1. Vacancy: Manager, Lending RiskJob Ref: RISK 05/2014
The Position:
Reporting to Head, Lending Risk the job holder will be required to maintain a high quality lending portfolio of the bank through effective identification, analysing and reporting of potential credit risks and ensure that the requirements of Basel II /III and the principles of enterprise risk management are embedded in the day to day business operation
Responsibilities
Prepare and analyze the Basel II /III reports (COREP).
Assist develop, implement, monitor and review Risk Appetite statements and limits for the bank.
Develop and implement stress testing framework by defining stress scenarios and sensitivity analysis and indicating recommendations to mitigate risks that might arise from adverse scenarios.
Review risk adjusted pricing guidelines and methodologies for credit products.
Develop and review sector concentration policy.
Monitor limits and analyse the performance of the Bank and prepare reports to senior management.
Ensure that reporting requirements are aligned with Basel II /III framework and best practice benchmarks with regard to credit risk and monitor the total credit risk exposure to be within the capital requirement as proposed by Basle II/III.
Undertake analysis of documented actual default statistics (Probability of Default, Loss Given Default and Exposure at Default) experienced with a view to confirming the risk ranking capabilities and calibration of the credit risk rating framework.
Monitor and review the performance of credit scoring models post implementation through analysing trends in non-performing assets in the products and portfolios where the models are implemented.Qualification and Experience
A University degree from an institution recognized by Commission for University
Education in a relevant field, e.g. Statistics, Maths, Economics, Finance, Computer Science etc.
CPA/ACIB professional qualification will be an added advantage
At least 3 years’ experience in corporate lending
Experience in financial analysis
Knowledge of the latest development in credit risk management tools and software applications and banking products.
Good understanding of Market Economic conditions and trends
Knowledge of SQL
Proficiency in MS Office suite
Ability to guide employees and to plan assignments
Comprehensive business understanding
Ability to work conscientiously and independently with minimal supervision
Excellent communication and presentation skills
Possess the ability to work effectively under pressure and tight deadlines
Be pleasant, honest and self-driven
Have the ability to make prompt decisions and be independent in problem solving in assigned duties
Have good interpersonal skills2. Vacancy: Manager, E-Channels - Card Switch and Interfaces
Job Ref: IT 16/2014
Reporting to the Senior Manager e-Channels the job holder will be responsible for managing technical support of card systems, ATMs, Agency Banking and interfaces to other banking channels.
Responsibilities
Manage technical support for the bank’s Card Switch and the devices connected to the Card switch – namely ATM Machines, POS Terminals and Agency Banking Devices.
Oversee the configuration and tuning of Interfaces between KCB’s Card Switch and Partner Networks – such as Kenswitch, PesaPoint, Rwanda Switch, Postal Corporation of Kenya.
Provide technical support in projects involving Card Systems, POS Terminals and Agency Banking solutions.
Provide technical support to specialized card switch modules – namely the Card
Factory and Fraud Analyzer System.
Develop real time online reports and monitoring tools to be able to track Card
Switch system, ATM and POS Terminals uptime and performance.
Have expert knowledge of Card Switch, ATMs and POS Terminals and other payment banking technologies.
Recommend and implement upgrades or changes to the Card Switch, ATMs and POS
Terminals for performance, security or business benefits.
Ensure Compliances provided by International Payment Providers (VISA and MasterCard) and the regulator (CBK) relating to the Card Switch, ATMs and POS Terminals are implemented on time.
Delivering business solutions by ensuring that they are well tested and are rolled out in a manner that does not adversely affect business processes.
Continuously analyze user requirements to develop and provide solutions.
Keep track of user issues and oversee their prompt resolution.
Maintain and manage system configurations.
Maintain up to date system and user documentation.
Ensure compliance of SLAs with system vendors.
Develop, Test and implement Business Continuity plans for Card Switch System, ATMs and POS Terminals.
Plan the implementation of any products or services on the internet banking / acquiring and mobile solutions platforms
Avail tools to generate daily reports on prior day performance to send out to different business units
Monitor the performance of the Card Switch, ATMs and POS Terminals to ensure smooth running of these systems.
Execute project plans (follow best practices in project management).The Person
A University degree from an institution recognized by Commission for University
Education in a relevant field in Information Technology or Computer Science.
Must be Certified in Oracle Database management, Linux and Windows Network Management
Masters degree will be an added advantage.
At least three (3) years working experience with Card Switch systems, ATMs, POS
Terminals and Card System Interfaces.
Experience in card business operations and handling of card related risks - frauds & forgeries - will be an added advantage.
Demonstrate high integrity.
Good data analytical skills, both financial and non-financial.
Training in Risk management.
Good communication, planning and organization skill.3. Vacancy: Information Risk Manager, Projects & Disaster Recovery
Job Ref: RISK 07/2014
Reporting to the Head, Information Risk, the job holder will be responsible for monitoring, evaluation and reporting of IT related risks as related to projects, information security, business continuity and disaster recovery, risk management policies and standards of KCB Group
Responsibilities
Develop, implement, and monitor a strategic, comprehensive enterprise information risk program to ensure the completeness, comprehensiveness and integrity of information owned, controlled, or processed by KCB.
Carry out reviews along the various phases of a project’s lifecycle as detailed in the bank’s Project Management framework to ensure that all delivered systems comply;
Provide guidance in resolving IS audit findings and lead the development of reports and corrective action plans;
Provide guidance for the Resumption and Recovery of time sensitive business operations in accordance with pre-established timeframes as well as ensuring that adequate plans are in place for the less time sensitive business operations;
Develop and implement Risk Management Policies, procedure, standards and guidelines based on best practice and oversee training and dissemination of security policies and practices.
Review and recommend appropriate security enhancement of our network by evaluating network design and ensure implementation of effective firewall security policies;
Manage incidents and complaints about ICT Services, in liaison with IT ensure effective change management process is in place;
Carry out reviews to ensure comprehensive Business Continuity Management (BCM)
Testing & Business Impact Analysis (BIA)/Plans
Ensure that the implementation Out of Country Disaster Recovery site meets the bank’s standards
Review and evaluate system backup and disaster recovery standards for the bank, follow up on the implementation and provide support to ICT Department to ensure quick recovery in the event of disaster;
Review the Business Continuity Programme for effectiveness and completeness and recommend appropriate action;
Review System Security Configurations for effectiveness and recommend appropriate settings;The Person
A University degree from an institution recognized by Commission for University
Education in a relevant field in Information Technology or Computer Science.
Must be Certified in one or more of the following; CISSP, CISA, CISM, CRISC
Masters degree will be an added advantage.
At least three (5) years working experience in Information Security and Operations Risk.
Experience in Change & Project Management.
Experience in Systems Audit & Forensics will be an added advantage.
Demonstrate high integrity.
Good data analytical skills, both financial and non-financial.
Training in Risk management.
Good communication, planning and organization skill.4. Vacancy: Manager, Risk Assessments
Job Ref: RISK 06/2014
Reporting to the Head, Information Risk, the job holder will be responsible for monitoring, evaluation and reporting of IT related risks including risk assessments, ensure that subsidiaries meet KCB Group standards and anticipate potential threats and vulnerabilities to enable the bank take advantage of emerging technologies.
Responsibilities
Conduct scheduled IT risk assessment to ensure all risks have been identified have been, brought to the attention of management and appropriate control measures implemented to mitigate risk;
Coordinate self-assessments, gap assessments, risk acceptance and other control related efforts with the business, controls and compliance functions;
Provide information risk consultation and guidance during system, application development and e-product development to assure that security concerns are fully addressed in the process;
Conduct operating systems, application security including web application and database security risk assessment and report findings to management;
Conduct logical and physical access control risk assessment to ensure systems security is not compromised;
Be involved in scheduled penetration testing to uncover any loopholes in the bank’s network;
Review and accredit newly developed systems before deployment in live environment;
Pro actively anticipate potential threats and vulnerabilities and provide guidance in coordination with IT department on effective responses or control measures;The Person
A University degree from an institution recognized by Commission for University Education in a relevant field in Information Technology or Computer Science.
Must be Certified in one or more of the following; CISSP, CISA, CISM, CRISC
Masters degree will be an added advantage.
At least three (4) years working experience in Information Security and Operations Risk.
Experience in Change & Project Management.
Experience in Systems Audit & Forensics will be an added advantage.
Demonstrate high integrity.
Good data analytical skills, both financial and non-financial.
Training in Risk management.
Good communication, planning and organization skill.5. Vacancy: Head of Corporate Banking, KCB South Sudan
Job Ref: KCBSS 10/2014
The Position:
Reporting to the Managing Director KCB South Sudan, the job holder will be responsible for the overall leadership and management of the line of business defined as Corporate Banking to achieve business growth, excellent customer service, inculcate a sales culture, and ensure operational compliance, staff performance and development.
Key Responsibilities
The major responsibilities of this position will be to:
Offer strategic leadership and direction of the Bank’s corporate business in line with the Bank’s overall strategic intentions and business plans.
Grow corporate client and revenue base through formulation and marketing of appropriate financial solutions to corporate, institutional and selected SME clients.
Lead and manage the teams operating in the Corporate Units while ensuring adequate and relevant training, leadership development and performance management of the unit’s staff
Pro actively lead acquisition and development of long term client relationships within the South Sudan market in order to achieve excellence in customer service and customer loyalty.
Continuously evaluate and cross-sell financial solutions to clients in order to maximize profitability, while ensuring that all the risk management principles are being adhered to at all times.
Be the primary point of contact for all the corporate customers and to build effective cross- functional relationships within the bank in order to deliver effective service.
Foster strong and robust relationships with all the key stakeholders of the Bank including but not limited to shareholders, customers, regulators and the community at large.
Ensure delivery of world class customer service to the bank’s corporate client base.
Ensure regular product innovation and delivery to the market in order to meet customers’ needs on a timely basis.
Maintain a good loan book and ensure profits are increased, accounts out of order are reduced and downgrading/provisions is reduced.The Person
For the above position, the successful applicant should have:
Business related degree from a recognized institution. Possession of a postgraduate degree or professional qualification in a related field will be an added advantage.
Minimum of 6 years’ experience in Relationship Management and at least 4 years’ experience in credit and a proven record of successfully managing and growing a portfolio of corporate banking clients.
Extensive and thorough knowledge of the financial services dynamics as well as specific knowledge of banking products and services.
Complete knowledge and clear understanding of the bank's credit processes and operating systems;
Sound knowledge of the business environment and operating dynamics of South Sudan and the entire East African region.
Strong leadership and interpersonal skills to manage strategy, change, diversity, financial performance, productivity, championing customer focus, and in managing people in a multi-cultural environment.
Strong communication and negotiation skills with the ability to network and develop strong internal and external business relationships.
Ability to be innovative in identifying and harnessing new and existing opportunities to maximize business results while being highly action oriented;
A high level of business acumen and ability to display orientation to market dynamics and profit orientation;
A proven track record in delivering results;
Possess good risk and financial analysis skills.6. Vacancy: Legal Documentation Manager – Retail
Job Ref: CS 11/2014
The Position:
Reporting to Head, Securities & Documentation Centre, the Legal Documentation Manager – Retail, will provide legal support on loan documentation for retail facilities, manage the documentation process and ensure compliance on collateral conditions prior to disbursement of these facilities.
Key Responsibilities
Provide a central point of reference, support and advice on retail legal documentation.
Manage issuance and processing of offer letters upon receipt of duly approved credit papers observing agreed timelines and high standards of accuracy and within applicable law, bank policies and regulations.
Manage conveyancing and loan documentation activities, end-to-end ensuring effective support to the retail branches at every stage of documentation
Managing vetting and/or review all security documents for completeness, clarity and ensure that all legal risks are adequately covered
Liaise with external lawyers and other service providers on security documentation process and ensure that security documents and other conditions have been perfected/ completed prior to drawdown of facilities
Manage Issuance of Compliance Certificates for purposes of disbursement of loan facilities
Ensure MIS maintenance with respect to TAT, exceptions, security movement and others as may be required for tracking of documents and performance and exceptions.
Coordinate and provide training to the retail business team on legal issues pertaining security instruments and protection of the same
Supervise and motivate all staff within the retail section of the department
Monitoring changes/ reviews in Law and Case law to ensure that the Bank’s security documents are up to date and comply with those changes/ reviews.The Person
For the above position, the successful applicants should have:
University degree in Law from a recognized University; Post Graduate Diploma in Law.
Legal practicing license is required
Masters of Law or Master’s Degree is added advantage
5 years’ experience in Legal Practice; 4 of which must have been experience acquired Post Admission to the Bar.
2 years’ experience in Credit and legal documentation
Team leadership skills.
Persuasive oral and written communication skills
Great Interpersonal skills
Strong Relationship Management skills
Commercial awareness
Good leadership and planning skills7. Head Micro Banking
Job Ref: RB 54/2014
Reporting to the Director Retail, the position is responsible for Micro banking innovation, Strategy Development and Implementation to exploit the tremendous potential for KCB.
In addition to service the micro finance market profitably & to support the integration of the unbanked population into formal banking by offering targeted innovative financial products & services.
Key Responsibilities
Conduct regular training needs assessment for the existing Branch staff and execute training to ensure that the staff’s capacity to handle the sector is rapidly developed.
Key target people include the Branch Managers, the Branch Credit Staff and head office retail credit unit.
Ensure constant monitoring of the micro loan portfolio & generation of reports to branch based micro finance staff for easier follow up of non-performing loans.
Enforcement of the Loan arrears, monitoring and recovery procedures as per the industry’s best practice
Monitor usage of managers lending discretions to ensure compliance with the micro lending policy and issue stop lend instructions to managers with high portfolio at risk.
Setting & reviewing micro product growth targets and constantly review performance to ensure targets are being met.
Regular interactions with the branches in terms of changing perceptions & mindsets by the Branch staff regarding the customers at the base of the economic pyramid.
Ensure all customer feedback in particular customer complaints received are resolved appropriately.
Review branch micro finance audit reports and coordinate appropriate corrective action to redress highlighted issues.
Designing of appropriate products to meet the unique requirements of the microfinance clients
Articulate & review regularly the market trends to enable adoption of industry’s dynamic new features.
Ensure the financial targets are achieved through efficient utilization of the resources placed at the unit’s disposalThe Person
For the above position, the successful applicant should have the following:
A university degree in a Business related field from an accredited university.
Possession of a postgraduate degree or professional qualification in a related field will be an added advantage.
At least 7 years’ experience in general banking with at least 4 years in a senior top Micro Banking management position or Small Medium Enterprises (SME).
Good appreciation and knowledge of the Micro Banking Industry, latest market trends as well as challenges
A good understanding of risk, credit policies and financial analysis.
The above positions are demanding for which the bank will provide a competitive package for the successful candidates.8. Relationship Manager Small Medium Enterprises (SME)
Job Ref: RB 64/2014
Reporting to the Head of SME Banking, the role holder will be responsible for developing new relationships with high net-worth Corporate & business customers, as well as maintain already existing relationships.
The holder will also be responsible for analyzing and coming up with innovative ways of driving performance of SME business.
Key Responsibilities
Be the main contact point for KCB SME Scheme lending
Manage relationships with the high net worth SME customers with a view of determining their business needs and providing service levels to their satisfaction.
Align processes that are suitable for the specific schemes to succeed in conjunction with the other credit units.
Identify likely sales points, undertake presentations to and negotiate with prospective Corporate Customers for adequate relationship in scheme lending.
Driving performance by working with Branch Managers and Business Banking Managers to design and implement innovative micro- marketing plans to their regions.
Analyzing SME business trends in relation to product sales and preparation of monthly reports
Research on new business opportunities and champion all business campaign products in the region in order to create customer product awareness and offer financial advisory services based on our products.
Keeping current on business trends and competitor offerings by gathering market intelligence on loans and accounts to maintain a competitive edge
Create a lead base of external target market through networking, customer referrals and attending social events, seminars, trade shows and Industry events.
Achieve agreed sales targets liabilities, through a proactive calling programmed to customers
Conduct regular face-to-face customer visits and arrange focused social events and Individual entertainment.The Person
Preferably a University Degree in a business related field from an accredited university.
Minimum 5 years’ banking experience with 3 years’ experience in client relationship management/Business Banking.
Strong leadership, negotiation and interpersonal skills.
Good appreciation and knowledge of the SME Banking Industry, latest market trends as well as challenges
A good understanding of risk, credit policies and financial analysis.
Experience in Project Management will be an added advantage.If you believe you can clearly demonstrate your abilities to meet the criteria given above, please submit your application with a detailed CV, stating your current position, remuneration level e-mail and telephone contacts quoting the job title/reference in the subject field to recruitment@kcb.co.ke
To be considered your application must be received by 14th November , 2014.
Only short listed candidates will be contacted.