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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 ...
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Principle Accountabilities
Financial
- Manage and grow the non-funded income line and minimize revenue leakage from lending solutions.
- Digitize processes to minimize costs
- Maximize net interest income from the portfolio.
Strategic Product Planning and Management
Product Development & Management:
- Develop and manage a suite of liability products, ensuring they meet the needs of the bank’s target customer segments.
- Conduct regular market research to identify emerging trends, customer preferences, and competitor offerings to inform product enhancements and new product development.
- Work closely with other departments (e.g., marketing, operations, compliance) to design and implement new products, ensuring timely rollouts.
- Monitor product performance, track KPIs, and recommend product adjustments to optimize revenue, customer acquisition, and retention.
Product Strategy & Planning:
- Develop short- and long-term strategies for bank liability products, aligned with the bank’s business goals.
- Conduct financial analysis and forecasting to assess the impact of existing and new products on the bank’s profitability.
- Work with senior leadership to define product pricing strategies, fee structures, and promotional campaigns.
Customer Experience & Relationship Management:
- Collaborate with customer service teams to ensure that customers have a positive experience with the bank’s liability products.
- Handle escalated customer queries related to liability products, ensuring high customer satisfaction levels.
- Analyze customer feedback and industry trends to continually improve the design and features of liability products.
Internal business processes
- Conduct quarterly Branch and channel visits to ensure “best practice” is consistently delivered.
- Develop robust customer-centric processes that improve the turnaround time of service delivery
- Drive the system towards service quality standards in an efficient operation where risks are well controlled.
- Ensure that all liability products comply with relevant banking regulations and laws.
- Stay up to date with regulatory changes and incorporate necessary adjustments to product offerings.
- Work closely with risk and compliance teams to identify and mitigate risks associated with liability products
Customer Acquisition
- Collaborate with the sales and branch network teams to promote liability products and provide training on product features, benefits, and processes.
- Monitor the success of sales campaigns and initiatives for liability products, providing feedback and adjusting strategies as necessary.
- Help identify cross-selling and upselling opportunities to increase customer engagement and product adoption.
- Establish feedback Deposit products.
- Review and manage customer portfolio for growth
Key Competencies and Skills
Technical Competencies
- Problem analysis and solving
- Organizational and planning skills
- Judgment and decision-making skills
- Attention to detail
- Negotiating skills
- Creativity
- Writing skills
Behavioural Competencies
- Communication skills
- Goal-driven and results-oriented
- Customer orientation
- Presentation skills
- Interpersonal skills
- Proactive initiator
Minimum Qualifications, Knowledge and Experience
Academic:
Professional:
- Training in various Banking operations
- Training in Various product development and management
Desired work experience:
- 3 years of experience with at least 2 years’ in product development in a financial service environment.
- Metrics-driven: Strong analytical and synthesis skills, including the ability to absorb and process large amounts of data into actionable information.
- Knowledge of marketing principles and practices
- Knowledge of business and management principles and practices
- Project management skills
- Proficient in relevant software applications
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Principle Accountabilities
Financial
- Maximize net interest income from the portfolio.
- Manage and grow the non-funded income line and minimize revenue leakage from lending solutions.
- Digitize processes to minimize costs
Strategic Product Planning and Management
- Work with stakeholders to align with business goals, and create profitability metrics for products.
- Lead the transition to digital lending product delivery.
- Monitor market trends and conduct competitive analysis to drive innovation in the online customer journey.
- Provide ongoing support and training to bank staff on new systems and products.
- Manage relationships with third-party partners and oversee service-level agreements.
- Develop and implement the strategy for Digital Lending Products in partnership with key stakeholders.
- Support the implementation of credit card solution
- Drive digital lending uptake.
Internal business processes
- Conduct quarterly Branch and channel visits to ensure “best practice” is consistently delivered.
- Develop clear product guides for lending products to ease communication and management of products.
- Control and periodically check operational risks and workflow
- Develop robust customer-centric processes that improve the turnaround time of service delivery
- Drive the system towards service quality standards in an efficient operation where risks are well controlled.
- Ensure compliance with internal/external regulatory policies, procedures, and guidelines.
Customer Acquisition
- Establish feedback systems for lending products.
- Provide feedback on asset product sourcing.
- Support RM teams' sales efforts.
- Review and manage customer portfolio for growth.
- Develop bank growth strategies.
- Coordinate marketing and distribution strategies for lending products.
Key Competencies and Skills
Technical Competencies
- Problem analysis and solving
- Organizational and planning skills
- Judgment and decision-making skills
- Attention to detail
- Negotiating skills
- Creativity
- Writing skills
Behavioural Competencies
- Communication skills
- Goal driven and results oriented
- Customer orientation
- Presentation skills
- Interpersonal skills
- Proactive initiator
Minimum Qualifications, Knowledge and Experience
Education
Professional:
- Training in various Banking operations
- Training in Various product development and management
- Training in credit risk policies and processes
Desired work experience:
- 3 years of experience with at least 2 years’ in product development in a financial service environment.
- Metrics-driven: Strong analytical and synthesis skills, including the ability to absorb and process large amounts of data into actionable information.
- Knowledge of marketing principles and practices.
- Knowledge of business and management principles and practices.
- Project management skills.
- Proficient in relevant software applications.
go to method of application »
Principle Accountabilities
- Selling Tills, Accounts, CTO, loans and deposits mobilization.
- Sales planning and tracking of daily sales activity and reporting to the Team Leader Payments.
- Mapping and scoping the business opportunity within the catchments area and its environs and liaising with the Sales Team Leader for sales activations.
- Making presentations to prospects i.e. individuals, schemes, business owners.
- Customer interviews and interactions both at the Branch and at their place of work/Business to understand their needs and offer the right products.
Key Competencies and Skills
General Competencies
- Computer literacy – MS Office Suite
- Excellent communication skills both oral and written
- A confident person who is self-driven with strong interpersonal and negotiation skills.
- A person of integrity and with good negotiation skills.
- Ability to be an agent of change and Innovation with a strong desire to excel.
- Ability to deliver set business targets and services with minimum supervision.
- Flexible and willing to travel on short notice.
- Age: 20 years – 30 years.
Technical Competencies
- Strong communication & presentation skills.
- Strong co-ordination skills.
- Analytical Skills.
- Interpersonal skills.
- Negotiation and Selling Skills.
- Leadership and management skills is an added advantage.
Minimum Qualifications, Knowledge and Experience
Academic
- A Degree in a business-related field from a recognized institution.
Experience
- Minimum one-year sales experience with relevant experience in Customer Service and relationship management.
Method of Application
Use the link(s) below to apply on company website.
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