Latest Vacancies at SBM Bank

Data, Business Analysis and AI, Finance, Accounting, Audit, Banking  , Customer Care,

Officer, Research Analyst

JOB SUMMARY:

Responsible for provision of timely and accurate business and management intelligence through data analysis.

KEY RESPONSIBILITIES: 

Financial: 60%

• Extract data from multiple sources and organize it in a proper format that can be easily understood.
• Convert the raw data into structured data by resolving the errors in the data, removing irrelevant data, and identifying the potential data.
• Assist in creating, updating, and reading of databases.
• Make sure that the data collected from multiple sources is relevant to the business.
• Provide analysis of trends and forecasts.
• Prepare and share daily, weekly, monthly, and ad hoc reports to the respective stakeholders.
• Coordinate with product development teams to convey the necessary information related to the data.
• Maintaining data and information security.
• Troubleshoot issues related to information, reports, and databases.

Customer & Markets: 20%

• Preparation and submission of daily, weekly, monthly or adhoc data or information reports.
• Respond to any queries raised by the users in regards to the data or information submitted.
• Engagement with stakeholders to interpret and report results of data analysed.

Operational & Sustainability: 20%

• Ensure Compliance with data protection laws and regulations.
• Maintain confidentiality of data and information.

KEY RELATIONSHIPS:

Direct Reports to this position:

• N/A

Customers of this position:

•  Manager Research, Data & Analytics
• Head of Strategy, Research, Data & Analytics
• Business Teams
• Head Office Teams
• External & Internal auditors

KNOWLEDGE, SKILLS, AND EXPERIENCE REQUIRED FOR THIS ROLE:

Job Knowledge:

• Financial Analysis
• Mathematical Skills
• Basic banking principles and practices
• Best industry reporting practices

Experience and education:

• Minimum 1-year experience working in a Finance Department of an organization in the Financial & Insurance sector.
• Experience working as a Data Analyst
• Bachelor’s Degree in a business related field or Computer Science
• Experience in preparing data using Microsoft Excel or Google Sheets

Competencies required for this Role:

• High level of accuracy and attention to detail
• Strong analytical skills
•  Proficient in spreadsheets
• Excellent interpersonal, communication and problem-solving skills
• Proven work experience in a similar role

Manager, Credit Audit

JOB SUMMARY:

The overall purpose of this role is to independently enable the board determine whether the credit risk management process is working effectively. The role is responsible for carrying out audit reviews for the various credit functions within the bank.

KEY RESPONSIBILITIES:

Strategic Management – 30%

• Regularly identify key processes of risk within credit processes in order to offer an overall opinion on the organization’s risk management, control and governance arrangements over credit processes.
• Develop risk–based annual audit plans detailing the scope, nature and timing of audit activities for credit processes for Board Audit Committee approval.
• Oversee implementation of the approved Credit Audits plan and propose adjustments to the plan if needed in response to changes in business risks, operations, programs, systems and controls.
• In liaison with the other Internal Audit Clusters and the Head of Internal Audit, participate in the preparation of Group, Management and Board papers capturing the key risk parameters as agreed on.

Leadership – 30%

• Participate in the process of attracting, hiring, and retaining a team of high-performing audit professionals who possess outstanding knowledge, experience, ethics, and integrity.
• Coach, develop and mentor team members in all aspects of the audit methodology also ensuring they are equipped with modern skills and tools.
• Review performance of the team within credit cluster guiding them on effectiveness and conformance to professional standards.

Internal Audit & Continuous Improvement – 20%

• Establish and maintain key relationships throughout the organization as a means of obtaining information needed to perform functional duties, provide advisory service and to provide strategic recommendations.
• If required, liaise with External Auditors, Group Staff and Central Bank Inspectors and facilitate provision of required information.
• Proactively engage various head of departments and respective EXCO Members responsible for credit processes to highlight recurring audit observations or long outstanding recommendations not implemented and agree on the required management actions.
• Ensure Internal Audit reports circulated are clear, concise, identify root causes with practical solutions, and ultimately provide value to management.

Operations and Sustainability – 20%

• Responsible for the overall work quality of the Credit audit unit, which includes identifying opportunities for audit process improvement and updating the unit’s quality assurance standards in accordance with established professional standards.
• Ensure the team remains abreast of emerging trends and best practices in internal audit that can be incorporated into the Credit Audit function.
• Drive automation where needed and optimization of existing technology to improve audit efficiency and effectiveness.

KEY RELATIONSHIPS:

Direct Reports to this Position

• Officers, Internal Audit.

Customers of this Position

• All staff- Credit management
• Business teams- Lending
• All Staff (Internal Audit)

KEY COMPETENCIES:

Knowledge; Skills and Experience required for this Role

Job Knowledge

• Industry banking practice and products & services
• Internal Audit Professional Standards – International Professional Practices Framework (IPPF)

Job Experience

• Working experience of at least 10 years in a banking environment with at least 3 years in a busy Internal Audit department at a managerial level.

Education

• University degree in business, preferably in Accounting or Finance from a recognized University.
• Professional certificates; CPA, ACCA, CIA, CISA etc.

Skills required for this role

• Data gathering, analysis and interpretation.
• Excellent communication skills – verbal and written.

Competencies required for this Role

• Leading and Supervising
• Persuading and Influencing
• Deciding and Initiating Action
• Presenting and Communicating Information
• Planning and Organizing

Service Recovery Officer

JOB SUMMARY:

The purpose of the Service Recovery Officer (Back Office) is Handling and Investigations of Customer queries and ensuring that the escalated cases logged on CRM are duly tracked and closed with constant update to customers, with effective and utmost level of consistency and quality to all customers.

KEY RESPONSIBILITIES:

Customer Service – 60%

• Analyze, investigate and follow up on customer complaints/issues to full closure in liaison with responsible units, while keeping Customers regularly updated
• Maintain high level of product knowledge sufficient to customer issue resolution
• Actively represent the customer throughout the organization, highlighting trends, suggesting and implementing improvements and feeding back to team mates.
• Use sound judgment and take decisions that will meet customer expectations while striving to achieve win/win outcome for the Customer and the Bank.
• Ensure that cases are duly investigated and closes within the stipulated TAT.
• Takes 100% ownership of every situation with a customer, ensuring that the issues are resolved to the client’s satisfaction.
• Identifying opportunities for client-centric process improvements based on the outputs of Root Cause Analysis (RCA)
• Update customer interactions on CRM and any other systems created for the fulfillment of the work as stipulated by the immediate supervisor
• To help identify service gaps and give feedback on necessary corrective measures
• Provide support to all touch-points and Customer Service units in the bank (Branches, Head Office Units and subsidiaries) to meet Customer expectations
• Tracking of generated sales leads and ensuring completion for an enriched customer relationship.
• Effective time and stress management of self during shift.

Business Process – 20%

• Identify opportunities to push the Bank’s products and services by customarily requesting inward customers for stretched business and referrals, to aid in the proceeding with business growth of the Bank.
• Ensure accessibility and adherence to shift management and break scheduling.
• Drive profitable volume growth by growing existing customer relationships and making new affiliations.
• Actively participate in weekly coaching sessions and implement corrective actions identified by QA analyst.
• Continuously explore ways to improve the efficiency and effectiveness of service to enhance customer satisfaction and loyalty.

Audit and Compliance – 10%

• To ensure compliance of Customer Experience Policy, Customer Service Standards, Contact Centre Operations, all bank processes and procedures by self and team – including Prudential Guidelines, RCSA findings, Internal Audit recommendations; provide constant education and escalation as required
• Comply with respective KYC, KYP and KYT procedures and be alert at all times to unusual or possibly suspicious activity, and report to the Manager.

Personal Development – 10%

• Strives to continually improve personal performance in order to achieve team and departmental SLA’s and KPI’s.
• Takes responsibility for continuous self-development and own learning.
• Works as part of a team and supports colleagues.

KEY RELATIONSHIPS:

Customers of this Position

• External Customers
• Contact Centre officers / supervisors
• Quality Assurance Team leader
• All departments of the bank

Knowledge; Skills and Experience required for this Role

• Bachelor’s degree in any discipline with a minimum of second class honors upper division or equivalent.
• Minimum B- in KCSE or equivalent
• Good Communication Skills (written and verbal)
• Minimum 1 year working within a customer service environment
• Customer service management processes and procedures
• MS proficiency – Excel, PowerPoint, word etc.

Competencies required for this Role

• Delivering Results and Meeting Customer Expectations
• Entrepreneurial and Commercial Thinking
• Working with People
• Relating and Networking
• Persuading and Influencing
• Achieving Personal Work Goals and Objectives
• Deciding and Initiating Action
• Planning and Organizing Analytical Skills
• Adhering to principles and values
• Presenting and communicating information
• Following Instructions and Procedures

Data Protection Officer

Job Purpose

To establish and maintain the Bank’s Data governance framework and ensure the personal data of Bank staff, customers, service providers or any other individuals (also referred to as data subjects) is handled in compliance with Data Protection Act, 2019 and any other applicable data protection rules.

KEY RESPONSIBILITIES

 LEADERSHIP AND STAKEHOLDER MANAGEMENT (30%)

• To seek, develop and maintain relationships with the Office of the Data Protection Commissioner, relevant Regulators, and other key stakeholders.
• To assist and guide staff & Management in responding to enquiries or requests from Regulators (ODPC), data subjects and other stakeholders as appropriate.
• To organize and participate in the training and awareness programs for Staff on the relevant Data Protection & Privacy requirements and obligations.
• To promote a culture of Data Protection & Privacy by design and by default in the Bank.

OVERSIGHT COMPLIANCE WITH ALL DATA PROTECTION & PRIVACY AND RELATED REQUIREMENTS (50%)

• To develop, review and maintain data protection policies and procedures.
• Act as the primary point of contact within the Bank for members of staff, regulators, and any relevant public bodies on issues related to data protection.
• Act as the public-facing function representing the interests of Data Subjects as well as supervise and advise the Bank on the response to such request.
• To develop and maintain a mapping of Data processing points in all Bank’s operating areas.
• To ensure Data Protection & Privacy policy availability by publishing on the Intranet for employees and independent contractors to access and providing it to all contracted third parties (processors) who process personal information on the Bank’s behalf or in terms of a contractual agreement with SBM Bank (Kenya) Limited.
• To manage third party data protection risks.
• To monitor and ensure compliance with the Data Protection laws and policies of the Bank as outlined by the regulator.
• Overseeing the maintenance of records required to demonstrate data protection compliance.
• To research and keep abreast of any changes to relevant laws and regulations and prepare regular updates to management and the Board.

REPORTING (20%)

• To prepare regular update reports on the Data Protection compliance program to Chief Risk Officer and Management Committee and/or those of relevant stakeholders.
• Support Chief Risk Officer in preparation of Board Update reports on Data Protection & Privacy compliance program.
• Supporting data incident response and data breach notification procedures.
• providing updates on matters related to compliance with statutory and regulatory requirements. 5. To facilitate the provision of ad-hoc reports and or information to the regulators as and when required.

KEY RELATIONSHIPS

Direct Reports to this Position

• Data Protection & Privacy Compliance Champions – Indirect reports

Key Internal Stakeholders

• Board Risk Committee (BRC)
• Executive Management Committee (EXCO)
• Operational Risk Committee (ORCO)
• Chief Risk Officer
• Project Management Office
• ICT
• Legal
• HR
• Branch Managers
• Heads of Department

Knowledge: Skills and Experience required for this Role

• Minimum three (3) years’ experience within ICT, legal, audit and/or risk function.
• Sound working knowledge of the Data Protection Act, 2019 and other relevant and applicable laws, regulations.
• Minimum of a Bachelors’ Degree.
• Experience in developing policies and compliance training.
• Experience working in a financial and/or regulated industry, handling privacy company data.
• Experience in reviewing financial institutions’ contracts with third parties.
• Good understanding of data processing operations, including information systems, data security and data protection needs of an institution.
• Experience in managing data incidents and breaches.
• Professional Data Protection and/or Privacy certification will be an added advantage.

Competencies required for this Role

• Ability to work unsupervised, exercise leadership, and influence change.
• Excellent writing and presentation skills.
• Strong change and project management skills, including the ability to manage time well, prioritize effectively, and handle multiple deadlines.
• Demonstrated ability to undertake large, long-term projects, develop alternative methods to complete them, and implement solutions.
• Ability to use independent judgment and discretion when making majority of decisions.
• Detail-oriented approach needed to recommend and implement strategic improvements on a range of data privacy and data protection issues.
• Ability to handle confidential and sensitive information with the appropriate discretion and ethics.
• Leadership-Ability to lead a team and engage with Management.
• Ability to prepare and facilitate training as a Subject Matters Expert (SME)
• Planning and Organizing.
• Learning and Researching
• Critical thinker with good analytical capabilities

Manager, Corporate Credit Approvals

Job Purpose

Lead the Corporate credit analysis unit in assessing credit applications ensuring compliance with all Credit policy and underwriting standards. The broad objective further entails support of Corporate book growth within acceptable PAR tolerance levels to ensure the book remains profitable while the bank becomes a market leader in this segment.

KEY RESPONSIBILITIES

Financial Perspective  (25%)

• Execute Credit underwriting function in line with Bank Credit Strategy and the overall Bank growth strategy.
• Review and Recommend modifications in the Credit Policies and Credit Procedures Manual as new processes are identified or as processes are modified.
• Ensuring quality reviews of credit proposal within best practice and banks policy Ensure credit risk exposures are managed within the established limits. appetite and standards.
• To support branches under partnership arrangement and ensure utmost and enhanced approval rate.

Customer and Markets (25%)

• Undertake timely review of credit application within stipulated turnaround time.
• Oversee daily review loan workflow in the system (when available) to assess the number of loan applications received, the turnaround time of every step in the process e.g., analysis/approvals of TODs, Credit applications, Waivers, Early Draw Downs etc. etc.
• Conduct random review of the credit files to make sure that prescribed standards being adhered to.
• Providing input for the development and review of credit process and related credit projects/credit products.
• To undertake branch visits and client visits as per business needs.

People Management (25%)

• Evaluate the performance of the staff in the unit.
• Maintain good coordination between the Credit Approvals, other credit units, Legal department, business development team and Head of Credit.
• Ensure commensurate training of all Credit analysis staff in new or modified credit procedures, forms, credit policies.
• Prepare the annual performance unit agreements to be presented to the Head of Credit for integration into the bank’s overall annual plans.

Sustainability (25%)

• Credit Policy Manuals, Departmental Operating Instructions, prudential guidelines and SLAs.
• Banks Anti Money Laundering Policies and Procedures in conformity with defined standards and guidelines
• Other internal and external regulatory requirements

KEY RELATIONSHIPS

Direct Reports to this Position

• Credit Analysts

Knowledge; Skills and Experience required for this Role

• 5 years’ experience in banking and at least 5 years in a lending function
• Bachelor’s degree in an Analytical/Business related field
• MBA or MSc. in business related course.
• CPA or relevant professional qualification.
• Excellent Communication skills.
• Experience in Credit Evaluations including Complex Credit and Structuring

Competencies Required for this Role

• Experience or sound understanding of credit risk and the techniques of financial analysis.
• Knowledge of relevant lending products.
• Strong credit analytical skills including business plan analysis, numerical and financial analysis and interpretation.
• Key understanding of regulatory and legal environment

Manager, SME Credit approval

KEY RESPONSIBILITIES

Financial Perspective (25%)

• Execute Credit underwriting/approvals function in line with Bank Credit Strategy and the overall Bank growth strategy.
• Review and Recommend modifications in the Credit Policies and Credit Procedures Manual as new processes are identified or as processes are modified.
• Ensuring quality reviews of credit proposal within best practice and banks policy Ensure credit risk exposures are managed within the established limits appetite and standards.
• To support branches under partnership arrangement and ensure utmost and enhanced approval rate.

Customer and Markets (25%)

• Undertake timely review of credit application within stipulated turnaround time
• Oversee daily review loan workflow in the system (when available) to assess the number of loan applications received, the turnaround time of every step in the process e.g., analysis/approvals of TODs, Credit applications, Waivers, Early Draw Downs etc. etc.
• Conduct random review of the credit files to make sure that prescribed standards being adhered to.
• Review and sign all Credit Approvals loan reports prior to distribution for accuracy and completeness.
• Providing input for the development and review of credit process and related credit projects/credit products 6. To undertake branch visits and client visits as per business needs.

People Management (25%)

• Evaluate the performance of the staff in the unit.
• Maintain good coordination between the Credit Approvals, other credit units, Legal department, business development team and Head of Credit
• Ensure commensurate training of all Credit Approvals staff in new or modified credit procedures, forms, credit policies.
• Prepare the annual performance unit agreements to be presented to the Head of Credit for integration into the bank’s overall annual plans.

Sustainability (25%)

• Credit Policy Manuals, Departmental Operating Instructions, prudential guidelines and SLAs.
• Banks Anti Money Laundering Policies and Procedures in conformity with defined standards and guidelines.
• Other internal and external regulatory requirements.

KEY RELATIONSHIPS

Direct Reports to this Position

• Credit Analysts/Approvers.

Knowledge; Skills and Experience required for this Role

• 5 years’ experience in banking and at least 5 years in a lending function
• Bachelors degree in an Analytical/Business related field
• MBA or MSc. in business related course.
• CPA or relevant professional qualification.
• Excellent Communication skills.
• Experience in Credit Evaluations including Complex Credit and Structuring.

Competencies Required for this Role

• Experience or sound understanding of credit risk and the techniques of financial analysis
• Knowledge of relevant lending products
• Strong credit analytical skills including business plan analysis, numerical and financial analysis and interpretation
• Key understanding of regulatory and legal environment

Problem Solving

• Analytical and methodical
• Decision making
• Organization.

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