Vacancies at Gulf African Bank

Job Purpose:

• The Relationship Manager- Mortgage is responsible for originating, advising, and managing mortgage financing solutions for individual and SME customers.
• The role involves identifying customer needs, structuring property finance solutions, supporting home ownership ambitions, and contributing to the Bank’s asset growth and revenue through effective sales and risk-managed financing.

Key Responsibilities

Mortgage Sales & Business Development

• Actively source and generate leads for mortgage loans through branch referrals, partnerships (real estate agents, developers), and field engagement.
• Achieve monthly/quarterly disbursement and revenue targets as set out in the mortgage business plan.
• Identify and cultivate relationships with property developers, valuers, lawyers, and housing cooperatives for pipeline development feedback, potential product needs, next steps, credit-relevant information etc.).

Customer Engagement & Advisory

• Advise clients on various home loan solutions such as home purchase, home construction, equity release, plot purchase, and developer finance.
• Guide customers through the mortgage application process, explaining documentation, fees, timelines, and expectations clearly.
• Conduct financial needs analysis and affordability assessments in compliance with lending guidelines.
• Deliver a high-quality service by owning customer engagement, striving for excellence in all interactions with (prospective) customer or other professionals, and always acting according to the highest professional standards

Relationship Management & After-Sales Support

• Provide post-approval support and periodic updates to clients during disbursement and registration.
• Conduct regular follow-ups with existing mortgage clients to encourage top-ups, early repayments, or referrals.
• Maintain a database of customers and key property partners to ensure proactive relationship management.

Compliance & Risk Management

• Ensure all mortgage applications are processed in accordance with the Bank’s credit policies, KYC/AML standards, and CBK guidelines.
• Identify potential risks related to property titles, valuations, or client capacity and escalate appropriately.
• Monitor account performance and assist in early detection of potential delinquency or restructuring needs.

Portfolio Management and Collection

• Continuously monitor client facilities to detect early warning signs such as delayed payments, changes in business performance, or evolving financial needs.
• Regularly assess portfolio performance to identify risk mitigants, flag deteriorating accounts, and pursue growth or crosssell opportunities.
• To continuously reassessing risks associated with the sector the client is in and inherent in the business, taking account of changing economic or market conditions, legal and regulatory requirements, operating procedures and practices, management restructurings
• Track accounts in arrears, collaborate with internal teams, and coordinate with the Collections Unit to reduce credit risk and drive effective recoveries.

Skills and Experience required for this Role

• Bachelor’s degree in Business, Finance, Real Estate, or related field. Certification in credit or real estate is a plus
• Minimum 3-5 years of proven experience in mortgage sales or credit within a banking or real estate finance environment.
• Strong understanding of Kenya’s housing market, legal conveyancing process, land registration system and a good network within the real estate sector.
• Familiarity with credit appraisal, facility structuring, and lending procedures.
• A track record of achieving sales targets, coupled with excellent self-management, problem-solving, and decision-making skills.
• Good network with real estate developers, property agents, and housing sector players. Exceptional communication and relationship management abilities, with a commitment to delivering high-quality service and fostering trust.

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Job Purpose:

• The role of Relationship Manager (RM), Corporate Banking, is to build and maintain a high-quality portfolio of Corporate clients.
• He/she is responsible for understanding the needs of his/her clients and developing tailored solutions to meet these needs using the Bank’s suite of products and services targeted to the segment. The RM is responsible for managing his/her clients, ensuring compliance with the Bank’s internal policies, regulatory guidelines and Shariah guidelines.
• The position holder will be responsible for delivering allocated business targets in Deposits, Assets and Revenues in accordance with the Department’s annual performance plans

Key Responsibilities:

• To formulate marketing plans/strategies towards targeting of corporate customers for the purpose of acquiring deposits and providing financing
• To ensure adequate customer retention strategies are employed to attain growth from existing customers
• Market corporate banking products and services and grow quality corporate asset book focusing on long-term development of mutually advantageous client relations while ensuring that all short-term objectives are met simultaneously.
• Enhance the Bank’s profitability through enhanced funded and non-funded income and management of costs to deliver on the overall financial performance of the Bank.
• Maintain proper client relationship in order to ensure retention and growth in the corporate business.
• Accountable for the level of quality service provided to the customers within the portfolio being supported in close consultation with the relevant relationship officer and all the other arms of the Bank.
• Ensuring efficiency in business processes and controls to minimize risk exposures. Practicing compliance with Shariah processes, all relevant legal, regulatory and bank policies.
• Ensure staff productivity, timely reporting on business issues and execution of training and personal career development plans.

Required Competencies (Knowledge, Skills & Abilities)

• Bachelor’s degree in an Analytical/Business related field
• CPA or relevant professional qualification.
• 5 years banking experience in a lending function with at least 3 years in credit analysis.
• Experience or sound understanding of credit risk and the techniques of financial analysis
• Proficiency in use of relevant MS office applications
• Competencies Required for this Role:
• Knowledge of relevant lending products
• Strong credit analytical skills including business plan analysis, numerical and financial analysis and interpretation
• Key understanding of regulatory and legal environment
• Problem Solving skills
• Analytical and methodical skills
• Excellent Communication skills.
• Decision making skills
• Organizing skills
• Communication skills

Qualifications

• Business related University Degree, preferably with a major in Finance, Marketing and/or Economics; from a recognized institution.
• A postgraduate degree or professional qualification such as MBA, CPA, will be an added advantage.

Experience

• Minimum 4 years’ experience in Relationship Management in middle management and at least two years in Banking
• operations with a strong emphasis on service delivery.
• Experience managing borrowing customers and analyzing financing proposals, especially for Corporate
• Possess Public Relationship skills in both formal and social gatherings and ability to establish and maintain effective
• working relationship with those interacted with in the course of carrying out duties.
• Must possess sound knowledge of Bank products

Personal attributes

• Emotional Intelligence; Dynamic, individual with the ability to work under pressure.
• Excellent selling skills
• Strong networking skills, for both internal and external networks
• Relationship Management skills with excellent Human Relations skills, communication skills and interpersonal skills
• A passion for performance, building team play, and achievement in a competitive and dynamic environment
• Hardworking, strategically minded individual with excellent leadership, organizational, and planning skills
• Commercial awareness and customer focus
• Pleasant, honest, outgoing, well-groomed and self-driven person of high integrity.

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Job Purpose:

• The Ecosystem Banking Manager is responsible for identifying, developing, and managing strategic business ecosystems that drive customer acquisition, deepen client relationships, and unlock new revenue streams.
• This role focuses on integrating banking solutions into industry value chains (e.g. energy, agriculture, health, education, trade, manufacturing) by collaborating with anchor clients, suppliers, distributors, fintech’s and other ecosystem players.
• The Ecosystem Banking Manager will be instrumental in leveraging technology, partnerships, and data analytics to create and implement customer-centric financial solutions, ensuring competitive advantage and sustained profitability for the bank.

Key Responsibilities

Ecosystem Development & Strategy

• Identify and map strategic ecosystems relevant to the Bank’s growth agenda.
• Develop and execute a comprehensive ecosystem strategy aligned with our overarching business goals and digital transformation goals.
• Drive end-to-end ecosystem engagement — from anchor onboarding to supplier/distributor/agent integration.
• Drive go-to-market strategies and establish operational structures that support financial targets.
• Empower r the relationship managers with a clear roadmap for long-term scalability and development.
• Develop compelling business cases for new ecosystem initiatives, outlining potential value, revenue streams, and investment requirements.

Partner & Anchor Client Engagement

• Build and cultivate strong, mutually beneficial relationships with anchor clients and key partners to support value chain financing.
• Engage with key customers and industry stakeholders to implement initiatives that expand product penetration and adoption. Fostering collaboration with internal teams to align efforts and maximize value creation.
• Establish and nurture strategic partnerships and alliances that enhance the bank’s ecosystem. Focusing on developing linkages between corporate value chain anchors and SME businesses to drive mutual growth and innovation.
• Develop customized banking solutions for ecosystem participants (e.g., working capital, supply chain finance, collections).
• Collaborate with FinTech’s, aggregators, platforms, and industry bodies to enhance ecosystem delivery.

Portfolio Growth & Risk Management

• Drive business growth within assigned ecosystems through deposit mobilization, financing and cross-selling.
• Maintain a strong control environment by monitoring credit quality, compliance, and risk exposure of ecosystem portfolios.
• Develop pipeline reporting and sales forecasts aligned to strategic objectives.
• Monitor and analyse ecosystem performance, utilizing data to identify trends, optimize strategies, and report on key

KPIs.

• Drive end-to-end ecosystem engagement — from anchor onboarding to supplier/distributor/agent integration.
• Drive go-to-market strategies and establish operational structures that support financial targets.
• Empower r the relationship managers with a clear roadmap for long-term scalability and development.
• Develop compelling business cases for new ecosystem initiatives, outlining potential value, revenue streams, and investment requirements.

Partner & Anchor Client Engagement

• Build and cultivate strong, mutually beneficial relationships with anchor clients and key partners to support value chain financing.
• Engage with key customers and industry stakeholders to implement initiatives that expand product penetration and adoption. Fostering collaboration with internal teams to align efforts and maximize value creation.
• Establish and nurture strategic partnerships and alliances that enhance the bank’s ecosystem. Focusing on developing linkages between corporate value chain anchors and SME businesses to drive mutual growth and innovation.
• Develop customized banking solutions for ecosystem participants (e.g., working capital, supply chain finance, collections).
• Collaborate with FinTech’s, aggregators, platforms, and industry bodies to enhance ecosystem delivery.

Portfolio Growth & Risk Management

• Drive business growth within assigned ecosystems through deposit mobilization, financing and cross-selling.
• Maintain a strong control environment by monitoring credit quality, compliance, and risk exposure of ecosystem portfolios.
• Develop pipeline reporting and sales forecasts aligned to strategic objectives.
• Monitor and analyse ecosystem performance, utilizing data to identify trends, optimize strategies, and report on key
• Continuously scan the market landscape to identify emerging trends, competitive dynamics, and disruptive technologies.
• Leverage market insights to inform ecosystem development and identify innovative solutions that create new value for our customers.

 Customer Engagement Data-Driven Decision Making

• Develop and execute strategies that prioritize customer needs and enhance customer experience. Leverage market and user research to build customer-centric products that meet evolving market demands.
• Utilize data analytics to inform strategic decisions, drive performance, and achieve a high return on investment.

Stakeholder Collaboration & Enablement

• Liaise with SME and Corporate Banking, Credit, Operations, Digital Channels, and Technology teams to deliver seamless ecosystem banking experiences.
• Conduct regular training and knowledge sharing sessions for Relationship Managers and frontline teams on ecosystem
• Represent the bank in industry forums, partnerships, and thought leadership events.

 Operations/Compliance

• Ensuring compliance in (but are not limited to):
• Shariah-related, Know Your Customer (KYC), Anti-Money Laundering (AML), and other policies are adhered too
• All customer information, customer documentation and queries are treated in line with confidentiality agreements as
• per the Data Protection Act and other policies and contracts.
• Any relevant regulations.
   

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Job Purpose 

• To manage, grow, and deepen relationships with High Net-Worth Individuals by providing personalized financial advice, investment solutions, and superior banking services.
• The role entails delivering holistic wealth management services to affluent clients, achieving financial targets, and enhancing the Bank’s position as the preferred financial partner for HNI clients.

Key Responsibilities:

Strategy and Business Development

• Design, formulate and execute segment growth strategies and marketing programs to drive segment revenue (P&L) and business performance
• Develop compelling value propositions and tailored products to attract and retain HNI clients.
• Design products based on identified customer needs, formulate tactical business plans to package product offer to grow segment base, enhance customer engagement and work closely with internal stakeholders to launch them
• Collaborate with internal teams to launch innovative solutions that meet client needs.

Client Acquisition & Relationship Management

• Acquire new HNI clients through referrals, targeted marketing, and strategic prospecting.
• Cultivate enduring relationships, serving as a trusted advisor and ensuring exceptional service.
• Conduct regular portfolio reviews to align with client financial goals and risk appetites.
• Build positive and lasting relationship with individual and family clients, family offices, foundations and their advisors, managing the different dynamics and interests of the parties to build consensus and realize desired results.
• Create an execute a client driven relationship management and portfolio management strategy that will result in increased revenue, profit, share of wallet and contained PAR within Bank guidelines.

Portfolio Growth & Revenue Generation

• Achieve assigned financial targets including deposit mobilization, asset growth, fee income, and product cross-sell.
• Proactively identify new revenue opportunities within the client portfolio.
• Monitor credit exposures to ensure portfolio quality and timely repayments.

Client Experience & Retention

• Ensure high-quality service delivery and resolution of client issues within agreed service-level agreements (SLAs).
• Provide concierge banking support — coordinating account setup, product access, and premium services.
• Maintain high levels of client satisfaction through personalized communication, financial updates, and exclusive engagements.

Risk, Compliance & Documentation

• Ensure strict adherence to all regulatory requirements (KYC, AML, CBK guidelines) and internal Bank policies.
• Keep proper documentation of client transactions and financial advice.
• Monitor client accounts to identify red flags or unusual activities that may pose reputational or regulatory risks.

Business Targets

• Primarily responsible for acquiring, servicing and managing HNI client relationships through one on one engagement, identifying client needs and providing them with the appropriate bank products, services and solutions with the ultimate goal to
• Driving revenue and volume growth of portfolio assigned

New to Bank client acquisition

• Deepening of existing client relationships
• Cross sell of products/ solutions thereby increasing their share of wallet in the Bank
• Retention of existing customers
• Increase of customer satisfaction levels
• Delighting clients through providing excellent service which leads to increased loyalty

Knowledge and Experience required for this Role

• Bachelor’s degree in Finance, Business, Economics, or a related field (MBA or CFA an added advantage).
• Minimum of 5-7 years of experience in retail, private, or wealth banking, with at least 3 years specifically managing HNI clientele in Kenya.
• In-depth knowledge of financial markets, investment instruments, and wealth management solutions.
• Up-to-date knowledge of financial markets, economic indicators, and global wealth trends.
• Deep understanding of Kenya’s affluent market, client preferences, and the competitive landscape.
• Proven ability to drive business development, acquire new clients, and significantly grow portfolios
• Strong analytical, financial, and credit assessment skills.
• Exceptional communication, negotiation, and interpersonal skills, with the ability to build and maintain trust with highvalue clients.
• Demonstrated self-management, accountability, and a commitment to personal development.
• Proven leadership skills with the ability to mentor and support a team. In-depth knowledge of financial markets, investment instruments, wealth management solutions, and global wealth trends.

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Job Purpose:

• The Ecosystem Banking Officer will support the delivery of the Bank’s ecosystem banking strategy by coordinating anchor client onboarding, facilitating value chain linkages, and assisting in the implementation of financial solutions tailored to various sectors (e.g., agriculture, trade, energy, education, and health).
• The role requires strong execution skills, relationship support, and analytical capabilities to manage ecosystem data, monitor performance, and help ensure a seamless customer and partner experience.

Key Responsibilities:

Ecosystem Coordination & Execution

• Support the identification and mapping of ecosystem participants, including anchor clients, SMEs, suppliers, and distributors.
• Coordinate onboarding processes for ecosystem-linked clients across multiple channels.
• Assist in tracking ecosystem activity across key value chains and support end-to-end relationship management.

Relationship & Partner Support

• Liaise with Relationship Managers to coordinate meetings, client onboarding, and solution rollout.
• Assist in managing day-to-day communication with anchor clients, suppliers, and ecosystem partners.
• Help build and maintain databases of ecosystem partners and ensure up-to-date records are maintained.

Product Implementation & Customer Experience

• Assist in tailoring banking solutions (e.g., working capital, digital collections, supply chain finance) to ecosystem players in collaboration with product teams.
• Track service delivery timelines, resolve client queries, and escalate bottlenecks for timely resolution.
• Ensure that all ecosystem participants experience a smooth transition into the Bank’s platforms and services.

Data Analysis & Reporting

• Monitor ecosystem portfolio performance metrics (e.g., assets, deposits, transaction volumes).
• Prepare dashboards and reports to support strategy execution and decision-making.
• Leverage internal systems to analyze usage trends and customer behavior’s for continuous improvement.

Compliance & Operational Support

• Ensure all documentation, KYC, and due diligence processes are completed for each ecosystem participant.
• Support compliance with AML, data protection, and Shariah policies (where applicable).
• Coordinate with operations, legal, and credit departments to ensure policy-aligned execution.

Operations/Compliance

• Ensuring compliance to Bank policies. These include (but are not limited to):
• Ensuring that Shariah-related, Know Your Customer (KYC), Anti-Money Laundering (AML), and other policies are adhered too
• Ensuring that all customer information, customer documentation and queries are treated in line with confidentiality agreements as per the employment contract with the Bank.

Knowledge and Experience required for this Role

• Business graduate from an accredited University preferably with a major in Finance, Marketing and/or Economics.
• Proven experience of at least 4 years in Banking handling SME or Corporate Banking portfolio and digital platforms or project implementation preferred.
• Prior experience in ecosystem banking, value chain finance, or partnership development will be a plus.
• Ability to gather, interpret, and leverage data to support decision-making, identify trends, and spot areas for improvement.
• Sound knowledge of financial statements, business segments, economic sectors, and relevant banking policies (e.g. Credit, KYC, AML, Shariah).
• Excellent communication and relationship management skills, with a knack for understanding needs and providing effective support.
• A strong sense of ownership, initiative, and the ability to prioritize tasks, meet deadlines, and adapt to change.