Ongoing Recruitment at Tower Sacco

JOB PURPOSE

The ICT Security Manager is responsible for establishing, operating and continuously improving Tower SACCO’s information and cybersecurity controls across infrastructure, applications, digital channels, data, endpoints, networks and third-party integrations. The position combines cybersecurity governance, security operations, vulnerability management and ethical testing, identity and access management, application and API security, incident response, technology risk management, regulatory compliance and vendor security oversight.

PREFERRED QUALIFICATIONS

• Bachelor’s degree in Computer Science, Information Technology, Cybersecurity, Information Systems or a related field.
• Professional certification in information/cybersecurity such as CISM, CISSP, CISA, CEH, CCNA Cybersecurity/Cyber Ops, CCSP or an equivalent recognized certification. A combination of governance and hands-on technical security certification is an added advantage.
• Minimum five (5) years of relevant ICT experience, with at least three (3) years of demonstrable responsibility in information/cybersecurity, security operations, infrastructure security, technology risk or related functions.
• Practical experience securing enterprise networks, Windows/Linux servers, Active Directory, databases, virtualization environments, endpoints, firewalls/VPNs and business applications.
• Experience in vulnerability assessment, penetration testing, incident response, access-control reviews and remediation management.
• Experience within financial services, SACCOs, banking, payments or another regulated environment is a strong advantage.
• Working knowledge of recognized security frameworks and good practice such as ISO/IEC 27001,
• NIST Cybersecurity Framework, CIS Controls and OWASP principles is desirable.
• KCSE minimum qualifications: (C Plain) with C (plain) in English and Mathematics

PERSON SPECIFICATIONS

• Age above 30 years.
• High integrity, discretion and strong ethical standards when handling privileged access, security information and sensitive member data.
• Strong analytical, critical-thinking, problem-solving and troubleshooting capability, including performance under high-pressure incident situations.
• Ability to translate technical risks into clear business impact, priorities and actionable recommendations for management and non-technical stakeholders.
• Strong knowledge of authentication, authorization, security administration, network and application security, operating-system hardening and vulnerability management.
• Understanding of ethical hacking, threat modelling, attack paths and defensive controls, with disciplined adherence to approved scope and responsible disclosure practices.
• Strong interpersonal and stakeholder-management skills with the ability to work effectively across
• ICT, Risk, Internal Audit, business departments and external vendors.
• Good planning, documentation and reporting skills, with the discipline to maintain evidence, registers, remediation trackers and security procedures.
• Continuous-learning mindset and ability to keep abreast of emerging cyber threats, technologies and regulatory expectations.

go to method of application »

JOB PURPOSE

• The Branch Manager is responsible for the Branch Business and efficient daily operation of a full service branch office. These include sales and marketing of SACCO products and services, branch operations, lending, customer service, and security and safety in accordance with the SACCO's objectives.

PREFERRED QUALIFICATIONS

• Bachelor’s degree in Finance/Commerce/Management/Economics/Accounting/Banking or any Business Related Field, or CPA Finalist
• Those with both a degree & Higher Diploma or diploma in business related course will have an added advantage.
• Minimum Five (5) years working experience in a financial institution environment with a sound exposure to operations, and at least (3) years in a management role.
• KCSE C (Plain) with C (plain) in Mathematics and English

PERSON SPECIFICATIONS

• Age above 30 years
• Must be empathic to Customer needs
• Be of exemplary integrity and honesty
• Must have a valid driving license
• Be decisive and possess quick judgment skills
• Possess excellent business writing skills
• Be proactive and initiative
• Have excellent communication and interpersonal skills
• Strong leadership and management skills.
   

go to method of application »

JOB PURPOSE

• Responsible for providing the highest customer service by interacting with customers through telephone, emails or social media in order to respond to their inquiries and concerns, process their requests, and resolve their complaints. The officer will be expected to build sustainable relationships of trust through open and interactive communication.

JOB DESCRIPTION

• Build sustainable relationships of trust through open and interactive communication by going above
• and beyond with customer service ensuring that all queries/complaints are handled appropriately.
• Handle customer complaints, provide appropriate solutions and alternatives within the set time limits,follow up to ensure resolution.
• Maintain ownership of calls/emails throughout the lifecycle of a caller’s request including follow-ups with escalation team.
• Resolve product or service problems by clarifying the customer’s complaints, determining the cause of the problem, selecting and explaining the best solution to solve the problem, expediting correction or adjustment, following up to ensure resolution.
• De-escalate situations involving dissatisfied customers, offering patient assistance and support.
• Use the opportunity to cross-sell all other products and services offered by the SACCO in order to
• maximize revenues while enhancing customer’s satisfaction levels.
• Guide the customers calling through troubleshooting, navigating the SACCO’s site or using the products
• and services.
• ? Collaborate with internal teams to create landing pages and optimize user experience.
• ? Keep record of customer interactions by maintaining a daily record of problem and remedial actions
• taken using the call-Centre database.
• Meet qualitative targets and achieve all objectives for service delivery
• Keep an up to date complaint register and keep track of complaints in order to take appropriate
• action.
• Maintain an orderly work flow according to priorities.
• Maintain data integrity

PREFERRED QUALIFICATIONS

• Age above 24 years of age.
• KCSE minimum qualifications: (C Plain) with C (plain) in English and Mathematics
• CCP II/CPA II/CIFA II or Diploma in Public Relations, Business management, Cooperative
• Management, Accountancy/finance & Banking a diploma in relevant field/Bachelor’s degree in public relations, finance, accounting, or any other related field.
• Those with experience of 3 years and above in customer care/call centre will have an added advantage.

PERSON SPECIFICATIONS

• Excellent communication and interpersonal skills
• Customer-focused
• Team player
• Be of exemplary integrity and honesty
• ? Excellent organization skills

go to method of application »

JOB PURPOSE

• The digital marketing officer responsibility is to plan, implement, and manage online marketing strategies that build brand awareness, engage target audiences, and drive customer conversions across digital channels.

JOB DESCRIPTION

• Execute digital marketing tasks.
• Engage with online audiences and respond to comments and replies.
• Generate new, creative content ideas to market the SACCO’s products and services.
• Work closely with the marketing team and other stakeholders and contribute to website design.
• Maintain consistent brand messaging across all social channels such as Face book, X, Tiktok, Google+, Instagram and You Tube.
•  Identify, analyze, and measure content trends to assess how well it’s performing and optimize user experience.
• Assist in creating and maintaining a library of short advertisement audio & visual clips for all our products and services.
• Grow membership subscriptions in the various SACCO digital channels.
• Research, track, and analyze customer’s behaviors and trends and implement research into digital marketing campaigns.
• Collaborate with the marketing team to deliver fruitful marketing campaigns, develop new and innovative growth strategies and marketing techniques to achieve the overall marketing targets.
• Assist in developing and monitoring campaign budgets.
• Keep abreast on the latest social media trends, and implement them in line with the SACCO’s marketing campaigns.

PREFERRED QUALIFICATIONS

• A bachelor's degree in Marketing, Business, Communications, or a related field and certification in digital marketing (Google Certified Professional) or Diploma in digital content creation.
•  Good working knowledge of the latest Google Webmaster, Google Analytics, Google AdWords , and Facebook Ads
•  Having a certificate in the field of digital marketing is an added advantage.
•  Possess working knowledge of computerized office.
•  KCSE minimum qualifications: (C Plain) with C (plain) in English and Mathematics
• Minimum of Three (3)years’ experience in digital media marketing or social media management or email marketing,

PERSON SPECIFICATIONS

•  Age above 28 years of age.
• Must be a team player
•  An analytical mindset & creative
•  Demonstrate integrity and professional competence
•  Excellent written & verbal communication.
•  Attention to detail and ability to meet deadlines.
•  Ability to engage social media audience.
•  Proven track record of delivering qualified leads via owned and earned channels.
• A data-driven mindset with an ability to adjust in real time to drive performance and optimization goals.
•  A keen learner who will collaborate on all deliverables with the team.

go to method of application »

JOB PURPOSE

• The incumbent is expected to work to improve on the SACCO’s market position and grow revenue. This person must implement long-term organizational strategic goals, build key customer relationships, identify business opportunities, negotiate and close business deals as well as maintain extensive knowledge of current market conditions.

JOB DESCRIPTION

• To prospect for new members by networking, cold calling, advertising or other means of generating
• interest from potential clients. Use of persuasive approaches and pitches that will convince potential clients to do business with the SACCO.
• Develop a rapport with new members and provide support that will continually improve the relationship. Will also be required to grow and retain existing accounts by presenting new solutions and services to members. Collaborate with mid and senior level management, marketing, technical staff as well as the sales team.
• Plan, manage, and coordinate the activities of the sales teams in the branch/region and account for their target achievement in the region. Develop a pipeline of new business coming into the SACCO in the various regions and Coordinate with both the Branch Manager and the Marketing Manager to close on any business opportunity.
• Present business development training and mentoring to sales executives and other branch staff.
• Ensure all team members represent the company in the best light.
• To work with the Branch team, marketing staff, and other managers to increase sales opportunities and thereby maximize revenue for the SACCO. To identify potential new customers, make presentations to them, convert business opportunities and continue to grow business in the future.
•  Assist in setting up meetings between members, decision makers and SACCO’s management team.
• Handle objections by clarifying, emphasizing agreements and working through differences to a positive conclusion.
• Attend industry functions, such as association events, conferences and marketing campaigns, and
• provide feedback and information on market and creative trends.
• Identify opportunities for campaigns, services, and distribution channels that will lead to an increase in sales.

PREFERRED QUALIFICATIONS

•  Diploma or higher diploma in marketing or Business related field or a Bachelor’s degree in marketing or any other field and professional qualification would be an added advantage.
•  Professional qualifications: Marketing certification or equivalent
• Possess working knowledge of computerized office.
•  KCSE (C Plain) with C (plain) in English & Mathematics
•  Minimum of Three (3)years’ experience in marketing or business development role, sales or a related field preferably in a reputable financial institution.

PERSON SPECIFICATIONS

• Age above 24 years.
• Effective communication and presentation skills
• Proven track record of achieving or exceeding sales targets
•  Strong problem-solving and decision-making skills
• Team player
• High level of integrity.

go to method of application »

JOB PURPOSE

• Responsible for providing the highest customer service by interacting with customers through telephone, emails or social media in order to respond to their inquiries and concerns, process their requests, and resolve their complaints. The officer will be expected to build sustainable relationships of trust through open and interactive communication.

JOB DESCRIPTION

• Build sustainable relationships of trust through open and interactive communication by going above and beyond with customer service ensuring that all queries/complaints are handled appropriately.
• Handle customer complaints, provide appropriate solutions and alternatives within the set time limits,follow up to ensure resolution.
•  Maintain ownership of calls/emails throughout the lifecycle of a caller’s request including follow-ups with escalation team.
• Resolve product or service problems by clarifying the customer’s complaints, determining the cause of the problem, selecting and explaining the best solution to solve the problem, expediting correction or adjustment, following up to ensure resolution.
•  De-escalate situations involving dissatisfied customers, offering patient assistance and support.
• Use the opportunity to cross-sell all other products and services offered by the SACCO in order to maximize revenues while enhancing customer’s satisfaction leveL
•  Guide customers calling through troubleshooting, navigating the SACCO’s site or using the products and services.
• Collaborate with internal teams to create landing pages and optimize user experience.
•  Keep record of customer interactions by maintaining a daily record of problem and remedial actions taken using the Call-Centre database.
•  Meet qualitative targets and achieve all objectives for service delivery
• Keep an up to date complaint register and keep track of complaints in order to take appropriate action.
•  Maintain an orderly workflow according to priorities.
• Maintain data integrity

PREFERRED QUALIFICATIONS

• CCP II/CPA II/CIFA II or Diploma in Public Relations, Business management, Cooperative Management, Accountancy/finance & Banking a diploma in relevant field/Bachelor’s degree in public relations, finance, accounting, or any other related field.
•  K.C.S.E. Mean grade C (Plain) with C (plain) in English & Mathematics
•  Those with experience of 3 years and above in customer care/ front office will have an added advantage.

PERSON SPECIFICATIONS

•  Age above 24 years.
• Excellent communication and interpersonal skills
• Customer focused
• Team player
• Be of exemplary integrity and honesty
• Excellent organization skills

go to method of application »

JOB PURPOSE

• The Relationship Officer - Credit will be responsible for evaluating, reviewing credit applications, documentation, financial information disclosures such as financial statements, credit reports, collateral details to ensure files are complete, accurate and decision ready while maintaining compliance with SACCO lending policies

JOB DESCRIPTION

•  Continuously track and manage portfolio allocation and the key performance indicators such us loan delinquency, NPL reduction and overall loan book quality- Portfolio At Risk -30 days and PAR – 90 days.
•  Collect, verify, and analyze information to help in determining whether the credit borrower qualifies for the facility.
•  Comply with credit policies and procedures by monitoring activities related to quality disbursement,portfolio monitoring and other routine lending activities
•  Review and update the qualification of risk during the Branch Credit Committee meetings and during the credit life once disbursed.
• Explain to members and would be members on the different types of credit facilities and options that are available and the terms of those services.
•  Obtain and compile loan applicant’s credit histories and other financial information.
•  Appraise loan applications as guided by the Credit policy and the procedure manuals.
•  Use the opportunity to cross-sell all other products and services offered by the SACCO in order to maximize revenues while enhancing customer’s satisfaction levels.
• Use intelligence to verify the authenticity of the person presenting instruments of loan appraisal.
• Negotiate with members regarding financial transactions, payment terms, and credit limits and present the same to the Branch manager.
• Exercise due diligence in operations on Know your customer (KYC) and anti-money laundering (AML) to prevent and detect frauds and forgeries.
• Maintain appropriate filing systems and update the DMS by scanning all documents for the department.

PREFERRED QUALIFICATIONS

•  CCP II/CPA II/CIFA II or Diploma in Credit Management, Business management, Cooperative Management, Accountancy/finance & Banking or diploma in relevant field/Bachelor’s degree in Cooperative, finance, accounting, or any other related field.
• Professional certification such as Certified Credit Professionals/Certified Public Accountant will be an added advantage.
• Minimum experience of 3 years in a reputable financial institution. Those with experience in credit management will have an added advantage
•  KCSE minimum qualifications: (C Plain) with C (plain) in English and Mathematics.

PERSON SPECIFICATIONS

•  Age above 28 years.
•  Ability to multitask with close attention to details.
• Possess good communication and interpersonal skills.
• Ability to maintain high level of equity, transparency and confidentiality.
• Must be a team player
•  Must be empathic to customer’s needs.
• Proactive and possess initiative.
• Self-driven and results oriented.
• Demonstrate integrity and professional competence
• Excellent organization skills

go to method of application »

JOB PURPOSE

• The Risk & Compliance officer is responsible for supporting the identification, assessment, mitigation,reporting, and monitoring of enterprise risks, including compliance with Anti-Money Laundering (AML), Combating the Financing of Terrorism (CFT), and Business Continuity Plans (BCP). He/she ensures adherence to regulatory requirements, corporate governance standards, and industry best practices.

JOB DESCRIPTION

• Co-develop and maintain the company’s enterprise risk management strategy.
• Conduct comprehensive risk assessments across business and functional areas in line with therisk management framework.
• Assist in the development and implementing systems, policies, and procedures for identifying,collecting, and analyzing risk-related information.
• Evaluate the adequacy and effectiveness of controls to ensure identified risks are appropriately mitigated at departmental and process levels.
• Assist in the management and tracking progress on risk mitigation action plans.
• Collaborate with departments to identify, quantify, mitigate, and monitor operational and financial risks.
• Monitor risks and communicate relevant information to risk and compliance Manager who then works closely with the stakeholders to ensure the effectiveness of the enterprise risk management strategy.
• Review new and ongoing products to ensure they undergo comprehensive risk assessments before implementation.
• Assist in development of training programs and conducting training to the staff on risk management, controls, and compliance.
•  Assist in the preparation of monthly, quarterly, and ad hoc risk and compliance reports as required.
•  Coordinate Anti-Money Laundering (AML), Data Protection, and other regulatory compliance activities.
• Implement and maintain effective internal controls to prevent and detect compliance
• violations within SACCO’s operations.
•  Ensure business units comply with applicable regulations through continuous monitoring and review of legislation, internal policies, and controls.
• Identify, assess, control, and enforce compliance risk management across the organization.
• Detect, report, and follow up on suspicious transactions.
•  Stay updated on industry regulations, compliance requirements, and best practices.
• Review and maintain the business continuity program, ensuring regular tests, updates, and
• alignment with policies and frameworks.
• Identify areas of weakness in business continuity and recommend remedial measures in consultation with relevant stakeholders

PREFERRED QUALIFICATIONS

• Bachelor’s degree in Finance, Accounting, Commerce –Risk & Compliance, Actuarial or a related field
•  Risk certification or equivalent professional qualification.
•  Membership in a relevant professional body is an added advantage.
•  KCSE minimum qualifications: (C Plain) with C (plain) in English and Mathematics
• Minimum of Three (3)years proven experience in compliance, risk management, internal audit or regulatory affairs.

PERSON SPECIFICATIONS

• Age above 28 years
• In-depth knowledge of the financial services industry.
• Strong analytical, organizational, and problem-solving skills.
• Personal attributes: integrity, dependability, initiative, results-orientation, creativity, and strong interpersonal skills.
• Effective verbal and written communication skills.
•  Proactive in staying updated on regulatory developments.
•  Knowledge of automation in risk management.

go to method of application »

JOB PURPOSE

• A teller acts as the frontline representative of the SACCO responsible for handling cash transactions,serving members efficiently, and ensuring compliance with SACCO policies and financial procedures. This role is key in maintaining customer satisfaction, accurate record-keeping, and safeguarding the SACCO’s funds while delivering excellent customer service

JOB DESCRIPTION

• Receive and process deposits, withdrawals, and other repayments accurately according to laid-down procedures.
•  Ensure that all laid-down policies and procedures regarding cash handling, locking away and security of cash are adhered to.
• Identify opportunities for migrating customers to more appropriate and cost-effective channels. i.e.Mobile/Internet/ATMS whichever is most suitable.
• Responsible for the implementation and adoption within the Branch of all Compliance, Anti-Money
• Laundering and Sanctions related requirements contained in policies, procedures and processes. This includes the consideration and approval of customers including those that require being subjected to
• Enhanced Due Diligence for on-boarding and continued business.
• Resolve customer complaint and where not in position direct them to the superior.
• Seek possible solutions for customer concerns in line with the SACCO’s policy and advise.
•  Provide the customers with the highest quality required services and further take the opportunity tocross sell SACCO products.
• Identify and report suspicious transactions to safeguard SACCO funds

PREFERRED QUALIFICATIONS

• Bachelor’s degree in Cooperative/ finance/accounting, or any other related or Diploma in Management/Accounting/finance & Banking or a relevant field or
• Professional certification as a Certified Credit Professional/Certified Public Accountant.
• Minimum relevant experience of 3 years preferably in a reputable financial institution.
•  KCSE minimum qualifications: (C Plain) with C (plain) in English and Mathematics.

PERSON SPECIFICATIONS

• Age above 24 years.
• Excellent communication and interpersonal abilities.
• High level of integrity and attention to detail.
• Ability to Multitask with close attention to details.
• Possess good interpersonal skills and sound judgement
• Must be a team player
•  Self-driven and results oriented.
•  Excellent organization skills