Manager Risk Analytics at KCB Bank

Reference Number: IRC12152

Job Purpose:

The position is responsible for undertaking detailed data analytics for credit risk management, the design & development of credit risk models and the generation of high-quality reports to support decision making.

Key Responsibilities:

• Provide timely, relevant and robust analyses for credit risk management by designing and applying appropriate analytical approaches 
• Design, develop and implement Risk MIS and Data Infrastructure to support the identification, analysis and measurement of credit risk within the organization.
• Play a lead role in the design, development, implementation and monitoring of the bank's credit risk models
• Work with stakeholders throughout the organization to identify opportunities for leveraging data to drive business solutions through the use of Advanced Analytics for the management of credit risk
• Work closely with stakeholders to ensure adequate understanding of risk models and their application. Provide support to business units on the development and implementation of business rules and strategies
• Identify opportunities to apply quantitative methods to improve business performance and recommend establishment of new or modified reporting methods and procedures
• Develop processes and pipelines to generate risk related data from disparate sources e.g. Data Warehouse, Data Marts, Transactional Systems
• Organize and analyze data towards developing informative management reports and visualizations
• Train and support internal customers in their day to day use of risk systems

Job Requirements:

• Bachelor’s degree in Information Technology or a related field is preferred
• Minimum of 5 years in Credit Risk management
• Proficient in working with relational databases and SQL
• Knowledge of relevant programming languages (R, Python)
• Excellent/Proven reporting and visualization skills including dashboards. 
• Experience with Business Intelligence tools such as Power BI or Tableau is an added advantage

NB: In the event that you are invited to interview for any position, we will require that you provide us with the following documents:

• National I.D.
• KRA Pin Card
• Birth Certificate of self
• Passport Photo (White Background)
• NSSF Card
• NHIF Card
• Police Clearance Certificate (less than 5 Months old)
• Academic and Professional certificates, including official transcripts
• Certificates of Service from previous employers as applicabl

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Job Purpose:

To offer leadership in the overall management of the Group Non-Performing Credits, formulate/identify, review and implement policies, strategies/action plans to recover/restructure or restore to performance non-performing loans and provide advice to avoid such situations arising in future.

Undertake overall management of the Group Non-Performing Advances, formulate/identify, review and implement policies, strategies/action plans to recover/restructure or restore to performance non-performing loans and provide advice to avoid such situations arising in future

Key Responsibilities:

• Monitor and control Pre-90 days Retail Credit Portfolio throughout the regions to ensure that asset quality is maintained and improved (PAR & Migration) to within acceptable standards.
• Overall management of non-performing debts to prevent deterioration and improve the bank’s lending asset quality.
• Control specific provisions within budget and ensure adequate levels of provisioning on all accounts in accordance with the laid down credit policies.
• Managing recovery costs within budgets.
• Compliance with the bank’s Credit/NPL Policies and CBK Prudential Guidelines on loan classification and provisioning.
• Timely submission of NPL returns to the Group Board and CBK.
• Formulation of exposure/recovery strategies, action plans and supervising implementation for expedited closure.
• Reduce non-performing credit through aggressive recoveries and viable restructuring thus contributing to the Group bottom line through provisions claw backs.
• Participation in partnership engagement meetings/forums.
• Oversight and support to subsidiaries in the management of the non-performing debts.

Job Requirements:

• Degree from a University recognized by CUE. MBA degree will be an added advantage
• Professional qualification in CPAK/ACCA/ ACIB / AKIB will be an added advantage.
• Minimum of 10 years of wide-ranging bank experience, having a minimum of 4 years’ Senior management level experience in Credit Administration, Credit Analysis, Debt Recovery and Lending related roles.
• At least 4 years’ experience in Managing large teams.
• Proven experience engaging with Banking Regulator, with demonstrated sound understanding of the regulatory environment including CBK Prudential Guidelines 
• Demonstrable understanding of Business fundamentals and the financial services industry.
• Must have awareness of current business trends, risks, challenges and opportunities

The above position is a demanding role for which the Bank will provide a competitive remuneration package to the successful candidate. If you believe you can clearly demonstrate your abilities to meet the criteria given above, please log in to our Recruitment Portal and submit your application with a detailed CV.