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Legal and Governance Counsel
JOB PURPOSE STATEMENT
The primary purpose of the Legal and Governance Counsel is to identify and address governance and legal issues impacting Loop DFS Limited and its subsidiaries. This role involves offering practical solutions and implementing effective mitigation plans.
The Legal and Governance Counsel will report to the Head of Legal, Compliance, and Regulatory. Additionally, this role will include providing company secretarial services for Loop DFS and its subsidiaries.
KEY ACCOUNTABILITIES (DUTIES AND RESPONSIBILITIES)
Financial (5%)
- Support the Head of Legal in management of unit costs within the approved budget.
- Negotiate with external advocates before engagement to ensure that the legal fees billed is minimized and below budget.
- Ensure contracts are well drafted to minimize legal risks that might result to financial loss.
Internal Business Processes
- Corporate Secretarial and Governance Advisory (25%)
- Creation and regular review of the Companies Constitutive document and Corporate Governance documentation including Board Charters, Board Codes of Conduct and Terms of Reference for different Board Committees;
- Assisting the Head of Legal to undertake Company Secretarial work including attending Board of Directors meetings and/or Board Committee meetings, writing of minutes and preparation of Board papers.
- Providing legal advisory services to the Board and guiding the board in ensuring implementation of the Companies Constitutive documents;
- Liaising with external advocates to receive legal opinions as sought by the Board, filing of various resolutions at the Companies Registry, Corporate Restructuring among others.
- Liaising with external independent companies to carry out independent Corporate Governance Audit and Legal Audits.
- Assisting the Head of Legal to facilitate board induction, board assessment and evaluation.
- Periodically updating the Board, the management team and the other business units on new regulations that have an impact on the business.
- Assist the Head of Legal in ensuring that budgeting for the Legal Department is done concisely and the budget is cost effective.
- Environmental, Social and Governance) Strategy and Compliance Framework (10%)
- Preparation and periodic review of the ESG Framework of the Company and its subsidiaries.
- Assisting different department’s i.e the Risk department to identify, assess and manage risks that emanate from social and environmental issues and providing legal support to ensure compliance.
- Assisting the Head of legal on preparation of legal opinions, briefs and memos relating to ESG Compliance to the Management and/the Board.
- Contracting and Review of Legal documents for business support units (20%)
- Supporting business units during contracting by preparing and/reviewing contracts, negotiating the terms with the Vendors, identifying the legal risks and incorporating suitable provisions to mitigate legal risk.
- Proposing new and innovative ideas that ensure that contract management and the quality of the contracts entered into by the Company and its subsidiaries are of the highest standards.
- Preparation and adherence to a contract drafting and review checklist and a contract management system – where practical, ensuring creation and ensuring adherence to approved standard templates for contracts and customer documentation.
- Legal Advisory and legal awareness (15%)
- Assisting the Head of Legal in the preparation of legal opinions as may be requested by management, business units and/or the Board of directors of the Company.
- Providing concise, responsive and practical legal opinions and legal solutions of the queries raised by the business and support units for both self and direct reports.
- Timely review and dissemination of information and market/practice trends useful in management of legal Risk to different business units.
- Legal Management (15%)
- Assisting the Head of Legal to supervise, monitor and ensure the legal risk policy is complied with and encourage the optimum performance of the department to ensure TATs are adhered to by the department in order to protect the Company’s interests.
- Assisting the Head of Legal to provide continuous leadership, supervision, training and development of the internal legal team.
- Management of the Company’s relationships with providers of external legal services to ensure value maximization for the Company.
- Mitigate on legal costs, ensuring speedy conclusion of legal tasks outsourced to external advocates.
- Ensure all invoices of fees are negotiated and settled in a timely manner but also in the most cost-effective way.
- Customer Experience (5%)
- Ensuring service delivery as per the set Service Level Agreements with the various departments/Customers (meeting TAT and quality standards); and
- Assisting the Head of Legal with management and liaison with various stakeholders and customers including regulators, partners and service providers.
- Learning & Growth (5%)
- Ensure that you achieve at least 40 hours of learning/training for both self and direct report through E-learning, Internal & External training activities.
- Ensure attendance of Continuing Professional Development Courses with the LSK and meet the required points for the following year’s practicing requirements.
JOB SPECIFICATIONS
Academic:
- A Bachelor’s Degree Law (LLB) from an accredited institution;
- Admission as an advocate of the High Court of Kenya (5 years post admission);
- A Certified Company Secretary with the Institute of Certified Public Secretaries (will be an added advantage);
- A Certificate on ESG reporting (will be an added advantage); and
- A Masters in Law or a finance will be an added advantage.
Desired work experience:
- A minimum of 5 years of relevant working experience, including work experience in a commercial, financial, or legal advisory institution and/or fintech body.
- Advocate of the High Court of Kenya and a Certified Company Secretary.
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JOB COMPETENCIES
Technical Competencies
- Legal Knowledge and Fintech experience – Must possess legal knowledge and have excellent contract negotiation skills.
- Contract negotiation and drafting experience – Must be able to conceptualize issues and analyze proposals to great detail to understand underlying issues.
- Company secretarial & governance – Must understand local and global dynamics of the business environments facing customers.
- Conceptual and Analytical Skills – An in-depth understanding of the laws and regulations relating to fintech technology, data protection and licensing requirements.
- Knowledge of Business Environment – Keeps abreast of available technology; understands applicability and limitations of technology to the work of the office; actively seeks Computer literate with proficiency in MS office.
- Planning and Organizing – Experience in structuring and executing a wide variety of business ventures and projects
Behavioural Competencies
- Excellent planning and organizational skills with ability to breakdown complex items to actionable elements.
- Relate easily and naturally with executives, business managers, technical teams and customers. Has excellent listening skills and understands the desires and challenges of all our leaders and customers.
- Leadership Skills: Team Building and ability to train, develop and mentor staff; Presents new challenges and opportunities to the team to enable them to demonstrate and achieve their full potential; encourages and inspires team learning
- Negotiation Skills: Must be a good negotiator, particularly in changing behavior and work practices but always Win/Win
- Innovative – Creative and adaptive to change. A team player who is supportive of other’s ideas and innovations, collaborates in a culture of knowledge-sharing and team learning to strengthen the organization’s work
- Reliable: Ability to take responsibility and exercise it well. A flexible and “hands on” approach
- Possess broad knowledge of business and has an interest in market trends. Have intricate knowledge of our business: its vision, mission, strategy, values and how it operates.
- Clearly communicate and share the planned cyber initiatives, reports, and risks with executives, business leaders, and stakeholders across the organization – in a manner that leaves them all touched, moved and inspired.
- Self-motivated and self-managing.
- Demonstrate a keen understanding of basic business operations and the organizational levers that drive profitable growth; Understands the operating environment, the customers, competition and how their strategies and tactics work in the marketplace; applies knowledge to develop and execute strategies and tactics to drive business results.
System Fraud Analyst
Job Purpose Statement
System Fraud Analyst role will execute the strategic fraud mitigation plan using continuous improvement principles to generation of Mis, identify fraud trends, complete fraud risk assessments, evaluate fraud management systems and implementation of systems controls
Key Accountabilities (Duties and Responsibilities)
Perspective % Weighting
(to add up to 100%) Output
Financial (20%)
- Monitor systems activities to generate daily, weekly and/or monthly reports identifying trends and or potential fraud activities.
- Ensure management is appropriately informed of all fraud related activities and any significant concerns and provide appropriate mitigation plans.
- Contribute to the development and implementation of Fraud Risk Processes, Systems, Tools, Policies, Standards, and Procedures aimed at optimizing fraud detection and prevention to minimize fraud losses.
- Ensure BAU Operational cost containment
Internal Business processes 50%)
- Lead projects involving fraud management systems implementation that includes developing fraud analysis models to deliver Management Information for fraud detection and prevention.
- Conduct business and technical studies, design, develop, integrate and implement business fraud management solutions
- Review processes and systems for purposes of strengthening internal controls through fraud risk assessment, exception reports reviews and Industry fraud trends and general intelligence reviews
- Contribute to the review of fraud risk assessments, scenario analysis and new product or change initiative assessments
- Support team members and the business in undertaking complex forensic data mining tasks
- Design and implement an effective fraud awareness programs across the business
- Undertake evaluation of the effectiveness of existing fraud risk management strategies, systems and processes and initiate relevant improvements
- Follow up with fraud Management system vendors to maintain the operation of the Fraud system
- Leading ad hoc project work to implement new systems, work processes, technologies and drive adoption of new initiatives.
- Recommend new fraud management tools used for fraud detection, prevention and reporting activities.
- Carry out reviews on all potential fraudulent activities with focus on root causes reviews and follow up on issues closure.
Service Management 15%
- Oversee and coordinate technical activities, and ensure all transactional and administrative documentation is recorded and available for business use.
- Insightful and value adding controls monitoring Collaborate with
- Operational Risk Management team to develop and perform
- Key Risk Indicators reporting.
- Build network with internal and external stakeholders that includes law enforcement agencies, corporate investigators, audit firms, systems vendors among others.
Learning and Growth 15 %
- Undertake other responsibilities as may be assigned by management from time to time.
- Competence development by identifying and communicating training needs that aim to improve personal performance objectives
- Coordinate training to develop and maintain knowledge, skills and capability.
- Foster Team spirit and positive work environment
NCBA Values
- 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 put our customer’s interests at the heart of all that we do. We are proactive, act quickly and resolutely to deliver results. 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.
Ideal Job Specifications
Academic
- Undergraduate degree minimum 2nd class honoursupper division in Computer Science/Information Technology. Added advantage for a candidate with Dbase management and programing knowledge.
- Advanced knowledge in SQL, SAS, R, and Python will be added advantage.
- Exposure to and familiarity with different analytical techniques (Linear and Logistic Regression, Clustering Techniques, Neural Network, Decision Trees, etc.).
- Familiarity with wide array of fraud tools, applications and solutions (FICO, VISA, TSYS Falcon, VRM, CardGuard, Detica, Netguardian etc.)
- Good understanding of CAAT’s (Computer assisted auditing tools) will be an added advantage
- Proficiency in information technology and relevant Information Security Certification i.e. CISSP, CISA / CISM, ISO/IEC 27001 will be an added advantage
Desired Work Experience
- Minimum 3 years of modelling/analytics experience in financial industry.
- Knowledge of the banking core system applications
- Familiarity with wide array of Fraud Analysis tools, applications and solutions.
- Excellent communication (oral/writing) and presentation skills
Technical competencies
- Knowledge of the banking system applications e.g. T24 system, card systems, Credit systems, banking operations etc.
- Methodical approach to investigations with a flair for facts when analysing or extracting (datamining) system information.
- Ability to develop new insights from the available data using scripting languages.
- Professional qualifications in Fraud Risk Management, Systems Audit, Data Analytics, Database Administration and programming
- Exposure to and familiarity with different analytical techniques (Linear and Logistic Regression, Clustering Techniques, Neural Network, Decision Trees, etc.) will be an added advantage
- Familiarity with wide array of fraud tools, applications and solutions (FICO, VISA, TSYS Falcon, VRM, Card Guard, Detica, Netguardian etc.)
- Good understanding of CAAT’s (Computer assisted auditing tools) will be an added advantage
Behavioural Competencies
- Self-empowerment to enable development of open communication, teamwork and trust that is needed to support true performance and customer-service oriented culture.
- Strong interpersonal skills with the ability to interact with all levels of internal and external stakeholders.
- Ability to work under pressure, remain objective and ability to meet deadlines
- Ability to work autonomously with minimal oversight.
- Ability to solve complex problems in a complex environment, translating business problems into recommendations that have measurable business impact.
- Ability to present findings and deliver recommendations to various levels of management
- Ability to analyse system data and exception reports for fraud trends and or in respect to reported computer related transactions or frauds that are now prevalent in the banking industry.
- Analytical and problem solving skills and to recognize non-obvious systems and behavioural activity patterns.
- Ability to perform assigned duties with passion for details, unwavering honesty, a determination to getting the truth, uncompromising approach in attainment of facts and always with bank’s interests over possible personal gains.
Customer Product Advisors
JOB PURPOSE STATEMENT
Responsible for the Sales, Distribution and Marketing of Life Assurance in the Bancassurance business through the development and execution of the strategy for business growth in given areas. The role will drive business growth through active selling to the existing bank customers from various business segments mainly Retail Banking as well as the general public. The role also involves establishing and managing business relationships for business growth and ensuring high customer experience standards are maintained in line with the overall strategic plan.
KEY ACCOUNTABILITIES (DUTIES AND RESPONSIBILITIES)
Revenue and Cost Management (65%)
- Achieve Bancassurance Retail sales targets as per the set out performance targets.
- Ensure retention ratio of 90% of Retail Insurance businesses.
- Execute marketing programs in line with the Bancassurance strategy for business growth
- Sign up new insurance clients sourced from Retail and Workplace Banking.
- Upsell and cross sell insurance to existing customers as per stipulated targets.
- Conduct weekly client visits and prepare respective call reports. At least 3 visits per week.
- Monitoring the insurance market trends and giving continuous feedback to ensure we provide timely solutions and maintain product competitiveness.
Customer Service Excellence (25%)
- Ensure all client documents are dispatched to Finance team within 24hours.
- Ensure payments are collected within 90days TAT.
- Oversee quality control in all aspects of corporate business processing as stipulated in the procedure and product manuals.
- Ensuring that the insurance policies sold to customers match their long-term financial needs by providing effective advice, competitive quotes and ensuring compliance with the rules and guidelines as set by the underwriters and other providers.
- Prepare relevant production / activity reports i.e. Retail and Workplace Banking sales performance reports.
People and Culture (10%)
- Adequacy of personal competence to effectively perform relationship management tasks for Bancassurance.
- Employee Engagement Initiative – Evidence of training/Learning (Internal& External/E-learning – 40 Hrs
JOB SPECIFICATIONS
Academic:
- Bachelor’s degree required
- Certificate of Proficiency required
Desired work experience:
- Two years of related life assurance sales experience.
Branch Manager
JOB PURPOSE STATEMENT
To provide branch and its agencies powerful leadership, team development, excellent customer experience, deliver exceptional branch business growth & profitability.
Responsible for the day-to-day running of the branch, personal involvement and keeping high level of bank operations standards and management controls.
KEY ACCOUNTABILITIES (DUTIES AND RESPONSIBILITIES)
Perspective % Weighting (to add up to 100%) Output
Financial & Business Growth (60%)
- Formulate and implement business strategic initiatives for the branch aimed at increasing new business and share of wallet from existing clients.
- Closely monitor branch business performance and ensure accurate records of the same are maintained and forwarded to the Regional Branch Manager and respective Business Heads.
- Managing branch portfolio risks in line with the bank’s portfolio appetite.
- Collaborate and coordinate the development and implementation of sales initiatives with other business functions such as, Asset Finance, Commercial Banking, Direct Sales Team, Bancassurance and Securities to maximize on cross-selling opportunities.
- Management of borrowing and non-borrowing accounts in the branch to enhance customer loyalty, mitigate against loss and enhance increased business.
- In conjunction with Regional Branch Manager and Products Development, conduct product review and product development through constant feedback from the market.
- Harness existing and create new competencies in order to achieve competitive advantage.
- Continuously conduct market intelligence to identify new markets, customer trends, new government directives and changes in policy by regulators.
- Active management of the non-RM managed accounts.
- Prepare own annual strategy for the branch and review geographical strength to enhance deeper understanding branch and market opportunities.
Internal Controls & Risk Management (10%)
- Ensure all branch controls, processes & procedures are adhered to at all times with the help of the Senior Customer Experience Officer/Relationship Officer. Business Continuity Plan (BCP) implementation and disaster recovery co-ordination
- Ensure that the NCBA bank’s Policies are adhered to at all times when handling different products.
- Ensure branch performance reports are timely & accurate.
- Ensure adherence to all KYC & AML processes with regards to new business and that proper documentation is in place.
- Ensure compliance with Operations Risk requirements to avoid losses arising from operational lapses.
- Manage cheque referral process to ensure timely feedback.
- Ensure all relevant reports are submitted on timely basis.
- Ensure all fees and commissions due to the bank are collected.
- Ensure CDM and ATM reconciliation are done timely and accurately as per laid down bank policies and procedures
- Responsible for strict cost management in the branch i.e. reviewing all service provider quotations before the work can proceed. In addition, the Branch Manager is expected to conduct regular reviews of the following cost elements:
- Staff costs
- Catering & branch costs
- Overtime approvals.
- Equipment maintenance.
- Stationary consumption/telephones etc.
- Sundry losses.
- Security expenses where outsourced
- Ensure that the branch achieves a minimum of ‘Satisfactory/Acceptable’ audit rating through continuous assessment and prompt closure of all audit exceptions sighted.
- Ensure to conduct branch management supervisory checks at all times.
- Ensure Branch custodian duties, being main alternate vault custodian are undertaken as per the laid down branch procedures and policies
Customer Experience (10%)
- Ensure excellent customer experience at all times.
- Contribute to the branch business targets through strict TAT observance and high-level service delivery standards.
- Co-ordinate branch initiatives aimed at gathering feedback from customers on service standards and advise business heads on improvements.
- Appraise and promptly address customer issues /complaints escalating as necessary to ensure timely resolution.
- Ensure there is a robust departmental internal customer satisfaction rating by ensuring the team lives the NCBA bank Values.
- Overall Accountability for in-branch merchandising. Monitor branch premises to ensure high standards of appearance are maintained to project the Bank’s image favourably.
- Engagement with customers and supporting them in times of personal need aimed at developing a strong bond and loyalty.
- Ensure CDM,ATM and all other branch channels uptime meets minimum required threshold as per laid down bank policies and procedures
Brand, product and business proposition: (10%)
- Provide clear direction to branch staff on NCBA Bank business objectives, translating and prioritizing into business performance measures at branch level.
- Understand and provide clear direction to the branch based on market analysis of local area consumer trends and competitor offerings.
- Ensure that merchandising materials are displayed in accordance with guidelines.
- Brief staff on promotional and product launches; provide regular feedback on sales performance.
- Establish relationships with key clients or business influencers in the local area, including client entertainment within budget limits set by the business.
Represent the bank in marketing and brand related activities sponsored by the bank e.g. Hosting Golf tournament
Learning, growth & People Management: (10%)
- Build and develop a high performing and motivated team committed to achieving success. Ensure a good working environment for staff to ensure maximum productivity.
- Set performance objectives and measures of success for direct reports, providing regular feedback from staff appraisal processes.
- Provide leadership to branch staff team by constantly offering training and guidance on the business expectations.
- Help in resource planning, setting performance objective and providing regular feedback on branch performance.
- Manage performance /disciplinary issues/grievances for staff.
- Ensure there is proper succession planning by maintaining an effective leave program and an in-house training schedule for ease of relief due to leave or sickness.
- Ensure the set number of learning/training hours are achieved for self and direct reports, through E-learning and Internal training activities.
JOB SPECIFICATIONS
Academic:
- Bachelor’s degree in a business-related field – Upper second or GPA 3.0.
- Master’s Degree will be an added advantage
Professional:
- AKIB or CPA (K), CSAPs
- Proficiency in computer use including MS Office tools and banking systems
Desired work experience:
- Minimum 8 years’ working experience in a Banking environment
- Proven track record of consistently exceeding set targets.
- Leadership skills
- Excellent Bank product knowledge.
Relationship Manager, Platinum Banking
JOB PURPOSE STATEMENT
To market and sell platinum banking products to existing and potential customers. Provide personalized, prompt and efficient customer services to Personal banking customers whilst managing and controlling the operations of their accounts.
Customer acquisition, satisfaction, growth and retention are critical to succeed in this role.
KEY ACCOUNTABILITIES (DUTIES AND RESPONSIBILITIES)
Perspective % Weighting (to add up to 100%) Output
Financial (70%)
- Achieve the set monthly and annual sales targets for all the
- Personal Banking products.Prospect, anticipate and close all sales leads within the
- shortest time possible in an efficient way.Develop a clear aggressive sales pipeline for both existing
- and potential customers ensuring to file all Call Memo’s with the Segment head and the Branch Manager.
- Prospecting and recruiting new customers for the various Personal Banking products, understanding their needs and requirements and recommending appropriate measures.
- Execute focused relationship management and sales strategies that result in increased revenue, profit, share of wallet and contain PAR within bank guidelines.
- Derive revenue across all products and services offered by the bank.
- Attend relevant industry forums firmly positioning the bank in its target markets and optimizing opportunities for customer acquisition.
- Implementing strategies and programs that achieve set sales and other performance targets as prescribed.
Internal business processes (10%)
- Attend to daily refers and excesses requestsEnsure compliance with operations risk requirements e.g. KYC,
- AML, Health & safety standards, security of Premises.Ensure good health of assigned portfolio by actively
- managing encroachments, Accountability reports and write off.
- Close gaps/lapses identified, take corrective and preventative actions identified by audit, risk and compliance reviews; investigations or other assessment mechanisms within the agreed time frame.
- Prepare and submit reports to the relevant stakeholders within agreed format and timelines (daily, weekly, monthly, quarterly)
- Use of digital workflows and processes to achieve efficient and impactful engagement and accurate delivery of service.
- Use data, information and insights to drive decision-makingProactive management of NPL for assigned portfolio.Achieving a ‘Good’ audit rating for the Platinum Banking
- ensuring prompt thorough closure of all audit exceptions sited.
- Develop growth plans for assigned clients/portfolio.Confirm the growth plans are aligned with the other funds
- before presenting for consolidation into the segment plan.Execute growth plan and monitor realization of the anticipated results.100% adherence to policies, procedures and statutory
- guidelines. Minimize exposure to bank wide risks, enforce zero tolerance to non-compliance with KYC and AML regulations.
- Close gaps/lapses identified, take corrective and preventative actions identified by audit, risk and compliance reviews; investigations or other assessment mechanisms within the agreed time frame.
- Utilize the MIS system for continuous tracking of own performance, monitoring of customer satisfaction and provision of management / statutory reports as applicable.
- Prepare and submit reports to the relevant stakeholders within agreed format and timelines (daily, weekly, monthly, and quarterly).
- Present reports that facilitate informed and sound decision-making. Trends, insights and concerns with recommendations clearly elaborated.
Customer (10%)
- Execute a focused relationship management and sales strategies that will result in increased revenue, profit, share of wallet and contained PAR within Bank guidelines.
- Identifying customer needs not met by existing products and the implementation of new products and services
- Utilize the customer relationship management system aimed at customer acquisition, retention and maximizing on every relationship.
- Develop and continuously review the account plans and customer growth plans.
Outcomes
- Improved customer Relationship Index Improved Experiential Net Promoter score Improved Customer effort score
Learning and growth (10%)
- Conduct periodic trainings to the branch staff on all personal banking products & Services.
- Proactively manage own learning and development.
- Deliver performance objectives set. Institute immediate corrective action where performance is below par.
- Adhere to annual leave plan agreed with line manager.
- Adhere to HR policies.
JOB SPECIFICATIONS
Academic:
- Bachelor’s degree from a recognized and accredited university.
- Master’s Degree will be an added advantage
Professional:
- Customer relationship Management Course
- Certificate of Proficiency in Insurance (COP).
Desired work experience:
- 4-5 years’ working experience in business development roles
- In-depth knowledge of the local banking industry, banking products, banking services
- and banking regulations. Sound working knowledge and understanding of general commercial regulations and practices.
Senior Manager, Ecosystem Acquisition
JOB PURPOSE STATEMENT
The Senior Manager, Ecosystem Acquisition, reporting to the General Manager, Ecosystem & Liabilities will be responsible for growth of the Commercial & SME Banking liability book with a focus on CASA growth. This role will therefore require an entrepreneurial mindset, expertise in marketing and growth management to drive product success, customer engagement and revenue growth and fostering organizational alignment.
KEY ACCOUNTABILITIES (DUTIES AND RESPONSIBILITIES)
Perspective % Weighting (to add up to 100%) Output
Financial (40%)
- Quality portfolio management to ensure that the digital lending recoveries are within the acceptable threshold.
- Support a healthy growth of the Commercial and SME liability book with a bias to CASA.
- Support Go-to-Market plans and operational structures to achieve financial targets.
- Engage the retail sales team to execute a roadmap focused on long-term scalability and development.
- Structure the outcomes of ecosystem financing and prioritize their execution, ensuring alignment among stakeholders to mobilize all organizational resources to achieve the intended value.
- Monitor and assess business performance, implementing measures to drive growth and ensure a return on investment
- Engage essential customers and industry stakeholders to implement initiatives that enhance growth and broaden product penetration and adoption.
Internal business processes (15%)
- Continuously review of partner on-boarding, partner management standards, rules of engagement, governance and quality assurance processes for the ecosystem based on best practice.
- Define engines & procedures to support implementation of ecosystem growth through their lifetime customer journey.
- Constantly collect market feedback and disseminate it to internal teams to drive performance.
- Drive sales efforts to position ecosystem strategy initiatives with our clients.
- Ensure appropriate product governance measures are in place so that product approval documents reflect the Bank’s Credit Policy guidelines at all times.
- Collaborate with Risk Team, Commercial & SME Banking business heads to identify and escalate potential risks to senior management through appropriate governance channels and Quality assurance framework for compliance with Retail Banking requirements.
- Ensure SLA agreements are adhered to, processes in place, reports generated and target achieved.
Customer (30%)
- Create opportunities to engage with relevant partners in a way that generates maximum value for our stakeholders.
- Undertake market research and user research for data analysis that will inform product requirements to build customer-centric products.
Learning and growth (15%)
- Foster collaboration to build, lead and influence key stakeholders to align to one common goal.
JOB SPECIFICATIONS
Academic:
- Bachelor’s Degree in business related field.
- Master’s Degree will be an added advantage
Professional:
- CPA, ACCA, Credit Management, Customer Relationship Management Course.
Desired work experience:
- Above 10 years banking experience in sales, customer service and relationship management, with 3 years’ experience in a similar role.
General Manager Ecosystem & Liabilities
JOB PURPOSE STATEMENT
Ecosystem & Liabilities Head, reporting to Director, Commercial & SME Banking, will be responsible for the implementation and overall ownership of the commercial strategy of the re-imagined digital first lending products and processes targeted at Commercial & SME Banking segments.
The successful candidate will be responsible for developing, maintaining and growing the concept of ecosystem banking that seeks to drive collaboration, innovation and growth. The candidate will be responsible for setting up the strategic partnerships and alliances and will own the performance and outcomes of the emerging technology to offer customized solutions to the target customers. Key responsibilities will include developing linkages between corporate value chain anchors and SME businesses and provide support through structures that enable them to participate and promote growth within the value chain businesses.
The candidate will also be responsible for leadership, strategy and growth of NCBA’s Commercial & SME healthy liability book with a focus on CASA growth that is sticky. Additionally, spearheading business growth through sales force excellence model will be key.
NCBA go getters are thought leaders with a proven track record of success in fast paced environments. This role will therefore require an entrepreneurial mindset, strategic planning skills, expertise in marketing and growth management to drive product success, customer engagement and revenue growth and fostering organizational alignment.
Consider the summarized job purpose below
The Head of Ecosystem Banking, reporting to the Director of Commercial & SME Banking, will spearhead the strategic vision and execution of ecosystem banking initiatives. This role is pivotal in driving the bank’s transformation towards a digital-first, customer-centric ecosystem that fosters innovation, collaboration, and sustainable growth within the Commercial & SME Banking segments.
KEY ACCOUNTABILITIES (DUTIES AND RESPONSIBILITIES)
Perspective % Weighting (to add up to 100%) Output
Financial & Business growth (30%)
Financial Stewardship
- Lead financial planning and performance management to achieve robust growth in the Commercial & SME liability book, with a strong emphasis on CASA growth. Ensure quality portfolio management and optimal financial outcomes for digital lending products.
Market Expansion
- Drive go-to-market strategies and establish operational structures that support financial targets. Empower the retail sales team with a clear roadmap for long-term scalability and development.
Partnership and Collaboration (25%)
Strategic Partnerships
- Establish and nurture strategic partnerships and alliances that enhance the bank’s ecosystem. Focus on developing linkages between corporate value chain anchors and SME businesses to drive mutual growth and innovation.
Stakeholder Engagement
- Engage with key customers and industry stakeholders to implement initiatives that expand product penetration and adoption. Foster collaboration with internal teams to align efforts and maximize value creation.
Governance, Risk Management & operational excellence (15%)
Governance and Compliance
- Ensure robust governance frameworks and quality assurance processes are in place.
- Collaborate with the Risk Team and other stakeholders to identify and mitigate potential risks, ensuring compliance with banking regulations and policies.
Operational Excellence
- Continuously review and enhance partner onboarding, management standards, and operational procedures to support ecosystem growth and customer journey optimization.
Customer-Centric Focus (20%)
Customer Engagement
- Develop and execute strategies that prioritize customer needs and enhance customer experience. Leverage market and user research to build customer-centric products that meet evolving market demands.
Data-Driven Decision Making
Utilize data analytics to inform strategic decisions, drive performance, and achieve a high return on investment.
Leadership and Team Development (10%)
Team Leadership
- Build, lead, and inspire a high-performing team dedicated to the ecosystem’s commercial strategy. Foster a collaborative and inclusive work environment that encourages innovation and excellence.
Organizational Alignment
- Ensure alignment of team objectives with the bank’s strategic goals. Promote a culture of accountability, continuous learning, and professional growth.
JOB SPECIFICATIONS
Academic:
- Bachelor’s Degree in business related field.
- Master’s Degree will be an added advantage
Professional:
CPA, ACCA, Credit Management, Customer Relationship Management Course.
Desired work experience:
- Over 12 years of banking experience in sales, customer service, and relationship management.
- At least 5 years of experience in Ecosystem Banking Management.