Vacancies at K-Unity

Reporting to the Business development and marketing Manager the purpose of the Job is to sell Sacco labilities and assets, recruit new members and offer exceptional customer experience.

Duties and Responsibilities

• Answer incoming calls and respond to customer’s emails
• Manage and resolve customer complaints
• Provide product and service information to customers
• Research required information using available resources
• Route/document calls to appropriate resources/departments/Branch.
• Document all call information according to standard operating procedures
• Recognize, document, and alert the management team of trends in customer calls.
• Follow up customer calls where necessary.
• Upsell/Cross Sell products and services.
• Manage inbound and outbound customer calls in a timely manner.
• Identify customers’ needs and wants, give your best to clarify information.
• Keep records of all conversations in our call center database in a comprehensible way.
• Build strong relationships with customers.
• Meet qualitative and quantitative targets.
• Respond to general marketing enquiries
• Market Sacco liabilities i.e. member accounts and savings.
• Market Sacco assets i.e. loans and credit products.
• Recruit new members; and general customer service.
• Perform any other duties as may be assigned from time to time.

Minimum Qualifications

• Degree/KNEC Diploma in Public Relations/Business Management/Marketing/Cooperative Management.
• Professional training in customer care.
• Proficient in relevant computer applications
• Excellent data entry and typing skills
• Ability to handle stressful situation appropriately
• Adaptable to different personality types
• Familiarity with CRM technology is an added advantage.
• Ability to multi-task
• Attention to detail, good interpersonal & problem-solving skills.
• Strong commitment and passion to customer service.
• Must be able to work in a fast-paced environment.
• Excellent oral and written communication skills.
• Have minimum two years’ practical experience in customer care in a financial institution.

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Job Summary

Reporting to the Legal Officer the job holder will be responsible for supporting SACCO operations through legal documentation, loan recovery processes, contract management, and regulatory compliance. The Assistant should be skilled in preparing legal correspondence, maintaining member records, handling securities documentation, and assisting with debt collection procedures.

Duties and Responsibilities

• Assist in the preparation, compilation, and filing of evidence and documentation for debt recovery and related litigation matters.
• Maintain and regularly update conveyancing trackers, litigation trackers, and court diaries to ensure timely follow-up and compliance with procedural timelines.
• Maintain a well-organized legal filing system, both physical and electronic, ensuring secure custody, easy retrieval, and confidentiality of legal documents.
• Manage and update the Chattels Security registration system, including registration, amendments, discharges, and record-keeping of security interests.
• Prepare and issue offer letters for unsecured loans approved and issued at Branch level.
• Assist in responding to internal and external legal queries relating to loan documentation and recoveries.
• Perform any other duties as may be assigned by the Legal Officer or Sacco Management from time to time.

Key Qualifications:

• Diploma in Law or Paralegal Studies
• At least 2-4 years of experience in the Legal Department of a financial institution
• Familiarity with loan recovery and litigation processes is an added advantage
• Must be computer literate.
• Strong interpersonal skills with excellent communication and presentation skills
• Strong understanding of cooperative laws, financial regulations, and confidentiality requirements.
• A person of integrity, team player and have effective communication skills.

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Reporting to the Recovery Manager, the Recovery Officer will be responsible for:

• Reviewing non-performing loan book and developing appropriate strategies to ensure timely recovery of amounts due, with minimum loss exposure.
• Bringing overall debt recovery knowledge and overall structuring and management of credit facilities.

KEY RESPONSIBILITIES

• Meeting set Collections and Recoveries targets.
• Delinquency management to below the regulatory requirement.
• Based on overall assessment of the NPL book and debt recovery success rate, critically reviewing all non-performing facilities and development of appropriate strategies to ensure K-Unity recovers the amounts due in an efficient and cost-effective manner.
• On a case-by-case basis, assessing K-Unity positioning and its ability to recover the amounts due without forced realization of securities held as far as possible. This includes detailed negotiations with the defaulting clients for facilities re-structure, where possible, to maintain customer goodwill.
• Planning and closely coordinating the debt recovery process with various stakeholders, including Lawyers, Valuers and Auctioneers amongst others, to avoid undue delay and recovery costs escalation.
• For cases in court, ensuring the relevant evidence in support of K-Unity case is properly documented and shared with the key stakeholders in good time, ahead of court appearances. Representing K-Unity as a witness as and when required.
• Where K-Unity is represented in court by other witnesses, ensuring these witnesses are well prepared with information and absolute clarity on the background of each case.
• Providing periodic reports to the Recovery Manager on the status of each non-performing facility, with clear recommendations on the way forward or closure.
• This is not a complete statement of all duties and responsibilities of this post; you may be required to carry out other duties as directed by the Supervisor.

KNOWLEDGE, SKILLS AND EXPERIENCE

Formal Education:

• Bachelor’s degree in finance, accounting, banking, or any other business-related field.
• Professional qualification in Credit e.g., C.C.P is an added advantage.
• Professional qualifications in accounting will be an added advantage.
• 2 years progressive working experience in debt recovery in a bank or financial institution.
• Knowledge of debt recovery and realization process
• Strong analytical skills.
• Excellent negotiation skills.
• Effective communicator – both verbally and in writing.
• Strong interpersonal skills.
• Focused and self-driven
• Attentive to detail.

Skills

Technical Skills

• Excellent Analytical skills
• Excellent Report writing skills
• Good Negotiation skills
• Superb Customer service skills
• Good Planning and Organizing skills

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Job Summary

Reporting to the Business Support Manager the job holder will be responsible for leading the branch team, deliver outstanding business performance through robust leadership of the Branch ensuring optimum productivity, operation efficiency and exceptional customer service.

Duties and Responsibilities

• Drive business growth and development as per KPIs given.
• Evaluate local market conditions identify current and prospective sales opportunities and develop forecasts, and business plans for the branch.
• Develop and implement branch strategy to ensure achievement of branch targets.
• Address customer and employee satisfaction issues promptly and promote a superb customer service culture.
• Cooperate fully with the credit department in extending and enforcing credit policy.
• Credit risk monitoring and control of credit portfolio.
• Ensure proper due diligence on KYC is conducted on all customer accounts to effectively manage AML risks at the branch level.
• Ensure total observance of control and risk policies and procedures by all staff in the branch.
• Monitor and evaluate the performance of all branch staff, prepare performance appraisals, and recommend and/or initiate corrective action where necessary to improve performance.
• Provide leadership and guidance to the branch team through effective planning, communication, training, mentoring, and coaching.
• Ensure achievement of the branch performance objectives.
• Leading by example, ensure adherence to integrity and high ethical standards by all staff in the branch.
• Ensuring compliance with occupational, safety and health requirements.
• Liaising with the departmental heads and other relevant stakeholders on issues relating to the branch.

Key Qualifications:

• Bachelor’s Degree holder (in a business field), CPA or Diploma in Marketing.
• Management and leadership ability: have excellent interpersonal and people management skills.
• Good analytic skills.
• Must be computer literate.
• Strong interpersonal skills with excellent communication and presentation skills
• Ability to focus and execute on defined projects, with the potential to grow the business.
• A person of integrity, team player and have effective communication skills.

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One-year renewable contract

Reporting to the Branch Manager, the Credit Portfolio Officer will be responsible for.

• Managing the assigned portfolios.
• Ensure proper loan analysis and appraisal
• Guarantee proper loan monitoring.
• Deliver superb customer relationship management.
• Ensure efficient collection of outstanding loans to maintain the recommended PAR levels.

KEY RESPONSIBILITIES

• Conduct thorough due diligence and checks before disbursing a facility and there after engaging clients for post-review dynamics in the event circumstances changes.
• Loan analysis- collect, verify, and analyze information to help in determining whether the borrower qualifies for the facility given his/her personal entrepreneurial business/venture skills, macro-economic market outlook and the amount of their investments/equity in their businesses/ventures.
• In collaboration with the Credit Manager –review and update the qualification of risk during the analysis of the credit proposal and during the life of the loan once disbursed.
• Support the execution of ‘’due diligence’’ of businesses in every stage of the loan’s application to ensure well informed decision making and qualification of the risk involved. Critically analyze the financial statements and apply financial, commercial, environmental, and social criteria to the actual and considered credits, providing recommendation for payment, and monitoring of disbursed loans.
• Loan appraisals- examine a customer’s capability and securitization/collateralization, subjecting the borrower to a rigorous business/personal check with the aim of determining whether the client has current or potential cash flows to make good the loan obligation and whether the client has a collateral/security in the event of adversity.
• Client relationship - continual interaction and communication with clients, in collaboration with the Business Development Department enhance value addition to clients through skills enhancement at their establishments & farms, and more so resolving their complaints regarding the SACCO facilities and services.
• Loan monitoring- post-loan analysis & appraisal that may lead, if necessary, to restructuring and rescheduling of the facilities in case of change e.g. a disruption in macro-economic business environment.
• Debt collection - Where some facilities fall due in a portfolio follow the best remedial strategies of communication through mobile phones, emails, demand letters and ultimately guarantorship, and collateralization.
• Monitoring of Portfolio at Risk (PAR) in the assigned portfolios and advising management on areas of concern
• Ensuring collection and recovery systems are compliant with all relevant legislation and regulatory requirements.
• Ensure Client contract compliance in line with loan agreement/ approved terms and conditions.
• Prepare daily and monthly reports and any other report as may be required by the Management.

KNOWLEDGE, SKILLS AND EXPERIENCE

Formal Education:

• Bachelor’s degree in a Business-related field.
• Professional credit qualification e.g. Certified Credit Professional (C.C.P or C.P.A (persons currently pursuing will be considered).

Skills

Technical Skills

• Excellent Analytical skills
• Excellent Report writing skills
• Good Negotiation skills
• Superb Customer service skills
• Good Planning and Organizing skills

General/Core skills

• Good Interpersonal skills
• People management skills
• Problem solving skills

Experience required

Have a minimum of two years’ practical experience in a financial institution.

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One-year renewable contract

Reporting to the Business Support Manager, the Records Officer will be responsible for guiding Management in the setting up and automation of the records/registry function, the effective and appropriate management of the Sacco’s records from their inception, right through to their eventual disposition. They will provide access to accurate records for a range of operational and strategic purposes and ensure that legal obligations are met.

KEY RESPONSIBILITIES

• Ensure safe custody of all the Saccos documents.
• Create and maintain database for control and retrieval of documents.
• Ensure and guide on proper handling of all the Saccos documents.
• Ensure proper storage, custody, and preservation of archives.
• Guide in the preparation of a Records Management Policy in line with the law.
• Attend to document related queries.
• Provide input in the preparation of Sacco’s forms.
• Implement a system to ensure control of document movement.
• Prepare, scan, reassemble and index documents ready for filing.
• Guide on the number of records created and stored, and identify which records are to be preserved/ disposed for evidential, statutory, fiscal, research and historical purposes.
• Locate and isolate outdated or unnecessary records ready for disposition or transfer to the archive according to the Records Management policy guidelines.
• Modify and streamline the filing systems by appending identification numbers or codes to the filing index.
• Place materials into storage locations, such as file cabinets, boxes, bins, or drawers, according to classification and identification.
• Perform general Registry duties such as photocopying, attending to registry related enquiries, and ensuring the safety and security of the registry.
• This is not a complete statement of all duties and responsibilities of this post; you may be required to carry out other duties as directed by the Supervisor.

KNOWLEDGE, SKILLS AND EXPERIENCE

Formal Education:

• Bachelor’s degree in Information Science, Records Management, Information Technology, Archives and Records management or any other equivalent qualification from a recognized institution.
• 3 years post graduate records management experience in a reputable Financial Institution.
• Must have demonstrable working Knowledge of a DMS solutions
• Possess working knowledge of computerized office applications.
• Be a current registered member of at least one related Professional body.
• Demonstrate good communication and interpersonal skills.
• Excellent organizing skills.
• Demonstrated integrity and professional competence.
• Must be a team player.
• Ability to work under pressure.
• A proficient and forward-thinking Individual
• Analytical with a hands-on approach to monotonous tasks.
• Self-driven and results oriented.
• Problem solving skills

Experience required

• Have a minimum of three years’ practical experience in a financial institution.