Vacancies at NCBA Group

Job Purpose Statement

Responsible for all the settlements and reconciliation completed daily, weekly and monthly. Review the transaction details from all issuing & acquiring networks on daily basic and reconcile every transaction that have been settled. Investigate and process cards chargebacks -To prepare and submit monthly proofing for related general legers accounts.

Key Accountabilities (Duties and Responsibilities)

Customer experience 10% 

• Achieve Customer Satisfaction Index above 70%
• Expand the agent and merchant networks, and drive the usage of Card and ATM channels
• The role holder is also responsible for supporting the bank’s strategies and initiatives to provide an effective and engaging digital customer onboarding experience

Internal business processes; transaction settlement and reconciliation Automation and Innovation 70% 

• Process card transactions daily. This includes, reviewing and resolving transaction exceptions variances and unclaimed transactions
• Process inter-bank bulk VISA settlement for domestic and international transactions daily for all four countries.
• Review refunds and reversals received on VISA reports against system data and credit customers once justified.
• Review submitted disputes prior to escalation as chargeback
• Manage disputes raised on Visa Online by reviewing responses from Acquirers and relay feedback to customers affected within stipulated VISA time frame.
• Process prepaid card manual funds transfers for expired, lost or upon customer request.
• Process prepaid card refunds report daily
• Reconcile the prepaid suspense accounts against system report and clear exceptions
• Process MPESA paybill reversals on MPESA portal and pass relevant GL entries.
• Ensure daily rates are maintained in the card systems i.e PRIME and Powercard.
• Manage multiple Card Network related settlements and transaction details on a daily manner
• Enforce strong risk and operational controls at all times and secure satisfactory audit results and adhere strictly with Card Data Security rules
• Ensure all Operations activities are carried out in compliance with authorized processes and procedures and all processes to be documented as per rules from the issuing/acquiring network operator.
• Work in close collaboration with peers from Risk Unit, Issuing unit and merchant business support to support the accounting functionality related to reconciliation and settlement
• Support post-Merger data migration and analysis.

Financials Revenue collection Cost Management 10% 

• Ensure all Revenues are picked from Operational transactions where possible Waivers done at appropriate level (Director of Unit) and Realize Quantifiable Revenue from above initiative
• Identify and escalate any areas of operations that can reduce costs. Operate within the departmental cost limits

Learning & Growth 10% 

• Adequacy of personal competence development to effectively perform tasks by Proactively taking courses or  Support Fraud mitigation and monitoring by reporting suspicious transactions to Security team.
• Support automation/ Innovation, process review improvement developments & Card/ATM Products testing
• Prepare and submit weekly report/exhibits of the account GL to the card Operation manager on a daily basis.
• Card support query management and resolution to uphold excellent customer service
• To carry out any other duties or special projects which may be assigned to you from time to time by supervisor
• Participate in the review and development of new initiatives designed to improve on the existing platformJob Purpose Statement
• Responsible for all the settlements and reconciliation completed daily, weekly and monthly. Review the transaction details from all issuing & acquiring networks on daily basic and reconcile every transaction that have been settled. Investigate and process cards chargebacks -To prepare and submit monthly proofing for related general legers
• accounts.

Ideal Job Specifications

• Academic: Bachelor’s degree or equivalent
• Professional: Accounting qualification will be an added advantage
• Desired work experience: 18 months experience year’s banking experience or equivalent

NCBA Bank Core Value Competencies

• Responsive – Being solution oriented, customer-centric, timely and efficient, supportive & collaborative.
• Being creative and demonstrate stewardship
• Trusted – Being accountable, honest & working with integrity
• Open – Being candid & transparent with interactions. Employ active listening & respect towards
• customers and colleagues
• Driven – Having commitment, drive, decisive & action oriented & business acumen. Being
• entrepreneurial, open–minded

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Job Purpose Statement

To prepare facility maintenance memos for all facilities once perfection of securities has been completed. This also involves reviewing all approved extensions and restructures and making sure that all are effected in the system once the document check lists are updated.

Key Accountabilities (Duties and Responsibilities)

Financial 20% 

• New Business / Cross Selling of >2 funded Accounts per month with a minimum balance of Kes.1, 000.00 per account
• Nil Operational losses as a result of errors and omissions in perfection and FMM preparation process
• Nil Revenue leakage related to credit documentation process and facility fees/Anniversary fees
• Consistency in adherence to and effective Application of established policies, processes, procedures and tools in achieving optimal efficiency and cost containment. 

Internal business processes 70% 

• Calculation of settlement figures with regard to operating leases before the eventual preparation of the operating lease input form
• Calculation of exposures as per the limits which have been indicated in the Customer’s Approval, Omniflow or Credit Quest
• Issuance of instructions for the collection of arrangement fees to the disbursement unit on acceptance of the offer letter by the client and on receipt of instructions from the relationship manager(s).
• Issuance of instructions for extension requests.
• Issuance of instructions for full drawdowns with regard to personal banking applications in case of buy-outs.
• Interpretation of credit applications (CA) to ensure they have been approved at the relevant levels and that all the relevant procedures, covenants and conditions are met before issuing instructions for limit input/draw down & giving instructions for disbursement
• Processing of Operating Leases prior to drawdown by the disbursement team.
• Ensuring that a Security Compliance Approval is obtained from within the securities unit prior to facilities draw down and limit input.
• To issue instructions to input/cancel limits and draw down of loan facilities after approval.
• Ensure all terms, conditions and covenants are complied with before issuing instructions for marking of facilities with authority from the manager within the agreed TAT
• Preparation of disbursement certificates for SME and business banking applications.
• Preparation of disbursement certificates for corporate customers.
• Preparation of disbursement certificates for personal banking applications.
• Ensuring that draw down and limit inputs are always done in accordance to the CreditAdministration Policy. 
• Attend to any official duties as may be allocated from time to time by Manager

Credit Documentation & Securities Customer 5% 

• Ensure that there is a robust departmental internal customer satisfaction rating by ensuring the team lives the NCBA Values

Learning and growth 10% 

• Learning & Development Ensure that you achieve at least 40 hours of learning/training through E-learning, Internal & External training activities 

Ideal Job Specifications

• Academic: A Bachelor’s degree in Business Management or Economics
• Professional: Qualifications in credit management/ CPA / AKIB an advantage
• Desired work experience: At least 1 year experience in banking, lending, credit administration, or any other area that involves critical use of analytical skills within the bank.