Reporting To: Retail Director

Overall Job Purpose

The Head of Digital Business will be responsible for driving uptake of digital products, building partnerships that allow the bank to scale uptake of digital products and drive bank customer acquisition through our digital platforms.

Principle Accountabilities

• Partner with branch, and sales team network to generate sales.
• Engage target partners to drive uptake.
• Develop strategies to target customers through social media channels.
• Meet revenue and balance sheet objectives.
• Demonstrate a good understanding of emerging digital trends.
• Conduct research to identify new markets and customer needs
• Constantly engaging signed up partners
• Coordinate with the customer service team
• Own senior management relationships in partner organizations.
• Work with partner organizations to assist them reach their objectives
• Stay abreast of Client’s industry trends .
• Improve internal processes .
• Recommend areas that can generate additional sales .
• Manage fraud risk.
• Provide leadership to the team.
• Ensure the team is digitally equipped

Minimum Qualifications, Knowledge and Experience

• A business/IT related degree from a reputable institution, Masters’ degree is an added advantage.
• At least 5 years’ experience in product management experience in banking or telco ; 2 years of which should be at Senior Management level.
• Experience in working with large data sets and analytics expertise will be an added advantage
• Experience in digital sales and social media marketing will be an added advantage
• Experience in managing agent relationships will be an added advantage

Key Competencies and Skills

• Innovation and change management:
• Knowledge of Banking and Business Operations
• Good decision making and problem solving skills
• Commercial Awareness
• Results and Achievement Oriented
• Good Selling and Negotiation Skills
• Good leadership & Interpersonal Skills
• Flexible and adaptable

Reporting To: Manager Retail Credit

Overall Job Purpose

The Credit Evaluation Officer will be responsible for appraising all loan applications from the business by ensuring only viable applications are recommended for approval in line with the Lending policy

Principle Accountabilities

• Giving feedback on loan applications to facilitate decision making for purposes of adoption or decline.
• Appraising borrower information to determine ability to service the loan for purposes of adherence to the Lending policy.
• Preparation of the Loan approval memo to the Lending Committee for approval and adoption or decline.
• Updating and production of reports for monitoring and control to meet the expected Turn around Time.
• Monitoring branch loans and overdrafts performance to ensure minimum delinquency.
• Preparing credit and debt management reports/return

Minimum Qualifications, Knowledge and Experience

• Minimum of 4 years’ experience in banking and financial analysis 2 of which must be credit department or credit related area.
• A Business related University Degree i.e Economics, Commerce or Business Administration.
• Credit Management,Accounting or Banking Qualification (AKIB)
• CPA qualifications

Key Competencies and Skills

• Corporate Competence: Working knowledge of the Bank’s products, the Bank’s Credit policy and CBK Prudential Guidelines.
• Financial analysis Skills: Ability to analyze and/or interpret financial statements, and advice accordingly.
• Analytical business and investment appraisal Skills: Keen to detail and able to conceptualize financial investment proposals and provide viable solutions.
• Technology Skills: Computer literate with proficiency in computerized financial analysis applications.
• Industry knowledge: Candid knowledge of the various sectors of the economy and the investment opportunities.
• Goal driven and results oriented: enjoys being measured and judged by financial and other performance targets.
• Personal Ethics: Must be honest, fair and just with self and others, and demonstrates integrity in work and business contacts.
• Communication Skills: Excellent written and verbal communication skills and presentation skills.
• Interpersonal Skills: Must be a people’s person, with ability to interact with key contacts in finance sector.
• Proactive Initiator: Must be pro-active, a self-starter and have the ability to see, grasp and advice on opportunities.