Job Opportunities at Uwezo Microfinace Bank - 6 positions

DSR/10/17/UMBHRD

We seek to recruit individuals who will be responsible for business growth in the institution, through marketing and recruiting a strong customer base.

Going out to the market alongside the Business Development Officers to bring in new business to the bank. The job holder will be paid a retainer plus Commission.

Duties for the Direct Sales Reps Job

• To market the bank products and services
• Bringing new customers
• Meeting sales targets
• Giving customer feedback
• Participate in Sales drives
• Promoting bank brands in respective areas through customer interaction.

Direct Sales Reps Job Qualifications

• A minimum grade of C (plain) in KCSE
• An undergraduate Bachelor’s degree or Diploma in Business related courses from a recognized institution.
• Experience in Sales and Marketing, will be an added advantage
• Proficiency in computers
• Ability to work independently
• Good interpersonal & communication skills with excellent customer service.

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RCO/10/17/ UMBHRD

Safeguarding the organization, its customers, reputation, assets and the interests of stakeholders by identifying and managing all threats to the achievement of its business objectives

Ensuring the Bank is in full compliance with all banking laws, rules, regulations, and internal policies, procedures and processes

Promoting risk and regulatory compliance by identifying, quantifying, reviewing, evaluating, and measuring risk to ensure that all risk categories are identified and managed in accordance with regulatory compliance and audit requirements, approved risk tolerance, risk appetite and strategic plans approved by the Board of Directors

Duties for the Risk & Compliance Officer Job

• Manage the implementation of all aspects of the risk function, including implementation of processes, tools and systems to identify, assess, measure, manage and report risks.
• Identify, assess and monitor risk on an ongoing firm-wide and individual entity basis and support in the implementation of internal controls which are effective in design and operation.
• Undertake quality control reviews for the business units to ensure consistent implementation of policies and processes across all business units and identify any gaps, challenges and improvement measures.
• Provide consolidated reporting, inclusive of an overall risk profile, ensuring that major risks are identified and reported to the Board Risk Management Committee on risk hotspots, measures and recommendations.
• Communicate Board and regulatory responses or directives to the business units.
• Monitor adherence to compliance, AML and KYC standards
• Assist in the development of and manage processes to identify and evaluate business areas’ risks and risk and control self-assessments. These include snap checks and other management monitoring checks/toolkits.
• Manage the process of developing risk policies and procedures, risk limits and approval authorities. Monthly & quarterly risk & compliance reports
• Monitoring the implementation of the Strategic plan
• Ensure that new policies and procedures & amendments of existing ones are verified and analyzed for risk mitigation.
• Ensure that all business functions policies are updated yearly.
• Ensure compliance of risk registers & establish the risk registers- Custodian of the Risk management policy
• Generate all KPIs/ periodic reporting/data in an appropriate form and timely manner to ensure that all direct and indirect areas of Risk are operating efficiently and conforming to agreed policies, processes, mandates and interpretations
• Implement and manage the risk and control assessment reporting process as well as manage and maintain management reports, follow up of issues identified for conclusive resolution
• Conducting feasibility studies for new business distribution channels.
• Do any other duties and responsibilities as may be assigned by the management.

Risk & Compliance Officer Job Qualifications

• Holds a Bachelor’s degree/Diploma in a business or finance related field.
• Professional banking qualifications is a plus.
• Financial/Risk related training is a plus.
• Experience in Micro-Finance Institution (MFI) at risk officer level an added advantage.
• Be able to understand and implement processes and procedures.
• Understand the Banking Act and Central Bank of Kenya (CBK) procedures
• Understanding Bank operations procedures relating to Cash, Cheques, Card handling Attention to detail
• Ability to prioritize
• Ability to identify unusual activities Speed and accuracy
• Ability to handle and work under pressure
• Familiarity with relevant Bankers realm modules
• Strong interpersonal and problem solving skills
• Strong internal customer service orientation
• Excellent communication and presentation skills, with outstanding reporting skills

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DRS/10/17/ UMBHRD

We seek to recruit individuals who will be responsible for business growth in the institution, through marketing and recruiting a strong customer base.

Duties for the Debt Recovery Supervisor Job

• Identify problem accounts and provide regular updates of receivables to management.
• Analyze delinquent accounts and prepare report on highest risk accounts including recommendations for resolution.
• Maintain bad debt recovery records.
• Negotiate payment programs with delinquent customers.
• Monitor violations of credit policies, provide analysis, conclusion and recommendations, present findings to senior management and suggest actions/penalties to be taken when appropriate.
• Develop processes and procedures for evaluating customer financials and setting and changing credit lines/limits, as well as credit holds; implement liens as necessary to major delinquent account as approved.
• Generates legal documents used in the credit function. Implementing and enforcing the board approved AML, KYC & CFT policy in as far as is applicable within debt recovery.
• Assist in developing sound, acceptable credit policies.
• Reconcile transactions and balances to maintain accurate accounts. Identify accounts requiring collection agency or legal action and coordinate collections with third party contractors.
• Check for credit viability on requests for extended terms, and evaluate various adjustments or exception documents.
• Monitor receivables and collections and provide updates of receivables and provide appropriate reporting procedures.
• Monitor, on a continuous basis, all transactions to ensure that unusual and suspicious transactions are reported to the Money Laundering Reporting Officer (MLRO).
• Do any other duties and responsibilities as may be assigned by the management.

Debt Recovery Supervisor Job Qualifications

• Business degree
• CPA 3 year experience in debt collection and recovery environment. Knowledge in banking an added advantage
• Excellent interpersonal skills High degree of confidentiality Analytical mind.
• Knowledgeable on the Financial services sector
• Assertive Fast in decision making
• Honest
• Highly organized
• Creative and Innovative
• Proactive
• Good team player
• Physically fit and versatile and able to work on a computer for long hours.

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IM/10/17/ UMBHRD

To assist in the day to day running of the IT Department and provide IT related support e.g end user support and Hardware support.

The IT Manager is responsible for all aspects of Information communications and technology planning, management and implementation.

Duties

• Works closely with the Management Committee to ensure that ICT is aligned to the organization’s Strategic plan.
• Responsible for the design, evaluation and support of the ICT infrastructure and is responsible for overseeing the provision of ICT services to all staff.
• Responsible for ensuring that the information and communication technology (ICTs) is kept well maintained and updated to efficiently and effectively serve the needs of the Secretariat with respect to office processes and procedures.
• To contribute towards the development of the IT strategy for the organization.
• Work with the management Committee to define IT strategies to support the organization’s strategic plan and ensure implementation and monitoring of the IT Strategy to enhance the delivery of services.
• Develop appropriate policies, standards, procedures and guidelines for the IT function;
  Ensure compliance with IT regulations and advise senior management on the Kenyan ICT industry and the regulatory, infrastructure and commercial factors that need to be taken into account in developing the organization’s internal IT system and external connectivity.
• Ensure IT Security including user rights assignment and access control.
• Monitoring of antivirus, host‐based intrusion prevention and other endpoint security implementations.
• Risk management. Manage IT contingency and data recovery programmes.
• Project Management and Continuous improvement. Manage IT projects including working with process owners in preparation of business cases overseeing implementation until full benefits are realized.
• Liaise with process owners to promote use of IT in effective and efficient design and operation of all major processes including improvements to work processes.
• To determine the requirements and financial implications of providing equipment, software and training to institutions supported by the Consortium to facilitate their connectivity with the organization.
• Continuous monitoring of IT enables investment programmes and ensuring expected benefits are realized from the provision and maintenance of appropriate IT capabilities;
• Identify emerging user needs and plan for new systems or changes to existing systems to meet user needs.
• Evaluate new technologies for their potential application to business processes;
• Manage computer hardware and software
• Vendors and ensure that the organization receives value for money for equipment and services.
• Identify user training needs and recommend relevant training.
• Do any other duties and responsibilities as may be assigned by the management.

Job Qualifications

• A university degree from a recognized institution in Information Technology, Computer Science or Finance
• A professional qualification (CNP, CCNA, MCSE or CISA) is an added advantage 2 to 3 years’ experience in a similar position (preferably in the Financial Services Industry)
• Good interpersonal skills with a proven ability to communicate effectively (both written and verbal) with all levels within the organization
• Unquestioned personal integrity with strong ethics and values consistent with UMFB’s culture and core values
• Ability to stand firm on difficult issues when required
• Strong analytical capability
• Capable of working independently and with minimum supervision
• Logical approach to identifying and evaluating issues and problem solving
• Well-developed organizational skills with the ability to prioritize multiple assignments
• Displays awareness of the need for confidentially in sensitive matters
• Demonstrated job commitment and personal flexibility to meet changing expectations
• Commitment to self-development and expansion of knowledge

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AA/10/17/ UMBHRD

Role will assess compliance with the statutory requirements, laid down processes, procedures and controls.

Duties for the Audit Assistant Job

• Reviewing monthly reports highlighting the weaknesses, risks, recommended ways of enhancing compliance and improvement on controls shall be produced after the audit.
• Recommend good practices carried out by the other institutions that can be emulated by future branches.
• To enhance compliance and implementation of the recommendations, each audit area shall be ranked against a five point score.
• Develop a risk based test plan by selecting appropriate audit approach, test procedures and sampling criteria based on professional judgment and departmentally defined internal audit methodology.
• Perform audit tests and prepare working papers in accordance with International standards of Auditing methodology.
• Evaluate the adequacy of process design and the effectiveness of controls in meeting business and control objectives.
• Identify and document control and process weaknesses and provide evidential support for findings.
• Propose practical and value added recommendations to address control weaknesses and/or process inefficiencies.
• Follow up on the shortcomings highlighted on the previous audit reports
• Formulate an Internal Audit Policy Custodian of the Internal Audit Policy Participate in closing meetings with management at the end of fieldwork, providing clear explanations for identified issues.
• Filing and compiling of the Board Audit Committee minutes
• Assist in the preparation of a concise and informative audit report to effectively communicate the findings and recommendations to the branch/department, senior management, and BAC Assist the Manager, Internal Audit in the development of the annual Internal Audit plan
• Contributes to the safeguarding of corporate assets and the interests of Members by ensuring that appropriate internal controls are in place and operating effectively
• Develops and maintains effective and professional working relationships with all levels of staff within the organization, including Senior Management and Audit Committee of the Board
• Do any other duties and responsibilities as may be assigned by the management.

Audit Assistant Job Qualifications

• A university degree from a recognized institution in Accounting or Finance
• A professional qualification in Accounting or Internal Auditing (CPA, CIA or CISA) is an added advantage
• 2 to 3 years’ experience in a similar position (preferably in the Financial Services Industry)
• Solid understanding of risk and control concepts.
• Ability to apply these concepts to evaluate the adequacy and effectiveness of business processes and controls to mitigate risk to tolerance levels defined by management
• Good interpersonal skills with a proven ability to communicate effectively (both written and verbal) with all levels within the organization
• Unquestioned personal integrity with strong ethics and values consistent with UMFB’s culture and core values
• Ability to stand firm on difficult issues when required
• Strong analytical capability
• Capable of working independently and with minimum supervision
• Well-developed technical skills in Word, Excel, accounting software’s and databases

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BDO/10/17/UMBHRD

Responsible for marketing recruit and intake clients, process and disbursement of loans and ensure timely collection of the same for healthy portfolio.

We seek to recruit individuals who will be responsible for business growth in the institution, through marketing and recruiting a strong customer base.

Duties for the Business Development Officer Job

• Responsible for Marketing of products in area of operation.
• Stimulate client training on UWEZO policies, procedures and basic business skills, loans, business, etc.
• Responsible for evaluating clients’ businesses and determine whether they are worth the amount applied for.
• Responsible for loan requests, and disbursements.
• Ensure that all clients repay their loans on time.
• Ensure the collection of application fees, disbursements fees etc. where applicable on a daily basis.
• Responsible for recording, verifying and assessing the chattels offered for loans with assistance of the Branch Manager.
• Ensure follow-up of defaulters and collection of arrears.
• Responsible for record keeping for all clients e.g. savings, loan status etc.
• Responsible for maintenance of quality portfolio as required by the Bank.
• Maintain good public relation between UWEZO and outsider’s e.g. Public administration, churches, business community etc.
• Responsible for daily, weekly, monthly and quarterly reports as required.
• Foster a positive image of the Company in all fora.
• Participate in branch meetings.
• Perform any other function as may be directed by management from time to time.

Business Development Officer Job Qualifications

• A minimum grade of C (plain) in KCSE An undergraduate Bachelor’s degree or Diploma in Business related courses from a recognized institution.
• Knowledge in Sales and Marketing, and credit lending
• At least 2 years’ experience in the financial sector will be an added advantage
• Proficiency in computers Ability to analyze and interpret financial statements
• Good interpersonal & communication skills with excellent customer service.
• A team player with the drive to improve performance.
• Persuasive with strong recognition skills, Self-driven and possess the ability to work with minimum supervision.
• Aged between 22 and 30 years
• Shown merit and ability as reflected in work performance and results (for serving officers)