Deadline of this Job: 19 December 2022
JOB DETAILS:Duties & Responsibilities
• Implementing the Bank’s deposit mobilization strategy at branch level including growth in customer base and in assets.
• Formulating and implementing liabilities plans, forecasts and budgets and ensuring controls and periodic reviews.
• Supporting marketing initiatives at the branch level, monitoring and providing regular feedback on products performance.
• Grow and manage overall bank corporate and institution banking customer portfolio to maximize business
• Continually recommend improvements and adaptations to existing systems, processes, and structures in order to ensure current and future viability of the relationships.
• Pro-actively managing and developing effective client relationships while identifying and providing solutions to meet clients’ needs.
• Grow Rafiki bank wholesale/HNI portfolio profitability through utilization of available multichannel delivery strategies e.g. technology banking and agency banking.
• Prospect for new to HNI clients in conjunction and offer innovative and customized banking solutions.
• Maintenance of a healthy business environment by ensuring compliance with both internal and external regulatory requirements.
Key Performance measures
• Deposits growth
• Products update
• Customer satisfaction index
• Institutions/HNI customer’s on boarded.
• Number of MOU’s/partnerships closed
• No of accounts opened
• Compliance levels
Key Competencies, Skills, Qualifications and Experience
• Bachelor’s degree in Business related Field
• 5-6 Years working experience in banking preferably in relationship/transaction banking.
• Proficiency in Microsoft Office Suite.
• Leadership and assertive skills
• Customer service orientation
• Negotiation and persuasion skills
• Strong interpersonal skills.
• Organizing skills.
• Problem analysis and problem solving skills.
• Decision Making Skills.
• Honesty and integrity
Deadline of this Job: 21 December 2022
JOB DETAILS:Job Summary
To drive and deliver exceptional retail business performance, through the provision of efficient business management, powerful leadership, team development and achievement of operational rigor excellence in branches with up to 50 staff members or branches with single customer categories.
To drive implementation of business and service strategies to deliver Retail and Business Banking performance and growth targets in the branch.
Provide powerful leadership in the branch to ensure the delivery of the business plans by establishing a high-performance culture amongst the branch team.
Achieve operational rigor excellence and maintenance of a healthy business environment through strict adherence to operations and compliance policies and guidelines
Job Description
Main accountabilities and approximate time split
Driving Business Performance: Time split 40%
• Implement business strategies to deliver performance and growth as communicated by the Regional Manager.
• Drive branch performance against key performance standards as communicated and agreed with the Regional Manager in areas including:
• balance sheet growth,
• sales growth and income contribution,
• cost performance,
• credit management,
• employee satisfaction,
• customer experience,
• operational risk and control rigor management
• Provide clear direction to branch staff on the Retail and Business Banking business objectives, translating and prioritizing into business performance measures at the branch level.
• Establish relationships with key clients or business influencers in the local area, including client visits, and complete call reports for every customer visit and this should be filed for snap checks.
• Monitor daily branch sales performance ensuring sales and portfolio growth targets are achieved
• Understand the local business drivers and issues that have an impact on branch performance.
• Identify business improvement opportunities and make appropriate recommendations to the Regional Manager regarding service initiatives, improvement for existing products and processes, opening or closure of branches
People Management and Development: Time split 30%
• Develop and communicate an annual plan to optimize the resources (Financial, human and physical) as agreed with the Regional Manager.
• Prepare a resource and capacity plan for the branch to be incorporated into the annual plan for the Region.
• Build and develop a high-performing team, through embedding performance management and coaching. Discuss and finalize performance management plans and ratings for the branch team.
• Maximize the performance of the branch team members by identifying and developing their training needs and ensure coaching or delivery of training takes place.
• Drive employee development and engagement within the branch teams that results in a high-performance climate and culture
• Conduct effective performance management for direct reports
• Monitor and ensure that all Branch Key Performance Indicators are achieved
• Share knowledge experience and best practices with branch team members.
• Create an empowering environment for direct reports, encouraging individual ownership and initiative and ensuring they do the same for all their staff.
• Effective resource management/planning that reflects current and future business requirements, ensuring the correct balance of numbers, skills and experience, by playing an active role in the recruitment and exits of direct reports.
• Initiate HR processes for direct reports when required e.g. disciplinary process, leave management, learning and development, talent identification etc in consultation with HR
• Acts as an escalation point for grievance cases within the branch
• Pursue own development to increase personal effectiveness, acknowledging strengths and areas for development
Compliance Management: Time split 15%
• Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise-Wide Risk Management Framework and internal Absa Policies and Policy Standards. Understand and manage risks and risk events (incidents) relevant to the role.
• Ensure the branch operates in a compliant manner and adheres to the relevant company and regulatory requirements to achieve satisfactory grades in local & Group Audits
• Monitor branch operations and control performance to ensure that branch standards are met and where required review branch remediation action plans with the Regional Manager
• Report all incidents within the branch in line with the bank’s incident reporting procedures
• Sign off all budgeted branch expenses and seek Regional Manager approval as necessary.
• Sign off all dormant accounts and seek Regional Manager approval as necessary.
• Hold cost center for network-related non-branch expenses such as disturbance allowances, transportation costs etc. responsible for managing costs within budgets for these items.
Customer Service Management: Time split 15%
• Understand and articulate aggregated feedback at the branch level to shape the customer proposition and product offering.
• Ensure high quality, knowledgeable service levels in branches to exceed customer expectations.
• Build a motivated, committed and focused Branch team, consistently delivering creative, precise and customer-focused service
• Ensure branch service excellence through continuous monitoring of service scores and discuss and agree on resolution plans with Regional Manager.
• Ensure all customer contact points in the branch, including equipment (PC’s, printers, note counters, ATM’s, etc.) are of the highest service standard. ATM uptime has to be kept within 95% and any issues raised to the Channel Manager at head office.
Technical skills / Competencies
• Leadership, people management, coaching and team-building skills
• Strong communication and Presentation
• Excellent relationship-building skills – both with internal stakeholders and clients
• Good networking skills, both for internal and external network
• Strong problem-solving skills coupled with decision-making ability
• Business Acumen/Business Awareness
• Credit appraisal skills
• Credit Risk Management
• Driving Customer Experience
• Operational Risk Management
• Stakeholder Engagement
• External market awareness
• Commercial Effectiveness
• Strong negotiation and influencing skills
• Performance Management
• Resource Management and planning.
• Cultural and Change Management
• PC skills
• Knowledge, Expertise and Experience
Essential
• University degree in a relevant discipline or relevant experience to compensate, post-graduate qualifications will be an added advantage
• At least 5 years of Banking / Financial Services experience out of which at least 3 years in branch management with a good track record of performance
• Business understanding and management experience of Retail / Consumer and Business Segments
• Working knowledge of Branch Operations and Controls
• Demonstrable experience in Customer Service management including complaint management/resolution
• Hands-on experience in sales management including leading Direct Sales teams
• People management experience of big teams
• In-depth knowledge of banking products, strategies and structures in Retail,
• Detailed working knowledge of operational and credit risk policies and procedures for both Retail and Business Banking segments
• Good working knowledge of people policies and procedures
• Thorough understanding of the banking industry practices and regulations
• Well-informed on general economic, political and business environment.
• Up-to-date knowledge of competitor and market activity in local area
• In-depth understanding of core banking operating IT systems e.g. Flexible
Deadline of this Job: 10 January 2023
JOB DETAILS:PURPOSE:
The position is responsible for marketing to new and existing clients to grow quality business of both the asset and liability book in line with portfolio targets and attain target revenue for the portfolio. This role is also responsible for the retention and growing the wallet share from existing business/personal banking requirements and effective management of the relationship /customer experience.
PRIMARY RESPONSIBILITIES:
• Prospecting for new business opportunities and offering the full range of Banking products and services such as personal accounts, current accounts, loans, fixed deposit accounts, card products, Internet Banking, Home Loans, Commercial Advances by way of Working Capital, Term Loans, STL’s, Hire Purchase, Asset Financing, IPF’s, Letters of Credit and Letters of Guarantees;
• Focused growth in transactional banking solutions for the business banking portfolio
• Documenting Account opening and executing all KYC documents to facilitate account opening and all Bank’s products and services;
• Obtaining related financial documents to be able to put forward any new borrowing requests from the client;
• Preparing Call reports with recommendations and submitting for consideration by approvers;
• Mobilizing High Cost and Low Cost Deposits and growing the Bank’s Deposit Base in line with Branch targets;
• Providing feedback to the client on the outcome of their request and providing other solutions which could be beneficial to them in the long run;
• Processing and concluding transactions in a timely manner;
• Making regular client visits to review business requirements, assessing assets under securities held or offered and submitting call reports;
• Processing ad-hoc/additional/new requests/excesses under allotted portfolio and obtaining approvals where/when required;
• Cross selling the Bank’s and Group’s products.
• Conducting reviews and renewals for existing relationships for clients enjoying various Credit facilities by proposing and recommending Credit Appraisals;
• Making follow ups with Credit department on the offer letter and other Banks contractual documents for the client to execute for facilities approved and following up internally and externally for processing of securities and marking limits;
• Attending to the Credit Audit report and ensuring that ARPs are promptly attended to and resolved;
• Making regular customer meetings and visits to build and grow the relationship;
• Filling customer instructions/important loan related documents in the client’s respective dockets for safe custody as the information is private and confidential;
• Reviewing Loan excess and arrears reports on a weekly basis and providing comments for all accounts listed. This involves making daily follow ups with clients to ensure that their accounts are conducted within their sanction limits and any irregular excess are regularized within the shortest time possible;
• Approving excesses across Branches for relationship handled by the respective Relationship Managers especially in terms of excess drawing on their accounts; and
• Reviewing and commenting on enhanced and new facilities at the end of every month as per the Central Bank of Kenya requirement to the CR HO department.
PERSON SPECIFICATIONS
Academic Qualifications
• Master’s degree in Business Administration or its equivalent from a recognized institution will be an added advantage; and
• Bachelor’s degree in Business Administration/Marketing or its equivalent from a recognized institution.
Professional Qualifications
• Chartered Institute of Marketing diploma or its equivalent; and
• Member of Chartered Institute of Marketing (CIM) or equivalent professional body.
Experience
• At least 5 years relevant experience
• Generic Competencies
• Ability to write complex letters, comprehensive reports and to perform complex calculations.
Skills and Attributes
• Excellent communication and interpersonal skills;
• Good financial analysis skills;
• Excellent problem solving and decision making skills;
• Knowledgeable in credit, legal (conveyancing) and lending knowledge;
• Basic understanding of Banking Law; and
• Knowledgeable in the Banking Act, CBK prudential guidelines and credit policies.
Deadline of this Job: 21 December 2022
JOB DETAILS:Job Description
To process medical claims with a focus on cost control and management of member benefits through vetting and coding of inpatient and outpatient bills and capturing in the company medical business operating system(s)
• Verify, audit and Vet medical claims for payment for both outpatient and inpatient claims as per the claim’s manual/Standard operating procedure
• Adhere to customer service charter manual to ensure compliance to agreed turnaround times
• Prompt reporting of any identified risks during claims processing for mitigation.
• Monitor, prevent and control medical claims fraud/wastages during claims processing
• Use of data analytics to review cost and quality of service at medical service providers.
• Hold regular business meetings with service providers to ensure compliance on systems such smart card system and agreed tariffs.
• Evaluate preliminary claim information and revert to broker or insured for more information where necessary to ensure that the correct information is documented for ease in processing of member reimbursement claim
• Respond to client enquiries within 24hrs of enquiry
• Communicate and liaise with medical service providers on resolution of disputed claims
• Any other duties assigned by management.
Skills
• Medical Claims Vetting, clinical experience
Education
• Bachelor of Science in Nursing (BScN) or Diploma in Nursing (KRCHN)