experience developing software using Java, C, C++, C#, Python
  • Hands on experience developing Android, IOS, Windows Mobile and Hybrid mobile applications.
  • Hands on experience in Web Development (AngularJS, NodeJS, Asp.Net) and Web Servers (Apache, Tomcat, IIS and Nginx)
• Automated Testing tools e.g., espresso, robotium, protractor
• Continuous build/Integration tools e.g., Jenkins/Bamboo
• Issue/bug tracking tools e.g., JIRA
• Working Knowledge of Unix or Linux Operating systems e.g., Solaris, Cent OS
• Experience and Knowledge of Shell scripting in Unix or Linux environment as well as Windows
• Basic Oracle and SQL Server Database Administration
• Certification and experience implementing best practice frameworks e.g. ITIL, PRINCE2
• Excellent analytical, problem solving and reporting skills
• Proficiency in project management.

JOB COMPETENCIES

Technical Competencies

• Takes a structured and effective approach to own work and demonstrates leadership potential.
• Ability to analyze, diagnose, plan, execute and evaluate work to time, cost and quality targets, exhibiting familiarity with available tools, standards and procedures and making correct choices from alternatives.
• Effective communicator, able to guide and advise clients and business partners.
• Astute at planning for mission critical production activities.
• Good understanding of Application Development concepts and technologies: Java, C, C++, C#, Android, IOS, HTML5, Angular JS
• Self-empowerment to enable development of open communication, teamwork and trust that are needed to support true performance and customer-service oriented culture.
• Knowledge and experience with ITIL as a best practice framework for IT Service Management.
• Knowledge and effective application of all relevant banking policies, processes, procedures and guidelines to consistently achieve required compliance standards or benchmarks.

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JOB PURPOSE STATEMENT

To provide leadership to the regional teams to Acquire, Grow & Retain B2C customers (Merchants). The role will guide and manage internal and external teams to meet set volume, value & brand targets leveraging on business insights gained from the market to improve our value proposition delivery.

KEY ACCOUNTABILITIES (DUTIES AND RESPONSIBILITIES)

Financial (40%) 

• The ability to manage the sales process from lead generation to close, including tracking customer interactions and sales metrics, managing sales pipelines, and identifying opportunities for upselling and cross-selling.
• The ability to establish and maintain positive relationships with customers, including identifying their needs and expectations and developing personalized strategies to meet those needs.
• The ability to use insights and information to improve the customer experience, by developing customer acquisition and retention strategies suitable for the organization.
• Provide leadership to deliver the Regional acquisition target (merchants).
• Deliver a plan to ensure growth in Transactions & Transaction value.
• Deliver a retention plan to ensure no loss of acquired merchants.
• Manage & optimise the cost of acquisition.
• Consolidate & manage regional spend/financial budgets according to agreed guidelines for all approved activities.

Internal business processes (20%)

• Ability to effectively manage and optimize the sales process at scale.
• Optimise the distribution as a service model to ensure that all field-based operations are conducted OTIFNE (On time in Full no Exceptions)
• Monitor the 100% use of the promoter app for official work purposes. No tasks should be given outside the app. All formal communication from the promoters should be recorded on the App.
• Conduct & record formal performance review meetings with the regional teams. Reports to be used will be generated from the management portal.
• Champion adherence to established processes and procedures. Identify potential risks to the service and product offering and provide mitigation strategies
• Supervision and guidance of the regional sales teams and any 3rd party teams to ensure timely and effective delivery of service.
• Organise/Coordinate & execute trade/market visits with the regional teams to gain insights and coach/support the team.
• Define a strategy to ensure 100% presence and visibility of all available point of sale material in 100% of the assigned geography.
• Plan and manage staff shifts, annual, unplanned and emergency leave to ensure minimal disruption of service.

Customer (30%) 

• Ability to develop and execute advanced lead generation strategies and tactics, such as account-based marketing or referral programs.
• Create the conditions that will reduce customer effort in accessing and utilising our CVP (Digital & Physical) with minimum friction.
• Create/Design & deploy a framework and condition that ensure the highest NPS score as measured by value survey.
• Champion adherence to quality standards and SLAs within the customer touch points to maintain the brand experience and customer promise.
• Develop a PICOS for the trade to ensure customers can always experience our CVP.
• Execute a business Continuity plan implementation and disaster recovery co-ordination with the regional teams.

People Management, Learning & growth (10%) 

• Identify and plan personal training needs.
• Competence Development in mastering Business Models, Business Analytics and Digital Marketing.
• Coaching the team on Sales Processes & Techniques as well as B2B/Institutional Sales techniques. 

JOB SPECIFICATIONS

Academic:

• University Degree
• Proficiency in computer use including MS Office tools and banking systems 

Desired work experience:

At least 4 years financial services experience two (2) of which must be in supervisory/ management role; and at least two (2) within business development.

JOB COMPETENCIES

Technical Competencies

• Supervisory skills for optimal task management and optimization of outlet staff productivity.
• Leadership to provide guidance to the outlet staff on day to day operations.
• Dynamic and energetic with a passion for innovation and disruptive technology.
• Problem solving and solution oriented to be able to handle complex situations
• Quality orientation to ensure highest standards of Customer service are observed.
• Selling skills to ensure effective selling and cross selling of the product offering.
• Clear oral and written communication skills.
• Customer focus with ability to think out of the box and consistently produce high quality of service.
• Knowledge and experience in modern customer service practices to provide guidance on quality improvements and operational changes
• Knowledge and effective application of all relevant banking policies, processes, procedures and guidelines to consistently achieve required compliance standards or benchmarks.
• Decision- making capabilities and ability to work with minimal supervision.

Behavioral Competencies

• Interpersonal skills to effectively communicate with and manage customer expectations (internal and external), and other stakeholders who impact performance.
• Personal motivation and drive to enable development of open communication, teamwork and trust that are needed to support performance and customer-service oriented culture.
• Personal motivation and drive to enable development of open communication, teamwork and trust that are needed to support performance and customer-service oriented culture.
• Passionate about accountability and goal achievement
• High level of integrity
• Ability to challenge and be challenged with constructive feedback
• Self-empowerment to enable development of open communication, teamwork and trust, that are needed to support business performance and customer-service oriented culture.
• Strong interpersonal and excellent communication skills

Negotiation Skills: Must be a good negotiator, particularly in changing behavior and work practices but always Win/Win