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Kenya Commercial Bank Limited is registered as a non-operating holding company which started operations as a licensed banking institution with effect from January 1, 2016. The holding company oversees KCB Kenya - incorporated with effect from January 1, 2016 - and all KCB's regional units in Uganda, Tanzania, Rwanda, Burundi, Ethiopia and South Sudan. It als...
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JOB DESCRIPTION
KEY RESPONSIBILITIES: MUST NOT BE MORE THAN 10
Program Development:
- Lead efforts to identify and prioritize high-impact programs and initiatives that align with KCBF’s strategic objectives.
- Work closely with internal and external stakeholders to develop compelling funding proposals and articulate the potential impact of proposed projects.
Donor Cultivation and Stewardship:
- Identify and cultivate relationships with individual donors, major gift prospects, corporations, foundations, and other potential funding sources.
- Engage donors through personalized communications, meetings, events, and stewardship activities to deepen their commitment to KCB Foundation.
- Maintain an informatics system that monitors and updates on the funding and opportunity pipeline, and lead pipeline and information management to drive informed decisions on future opportunities.
- Fundraising Campaigns:
- Lead the planning, execution, and evaluation of fundraising campaigns, including annual appeals, major gift drives, capital campaigns, and special events.
- Collaborate with marketing and communications teams to develop compelling messaging and materials that inspire donor engagement and support.
- Grant Writing and Management:
- Oversee the grant writing process, working closely with Director Foundation, Head of Programs, program managers, grants writer, and other staff to develop competitive grant proposals.
- Ensure alignment between grant opportunities and programmatic goals, and manage grant reporting requirements to maintain funder compliance.
Strategic Planning:
- Develop and implement regional fundraising strategies aligned with Foundation’s goals and priorities.
- Identify new fundraising opportunities, trends, and emerging donor interests within the region.
- Scope and identify opportunities for funding, Coordination of efforts and knowledge management aimed at winning new business.
- Conduct regular assessments and analyses of fundraising performance, trends, and effectiveness.
Team Leadership and Capacity Building:
- Provide leadership in institutional resource mobilization and fund raising across KCB Foundation, regional offices including subsidiaries.
- Foster a culture of collaboration, accountability, and excellence within the fundraising department.
- Identify training and professional development opportunities to enhance fundraising skills and competencies.
- Support programs and business units to develop and implement resource mobilization strategies.
- Provide technical training and capacity building to countries, staff and project implementation teams on resource mobilization, intelligence gathering, proposal writing to develop high quality proposals.
- Liaise with partnerships and policy and advocacy teams, working together to engage critical stakeholders and generate leads for new/enhanced program funding.
Compliance and Reporting:
- Review proposals and pitch materials for compliance and soundness with donor requirements as well as adherence to KCB Foundation and Group policies and procedures.
- Ensure compliance with relevant fundraising regulations, policies, and best practices within the region.
- Prepare accurate and timely reports on fundraising activities, progress, and outcomes for internal and external stakeholders.
- Collaborate with finance and administrative teams to track fundraising revenues, expenses, and budget allocations.
Representation:
- Cultivate relationships with strategic funders, donors, and other stakeholders to enhance the organization's visibility and funding opportunities.
- Attend meetings, conferences, and networking events to promote the organization's work and identify potential funding prospects.
- Promote the work of KCB Foundation through in person and written engagements to external stakeholders including donors, public sector and other relevant stakeholders.
MINIMUM POSITION QUALIFICATION REQUIREMENTS
Academic & Professional
Education
Professional Qualifications
- Fundraising/resource mobilization/ program implementation AA
- Masters Degree Business Administration(MBA) /Marketing/Related Field/ Project Management/ Social Sciences/ Communication AA
Experience
Total Minimum No of Years Experience Required
8 years
Detail Minimum No of Years Need Type[2]
- Donor Fundraising 8 ES
- Track record of raising at least Ksh 1B annually 3 DE
- Proposal, concept note and idea note development and preparation 8 ES
- Programme development 5 ES
- Partnership management 4 ES
- Research 3 DE
- Monitoring & evaluation 2 DE
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KEY RESPONSIBILITIES:
- Overseeing implementation of Group Funding and Liquidity Management policy across Group entities, serving as an expert to Group entities on funding and liquidity optimization.
- Develop funding plan models for managing funding positions and liquidity requirements for all KCB subsidiaries aligning subsidiaries’ funding and liquidity strategies to overall Group strategic priorities.
- Assess and implement solutions to optimize liquidity management, liquidity risk positions and funding plans of all subsidiary banking entities while providing a proactive view of potential funding risks and funding support required across the KCB group.
- Be the primary contact for cross-organizational interactions amongst Group entities on liquidity requirements, whilst leading senior relationships with Group enterprise risk management function on liquidity management.
- Lead the design and building of operational analytical infrastructure needed to comply with liquidity requirements as per Group policy and regulatory requirements.
- Determine target liquidity appetite (cash balances) for all subsidiaries, ensuring a balance between income generation and liquidity requirements.
- Determine funding strategies and funding targets that should be considered and implemented to enhance Primacy and optimize funding costs.
- Lead FLM engagements with in-country Treasuries advising on strategic planning requirements; determining the foreign currency funding support required by KCB Group entities and preparing updates to the group ALCO and the Board as part of the integrated planning process.
- Develop and implement liquidity stress test frameworks and monitor movements in funding and liquidity risk positions across KCB subsidiaries every month.
- Determine foreign currency requirements from other Group subsidiaries and work with other Treasury functions to solution for these requirements..
- Overseeing security lending and commercial paper programs across all Subsidiaries, as well as collaborating with in-country treasury teams on overall funding agreement program management.
- Lead the engagement with Group Trading and Sales ensuring funding limits and exposures are effectively implemented and monitored, in support of Business growth and compliance with Board-level liquidity requirements.
- Review funding applications from Subsidiaries and lead all funding negotiations with potential liquidity solution banks.
- Responsible for management of relationships with funding solutions providers as the primary contact for the Group with these entities.
- Oversee the execution of all FLM related requirements such as contingency planning, regulator requirements and ALCO requirements across all subsidiaries
- Support Entity Treasuries with Internal Liquidity Adequacy Assessment Plan (ILAAP) submissions (where necessary) to regulators and support drafting and governance of Group ILAAP requirements (where necessary).
- Responsible for setting and implementation of the KCB Group Asset and Liability Management process guidelines to for all the subsidiary Treasuries.
- Measurement, analysis and interpretation of interest rate risk in the banking book
- Develop and monitor implementation of guidelines for all structural analysis and adjustment of all balance sheet items while ensuring that all behavioural assumptions (including pre-payment assumptions) are in line with KCB Group Treasury guidelines.
- Responsible for Group ALM system development and steer ALM development and training across KCB group.
- Responsible for group Funds Transfer Pricing model development and steering FTP rollout and training across KCB group.
MINIMUM POSITION QUALIFICATION REQUIREMENTS
Academic & Professional
Education
- Bachelor’s Degree
- University Degree in Actuarial Science, Accounting, Business Administration, Statistics, Economics, Mathematics or any other relevant field RQ
- Masters Degree Any relevant area AA
- Postgraduate qualifications/Professional Certifications
- ACI Dealing Certificate
Experience
Total Minimum No of Years Experience Required
6 years
Detail Minimum No of Years Need Type[2]
- Banking liquidity management 6 ES
- Funds Transfer Price Modelling 5 ES
- Balance sheet and funding management 5 ES
- Stakeholder management 5 ES
- FLM/ALM 3 ES
- Banking Finance 3 ES
- Senior Management Reporting 4 ES
- People Management 3 ES
- Risk Management 3 DE
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KEY RESPONSIBILITIES
- Ensure adherence to Group Capital Management policies and risk framework across the bank subsidiaries.
- Develop and implement capital plans and modelling templates for assessing capital ratios and requirements to deliver target risk weighted assets (RWA) growth for all KCB Group subsidiaries.
- Ensure adherence to the regulatory and internal capital requirements across the Group and set clear escalation guidelines for breaches.
- Manage the Group’s capital stress testing processes, working together with the Group Risk function to design scenarios, including macro-economic variables and paths, critical to understanding the Group’s capital exposures, risks and mitigations.
- Responsible for all Group capital applications (including SBL dispensations and guarantee applications) ensuring quality of applications and deliver board expectations by challenging and reviewing returns.
- Optimize funding strategies and funding plans to support market share growth, returns and cost reductions, engaging with in-country and Group TES function on wholesale funding market capacity and opportunities.
- Working with the Group Treasurer on the issuance of short-term and long-term funding instruments (where appropriate) - Secured funding (securitization); Unsecured funding (senior and subordinated capital)
- Provide guidelines on the appropriate design and structure of the benchmark investment portfolio for each subsidiary.
- Chair investment committees in subsidiary treasuries to optimize the sovereign investment strategies to enhance contribution to Group RoRC
- Review Capital plans from bank subsidiaries monthly, clearly capturing the forecast regulatory capital demand and supply across business units over the 3-year planning horizon; Check and challenge to ensure the capital position on the capital plan over the planning cycles meets the board and regulatory approved targets.
- Determine capital buffers and perform Cost of Equity calculations in line with KCB Treasury principles and methodology.
- Oversight Risk Weighted Assets (RWA) optimization initiatives across Subsidiaries, challenging data inputs and engagement with in-country treasury teams to guide modelling capability.
- Work with in-country treasury teams in setting risk adjusted return hurdles and ensure that the hurdle rates are met by evaluating pricing tools and assumptions.
- Lead the BAU Basel regulatory change initiatives. This extends beyond RWA reporting to the consideration of moving from Standardized to advanced (engaging with the credit modelling teams as appropriate)
- Support the subsidiary Treasurers with Internal Capital Adequacy Assessment Plan (ICAAP) submissions to regulators; Coordinate the drafting and governance of Group ICAAP submission.
MINIMUM POSITION QUALIFICATION REQUIREMENTS
Academic & Professional
Education
- Bachelor’s Degree
- University Degree in Actuarial Science, Accounting, Business Administration, Statistics, Economics, Mathematics or any other relevant field RQ
- Masters Degree Any relevant area AA
- Postgraduate qualifications/Professional Certifications
- ACI Dealing Certificate RQ
Experience
Total Minimum No of Years Experience Required
6 years
Detail Minimum No of Years Need Type[2]
- Treasury Execution Management 6 ES
- Funds Transfer Price Modelling 5 ES
- Capital Management 4 ES
- Investment portfolio management 5 ES
- Stakeholder Management 5 ES
- Senior Management Reporting 4 ES
- Banking/Finance 3 ES
- People Management 3 ES
- Risk Management 3 DE
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Main Duties & Responsibilities
Strategy implementation
- Implement Supply and demand affordable Housing strategy in line with the overall Mortgage Strategy.
- Deliver on Annual Business Growth Targets: Revenue, Fees and Commissions, Profit Before Tax, Assets, Liabilities and Customer Numbers.
- Drive affordable housing supply and demand by understanding customer/prospects needs and delivering innovative and customized financial solutions to meet identified customer needs.
- Analyze market intelligence and competitor information and give recommendations for pricing, product development/packaging, improvement of appropriate response on the mortgage scheme business.
- Develop in-depth knowledge of the client’s strategy, business, financial performance, industry outlook/trends, specific sector knowledge and general macroeconomic issues and trends in the country and other relevant geographies and ensure that this is transferred to the relevant internal stakeholders
Sales and business growth
- To grow the mortgage book- both asset and liability book through affordable Housing.
- Executes sales growth tactics and targets in collaboration with business partners (e.g. Retail, Corporate, Public Sector, Product Management teams, Bancassurance, Capital and any other business partners).
- Ensure strong cross- selling of existing and new products to existing and new clients.
- Responsible for maintaining a healthy link between the Balance Sheet and Income Statement through managing the margins at which facilities are made available to clients in the portfolio.
- Implement and control the pricing tactics and parameters for the affordable Housing portfolio in line with pricing policy and financial targets.
- Organize and participate in open days, activation's, property bus tours and training and other sales initiatives aimed at growing the mortgage scheme book.
- Drives the growth of non-financial performance such as new customer acquisition, Net Promoter Score, updated customer information, accurate segmentation of customers in the portfolio.
Relationship Management
- Champion the delivery of consistent, seamless and trusted customer service to ensure customer retention and loyalty.
- Personally maintain and deepen client relationships at the appropriate level and foster long-term client interest.
- Relationship Management of Corporate schemes with close coordination with the respective HR and Finance teams and respective scheme administrators.
- Develop critical relationships with client decision makers and regularly define and communicate commercial opportunities for new and existing clients of KCB Group.
- Maintain, review and existing and NTB MOU’s ensuring compliance with respective prudential guidelines.
Account monitoring
- Monitor daily referrals to ensure that client facilities are managed within the parameters set by the Bank
- Exercising discretion regarding account conduct based on a close knowledge and understanding of client activities
- Prepare and share timely reports to scheme Administrators.
- Ensure timely and accurate reporting on KMRC portfolio and ensure adequate funding lines from the same.
Risk Management
- Ensure timely submission of quality credit proposals in conformity with the Credit Policy guidelines and requirements.
- Maintain the quality of assigned portfolio within stipulated Non-Performing Loans (NPL) and Portfolio at Risk (PAR) parameters.
- Manage and maintain robust monitoring, controls, business continuity, governance and risk management environment
- Ensure timely preparation of relevant reports and daily monitoring of accounts to ensure facilities have accurate interest rates, are within the approved limits, and taking remedial actions in line with policy.
- Ensure compliance to the Bank’s policies, procedures and regulatory requirements.
Academic & Professional Qualification
Essential
- University Degree in Business Administration and Management, Economics, Finance, Banking or its equivalent from a recognized institution.
Desirable
- Professional qualifications (CPA, ACCA, AKIB)
- Master’s degree in a relevant field from a recognized institution is an added advantage.
- Post graduate and or Banking qualifications will be an added advantage
- Professional qualification in sales / marketing
Work Experience & Skills
Essential
- Seven (7) years’ banking experience in the Financial/banking sector, five (3) of which should be in Real Estate Financing.
- Credit and Financial Analysis
- Relationship management
- Client Portfolio Management
- Digital Savvy and Computer literacy
- Entrepreneurial and Commercial thinking
- Integrity & courage to challenge actions within various business units and the status quo.
- Excellent research, analytical, and problem-solving skills.
- Strong persuasion, management and communication skills
- Strong organizational skills
- Excellent stakeholder management skills
- Creative approach, with the ability to anticipate challenges and develop innovative solutions;
Desirable
- Prior experience of dealing with customers
- High degree of interpersonal skills when dealing with a range of people and situations.
- Good computer skills
- Negotiation and Influencing skills
- Planning and personal organization
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KEY RESPONSIBILITIES: MUST NOT BE MORE THAN 10
- Identify, assess and recommend sustainable and green funding investment opportunities including Green Bonds, SBL’s structures (Security Based Lending) , blended finance and other funding financial products to fund the Mortgage book for the bank working closely with KCB Investment Bank.
- Design and implement a green funding framework for Real Estate projects in the bank
- Develop a deep understanding of Real Estate Sustainable Finance market practice, transaction structuring, monitoring and reporting of Real Estate Green Portfolio.
- Develop innovative options for financing and delivery of affordable housing. Have a comprehensive understanding of investment models for housing and identify opportunities within the Housing Ecosystem.
- Develop a fund raising strategy for the Mortgage book that’s guided by a comprehensive understanding of National and Regional housing policy and its inter-relationship with other policies in the bank.
- Track trends and key developments in projects and identify issues and priorities action and intervention through a thorough understanding of the housing market and housing needs in Kenya.
- Lead, manage, and appraise the technical team that will provide technical support on matters building and construction for all real estate projects financed by the bank.
- Lead on the development of a strong business approach to land and other assets for the development of housing and related schemes.
- Take a proactive lead role in strategic planning and direction. Assess current and future budgetary risks and develop strategies to address the risk.
- Lead on the development of the Bank’s policies and strategies in relation to Housing, ensure these are in line with Government/professional guidance and good practice.
- Drive forward the development of an ambitious and innovative Affordable Housing Strategy in partnership with key partners to most effectively meet housing needs and bring benefit to the Bank.
- Develop effective and dynamic relationship with key partnerships and other organizations to deliver new affordable housing. Maintain a high level strategic relationship with the Government, Counties and other organizations to assist with the delivery of KCB Housing Strategy.
- Provide expert advice to the Director and Senior Management in relation to all Housing development and strategy matters.
- Firmly establish as a key player in affordable housing development in Kenya.
- Represent the Bank at internal and external meetings on all housing developments and strategy matters, prepare and present reports to Senior Management.
- Manage a portfolio of projects including development and maintaining project timetables.
- Lead, motivate and manage staff in the functional unit.
Academic & Professional
- Education Bachelors’ Degree Bachelor of Architecture/Quantity Surveying/Bachelor of Arts in Building Economics/Bachelor’s Degree in Construction Management/ or a related degree from a recognized university RQ
- Professional Qualifications Project management, Sustainability/Green Finance/Fund Raising RQ
- Masters Degree MBA,MA,MSC AA
Experience
Total Minimum No of Years’ Experience Required
Detail Minimum No of Years Need Type[1]
- Demonstrated project management skills, including managing and prioritizing multiple tasks. 5 RQ
- Program management of affordable housing development, financing, feasibility analysis, real estate development and project management. 8 RQ
- Experience in portfolio management and business Development 8 RQ
- Knowledge of business practices and finance methods and procedures; principles and practices of housing development. 3 RQ
- Experience in transaction structuring for Green Finance Funding or any other funding lines 4
- Knowledge of funding programs for affordable housing and development, National/County policies and ordinances, site plan review methods, design principles, redevelopment programs and planning and zoning processes. 4 RQ
- Ability to analyze situations accurately and adopt an effective course of action. Compile and analyze relevant information and draw valid conclusions to make recommendations for resolution. RQ
- Extensive experience with office systems, computer literacy, and knowledge of Microsoft Office applications including Word, Excel, Power Point, and Outlook RQ
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KEY RESPONSIBILITIES
- Develop and implement the bank’s Real Estate green finance strategy and build a centre of excellence for housing green finance.
- Identify new fundraising opportunities, trends, and emerging donor interests within the region.
- Scope and identify opportunities for funding, Coordination of efforts and knowledge management aimed at winning new business.
- Drive the achievement of sustainable finance targets & financed emissions reduction targets.
- Deliver an innovative sustainable finance product and service suite to meet customer requirements and achieve business objectives.
- Facilitate the commercialization of sustainable finance products in liaison with product teams, business units, cross functional teams, and subsidiaries.
- Identify, assess, and recommend sustainable investment opportunities, including green bonds, impact investments, and sustainable financial products.
- Work closely with Group corporate affairs team to build internal / external stakeholder strategy promoting green lending while ensuring consistent messaging to internal and wider market.
- Performance monitoring and evaluation: Establish key performance indicators (KPIs) and metrics to track Real Estate green lending progress.
- Prepare and deliver reports on Real Estate green lending performance, progress, and achievements to internal and external stakeholders. Develop communication materials to raise awareness and engage employees, customers, and the public.
- Develop a deep understanding of sustainable finance market practice, particularly transaction structuring, ESG analysis of Real estate clients, complex structures to ensure opportunities maximization and risk mitigation.
- Design and implement the Bank’s Real Estate green lending framework, policies, processes, and procedures. Manage risks within the regulatory and compliance framework of the Bank and ensure compliance with Bank’s policies, procedures, and regulatory requirements.
- Lead, motivate, and continuously develop a credible high performing team.
Academic & Professional
Experience
Total Minimum No of Years’ Experience Required
6 Years
Detail Minimum No of Years[1]
- Sustainability management and environmental management 3
- Strategic planning, implementation and monitoring 5
- Policy and governance 3
- Sustainable lending/green funding 3
- Stakeholder engagements 6
- Partnerships management 6
- People Management 6
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KEY RESPONSIBILITIES: MUST NOT BE MORE THAN 10
Oversee the documentation, review, and update of Standard Operating Procedures in liaison with the Group Re-engineering Team, HO functions, regional offices, branch management and Job holders
Risk and compliance Management
- Follow through to ensure Regions and branches proactively manage risks through embedded process of proactively Identifying, assessing, mitigating, controlling, monitoring and reporting all events that have risk exposure potential.
- Reporting up the chain and to Group Risk function all risks identified to facilitate prudent risk mitigation strategies
- Reviewing operations within the branch network and provide preliminary analysis on all events that have risk exposure potential
- Analyze and review operational procedures to mitigate against operational risks and ensure high operational standards.
- Through the Regional offices ensure compliance by branches with anti-money laundering policies and procedures as guided by the operations Manual and the AML/KYC manuals.
External and internal Audit
- In liaison with Finance and Compliance Risk functions, engage with external auditors and coordinate submission of relevant information track closure of Retail actions.
- Oversee closure of internal audit issues
- Prepared a summary of executive report.
Operational losses, Frauds and Forgeries
- Track data on frauds, forgeries, staff delfalcation, theft/burglary and compile reports with a view to make appropriate recommendations to prevent future recurrence/lapses.
- Review and analyse all Forensic reports and ensure all recommendations are implemented and any disciplinary cases are followed up to logical conclusion.
- Support regions and branches to ensure adherence to policies, processes, procedures as per documented operating standards(e.g. SOP’s) in order to enhance internal controls to mitigate frauds and forgeries
Prepare Board Papers and act as alternate chair of DORCCO
- On a quarterly basis prepare Audit Committee Board papers for refunds, Write offs or other actions to be presented to the Executive Committees EXCO and Board Committee ( those relating with Retail Operations)
- Coordinate monthly Retail DORCCO meeting and ensure timely closure of issues raised and escalation to K -ORCCO.
Coordinate Training
- Carry out training workshops for Regional Service Quality & Compliance Managers in Regions and Managers Service Quality& Compliance in branches
- Obtain a schedule of training needs for all staff in branches.
- Obtain monthly report on trainings undertaken.
- Track departmental trainings.
- Track branch training in liaison with Regional Office.
- Query HR on any gaps in training.
- Carry out training workshops for Regional Service Quality & Compliance Managers in Regions and Managers Service Quality& Compliance in branches
Customer Complaints Resolution
- Resolution of the complaints escalated to Retail HO
- Analyse and determine critical areas of improvement within the branches and facilitate workable resolutions in Liaison with HO support units so that it does not recur; BSR( Process /SOPs) , Legal; Credit ;AOPC;
Staff performance tools
- Coordinate review and update of Retail Branch Job descriptions.
- As part of the BSC committee, support quality checks on Retail standardized Branch Balance Scorecards.
DAILY RESPONSIBILITIES: NOT MORE THAN 5 OF THE MOST TYPICAL
- Participate in cross functional meetings and ad hoc Retail meetings on behalf of Retail
- Broadcast to the branch network any vital information that is important for day to day running of the business and conclusively respond to internal communication i.e. E-mails, telephone and letters
- Follow up compliance issues.
- Handle escalated customer complaints
- Review processes to mitigate operational gaps.
- Handle Retail operational risk issues - DORCCO and GORCCO issues
MINIMUM POSITION QUALIFICATION REQUIREMENTS
Academic & Professional
- Education Bachelors Degree Business Administration RQ
- Professional Qualifications AKIB, CPA (K) AA
- Masters Degree Business Administration AA
- Professional Qualifications Proficiency in MS Office RQ
Experience
Total Minimum No of Years Experience Required
8 years
Detail Minimum No of Years Need Type[5]
- Experience Area 1- Banking Operations 5 RQ
- Experience Area 3- Customer Relationship Management 4 RQ
- Experience Area 2-Operations in Retail H/O 3 RQ
- Experience Area 4-Audit/Compliance role 3 RQ
- Experience Area 3-Credit 2 DE
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