Vacancies at NCBA Group

Job Purpose Statement

Under the authority of the Managers in Business Performance & Strategic Planning, the individual(s) will be responsible for the following aspects for All Markets of the Digital Business:

• Business Finance - Business Cases / Financial Modelling, Performance & decision/business support (commercial and pricing decisions, negotiation and decision-making activities), owning the business partnering relationship and developing policies and procedures for business collaborating activities.
• Support business strategic thrust through planning, budgeting, forecasting and monitoring of business performance.
• Decision Support –Be involved in the development and implementation of strategies for leveraging the use of technology to support financial management activities and operations. The role ensures that IT systems embrace established best practices for financial reporting including data-flow to Business
• Intelligence infrastructure required for data analysis. This role ensures the information systems and solutions within the finance and strategic planning eco-system meets the changing business requirements of the digital business. The role is custodian of the general ledger, chart of accounts and is the central repository all financial and management information of the Digital Business
• Financial Operations & Centre of excellence (CoE)- Provision of continuous finance services —payment, general accounting, revenues), drive the development of policies and procedures for accounting processes, managing relationship with service providers, driving of efficiency and process improvement
• Financial Reporting and Revenue Control- Data Management/ Data Governance, Management/Statutory Reporting, Manage and monitor the strategic operations/projects, compliance with corporate and statutory financial policies, Support internal and external audits, P&L and balance sheet reviews, Insight to standard management reports,

He/she provides key financial information performance indicators as well as forward-looking business analysis to support the business in line with the long-term’s strategy and growth. The position also promotes financial excellence in serving the Digital Business by proactively engaging with Business Heads and providing guidance/advice on relevant matters.

Ideal Job Specifications

• Academic: Bachelor of Commerce or Economics or business related or IT related Degree
• Professional: CPA/ACCA/CFA
• Desired work experience: 2 to 3 years’ experience in financial reporting, forecasting, financial analysis, costing and/or management
• accounting, budget preparation and reporting 

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Job Purpose Statement

The Credit Advisory Senior Manager shall primarily be responsible for:

• Ensure smooth and timely adoption of problem accounts to CRAG. Delivery of Turn Around, Restructure & Managed Exit strategies to a portfolio of corporate watch accounts experiencing financial distress.
• Ensure timely and solution driven reviews of problem accounts referred to CRAG
• Determining objectives, strategies and actions that need to be adopted to address business risk issues. Reduce Bank’s risk and achieve turn around, restructure and managed exit solutions so that the bank realises maximum return in the shortest time possible.
• Acting as a point of contact for the Head of CRAG to discuss specific problems and acting as a ‘sounding board’ recommending appropriate solutions and strategies to achieve the bank’s objectives.
• Provide secondary support to the relationship team on problem accounts managed under the Normal category

Key Accountabilities (Duties and Responsibilities)

Financial 40% 

• Lead negotiations with customers, sometimes in conjunction with Relationship Managers to identify credit risk issues, propose turnaround/restructure solutions and follow up implementation.
• Ensure achievement of turnaround/restructure portfolio targets for Watch accounts plus collections and provisions target as per performance plan.
• Engage customer & relationship team and support the Turn Around strategy for Watch Accounts in terms of Credit Risk Advisory Reviews, Secondary Support, Turn
• Around/Restructure proposals, etc.
• Contribute to the preparation of all MIS reports, collections budgets, provisions reviews, and other relevant exercises to aid the management of the portfolio.
• Ensure management information is accurate and submitted in a timely manner.
• Support customers in financial challenges with close and robust engagement on turnaround cases. Restructure facilities appropriately in order to safeguard the Bank’s interests.
• Prevent revenue leakages through monitoring and controls and observation of covenants. 

Internal business processes 20% 

• Manage a team of CRAG Managers &/or Service Assistants Managers and ensure that the highest credit management standards are maintained to minimize Bank risk and comply with Bank and government policies and regulations
• Manage exposure strategies via preparation of credit requests/memos, interim/annual reviews, and credit risk advisory reviews & update papers
• Ensure that the necessary credit and other approvals are obtained at the right levels for strategies, expenditure and provisions.
• Prepare &/or present updates on team Watch/CRAG portfolio on behalf of the department to the relevant committees, i.e. Pre Watch, Corporate Credit Sub-committee, Management Credit Committee & Board Credit Committee, etc.
• Ensure proper implementation and follow up on the operational aspects of the account management with timely and proper internal administration and record keeping. 
• Monitor the collections on the assigned portfolio.
• Responsibility of negotiating and recommending workout/restructure proposals of all watch accounts.
• Ensure compliance with regulatory requirements and internal procedures.
• Ensure compliance of credit approval conditions on account performance & monitoring/control more so in relation to covenants, sanction conditions, insurances, valuations, follow up of audited/management accounts, etc.
• Ensure satisfactory internal and external audits.

Customer 30% 

• Lead detailed negotiations with Watch customers, sometimes in conjunction with internal and external stakeholders regarding implementation of Turn Around & Managed Exit strategies
• Lead proactive formulation and implementation of Turn Around, Restructure & Managed Exit strategies on assigned portfolio.
• Make customer visits and attend meetings held at/off Bank premises as appropriate.
• Participate in strategy setting with internal and external customers to ensure that the appropriate turnaround/managed exit plan is adopted.
• Develop network of contacts internally and also with external professionals in order to maximize effectiveness in assisting customers. 

Learning and growth 10% 

• Participate in Objective setting & drive own performance in line with target set under Enterprise Performance Management.
• Identify skills gaps and seek appropriate training and development.

Academic:

• Bachelor’s degree in a business management discipline in either of Finance, Business, and Economics, Mathematics / Statistics or related field from a reputable institution.
• Master’s Degree in Finance, Economics, Commerce, Accounting or any other equivalent and relevant qualification from a recognized university.

Professional:

• Credit Skills Course in lending
• Comprehensive banking background and extensive experience in credit appraisal an loan portfolio management.
• Experience in engaging C-level management and senior executives in facilitating decisionmaking and reporting
• Extensive understanding of business and financial fundamentals, with mathematical aptitude & advanced accounting skills.
• Ability to coach, mentor, train and transfer skills to others.
• Willingness to travel.

Desired work experience:

• At least ten years’ experience with at least five years at senior management level in an active corporate environment or credit risk management.
• Ability to coach, mentor, train and transfer skills to others

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Job Purpose Statement

The position is responsible is for oversight of the bank’s Fraud Risk Management Programs across the business that includes prevention, deterrence and detection of internal and external fraud risks. This includes, Fraud risk control design, business processes and products fraud risk assessment reviews, fraud management system, MIs and exception reports reviews, provide assurance that fraud risk is within the approved risk appetite and providing business on emerging industry fraud risk threats/mitigation and trends, conducting fraud risk awareness campaigns and training. Key areas of focus is to assist businesses with implementing initiatives & processes to minimize fraud losses.

Key Accountabilities (Duties and Responsibilities)

Output Financial (15%) 

• Proactive Fraud Risk Management Program and information management reporting based on robust capacity plans and delivered through a rigorous cost management discipline
• Targeted review on high-risk portfolios to mitigate any likely control environment deficiencies.
• Establish systems (polices, processes, procedures and tools) in achieving compliance requirements, minimization of fraud loss exposure and general cost containment.
• Oversee the development of management information to enhance visibility of fraud events and losses, ensuring qualitative and quantitative reporting.
• Research on fraud patterns by tracking confirmed fraudulent transactions to develop rules to prevent and detect fraud.
• Monitor systems activities to generate daily, weekly and/or monthly reports identifying trends and or potential fraud activities.
• Ensure management is appropriately informed of all fraud risk related activities and any significant concerns and provide appropriate mitigation plans.

Internal Business processes 55%

• Effective management of projects, programs or initiatives to achieve optimum fraud risk management regime on fraud prevention, deterrence, detection and or root cause analysis.
• Ensure daily core banking systems monitoring through the FRM solution, exception reviews and analysis e.g. Netguardian, BI etc exception reports to be summarized into weekly Risk MI report to be shared with management.
• Drive monthly fraud reporting against Key Performance Indicators and perform analysis to support fraud prevention initiatives.
• Attend to scheduled engagement meeting with the business or stakeholders on matters relating to fraud risk.
• Industry and bank fraud trend reviews and circulation to the business on monthly basis.
• Develop the methodology, standards, tools and templates for FRM's Fraud Risk Testing Programs.
• Track emerging FRM legislation and regulation and in partnership with the business, develop and implement new policies, procedures and controls in order to address new legislative or regulatory requirements
• Participate in development and monitoring of product life cycle to maximize the efficiency, effectiveness and overall quality of products.
• Perform post fraud root cause control reviews to identify control environment fraud and or misconduct gaps and work with respective business unit to mitigate and or close the control gaps.
• Effective utilization of fraud detection systems, tools and reports to prevent, detect and manage fraud losses.
• Design and implement an effective fraud awareness programs for bank staff across the business
• Undertake evaluation of effectiveness for existing fraud risk management strategies, systems and processes and initiate relevant improvements
• Lead ad hoc project work to implement new systems, work processes, technologies and drive adoption of new initiatives.
• Carry out reviews and or as may be assigned on all potential fraudulent activities with focus on root causes reviews and follow up on issues closure.

Service Management 15% 

• Adherence to service level agreements in place.
• Keep abreast with intelligence information gathering and ensure that the Bank’s interests are always safeguarded at all times.
• Effectively communicate emerging and/or changing risk and related control opportunities and enhancements to senior management.
• Build and maintain credible relationships with internal and external stakeholders to ensure timeous implementation of fraud risk control recommendations

Learning and Growth 10% 

• Provide overall leadership to direct reports to be high performing and engaged workforce, through performance management, motivating, coaching and training them accordingly.
• Competence development by identifying and communicating training needs that aim to improve personal performance objectives
• Undertake other responsibilities as may be assigned by management from time to time.
• Foster Team spirit and positive work environment

Ideal Job Specifications

Academic:

• Undergraduate degree – minimum upper 2nd class honours and added advantage for a person with the following disciplines: Computer Science/Information Technology, Finance/Accounting, Economics, Actuarial Science or Criminal Justice.

Professional:

• Proficiency in information technology T24 is a must
• Professional qualifications in Fraud Risk Management, Systems Audit, Data Analytics will be an added advantage
• Proficiency in information technology and relevant Information Security Certification i.e. CISSP, CISA / CISM, ISO/IEC 27001 will be an added advantage
• Familiarity with wide array of fraud tools, applications and solutions
• Good understanding of CAAT’s (Computer assisted auditing tools) will be an added advantage

Desired Work Experience

• Minimum 5 years of analytics experience in financial industry or Financial Crime Risk Management or risk operations.
• Familiarity with wide array of banking Fraud Analysis tools, applications and solutions.