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Rafiki Microfinance Bank is a place where creativity and positive ambition are infectious. We are restless to win, to meet the changing needs of our customers and unlock growth opportunities.
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Purpose of the Job:
The position will be responsible for monitoring, constant follow-up, restructuring, and making appropriate recommendations to the Credit Committee on non-performing loan accounts as per Special Assets & Debt Recovery Policy.
Reports to:
- Manager Debt Recovery Unit
Job Description:
- Manage debt collection process in line with Bank policy.
- Manage the Bank’s non-performing portfolio with a view of maximizing profitability for the Bank.
- Liaison and management of external agencies and legal partners assisting in recoveries.
- Maintain recovery records in line with bank policies.
- Recommend suspension of interest, provisions, write-offs, and write-backs on non-performing loan accounts to the Credit Committee as per CBK Regulations.
- Undertake performance monitoring and review for the team in Special Asset and DRU.
- Provide prompt guidance, mentoring, coaching, and support on aspects of debt recovery to the team.
- Maintain a register of all repossessed assets that need to be advertised for sale.
- Ensure compliance with both internal and external regulatory requirements.
- Represent the Bank as witness on litigation matters touching on debt recovery
- Any other official duties assigned from time to time.
Required Skills, Qualifications & Experiences
- Bachelor’s degree in Law, Social science, or Business related field
- 5-6 Years working experience
- Interpersonal skills
- Networking skills
- Attention to details
- Relationship Management
- Negotiation skills
- Problem-solving skills
- Proficiency in MS Office
- Confidentiality
- Integrity
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Purpose of the Job:
The main responsibility of the job is to provide solutions to various business problems. The role is highly dependent on on-the-ground research and one-on-one interaction with Business development teams to gain a full picture of the challenge. The reports are supported by the Head of Branches. This will result in the development of initiatives to improve business structures and/or strategic decisions to support the strategic business units at Bank Microfinance Bank.
Reports to:
- Head of Strategy and Innovation
Job Description
- Creating detailed business analyses that outline problems, opportunities, and solutions for the branches/business units.
- Analyze business development teams’ performance to understand their strengths and weaknesses to determine opportunities for improvement.
- Forecasting and making recommendations for business needs.
- Prepare minutes of Business development meetings, branch reviews, and regional meetings with actionable plans and ownership mapping.
- Leading continuous reviews of business processes and developing optimization strategies.
- Create informative, actionable, and repeatable reporting (templates & tools) that highlights relevant business trends and opportunities for improvement.
- Exploring growth and expansion viability, feasibility, and creation of business models.
- Develop dashboards to track and monitor individual, branch, Business units, and regional performance.
- Monitor trends and variances to provide insights that help in decision-making.
- Bring new ideas to the table and challenge teams to innovate.
- Provide strong analytical skills to ensure agreed strategies and goals are communicated and effectively implemented.
- Update business strategies and plans as may be required.
- Participate in market research, product development, and implementation
- Any other duties that may be assigned by the supervisor.
Required Skills, Qualifications & Experiences
- Bachelor’s degree in Business Administration, Statistics, Marketing, or other related fields.
- Minimum 3-4 years work experience in a similar role
- Proven ability in data analytics & visualization.
- Experience with common business analysis like SWOT, PESTLE, Positioning, etc.
- Advanced MS Excel skills and other data analysis tools.
- Excellent analytical & presentation skills
- Excellent communication skills.
- Detail-oriented, analytical, and inquisitive
- Ability to work independently and with others.
- Extremely organized with strong time-management skills
- Data-driven, with a clear understanding of data analytics, metrics, and statistics
- Understanding of market segments, geographical strengths, and opportunities within the Bank Network.
- Problem-solving skills
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Purpose of the Job:
The main responsibility of the job holder will be to plan, oversee and lead projects from ideation through to completion while following project governance protocols.
Reports to: Head- Digital & Transactional Banking
Job Description.
- Develop manage and implement project plans to ensure project delivery is achieved within set deadlines.
- Coordinating staff and internal resources.
- Managing relationships with staff and external partners.
- Leading project planning session.
- Overseeing all incoming and outgoing project documentation.
- Participating in tender process i.e. design, submission and review.
- Managing project budgets.
- Conduction project reviews and creating detailed reports for SteerCo.
- Managing project documentation as per governance protocols e.g. Sign-off and certifications.
- Ensure proper systems are in place to effectively manage AML/CFT risks and strict compliance with the Banking laws, the prudential guidelines and regulations issued by CBK, and other legal guidelines that may be issued by the government or other industry stakeholders, from time to time.
- Responsible for identifying and reporting potential and actual project risk within projects assigned compliance policies & procedures.
- Formulate and ensure up to date policies and procedures governing projects as and when changes occur
- Managing and developing a high-performance team to meet set deliverables.
- Providing coaching, training needs and mentorship aimed at building their knowledge and expertise as well as ability to manage customer expectations within own portfolio
Knowledge; Skills and Experience required for this Role
- University degree in a Business or IT related field.
- An MBA is an added advantage.
- Have a minimum of 5 years in the Banking Industry; 1 of which must be in a supervisory role.
- A minimum of 1 year’s skilled experience in project management.
- Sound knowledge of the Banking Act and the regulatory framework in the Financial Services Industry.
- Able to apply financial knowledge and skills.
- Able to identify and minimize potential and inherent risks in project delivery.
- Proficient in the use of Banking and office management systems.
- Experience in stakeholder management. · Written and verbal communication skills.
- Capacity to manage high stress situations.
- Ability to multi-task and manage various project elements simultaneously. · Leadership skills.
- Big-picture thinking and vision.
- Attention to detail. · Conflict resolution skills.
- Planning and organization skills.
- Delivering projects within set budgets.
- Delivery of project within set timelines.
- Active monitoring and reporting on project progress.
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Purpose of the Job:
The main responsibility of the jobholder will be to achieve business growth for the Bank by selling agribusiness products within assigned market segments and by promoting and selling other products and services of the Bank to enhance value-added relationship with existing customers
Reports to: Branch Manager
Job Description
- Grow the bank’s liabilities, assets and NFI in the Agribusiness segment.
- Effectively manage PAR.
- Grow quality loan book.
- Promote active utilization of the bank’s Credit and Treasury facilities to existing and potential clients.
- Recommend for product development relevant to the Agribusiness sector.
- Evaluate credit proposals and oversee the credit applications process on a timely basis with the bank’s set turnaround times.
- Effectively manage and expand the relationships with existing Agribusiness clients and bringing in new clients so as to ensure business growth and continuity.
- Actively ensure customer relationship management
- Ensuring compliance with both internal and external regulatory requirements.
- Safeguard and promote the bank’s image with the general public
- Cross-sell and upsell other bank products
- Any other official duty that may be assigned from time to time
Knowledge; Skills and Experience required for this Role
- Bachelor’s degree in a business related field
- 1-2 years’ experience
- MS Office
- Interpersonal skills
- Organization and planning skill
- Networking skills
- Attention to details
- Analytical skills
- Integrity
- Confidentiality
- Negotiation skills
- Presentation skills
go to method of application »
Purpose of the Job:
The main responsibility of the jobholder will be to achieve business growth for the Bank by selling agribusiness products within assigned market segments and by promoting and selling other products and services of the Bank to enhance value-added relationship with existing customers
Reports to: Branch Manager
Job Description
- Grow the bank’s liabilities, assets and NFI in the Agribusiness segment.
- Effectively manage PAR.
- Grow quality loan book.
- Promote active utilization of the bank’s Credit and Treasury facilities to existing and potential clients.
- Recommend for product development relevant to the Agribusiness sector.
- Evaluate credit proposals and oversee the credit applications process on a timely basis with the bank’s set turnaround times.
- Effectively manage and expand the relationships with existing Agribusiness clients and bringing in new clients so as to ensure business growth and continuity.
- Actively ensure customer relationship management
- Ensuring compliance with both internal and external regulatory requirements.
- Safeguard and promote the bank’s image with the general public
- Cross-sell and upsell other bank products
- Any other official duty that may be assigned from time to time
Knowledge; Skills and Experience required for this Role
- Bachelor’s degree in a business related field
- 1-2 years’ experience
- MS Office
- Interpersonal skills
- Organization and planning skill
- Networking skills
- Attention to details
- Analytical skills
- Integrity
- Confidentiality
- Negotiation skills
- Presentation skills
go to method of application »
Purpose of the Job:
The main responsibility of the jobholder will be to achieve business growth for the Bank by selling agribusiness products within assigned market segments and by promoting and selling other products and services of the Bank to enhance value-added relationship with existing customers
Reports to: Branch Manager
Job Description
- Grow the bank’s liabilities, assets and NFI in the Agribusiness segment.
- Effectively manage PAR.
- Grow quality loan book.
- Promote active utilization of the bank’s Credit and Treasury facilities to existing and potential clients.
- Recommend for product development relevant to the Agribusiness sector.
- Evaluate credit proposals and oversee the credit applications process on a timely basis with the bank’s set turnaround times.
- Effectively manage and expand the relationships with existing Agribusiness clients and bringing in new clients so as to ensure business growth and continuity.
- Actively ensure customer relationship management
- Ensuring compliance with both internal and external regulatory requirements.
- Safeguard and promote the bank’s image with the general public
- Cross-sell and upsell other bank products
- Any other official duty that may be assigned from time to time
Knowledge; Skills and Experience required for this Role
- Bachelor’s degree in a business related field
- 1-2 years’ experience
- MS Office
- Interpersonal skills
- Organization and planning skill
- Networking skills
- Attention to details
- Analytical skills
- Integrity
- Confidentiality
- Negotiation skills
- Presentation skills
go to method of application »
Purpose of the Job:
The job holder will be responsible for growth in the non-funded income, inflows, onboarding onto digital channels activities in line with the bank’s strategy and set policies and procedure guidelines of all legacy bank customers.
Reports to: Head- Digital & Transactional Banking
Job Description
- This is the digital channels champion who works with the Branch Business Development teams to champion uptake digital channels through: –
- Recruitment of New customers by on-boarding onto Lipa Na M-PESA, Card customers, Mobile banking and Internet Banking.
- Driving MPESA Agents recruitment in conjunction with the business development teams as per the laid down standards and CBK Guidelines as well as tracking and performance.
- Drive uptake of Channels products in the Branch as per agreed KPI’s for the existing customer base not on boarded.
- Ensure active M-PESA Agents based in their respective branches, through the uptake process and procedures, and follow up, assistance in terms complaints resolve and general guidance and Ensure Nil dormancy and income growth.
- Coordinate seminars, forums and Market Storms for market sensitization and provide forums for sharing feedback on the bank’s digital products.
- Support the Branch on dormant LIPA Na M-PESA, Rafiki Mkononi, Internet Banking, Card activations and dormant service renewals.
- Work with Central office team to resolve operational issues affecting Digital Channels Business and also ensure uptake of digital service innovations in the Branches.
- Carry out periodic and regular visits to digital channels clients to drive digital channels uptake with dormancy levels at below 5 %.
- Ensure that the digitization index is at 90% across all branches.
- Responsible for reporting potential and actual Money Laundering Risk, including suspicious transactions in accordance with the laid down AML policies & procedures.
- Hand hold new business development officers by providing them with guidance on how to grow their business.
- Preparations of periodic reports on digital channels performance.
- Other duties and responsibilities as assigned from time to time.
- Participate in customer surveys and achieve targeted metrics.
- Design, develop, improve and implement customer engagement strategies to ensure high levels of customer satisfaction.
- Follow up internally with support partners to ensure matters raised and rectified to conclusion.
- Follow up externally with support partners to ensure matters raised and rectified to conclusion.
- Manage both internal and external service SLAs.
- Ensure project delivery within set lead-times.
- Adopt all internal policies and procedures in relation to virtual banking both directly and indirectly.
- Monitor, identify and mitigate the unit’s risks related to virtual banking in conjunction with units such as Service Delivery, IT Security, Audit & Risk & Compliance
- Ensure effective performance management of resources that may be allocated from time to time.
- Ensure trainings take place as per set goals.
- Ensure attendance and completion of all in-house training.
- Inculcate and execute product management through support teams.
Knowledge; Skills and Experience required for this Role
- University Degree in a Business related field.
- CPA Part I or Diploma in Banking or Business Administration is an added advantage.
- Minimum of 3 years in in sales/client relationship management
- Minimum 1year exposure to digital channels operations.
- Able to apply financial knowledge and skills.
- Sound knowledge of the Banking Act and the regulatory framework in the Financial Services Industry.
- Experience in stakeholder management.
- Proficient in the use of Banking and office management systems.
- Basic Risk Management and prevention.
- Be commercially aware of digital payment, and digital products, systems and new innovations.
- Good MS Office product skills with a bias in EXCEL, Word & PowerPoint.
- Basic knowledge on AML (Anti- Money Laundering)
- Basic digital product management knowledge.
- Analytical skills.
- Strong training skills and experience, including change management.
- Excellent verbal and written communication skills, including to senior stakeholders, external partners and customer as the case may be.
- Strong analytical skills.
- Strong organizational skills in relation to self and the team.
- Able to develop and implement solutions both tactical & strategic.
- Attention to detail & accuracy.
- Ability to remain calm under pressure and find a solution in a complex and demanding environment.
- Willingness to travel on demand.
- Professionalism.
- Client focus.
- Decision Making & Accountability.
- Working with ease with others.
- Quick adoption to change.
- Business Acumen.
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Purpose of the Job:
To achieve business growth for the Bank by selling SMEs products within assigned market segments and by promoting and selling other products and services of the Bank to enhance value-added relationship with existing customers.
Reports to: Branch Manager
Job Description
- Effectively manage PAR
- Grow quality loan book
- Promote active utilization of the bank’s Credit and Treasury facilities to existing and potential clients.
- Recommend for product development relevant to the SME sector.
- Evaluate credit proposals and oversee the credit applications process on a timely basis with the bank’s set turnaround times.
- Effectively manage and expand the relationships with existing SME clients and bringing in new clients so as to ensure business growth and continuity.
- Actively ensure customer relationship management
- Ensuring compliance with both internal and external regulatory requirements.
- Safeguard and promote the bank’s image with the general public.
- Cross-sell and upsell other bank products
- Any other official duty that may be assigned from time to time
Knowledge; Skills and Experience required for this Role
- Bachelor’s degree in a business related field
- 3-4 years’ experience
- Competency MS Office
- Interpersonal skills
- Organization and planning skill
- Business networking skills
- Attention to details
- Negotiation skills
- Presentation skills
- Analytical skills
- Integrity
- Confidentiality
go to method of application »
Purpose of the Job:
The main responsibility of the job holder will be to achieve business growth for the Bank by selling Enterprise products within assigned market segments and by promoting and selling other products and services of the Bank to enhance value-added relationship with existing customers.
Reports to: Branch Manager
Job Description
- Grow the bank’s liabilities, assets and NFI in the Enterprise segment.
- Effectively manage PAR
- Grow quality loan book
- Promote active utilization of the bank’s Credit and Treasury facilities to existing and potential clients.
- Recommend for product development relevant to the Enterprise Banking sector.
- Evaluate credit proposals and oversee the credit applications process on a timely basis with the bank’s set turnaround times.
- Effectively manage and expand the relationships with existing Enterprise banking clients and bringing in new clients so as to ensure business growth and continuity.
- Actively ensure customer relationship management
- Ensuring compliance with both internal and external regulatory requirements.
- Safeguard and promote the bank’s image with the general public
- Cross-sell and upsell other bank products
- Any other official duty that may be assigned from time to time
Knowledge; Skills and Experience required for this Role
- Bachelor’s degree in a business related field
- 3-4 years’ experience
- MS Office
- Interpersonal skills
- Organization and planning skill
- Networking skills
- Attention to details
- Analytical skills
- Integrity
- Confidentiality
- Negotiation skills
- Presentation skills
Method of Application
Interested candidates are requested to send their cover letter and CV to hr@rafiki.co.ke quoting the position applied for on the e-mail subject on or before 31st January 2024 at 5:00pm.
Note: “Only shortlisted candidates shall be contacted”
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