Jobs at NCBA Group

The role holder is required to support in management and maintenance of a portfolio of customers within assigned market segments by analyzing the portfolio to establish any trends and advise the Relationship and Branch teams of any matters arising that may affect the portfolio.

Key Accountabilities (Duties and Responsibilities)

Financial 45 %

• This position is responsible for achievement of the assigned portfolios annual financial targets.
• Achieve agreed revenues targets
• Identify potential small and medium SMEs in the Business Banking portfolio/Branch managed book (VSE) and seek the opportunity to cross sell or upsell.
• Support the growth and development of Very Small Enterprises (VSE) portfolio through various initiatives and strategies.
• Help resolve credit problems, delinquent payment issues and other related affairs.
• Review current account status, to include but not limited to past due accounts and notes matured. Make appropriate recommendations for these accounts.
• Initiate credit calls with existing potential customers while
• keeping a record of all customer calls.
• Foster effective working partnership with Business Banking Relationship Management team, retail staff, branch business and other partners with a view to grow the business.
• Prepare BB portfolio activity reports for management as needed.
• Monitor portfolio loan exposure including review of monthly maturity reports, daily overdraft activities reports, weekly past due reports. Report deteriorating credit situations in a timely manner
• Work with the relationship management team to modify and or restructure existing loans as needed.
• Effectively monitor portfolio for revenue opportunities and or loan exposures.
• Handle all matters related to audit and compliance in relation to the business banking portfolio
• Ensure adherence to credit and other policies, guidelines and regulatory requirements.
• Foster effective working partnership with Business Banking Relationship Management team, retail staff, branch business and other partners with a view to grow the business.
• Prepare BB portfolio activity reports for management as needed.
• Monitor portfolio loan exposure including review of monthly maturity reports, daily overdraft activities reports, weekly past due reports. Report deteriorating credit situations in a timely manner
• Work with the relationship management team to modify and or restructure existing loans as needed.
• Effectively monitor portfolio for revenue opportunities and or loan exposures.
• Handle all matters related to audit and compliance in relation to the business banking portfolio
• Ensure adherence to credit and other policies, guidelines and regulatory requirements

Customer 30% 

• This position is responsible for driving customer satisfaction, identifying opportunities for business development and providing insightful feedback on the assigned portfolios that help in the customization and development of solutions.
• Demonstrate NCBA bank values
• Monitor and assess activities of our competitors to proactively satisfy and retain our clients.
• Provide feedback to management and stakeholders in respect to portfolio activities.
• Provide reports of VSEs referrals, non RM Managed asset finance referrals, NPL & PAR reports and proposed mitigations.
• Adherence to SLA.
• Adopting and developing a network of strong partnerships with the Business and Business Support teams and other functions of the Bank.

Internal business processes

• This position is responsible for adhering to approved policies and procedures and providing feedback on the same to keep them competitive.
• The jobholder will embrace a digital way of working that result in efficient and impactful engagement and accurate delivery of service.
• Ensure all annual reviews of Overdraft and other Credit limits are undertaken promptly.
• Achieve the set PAR and NPL targets
• Satisfactory audit rating.
• Prepare portfolio activity reports (Accounts under watch, Early Alert, pipeline reports, restructure) for management and portfolio review meetings (MCC, BCC etc) as needed.
• Liaise with the Business Analytics Team and Credit Portfolio Team to ensure the right provision numbers are mapped to Business Banking portfolio.
• Ensure BB write backs are promptly and correctly mapped in the Balance sheet
• Ensure segmentation rules are observed and review any proposed changes.
• Develop strategies/triggers to monitor, reduces BB NPL and PAR
• Allocate new asset finance approvals to RMs for deepening and follow up for closure.
• Collection and Recovery targets
• Portfolio data on the core banking and credit systems is accurate.

Learning and growth

• This position is responsible for delivering the performance objectives set and managing his/her own learning and development to build capacity and avail him/herself for coaching and training opportunities.
• Attain required learning hours and adhere to policy on annual leave

Operating Environment

• The position holder is expected to regularly work within the office environment liaising with internal stakeholders and support functions. 

Academic:

• Bachelor’s Degree in business related field.

Professional:

• Credit skills, sales and Knowledge of Business Banking products and policies is an added advantage

Desired work experience:

• 5 years banking experience in a bank or lending setting and or training or equivalent combination of education and experience.
• Working knowledge with Microsoft office
• Credit skills and Knowledge of Business Banking products and policies is an added advantage
• Good working experience with all Bank systems i.e. T24, Credit Quest, CRM , Vision , IBPS

NCBA Bank Core Value Behaviours (Performance Drivers)

• DRIVEN: - We are passionate, make bold decisions and learn from our failures. We seek new challenges and appreciate different views constantly raising the bar. We explore our full potential.
• OPEN: - Our interactions are candid, honest and transparent. We listen to each other and our clients. We are inclusive and always respect each other.
• RESPONSIVE: - We are proactive, act quickly and resolutely to deliver results. We put our customer’s interests at the heart of all that we do. We keep it simple and seek new ways to improve.
• TRUSTED: - As a trusted partner we do what is morally right always. We keep our word. We are accountable and believe in each other.

Technical Competencies

• Advanced Credit skills and portfolio management knowledge
• Great oral and written presentation skills
• Customer oriented and team player
• Strong sales, negotiation and persuasion skills
• Understanding of financial/banking products, services, procedures and policies, especially
• KYC and AML procedures.

Closing on: Mar 27, 2022

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Job Purpose Statement

• The main purpose of the role is to work with the group head of financial reporting in the management, coordination and preparation of the regional subsidiaries financials. The role serves as a focal point of accounting and interpretation of financial data for the subsidiaries. This will therefore require day to day partnership with the regional subsidiaries so as to monitor their performance effectively. 
• The role will direct the implementation of financial management culture, policies, tools, processes and procedures that ensures internal efficiencies, and effective preparation and dissemination of financial information in line with the accounting standards for management
• decision making and reporting purposes.
• The role prepares all the regional business financial report that advise the Group director regional business on the weekly and monthly performance of the regional businesses
• The role provides the daily dashboard to the executive team on the performance of the key balance sheet drives sharing insights on key drives of any significant movements

Key Accountabilities (Duties and Responsibilities)

Output Financial 40% 

• Performing analysis on regional subsidiaries performance and providing insightful commentary on emerging trends, whilst linking current performance with future projections, risks and opportunities;
• Monitor regional performance against budget and provide monthly variance analysis report.
• Lead the forecasting process & provide strategic insights and commentaries on the financial performance.
• Providing the regional subsidiaries financial performance and future outlook.
• Coordinate the development of regional financial plans & budgets.
• Provide the Business with timely and accurate reports for decision making.
• Support timely and accurate provision of data to internal and external stakeholders.
• Implement process improvements to enhance efficiency and accuracy.
• Monitor monthly expenses for the subsidiaries against budget and follow-up on unfavourable variances.
• Facilitate compliance through accurate and timely submission of returns and reports.
• Daily preparation and circulation of bank liquidity
• Regional weekly liquidity summary
• Monthly ALCO Preparation to guide management decisions
• Back up for the Kenyan subsidiaries & Kenya bank
• Monthly Preparation of transactional reports & NFI Checkers
• Oversee maintenance of fixed asset registers for regional subsidiaries including additions, update of asset details, disposals and write-offs of assets.
• Preparation of Annual Financials Statements
• Seeking opportunities for savings for the regional subsidiaries operating expenses management
• Compliance with IFRS guidelines
• Annual audit co-ordination

Internal business processes 30% 

• Ensure proper regional management accounts are kept in accordance with the International Financial Reporting Standards and the applicable laws and regulations in markets the bank operates in.
• Ensure that the said subsidiaries monthly financial reports are prepared accurately and circulated to all users within agreed time lines. These reports include; monthly management accounts and performance analysis reports.
• Ensuring intercompany balances are properly accounted for and reconciled.
• Continuous review of all processes and procedures to drive process improvement and adherence- to procedures
• Development and implementation of systems for collating and analysing financial and operational data to provide relevant management information and reports to specified stakeholders.
• Develop long-term strategic goals for MIS development in conjunction with end users, managers, clients, and other stakeholders.
• Participate in the implementation of projects and use of new MIS software tools and systems.
• Shadow the Business Finance manager Kenya subsidiaries by providing the Kenya subsidiaries performance and filing of regulator returns
• Shadow the group planning and reporting role by preparing group’s consolidated operating business entities monthly financial reports accurately and circulated to all users within agreed time lines. These reports include; monthly management account and performance analysis reports

Customer (Internal) 20% 

• Provide financial reports to all the stakeholders in a timely manner
• Provide insights on the regional financial statements to aid in decision making
• Assess and cultivate long-term strategic goals for MIS development in conjunction with end users, managers, clients, and other stakeholders.
• Guide the preparation of the regional subsidiaries annual budgets
• Continuous partnership with regional businesses for effective performance monitoring.
• Provision of accurate information required by rating and lending agencies.

Learning and growth 10% 

• Work with other members of the unit so as to learn their roles for individual development and assist whenever called to.
• Collaborate with other members of the Department, and with other relevant stakeholders for the purpose of cultivating collective responsibility to achieve business goals.
• Training through E-learning, Internal & External training activities.
• Training and development of clear growth plans

Ideal Job Specifications

Academic:

• University degree in business related studies or equivalent.
• MBA is an added advantage.

Professional:

• CPA, ACCA, CIMA or equivalent professional qualification

Desired work experience:

• Five years’ post-qualification (accounting) experience in a medium to large corporate organisation.
• Three years’ work experience in middle management role.
• Practical experience in use of relevant MS Office applications.
• Competence in the use of SAP, SAP BODs, SAP BPC and T24

Closing on: Mar 27, 2022

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Provide product solutions and developments, support revenue generation, co-ordinate sales initiatives with ALL Corporate and SME Relationship Managers, Personal Banking Relationship Managers, Officers, Branch Business Managers, and provide support in the acquisition of new business, retention and growth of existing business.

Key Accountabilities (Duties and Responsibilities)

Product Development 30% 

• Lead on Cash Management product conceptualization, business case documentation, development, testing, packaging and roll-out in conjunction with the various stakeholders.
• Quality and timely implementation of payments and collections products.
• Responsible and accountable for product benefit realization for all products implemented.
• Implement Cash Management proper solutions to clients, of varying size and complexity jointly with the implementation team.
• Partner with business development team to ensure appropriate selling of payment and collections products to customers.
• Work with the Sales team to ensure growth of NFI and attract cheap liabilities from the target market.
• Champion utilization of Cash Management solutions as the preferred delivery channels in the bank through the various sales /relationship teams; sales drives; campaigns and staff training together with the Cash Management Sales team.
• Contribute to the overall growth of customer base for the bank through / jointly with internal and external service providers to ensure that product gaps that impair the client value propositions are addressed timely.
• Ensure specific customer insight through effective segmentation and partnership to understand customer and segment needs.
• Implement appropriate procedures in line with the requirements and process in ‘user’ units.
• Ensure 100% adherence with bank policy on product documentation and processes to achieve optimal efficiency, compliance and cost containment.
• Issue resolution in relation to payments and collections related issues
• Ongoing review of existing functionalities to ensure end to end process are functioning adequately
• Advise the bank management on any new developments in the cash management front to keep pace with competition via market research and periodical product reviews thus establish product consumption; viability and net worth.

Financial 10% 

• Drive growth of revenue and volume from Cash Management products and services
• Assessment of marketing opportunities and target markets
• Drive benefit realization for implemented services/channels as stipulated.

Service Delivery (Client Focus) 20% 

• Co-ordinate Product Management, Customer Service and Operations to ensure client satisfaction.
• Develop and support the launching of new initiatives, products, developing enhancements and new product concepts

Efficiency and service uptime 15% 

• Provide product portfolio analysis and ensure product utilisation and volume tracking of all Corporate, Commercial, Business Banking and SME customers.
• Keep abreast of MIS and Key Performance Indicators for all Corporate, Commercial, Business Banking and SME portfolio and increase utilization:
• Volumes;
• Revenues;
• Initiatives;
• Project Implementation status.
• Provide MIS of customer transaction behaviour and metrics on progress of deals managed.
• Manage product/service mix, pricing and margins according to agreed aims.
• Strive towards 100% STP for channel transactions

Risk and Compliance 15% 

• Implementation and regularly review of product programme guides for all Cash Management product.
• Coordinate and assume responsibility for compiling and communicating to all stakeholders, on a regular basis,
• information relevant to Payments, Collections and Liquidity Management portfolio.
• Conduct regular product portfolio reviews to identify areas of improvement and develop tactical plans towards achieving set risk and compliance criteria.
• Implementation and adoption (within cash management unit) of all Compliance, Anti-Money Laundering and Sanctions related requirements contained in policies, procedures and processes pertaining to Cash Management products.

Brand and Culture 10% 

• Represent NCBA Bank at sales forums and industry events.
• Promote the NCBA Bank brand.

Ideal Job Specifications

Academic:

• University degree with Upper 2nd Class and any other relevant Professional qualifications.

Professional:

• A professional qualification in IT or project management field is an added advantage.
• 1 year experience in an analyst role in the financial sector will be an added advantage
• Proficient in Ms Office Suite – Ms Word, Power Point, Ms Visio, Ms Excel, Ms Access etc

Desired work experience:

• At least 5 years banking experience, out of which 2 years should be in Cash Management & EBanking. 
• Resolving of routed cash management issues within the agreed TAT.
• Provide input to stakeholders on customer implementation progress for projects or solutions being rolled out.
• Offer product training to staff across the bank.
• Ensure that client information is updated in all the relevant information systems, and when out-dated, liaise with clients to gather the updated information.
• Either through own initiative, or teams, be a proactive member of the department, working to reduce implementation cycle time
• Product Utilization,

Technical Competencies

• Project Management skills
• Good understanding and application of analytical skills e.g. advanced excel, MS access,
• Excellent knowledge of bank operations and systems.
• Knowledge and effective application of all relevant banking strategies, policies, processes, procedures, guidelines and project management methodology and to consistently achieve required compliance standards.
• Good understanding and application of analytical skills e.g. advanced excel, MS access,
• Excellent knowledge of bank operations and systems.
• Presentation skills to be able to articulate the features and benefits of various products to aid in the selling process.
• Business Development skills to effectively segment the target market, gather market intelligence and identify opportunities for the bank to sell its products.
• Strong oral, written communication, presentation and organizing skills to effectively plan own time and manage assigned projects.
• Strong customer focus coupled with knowledge of the product offering and its impact on the customer’s business.
• Interpersonal skills to effectively communicate with internal and external stake holders who impact performance.

Behavioural Competencies

• Goal driven and results oriented: Ability to achieve and surpass set goals with exceptional results.
• Personal Ethics: Must be honest, fair and just with self and others, and demonstrates integrity in work and business contacts.
• Proactive Initiator: Must be pro-active, a self-starter and have the ability to see, grasp and advice on opportunities.
• Outstanding planning and organizational skills with the ability to manage work load effectively.
• Ability to visualize, gather information, and solve complex problems analytically.

Closing on: Mar 28, 2022