Vacancies at KCB Bank Kenya

Key Responsibilities 

• Achieve profitability targets through revenue maximisation and prudent cost management.
• Grow and monitor branch’s liability and asset portfolios to achieve business targets. 
• Grow the customer base, ensure retention of existing customers through high level of customer satisfaction and cross selling.
• Overall management of the branch through efficient utilization of resources. 
• Delivery of excellent customer service through maintenance of high service standards.
• Ensure compliance to Enterprise-Wide Risk Management Framework.
• Motivate, coach, and develop a high performing team.
• Champion digital migration in the branch.

The Person  

For the above position, the successful applicant should have the following: - 

• A Bachelor’s Degree from a recognized institution.
• Cash Management Training is required.
• A minimum of 8 years General Banking experience with at least 2 years at as Branch Manager.
• Should have at least 6 months experience in Branch Operations: Cash, Clearing, Accounts & Administration.
• At least 4 years’ experience in the following roles:of high-performingthe 
• Personal/Business/Retail Banking or Sales Manager.
• Credit Management.
• Customer Service / Relationship Management.

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KEY RESPONSIBILITIES

Evaluation and Approval of Credit Applications:

• Evaluation of credit appetite including appropriateness of structure considering application, tenor, risk versus return relationship, and the evaluation of effectiveness of risk mitigants.
• Deliver well thought out decisions showing sound judgement where applications are within delegated sanctioning authority.
• Effective provision of analyses and recommendations where applications require referral.
• Analysis of credit applications to assess whether the credit risk is in line with the Bank’s Credit Appetite and relative to the profitability of the deal.
• A good understanding of the Risk/ Reward for each deal reviewed. 
• Achieve 100% compliance with lending policy guidelines and other governance requirements.
• Compliance: Responsible for the implementation and adoption within Corporate Credit, 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.
• Support the Corporate business units to deliver world class service to our external customers. Assist relationship managers in negotiating term sheets with clients ensuring that the deal structure, conditions, and covenants conform to the overall credit requirements of the bank.

Management of Risk in Existing portfolio.

• Managing credit risk through measurement of the distribution of actual and expected credit losses, sector concentration and credit risk migration-based probability of default, exposure at default and loss given default parameters.
• Identifying and managing existing high-risk accounts and undertaking the necessary corrective action when the risk profile threatens to become unacceptable.
• Involvement in accounts monitoring process where necessary.
• Informing of developments including the status of and plans for existing troubled accounts, industry risk profiles and shifts in risk grading of clients.

On-going Credit Management:

• Overall management of the portfolio of accounts with appropriate escalation were necessary.
• Strong compliance management (monitoring of ongoing legal compliance requirements) with appropriate escalation where necessary
• Monitoring, questioning, and understanding changes in credit quality in any counterparty/industry.
• Making recommendations to the Credit and Business teams regarding industry trends and the implications for managing the credit facilities of clients in those industries.

Management Reporting

• Informing of developments including the status of and plans for existing troubled accounts, industry risk profiles and shifts in risk grading of clients.
• High level of credibility in respect of recommendations and decisions made.
• The ability to coordinate and manage the credit origination and evaluation process to meet acceptable turnaround times.
• The ability to provide constructive workable guidance to Credit and Business teams.
• The ability and confidence to exercise delegated authority independently whilst still maintaining balance in finding alternatives in order to make deals work (if possible) and in so doing, add value to the deal making process.
• The ability to manage the book to meet set portfolio parameters to ensure quality in the portfolio.
• The ability to take a balanced approach towards risk/reward with effective risk Mitigation as opposed to a risk minimization approach.

QUALIFICATIONS

• University Degree from a recognized institution. 
• Possession of Postgraduate Qualifications in a relevant field from a recognized institution/ Professional Banking qualifications that are Credit/Risk Related including CPA, ACCA, AKIB, CIMA etc. will be an added advantage.
• A solid background in corporate credit, minimum 7 years at decision making level, preferably with a track record of operating with a personal delegated authority in corporate environment. 
• Minimum 5 years’ experience in the application of extensive credit management, preferably in a Corporate and Investment Banking environment with proven ability to understand businesses, funding, and capital management issues.
• Ability to collate and compile appropriate set of financial and business information to quantify and evaluate the risks and benefits of a business proposal 
• Ability to establish the risk profile of a counterparty and incorporate contextual industry risks in a credit application. 
• Working knowledge of risk analysis and risk monitoring in particular the analysis of financial behaviour of businesses, identification of trends and shifts in credit risk profiles of business 
•  Practical understanding of bank’s products and lending facilities that give rise to counter party credit risk.
• The ability and confidence to operate and make decisions independently whilst still operating as an effective team player.

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KEY RESPONSIBILITIES: 

• Constantly monitor real time queues to identify high risk/unauthorized/fraudulent transactions, and institute prompt mitigating action, including instituting appropriate hold (restriction) on accounts identified as having potentially fraudulent issues.
• Reviewing and providing resolutions to queued transactions within the defined SLAs to reduce potential revenue losses, as well as checking daily reports and compromise alerts to track and prevent fraud.
• Undertake research on fraud patterns by tracking confirmed fraudulent transactions and identification of trends from resolved cases and develop rules in the FMS to facilitate fraud prevention and detection, as well as recommend changes to fraud detection system parameters to optimize fraud detection while minimizing negative customer impact.
• Contact customers, banks & Telcos by phone and email to verify transactions and resolve fraud-related account issues, and where fraud is confirmed, create a case in the Case Management system to initiate investigations and dispute management process.
• Study market, industry and environmental trends in frauds to identify emerging fraud patterns and provide these insights to investigators and senior managers for embedding in the Bank’s overall fraud mitigation strategies.
• Undertake Fraud awareness to facilitate appropriate understanding of fraud prevention and detection across the Bank network.
• Prepare periodic summaries of fraud trends as appreciated from the fraud management system and related industry sources to enhance fraud management across the Bank.
• Conduct initial analysis of suspected fraud cases reported, and appropriately escalating them for investigations, as well as providing support to the investigators during investigations.
• Undertake Fraud Risk Assessments on identified risk areas and issue reports with recommendations as appropriate. 
• Intelligence gathering on fraud or planned frauds and taking mitigating actions within set timelines, liaison with law enforcement agencies in respect of matters under investigations and attending court to give evidence.
• Stakeholder engagement (both internal and external) to resolve any issues and/or share insights for purposes of fraud management generally.

MINIMUM POSITION QUALIFICATION REQUIREMENTS

Academic & Professional

• Education     Bachelor’s Degree    Bachelor’s degree from a recognized university.    

RQ

• Professional Qualifications    Forensics/Ethical Hacking/Fraud Management/Data Analysis/Data Science/any relevant area     AA

Experience

• Total years of work experience    5 

Detail     Minimum No of Years Need Type[2]

• Fraud Prevention and Detection in Banking / Financial Services     5  ES
• Analytical techniques (Linear, Regression, Clustering Techniques, Neural Network, Decision Trees etc).     3  DE
• Banking Operations     3 ES
• Automated Fraud Management Systems     1 ES
• Digital Forensics     1 ES
• Stakeholder Management     2 ES
• Criminal Litigation     1 DE

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Key Responsibilities:

• Formulates input to the Employee Relations and Wellness HR Strategy relating to own HR Area.
• Implements the Group HR Policies, procedures and processes relating to own HR area (refer to the Policy Execution Matrix) and provides staff and line management with guidance on matters arising thereof.
• Advise on complex employee matters, including disciplinary processes, grievances, investigations, and dispute resolution, while safeguarding the organization against legal and reputational risk.
• In liaison with the Forensic Department and or other concerned Departments, line management and staff, investigate or coordinate the investigation of staff cases relating disciplinary and grievance matters and see to their conclusion and or determination.
• Manage staff separation procedures and communication, ensuring that internal policies and related statutory requirements are observed/fulfilled.
• Internally manage law suits filed against the Bank involving former staff; includes liaising with the internal legal department for technical legal advice/guidance, collating appropriate case documentation and evidence, contacting witnesses to corroborate the organization’s legal position.
• Manages and Maintains relationships with INTERNAL/EXTERNAL customers/ stakeholders /suppliers relating to own HR Area: Heads of HR Departments, Survey Consultants, Trade Unions/Committees, Medical, Wellness and Industry bodies (e.g. Kenya Bankers Association, Federation of Kenya Employers), Lawyers, Functional Directors, Heads of Departments, Branch Managers, staff and line managers,
• Prepare substantive management papers, reports, recommendations, opinions, briefs, presentations, proposals, meeting minutes relating to own HR area.
• Provides secretarial support for business and or staff committees, schemes, initiatives or forums relating to own HR Area. (Disciplinary and Grievance Handling Committees, Job Description Document Appeals Committees, Union/Management Meetings, Staff Visits and Engagement Forums).
• Maintain accurate and consistent data, records and statistics relating to own HR area.

Minimum Position Requirements

• Bachelor’s Degree in Human Resource Management or a Business related field (Required)
• Professional qualification in HR: (Certificate, Diploma, Higher Diploma, or Postgraduate Diploma in HR – general or specialized) (Required)
• Master’s Degree in Human Resource Management or a Business-related field (Added Advantage)
• Minimum of 7 years’ progressive experience in Human Resources or a related field

Candidates must demonstrate strong, proven hands-on experience in the following mandatory areas:

• Performance Management (Minimum 2 years)
• Employee & Industrial Relations (Minimum 4 years)
• Disciplinary & Grievance Handling (Minimum 4 years)
• Labour Law (Minimum 4 years)
• People Risk Management (Minimum 2 years)
• People Management (Minimum 3 years)
• Relationship Management (Minimum 4 years)

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KEY RESPONSIBILITIES: 

• Planning and designing the program, defining the program’s governance arrangements 
• Facilitating resourcing to project teams in the program whilst ensuring there is allocation of common resources and skills within the program’s individual projects 
• Managing the program’s budget on behalf of the Program Executive, monitoring expenditure and costs against delivered and realized benefits as the program progresses 
• Managing third party contributions to the program
• Managing both the dependencies and the interfaces between projects
• Managing risks to the Program’s successful outcome 
• Proactively monitoring program progress and impact, resolving issues and initiating appropriate corrective action to facilitate program delivery within defined constraints 
• Reporting program at regular intervals to the Program Executive 
• Develop mechanisms for anticipating, responding to and activating change ensuring continued relevance and effectiveness for the business 
• Develop and activate most viable change management strategies and frameworks for successful implementation of projects
• Work with various teams to develop and implement learning programs and frameworks for continuous adoption of changes, improvement and innovation
• Regularly conduct project health checks touching on among other things; strategy alignment, people, processes, and technologies and evaluating how well equipped they are in responding to emerging opportunities and threats
• Participate in establishing and cascading project best practices, templates, tools, processes

Academic Qualifications 

• Bachelors (Business, Engineering or related) 
• Project Management (PRINCE2, MSP, SCRUM)
• Business Analysis (CBAP, Six Sigma)
• Change Management (Change Management Practitioner, Change Management Foundation Certification, CMS, CCMF, CCMP)
• MBA or Equivalent (Added Advantage) 

Experience

• 8 years in Project Delivery (Program & Project Management Skills including prioritization and ability to multi-task, resource management, cost management) of which 5 years should be in managing large scale projects. 
• Relationship Management (Excellent verbal and written communication skills, Presentation and facilitation skills) 
• Strong People management capability 
• Demonstrated Critical thinking, Problem-Solving, Decision-Making skills 
• Change Management Principles, Best Practices and achievements in large scale projects