Deadline of this Job: 02 January 2023
JOB DETAILS:Job Purpose
• The purpose of the role is to closely monitor and collect from allocated monitoring portfolio PAR (1-90 days) i.e. Normal & Watch category) within all sectors of the Bank and strategizing for returning the accounts to performing status or and reducing slippages/attrition to NPL.
Key Responsibilties
• Debt collection
• Customer Experience
• Risk & Compliance
Main Activities
Debt collection
• To proactively identify delinquent accounts (1-90days) and promptly rectify the default to ensure minimal attrition to Non-performing Category.
• Ensure cure rate (Arrears collections) of 95%(Minimum).
• Ensure roll rate (Attrition) of 5% maximum.
• Ensure that demand letters as per the payment diary are generated and dispatched within 2-days and the respective telephone follow ups made.
• Issue pre-listing notices when the facilities are 60 days in arrears.
• Track and document early detection of problem accounts and ensure that they are escalated and acted upon as per Collections Strategy.
• Strictly monitor payment arrangements to ensure compliance and escalate hardcore cases to the next level.
• Promptly attend to customers’ requests and queries either through call backs, faxing or mailing requested documents.
• Provisions not to exceed set budget through proactive management of overdue facilities.
• Implement Credit monitoring policies. i.e. exercise the enforcement process of recovering debts through constant calling, sending of SMS’s, demand letters & emails, issuance of notices and ensure that no losses are incurred in terms of Credit Monitoring in conjunction with Legal department
Customer Experience
• Giving customers information relating to the balances and general account status information to facilitate payments and Provide feedback concerning customer payment behavior to management.
• Prompt calling of customers using the payment diaries produced on a daily basis. Generally, manage and control all matters relating to delinquency.
• Minimizing customer complaints and ensure all customer complaints are closed within the reporting period.
• Giving customer feedback on time. This involves activities like sending client’s statements as per their request and responding to any queries that they may have.
• Encouraging customers to take up more loans and open up business accounts as a means of income generation to the bank.
Risk & Compliance
• Ensure full compliance with the Bank’s Credit Policy, Central Bank of Kenya guidelines and appropriate provisions of the Banking Act with respect to mobile lending.
• Responsible for managing PAR 0-30 days on salary advance / mobile lending and merchant lending and other digital lending products within the branch by ensuring eligible customers are honoring their repayments
• Comply with the banks Anti Money Laundering (AML ) & Combating the Financing of Terrorism (CFT) policy as defined by CBK prudential guideline
• Ensure that confidentiality and integrity of the Bank’s information is maintained at all times in line with cyber security and information security guidelines
• Ensuring adherence to the policies as defined in the IT security policy considering the disciplinary process that follows any violation
• Ensure responsibility for using personal data by following the data protection principles under the data protection act and make sure the information is used fairly, lawfully and transparently and used for specified, explicit purposes.
• Ensure compliance with all banks policies, procedures and all statutory requirements.
• Ensure proper systems/documentations are in place to effectively manage AML/CFT risks and strict compliance with the Banking laws, the prudential guidelines and regulations issued by CBK, and other legal guidelines that may be issued by the government or other industry stakeholders, from time to time.
Academic Background
• University Degree in Bachelor of commerce (Finance or Accounting) or other relevant Business Degree.
Work Experience
• 2 years’ experience in banking operations, with sound exposure to credit or lending and Credit monitoring.
• Professional Banking qualification (ACIB) or Credit Administration/Credit Monitoring will be an added advantage
• Proven track record of consistently exceeding set targets.
• Versatility, flexibility, passion and commitment to quality service delivery.
• Knowledge in legislation relating to perfection of securities and requirements by regulating bodies.
• Good understanding of SIDIAN Credit risk policy.
Skills & Competencies
• Experience in Ms Office packages especially Excel for analysis and reconciliation.
• Good understanding of CBK regulatory framework and pertinent regulations impacting borrowing customers.
• Highly effective communicator with excellent interpersonal and motivational skills.
• Solid performance management and motivational skills.
• Excellent relationship building and stakeholder management skills.
• Strong planning, analytical, decision-making, lateral thinking and project management skills
Deadline of this Job: 01 January 2023
JOB DETAILS:Job Purpose Statement
To provide operational support and coordination of key activities relating to financial and business analysis, operations, research and planning to Business Banking Unit. This will involve supporting key initiatives developed by the Head of Business Banking and thus enable positive impact be generated from such key initiatives and projects through analysis, monitoring, reporting and providing feedback on the status of such initiatives and key projects so that timely intervention can take place. The role will also engage in writing business reports for Board meetings, MCC, BCC and Performance Reviews which may include BCC pipeline, MCC watch list and EAR and provide day to day support on action plans arising from such forums
Qualification
Academic:
• Bachelor’s degree from a recognized accredited university. Professional:
• Business analytics skills
Desired work experience:
• At least 3 years’ experience working in the business area and data analysis in a role requiring:
• Ability to understand business at a level of detail that enables them to identify and document business requirements and address critical issues
• Adeptness at queries, report writing and presenting findings as well as oral and written communication skills;
• Demonstrated understanding of the design and development of reporting tools and dashboards;
• Knowledge of statistics and experience using statistical packages for analysing large datasets (Excel, SPSS, SAS etc.),
• Strong analytical, critical thinking and problem solving skills with the ability to collect, organize, analyse, and disseminate significant amounts of information with a very high level of attention to detail and accuracy; and
• Ability to organise, plan and prioritise assignments within multiple projects and to work with minimal direction and be very flexible to coordinate complex activities that are often subject to rapid or extensive changes; and the ability to work well within a team.
Deadline of this Job: 01 January 2023
JOB DETAILS:Job Purpose:
• Capture all queries (including verbal, written, telephone, e-mail etc) on the bank’s query logging system.
• When directly receiving customer enquiries, attempt to resolve the enquiry at the first instance by using the bank’s systems. Only escalate to the Client Service Manager when all other efforts have been exhausted to resolve the customer’s request.
• Explain to customers on the process flows for all their requests, including timelines and requirements expected from the Bank and Client.
• Explain the banks procedures, security requirements (such as the requirement to provide sufficient identifying information when carrying out a transaction) as well as services to customers.
• Resolve queries - escalate where unable, to resolve to the Client Service Manager.
• Inform customers of the value of using the Customer Feedback system, including explaining to customers how the bank uses their feedback to improve service.
• Ensure that all geographically assigned clients are maintained, managed and all their banking needs resolved.
Job Responsibilities/ Accountabilities:
• Answering and managing incoming calls.
• Handle and resolve Oracle Service cloud emails and Queries
• To receive, acknowledge and speedily resolve customer service requests as per set Service Level Agreements.
• To cross sell and market, the Bank’s products and services to ensure increased international banking & remittance customer base and increased value per customer.
• Reporting and giving feedback to branch management on levels of customer satisfaction and recurrent issues.
• Escalating issues raised via phone to the relevant teams and support the entire branch network on international banking and remittance related queries.
• Partner support through calls and emails.
• Research required information using available resources
• Capture new customer infromation in to the system as well as updating existing customer information.
• Document all information according to standard opertaing procedures.
• To ensure that high standards of Customer Service are maintained through out service levels.
• 100% compliance to the Bank’s policies and procedures.
Qualifications
Essential Knowledge
• Should have clear verbal and written communication skills.
• Should present great professionalism and organizational skills.
• Should be proficient in data entry and basic computer skills.
Key Critical Competencies
• Business awareness
• Strong analytical skills and problem solving skills
• Excellent planning skills
• High personal standards and goal oriented
• Excellent interpersonal skills
• Excellent and effective communications skills, both orally and in writing
• Strong coaching skills
• Strong sense of responsibility and urgency.
• Attention to details and ability to identify fraudulent activities.
• Show world class client service skills on phone, email and verbally.
• Ability to work well with minimum supervision.
Requirements:
• University degree in relevant field or equivalent with a minimum of 2 years’ experience in Customer Service functions.
• IT literacy.
• Able to operate in a performance driven organization.
• Knowledge of Bank’s customer segments, product types, service channels and tariffs.
• Should be of sound knowledge of global business environment, regulations and operations is desirable.
Deadline of this Job: 06 January 2023
JOB DETAILS:The Finance Manager (FM) is responsible for efficient and smooth running of finance functions of BRAC Africa Regional Hub in Nairobi, Kenya. The FM manages all aspects of budgeting, financial systems, financial reporting, regulatory compliance and grants. Also serves as chief adviser for the Africa Regional Hub on all matters of finance, budgeting, audit, contractual management, compliance
Key Responsibilities:
Business Planning & Budgeting
• Organize, develop and present complete annual budget for Africa Regional Hub.
• Leadership in development of budgets for all proposals or concept papers for new project.
• Update the annual budget to include any new funding grants and projects as appropriate.
Financial Transactions and reporting
• Manage the day-to-day finance transactions like cash disbursements, receipts, banking, payments and other finance-related tasks. Review all payments for completeness and accuracy before RD’s approval.
• Prepare Donor reports, maintaining Donor liaison and flagging important deadlines.
• Perform monthly reconciliation of all bank accounts, other assets and liabilities balance.
• Manage general ledger and produce Trial Balance for the preparation monthly accounts and ensure timely submission of monthly regional office accounts to BI Dhaka Office.
• Keep tracking of the budget line items for the hub (includes GRP and other functional hub costs) and follow up whether all expenses are properly recorded according to the budget line.
• Preparation of scheduled budget variance reports and submit on time
Financial Procedures
• Assist in the updating of financial procedures and forms including modifying receipts, payments, disbursements and bookkeeping, filling procedures
• Act as a finance business partner to the regional team and participate in any ad-hoc project as advised by the Regional Director, Africa and Director Finance, BRAC International.
• Ensure strong controls for cash flow management, inventory, fixed assets and other assets.
Compliance and regulation
• Ensure compliance with tax laws and other statutory obligation for the Hub including timely submission of employee and organizational taxes to the tax authority.
• Follow up with the internal and external auditors, provide necessary support to them and ensure all audit issues are addressed to maintain sound control environment.
• Ensure that the hub always has enough funds through timely submission of fund requests
Personnel Management
• Ensure that all staff under line management have updated performance indictors
• Participate in hiring of staff/volunteers for finance and accounts department.
• Participate in team building activities and help in matters related to health/life insurance for staff
Safeguarding
• Ensure the safety of team members from any harm, abuse, neglect, harassment and exploitation to achieve the program’s goals on safeguarding implementation. Act as a key source of support, guidance and expertise on safeguarding for establishing a safe working environment.
• Practice, promote and endorse the issues of safeguarding policy among team members and ensure the implementation of safeguarding standards in every course of action.
• Follow the safeguarding reporting procedure in case any reportable incident takes place, encourage others to do so.
Educational Requirements:
• Degree in Finance / Business Administration or equivalent;
• Master’s Degree in accounting /Finance PLUS ACCA or CPA/CA/CIMA/ ACCA
Experience Requirements:
• At least 5 years’ experience Finance/Business Administration or equivalent
• At least 3 years’ experience of independently leading a Finance/Audit team
• Knowledge on IAS/IFRS, Accounting, Budgeting, Finance, Auditing, Tax, VAT, Fiscal laws and their application
• In depth knowledge of international standard on Auditing.
• A good communicator, dynamic, hardworking and willing to work under pressure
• Sound knowledge on Computer Literacy.
• Highly proficient in English and Kiswahili
• Ability to work with minimal supervision.