Career Opportunities at Daraja Microfinance Bank

• Revenue generation through onboarding of individual accounts, micro businesses, institutions and ensure they are funded and operated well; and growing deposits through cross selling of other accounts and services to existing customers.
• Carrying our market activation initiatives targeting SME businesses, entrepreneurs and Institutions.
• Managing relations by undertaking regular calls and visits to customers to ensure effective relationship management and acting as the main contact
• Generation of business reports

• Bachelor’s Degree or diploma in commerce, finance, business or related field
• Minimum of 2 years’ experience
• Proper and organized documentation skills
• Attention to detail
• Thorough knowledge of bank’s products and services
• Excellent interpersonal and networking skills, internally and externally
• Strong sales and relationship building skills

• Certificate of good conduct
• Clean credit history

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• Evaluating Clients’ credit data and financial statements in order to determine the degree of risk involved in lending money to them and enhance quality of credit applications
• Preparing reports on the degree of risk in lending money to clients and keeping company credit exposures within set risk bearing limits
• Keeping knowledge of key issues up-to-date (for example legal, market risk and compliance issues)
• Evaluating the financial status of clients by producing financial ratios and their analysis and conferring with the credit associations and references to exchange credit information on clients.
• To analyze loan request summaries, records and using data to recommend payments plans for loan applications before submitting the loan applications for approval.

• Degree in Business or related field
• Minimum of 2 years’ experience in lending and credit analysis
• Knowledge of Central Bank of Kenya Regulatory Rules and Microfinance act
• Strong analytical skills
• Proper and organized documentation skills
• Attention to detail

• Certificate of good conduct
• Clean credit history

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• Revenue generation through growth of a high quality loan book
• Drive uptake of the lending products
• Ensure proper credit administration and loan recovery
• Developing and maintaining relationships with strategic partners, potential & existing clients with aim to increase and maintain the banks credit base.
• Reviewing and analysing the client’s credit risk status and giving a recommendation.

• Degree or diploma in commerce, finance, business or related field
• Minimum of 2 years’ experience in lending to small and medium enterprises
• Proper and organized documentation skills
• Attention to detail
• Thorough knowledge of bank’s products and services
• Excellent interpersonal and networking skills, internally and externally
• Strong sales and relationship building skills

• Certificate of good conduct
• Clean credit history

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• Develop and adopt the bank’s business strategy in line with the changing business environment
• Revenue generation through asset acquisition, liabilities and alternate channels
• Managing relationships through proper coordination of business development teams, undertaking regular calls and visits to customers to ensure effective relationship management
• Organizing and coordinating marketing activations and branding initiatives that are efficient and effective
• Formulating the annual business development budget in compliance with the policy and ethical, corporate governance framework and present it to the board for approval

• Bachelor’s Degree in Business or related field, a master’s degree will be an added advantage

• Minimum of 5 years’ experience in business function in a CBK registered institution
• Knowledge of Central Bank of Kenya Regulatory Rules
• Strong analytical skills
• Proper and organized documentation skills
• Attention to detail

• Certificate of good conduct
• CBK clearance
• Clean credit history

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• Formulating and implementing alternate business channels strategies for all customer segments to achieve effective channel use, sales and customer satisfaction targets.
• Proactively identifying opportunities for business growth and revenues through acquiring of agents and merchants.
• Respond to queries from the Merchants, Internal customers and the CBK within the agreed SLAs.
• Managing relationships through Engaging and managing merchants, agency, vendors and third party potential partner relationships through the product life cycle.
• Driving and managing cross selling of all retail products and services through the alternative channels.

• Degree in business or related field
• Minimum of 2 years’ experience in acquiring business
• Knowledge of Central Bank of Kenya Regulatory Rules
• Attention to detail
• Thorough knowledge of bank’s products and services
• Strong sales and relationship building skills

• Certificate of good conduct
• Clean credit history

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• Revenue generation through growth of bancassurance business across and outside the bank channels. 
• Identify and leverage potential business opportunities seeking necessary support from the Head of Business and participating in all business growth initiatives
• Ensure all collaterals and assets that have the Bank interest are properly and comprehensively insured and the Bank’s interest properly noted.
• Managing client relationships and partnerships whilst ensuring retention of existing business relationships by ensuring high standards of customer service
• Ensure compliance with all regulatory and internal procedures in regard to bancassurance business.
• Product development and enhancement of existing ones based on market research and provided customer feedback
• Ensure that the Bank, customers and staff insurable assets insured under the branch are renewed on time and that the premium is paid up.

• Bachelor’s degree in Insurance or related field
• Minimum of 2 years’ experience
• COP and ACII or AIIK certification
• Strong negotiating skills
• Good Communication skills and excellent Customer service skills
• Accuracy and attention to detail
• Ability to work independently and deliver effective solutions within strict deadlines
• Ability to develop working relationships with a wide range of people
• High integrity levels and ability to treat all client information with utmost confidentiality

• Certificate of good conduct
• Clean credit reference