Banking finance Jobs at Absa Bank Limited, Co-operative Bank of Kenya and NCBA Group

JOB DETAILS:
Job Summary
• Provide specialist advise and support for day-to-day work, in order to execute predefined objectives as per agreed standard operating procedures (SOPs). Selecting this role has a compensation & benefit impact in Kenya, Uganda, Botswana, Mozambique, TZ (BBT), TZ (NBC).

Job Description
• Generate leads: Please contact your People Function business partner

Education
• Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)


JOB DETAILS:
• Reference number HCRC/CMD/2022
• Reporting to the Head – Remedial Credit, the role-holder will Provide leadership in pre-delinquency and post-delinquency management of corporate arrears by putting in place pre-delinquency measures, portfolio segmentation, collection process and workflow process documented detailed solutions and systems for direct and oversight management of the collection process for lower NPL and provisions.

The Role
Specifically, the successful jobholder will be required to:
• Provide leadership in the management of Corporate Remedial Credit NPL book with the overall management of non-performing corporate & co-operatives debts to prevent further deterioration and maintain NPL to Loan ratios below the industry.
• To maximize loan recoveries and write back to P & L accounts from the non-Performing portfolio through aggressive direct recoveries/viable restructuring/negotiating workouts or realization of assets or litigation.
• Facilitating the application of various remedial solutions/product offerings to delinquent accounts based on customer profiling and/or customer segment.
• To provide leadership to a team of dedicated remedial management staff by setting challenging and granular objectives, monitoring individual daily activities, motivating, training/coaching and supporting to ensure the achievement of allocated targets.
• To take over management of Corporate non-performing accounts from all branches/business units and through centralization of the recovery process, enhance frontline productivity of branch managers, bankers and RMs.
• Recommending to the Board of Management /Finance, the appropriate levels of loan loss provisions.
• Work with frontline staff to ensure loans and other advances are being serviced and ensure they are trained on the assessment of delinquency risk and subsequent management including structured timely transition
• Managing a highly motivated, well-trained, highly productive and objective-driven group
• Strict adherence to all regulations, statutes, standards, practices and all internal processes and procedures as per the relevant manuals and compliance with all relevant external legislation and regulations with regard to Compliance requirements.
• Conduct field customer visits (on need basis) to follow up on payment promises and assess the viability of repayment proposals
• Ensure that all risk management requirements within your Unit are addressed and where necessary escalated through the available defined channels
• Execute the Bank strategy in NPL management and reduction
• Monitor and report all risks associated with debt collection

Qualifications, Skills & Attributes
The successful jobholder will be required to possess the following qualifications: –
• A university degree in a Business-related field from a recognized university with at least 5 years of banking experience in debt collection and recovery environment
• Knowledge/experience in account relationship management /Credit Management is an added advantage
• Knowledge of the provisions of the Bank’s credit policy, lending manuals and CBK Prudential Guidelines & Banking Act.
• Good analytical, negotiation and financial analysis skills as well as being an excellent communicator with the ability to set and meet stretch targets and deadlines. Excellent understanding of financial statements and credit products in the Banking sector.
• Excellent interpersonal skills with the ability to build long-term and trusted relationships.


JOB DETAILS:
Card Support Agent

JOB PURPOSE STATEMENT
To monitor and prevent fraud, authorize and provide excellent customer service for credit and debit card holders.

KEY RESPONSIBILITIES & PERCENTAGE (%) TIME SPENT
• Consistency of high quality of Card Authorization. (25%)
• Prevention of card fraud losses, and provide reports for fraud related cases (30%)
• Adequacy of personal and staff competence to effectively perform Card Authorization tasks. (2.5%)
• Deliver excellent customer service (10%)
• Channel and ATM monitoring (10%)
• Root cause analysis of recurrent issues and all other issue affecting card authorization (5%)
• CRM queues management and resolution of escalated cases 5%)
• E-banking support for Internet banking and Mobile banking (5%)
• After service hours support to support 24/7 service (5%)
• Consistency in adherence to and application of established policies processes and tools to achieve optimal efficiency, compliance and cost containment. (2.5%)

MAIN ACTIVITIES
• Accurate monitoring of online card activity to identify, minimize and prevent card fraud to
• safeguard interests of the bank as well as customers
• Manage customer enquiries, phone and emails to ensure timely resolution
• Authorization of manual transactions on both debit and credit card within set up procedures
• Maintain and enhance communications with Credit risk management, Relationship managers and customers to facilitate flow of instructions and information to foster cooperation
• Generate and review merged reports to sift fraudulent and unconfirmed transactions
• Test card systems and Log in with IT any card related issues
• Review Authorization reports to ensure all Change of card status and Group bonuses are approved
• Authorize Cash advances
• Management of exceptional approvals and temporary limit increases on payments,
• emergencies making referrals to Credit risk and Head of Channels
• Monitor and manage ATMs uptime by online opening closed systems and liaising with
• custodians for failed reset after working hours, holidays and weekends
• Monitor SMS alert

QUALIFICATION AND EXPERIENCE REQUIREMENTS
• University degree – Upper Second or GPA 3.0
• Three years banking experience
• Thorough knowledge of Core banking system; T24, Prime, Online & Fraud guard, and VAS
• Knowledge of Visa Rules and Obligations, Compliance regulations and chargeback reason codes.