Jobs at Co-operative Bank of Kenya

Ref: CCA/CMD/2023 

The ideal candidate is one who has been a top performer with a proven track record of accomplishments in previous roles, who will be a key contributor in a high-energy growth environment. The candidate’s work history should demonstrate ability to thrive in a fast-paced environment, dealing with complex & ambiguous financial situations.

Reporting to the Head – Corporate Credit Risk Analysis Department, the role-holder will receive proposals from business units, analyze the proposals and recommend as appropriate for credit decisions. The role will also entail analyzing Banks and financial institutions with whom the bank has dealing lines, Special Projects and Co-operatives. The role holder will also be responsible for monitoring portfolio for any signs of stress and initiate corrective measures.

The role

The successful jobholder will be expected to:

• Receive and analyze credit proposals from business units and make a decision, thereafter advice the business unit of the decisions same day.
• Recommend appropriate credit decisions to Credit approvers for final decision.
• Escalate unusual issues or issues raising concern to the Head – Corporate Credit Risk Analysis Department.
• Keep up to date records of all cases received, analyzed and decisions by prompt update of tracker.
• Keep abreast with economic, industry and business trends to facilitate quality analysis of credit applications.

• Document issues identified as causes of weak appraisals from business units – both policy and procedure.
• Train business units credit staff on credit analysis procedures
• Ensure all lending proposals are within the bank’s credit policy & lending guidelines and escalate any exceptions
• Ensure any policy breaches are properly authorized at the correct level.
• Monitoring assigned portfolio for any signs of stress and initiate corrective measures.
• Highlight to Head – Corporate Credit Analysis Department any necessary changes to the Bank’s credit policy and procedures.

• Provide timely and clear responses to the various business units as per the agreed SLAs.
• Maintain professional and technical knowledge by attending and contributing to training programs, educational workshops, reviewing professional publications, establishing personal networks, participating in professional structures & studies.
• Strict adherence to all regulations, statutes, standards, practices and all internal processes and procedures as   per the   relevant manuals and comply with all relevant external legislation and regulations with regard to Compliance requirements.

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 3 years banking experience in a credit related function.
• A thorough knowledge of the Bank’s credit policy and lending guidelines with good understanding of related products and services Plus Credit & Financial analytical skills.
• Ability to identify, analyze, condense and articulate complicated ideas and findings briefly and clearly.     
• A good knowledge of business trends and the business environment.
• A general awareness of the Bank’s vision and focus especially in relation to Business Development & management of risks.

Job expires on 28th February, 2023.

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Ref: ACM/CIBD/2023

Reporting to the Director – Co-operatives Banking Division, the role holder will be responsible for developing, scaling up and supporting channels solutions for cooperatives sector to ring fence the sector for NFI and liabilities growth in tandem with the emerging digital trends. The role holder will also be required to drive innovation in the cooperatives sector and maintain solid relationship and partnership with clients, and stakeholders on channels. 

The role

The successful jobholder will be expected to:

• Spearhead the implementation of the digital strategy for Co-operatives.
• Innovate new products and product enhancements for the division
• Drive the scoping, documentation, and implementation of new solutions
• Ensure adherence to the agreed timeline of project implementation
• Support departments to scope and deliver Solutions 
• Scoping channels enhancements change requests
• Working with interdepartmental project teams to deliver solutions for the sector
• Align on the BCI project implementation and work with CBD departmental and support teams to ensure a seamless transition for the various integrations and solution offering to Co-operatives
• Support the division to increase channels transitions by supporting new integrations for channels, onboarding new saccos 
• Cross sell value added products to grow division non-funded income 
• Support the division to grow Sacco Link utilization by, support upgrade of Saccos to Sacco API from the ISO bridge, Drive conversion of Saccos from GPRS / P2P to MPLS, Support deployment of IIS to drive Sacco link Card Application and utilization. 
• Increase MCo-op Cash utilization by supporting migration, integration and onboarding new Saccos to the platform
• Support Channels implementation to achieve departmental liabilities and NFI growth – RCS, B2B, Pay to Fosa
• Training to drive Channels knowledge for Co-operatives
• Develop ideas into products to enable the Bank stay ahead of competition.
• Drive penetration and utilization of the channels through client hand holding, training, marketing and promotion, ensuring successful implementation of Sacco products / projects.
• Collaborate with our ICT, wholesale banking, vendors and Fintechs organizations to support and derive maximum benefits from the channels. 
• Constantly engage with ICT/BCM/Projects/Sacco Desk Support/Sacco Support Services to give input for Co-operatives requirements for any projects involving Sacco products.

Qualifications, Skills & Attributes

The successful jobholder will be required to possess the following qualifications: –

• A Bachelor’s degree in Business or ICT related field from a recognized university. 
• A minimum 3 years relevant experience in Co-operatives relationship management 
• A minimum 2 years relevant experience business and product development in the banking industry
• Good accounting knowledge especially understanding the preparation of financial statements, ratio analysis and interpretation
• Good knowledge of the cooperative movement especially the different types of cooperatives
• Excellent communication & inter-personal skills and the capability to understand and manage several products deployment & support the same.
• Demonstrated leadership, personnel management, and project management skills.

Job expires on March 2, 2023