Manager, CSME Recoveries at NCBA Group
Job Purpose Statement
To maximize recoveries within the SME/Business Banking
Segment of the bank by setting and implementing appropriate recovery strategies
in line with the Bank’s Remedial Management Process and Procedures.
This is designed to minimise loss on the impaired bank assets and ensure
focused attention and close monitoring of the performance of the non-performing
loans portfolio of the bank. The guiding strategy is returning the accounts to
performing status, recovery or total exit.
Ideal Job Specifications
Academic:
- University
degree with a Second Class Upper /GPA 0f 3.00 and above or equivalent.
Professional:
- Relevant
professional qualification in banking, risk management and law an added
advantage
Desired work experience:
- At
least 7 years work experience in a bank or financial services institution
in a similar role
Portfolio Manager at NCBA Group
Job Purpose Statement
- We
are seeking a dynamic and results-driven Credit Portfolio Manager to join
our Credit Risk Division. The role is central to safeguarding and
enhancing the quality of the loan book across Corporate Banking,
SME/Business Banking, and Consumer Banking.
- The
Portfolio Manager will oversee portfolio performance, credit risk
analytics, IFRS 9 compliance, and strategic reporting, while driving
innovation and process excellence. Working closely with senior leadership
and business teams, the role ensures proactive risk management, alignment
with regulatory and Group standards, and sustainable portfolio growth.
Job Specifications
Academic Qualifications:
- University
degree (Upper Second Division or equivalent) in Finance, Business,
Economics, Statistics or a related field.
Professional Qualifications:
- Relevant
professional qualification in Banking, Accountancy, Credit Risk
Management, or Financial Analysis (e.g., CFA, CPA, FRM).
- Additional
certifications in data management, data analytics, or related IT programs
are a plus.
Desired Work Experience:
- Minimum
of 5 years’ experience in the banking sector, with at least 3 years in
portfolio analysis or credit risk management roles.
- High
level proficiency in IFRS 9 Modelling (at least 2 years’ experience)
- Demonstrated
experience in financial analysis and credit portfolio management.
- Proven
ability to develop collaborative relationships with key internal
stakeholders to achieve objectives and prioritizations
- High
proficiency in spreadsheet tools (e.g., Excel) and in presenting data
effectively.
Senior Relationship Manager at NCBA Group
Job Purpose Statement
To participate in the profitability of the Bank through
provision of exemplary Relationship Management to Custodial clients while
ensuring compliance with regulatory requirements as well as continuous research
and implementation of custodial best practice, both nationally and
internationally.
- The
role holder delivers first class service against agreed service standards
and builds relationships and rapport with custody clients. The role holder
is also responsible for building trusted and valued partnerships with
custody clients at the daily transactional and operational level.
Ideal Job Specifications
Academic Qualifications:
- A
University degree or equivalent
Professional Qualifications:
- Investment
Administration Qualification (IAQ), Regulation & Compliance Course,
Bonds and Fixed Income Markets Course. Associate of the Chartered
Institute of Bankers (ACIB) qualifications will be an added advantage.
Work Experience:
- Minimum
3-5 years’ experience in banking particularly securities services
(custody, Fund Administration), including at least 5 years in a similar
role.
- Prior
management experience a plus
Manager, Fraud Risk Management at NCBA Group
Job Purpose Statement
The position is responsible for the bank’s Fraud Risk
Management Programs. This includes, Fraud risk assessment reviews, MIs and
exception reports reviews, aggregate & residual fraud risk reporting,
providing assurance that fraud risk adheres to approved risk appetite and
providing industry guidance/reporting around emerging fraud risk threats and
trends, conducting fraud risk awareness campaigns and training. Key areas of
focus is to assist businesses with implementing initiatives & processes to
minimize fraud losses.
Job Specifications
Academic:
- Undergraduate
degree – minimum upper 2nd class honours and added advantage for a person
with the following disciplines: Computer Science/Information Technology,
Finance/Accounting, Economics, Actuarial Science or Criminal Justice.
Professional:
- Proficiency
in information technology T24 is a must
- Professional
qualifications in Fraud Risk Management in banking or Insurance, Systems
Audit, Data Analytics 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
- Familiarity
with wide array of fraud tools, applications and solutions
- Good
understanding of CAAT’s (Computer assisted auditing tools) will be an
added advantage
Desired Work Experience
- Minimum
5 years of analytics experience in financial industry or Financial Crime
Risk Management or risk operations.
- Familiarity
with wide array of banking Fraud Analysis tools, applications and
solutions.
- Excellent
communication (oral/writing) and presentation skills
- The
ability to identify, assess, monitor, control and mitigate fraud risks
i.e. excellent analytical skills.
- Ability
to develop and implement critical Fraud Risk Assessment, Testing and QA
programs.
- Awareness
and understanding of the wider business, economic, market environment and
regulatory framework in which the NCBA Bank operates
Claims Analyst at NCBA Group
Job Purpose Statement
To analyze and process claims efficiently in accordance with
insurance contract terms and established company policies and standards. The
role focuses on verifying claims, analyzing claims
data, determining entitlements, validating claim legitimacy, negotiating
settlements, and adhering to NCBA Insurance’s Claims best practices to
ensure timely and efficient claims processing
Key Accountabilities (Duties and Responsibilities)
Claims Management
- Assist
in processing claims accurately and in a timely manner as per agreed
Service Level Agreements.
- Assist
in reviewing documents and pertinent requirements regarding an insurance
claim to establish liability.
- Assist
in advising claimants on basic matters about their insurance coverage in
relation to the insurance claim.
- Respond
to both internal and external claim-related inquiries.
- Review
files for continuing adequacy of reserves under the guidance of the claims
manager.
- Review
all files for Key Fraud Indicators and refer identified cases to the
Special Investigation Unit.
- Assist
in initiating recovery and refer such matters to the subrogation officer.
- Assist
in initiating claims payment to policyholders as per NCBA Insurance’s
service level agreements.
- Maintain
active diary system for all active files and provide regular updates to
customers
- Capture
and maintain accurate data to ensure data integrity.
- Archive
all claims correspondences in core system for future reference.
Operational/Compliance
- Adhere
to internal Service Level Agreements and Claims Quality Assurance
requirements to ensure operational efficiency and achievement of agreed
service standards.
- UpholdEnsure
adherence to audit requirements.
- Ensure
adherence to regulatory and compliance requirements.
Customer Service
- Focus
on providing delightful customer service and explain to them any areas
that are not understood.
- Educate
the customer on the claims engagement and ensure customer fully
understands the process.
- Follow
up on customer feedback and action appropriately
Academic:
- Bachelor’s
Degree in business or related field.
- Preference
will be given to candidates with evidenced progress in achiving a Diploma
in Insurance.
Work experience - At
least 2 years’ experience in an active insurance
- Proven
ability to perform well under pressure and regularly meet strict deadlines
a fast-paced
environment
Assistant Manager, Operational Risk Management at NCBA Group
Job Purpose Statement
Responsible for implementation of risk and compliance
frameworks, take charge of risk identification, assessment and mitigation
strategies. Ensuring these aspects are embedded into the operations of the Bank
in consultation with the Head, Operational Risk Management.
Performing independent reviews on compliance with the bank’s
laid policies and procedures assess adequacy of risk management controls,
observance of regulatory requirements and highlight exceptions or
violations.
Key Accountabilities (Duties and Responsibilities)
Perspective
% Weighting (to add up to 100%)
Output
Financial 10%
- Responsible
for supporting the achievement of profitability of the Bank through
management/ cost savings of set departmental budgets
Internal business processes 80%
- Implement
and embed the Operational Risk Policy and processes for defining,
assessing, measuring, monitoring and reporting operational risks for the
various business and support areas in consultation with supervisor
- Maintain
and monitor an Operational Loss Database to monitor operational losses and
their respective root causes.
- In
consultation with supervisor, develop and implement an extensive staff
training plan and awareness program to promote a strong culture of sound
risk management and compliance within shared services and
subsidiaries.
- Identify
and document critical business risks, processes, and controls to be
assessed in collaboration with business unit management within the shared
services and subsidiaries.
- Actively
collaborate with the “first line of defense” (business areas) e.g. for
risk identification and analysis, to create risk metrics and in designing
mitigation solutions. In addition, define “key” risk metrics for
operational risk within the Business and Support functions.
- Create
senior management reports and summaries presenting metric and dashboards
to highlight key operational risk issues, trends and potential impacts.
Ensure reports adhere to requirements of operational Risk policy.
- Coordinating
the implementation of Risk & Control Self-Assessment (RCSA) framework,
Key Risk Indicators (KRIs) and tools across the various Business and
Support units. Participate in various business projects and
contribute to their success as may be assigned by the supervisor. Play an
active guidance role on Operational Risk matters in products, projects or
developments. Carry out a risk review of new key projects and
products.
Customer 5%
- Drive
customer satisfaction through adherence of set SLAs and issuing
stakeholders timely feedback
Learning and growth 5%
- Responsible
for delivering the performance objectives set and managing his/her own
learning and direct reports
- Development
to build capacity and avail him/herself for coaching and training
opportunities.
- Ensure
optimal utilization of risk resources.
- Implement
a succession plan for the sub-unit
Job Specifications
Academic:
- A
University graduate.
Professional:
- A risk
related professional qualification
- CPA
(K), ACCA qualifications is an added advantage
Desired work experience:
- At
least 6 years working experience in banking environment, with sound
exposure to Bank Operations, Regulatory and Compliance requirements.
- At
least 4 years’ working experience in Enterprise Risk environment and
execution in Operational Risk
Head of Research at NCBA Group
Duties and Responsibilities
Output
- Research
40% Strategic Development: Contribute to the development of IB research
strategy, including determining optimal report frequency, coverage scope,
and distribution channels
- Research
Production: Deliver high-quality, commercially viable research products
for dissemination across all company platforms and client touchpoints
- Investment
Identification: Proactively identify and analyze investment opportunities
tailored to IB client portfolios and risk profiles
- Analytical
Support: Provide specialized analytical research and market insights to
support broader banking operations and strategic initiatives
- Advisory
Collaboration: Partner with the advisory NCBA Investment Bank – Head of
Research team to support client pitches, transaction processes, and
strategic engagements through research-driven insights
- Customer
30% Stakeholder Engagement: Build and maintain strong relationships with
key investors, including institutional clients and high-net-worth
individuals (HNWIs)
- Corporate
Relations: Establish and nurture robust relationships with management
teams of companies under research coverage
- Market
Engagement: Collaborate with the brokerage team to plan and execute
regular roadshows, presenting investment themes and company-specific
opportunities to target audiences
- Cross-Functional
Partnership: Foster close collaboration with IB teams and broader bank
divisions to ensure research outputs align with organizational objectives
and customer needs.
Internal Business Processes
- 20%
Quality Assurance: Establish and maintain rigorous quality standards to
ensure all research products meet high quality and quantitative benchmarks
while remaining relevant and responsive to current market conditions.
- Learning
and growth
- 10%
Team Development: Assume full responsibility for the existing research
team, developing and implementing a comprehensive strategy to upskill,
train, and mentor team members to enhance their analytical capabilities
and professional growth.
- Self:
Assume full responsibility for own training both formal and on the job.
- Ensure
compliance with the ICIFA annual training requirements
- Achieve
NCBA Group Learning Hours’ objectives
- Practical
experience in use of MS Office applications.
- Practical
experience in financial modelling.
Read More & Apply
Business Process Architect at NCBA Group
Job Purpose Statement
The Business Process Architect role is to raise the level of
efficiency and effectiveness of the implemented process initiatives; to offer
specialized services and support in process management and automation.
Key Accountabilities (Duties and Responsibilities)
Perspective: Financials
% Weighting: 10%
Output: Designs and collaborates
various teams to track metrics and key performance indicators for each process
improvement project.
Perspective: Internal business processes
% Weighting: 60%
Output:
- Analyse
process improvement projects and initiatives.
- Analyse
and develop solutions that facilitate continuous productivity, capacity,
and quality improvement across all dimensions.
- Conduct
proactive and consistent research to identify process improvement
opportunities including areas of focus, scoping of the project,
prioritization, key deliverables, and successful outcomes.
- Create
business architecture models demonstrating how products, operations, and
systems interoperate within the organization.
- Conduct
analysis to determine the best path for solving business
problems/opportunities that may include process improvement, systems
enhancement, user training, and/or software procurement.
- Ensure
solutions developed across the organization are aligned to the Bank’s
architecture standards and principles, leverage common solutions and
services, and meet financial targets (cost and benefits).
- Provide
overall direction, guidance, and definition of business architecture to
effectively support business strategy.
- Apply
and utilize business modeling methods to ensure results-oriented
deliverables in a way that can be reconstructed and used as a corporate
knowledge resource available to project-level initiatives and
decision-making.
- Act as
a subject matter expert in the development of business architecture
framework development, tool suite selection and design, and methodology
development.
- Partner
with the IT architecture team in developing an IT framework that aligns
with the business plan.
- Function
as a liaison to Business and IT partners to gain a broad understanding of
industry trends and innovations, and their impact on technology.
- Lead
the effort to work with business leaders to identify business capability
needs and prioritization.
- Lead
the effort to identify and document capability and initiative needs and
strategic prioritization into business architecture deliverables
(roadmaps, etc.).
- Provide
architectural oversight of projects; ensure requirements are in alignment
with business strategies and business architecture roadmap/framework.
Perspective: Customer
% Weighting: 20%
Output:
- Manage
relationships with business partners and sponsors to help them understand
business cases and to foster a culture of continuous improvement across
the Bank.
- Build
and maintain positive working relationships with all levels of staff,
External Vendors, and serve as a resource for BPM-related issue
resolution.
- Drive
customer experience metrics that reduce the effort to receive service from
the Bank due to process hurdles.
Perspective: Learning and growth
% Weighting: 10%
Output:
- Be
self-driven and directed. Build own skills in problem-solving and
effective presentations, communication, and writing skills.
- Train,
guide, and provide leadership and direction to the business teams.
Job Specifications
Technical Competencies:
- Knowledge
of Banking and Business Operations
- Well-rounded
knowledge of all the Bank’s operations and processes and excellent
knowledge of Bank policies and procedures
- Problem-solving
Skills
- Well-versed
in developing architectural structures that help to identify and resolve
business problems
- Communication
Skills
- Effective
communicators who are able to relate structural solutions orally,
graphically, and in writing
Behavioural Competencies:
- Results
and Achievement oriented
- Strives
to achieve results, enjoys measuring others, being measured, and being
judged on performance standards
- Personal
Ethics
- Must
be honest, fair, just but firm with themselves, and of high integrity
- Teamwork
Spirit
- Work
efficiently with various management personnel
- Human
Resource Management Skills
- Leadership
Skills, Team Building, and ability to train, develop and mentor staff
- Communication
- Interpersonal
skills to effectively communicate with and manage customer expectations
(internal and external), and other stakeholders who impact performance
- Accountability
- Accepts
responsibility for own actions, decisions and demonstrates commitment to
accomplish work in an ethical, efficient, and cost-effective manner
Ideal Job Specifications:
Academic:
- Bachelor’s
degree from a recognized accredited university plus at least 4 years’
experience in process management and improvement
Professional:
- Lean
Six Sigma Black Belt trained or certified
Desired work experience:
- Experience
in banking, retail, or supply chain operations
- Experience
in business process methodology or project management
- Experience
in designing high-performing business processes that are cross-functional
and support enterprise-wide capabilities
Manager, Credit Operations at NCBA Group
Job Purpose Statement
The Manager, Credit Operations, is a strategic leader
responsible for designing, implementing, and optimizing end-to-end digital
credit processes across five markets: Kenya, Uganda, Tanzania, Rwanda, and
Ghana. This role is crucial for scaling Mobile Savings & Loans
(MSL) and LOOP platforms.
You will lead the operationalization of new credit products,
using automation, AI-driven decisioning, and intelligent workflows to enhance
customer outcomes and operational efficiency. A key part of your role will be
to manage the credit administration teams and provide oversight to in country
portfolio analysts. You will also be responsible for ensuring full compliance
with all relevant credit policies and regulations.
This position requires a leader who can effectively
integrate traditional banking practices with modern digital credit models
to transform credit operations into a high-performing, tech-enabled, and
insight-driven function that directly supports business growth.
Key Accountabilities (Duties and Responsibilities)
Financial Management (20%):
- Reduce
operational costs by at least 15% year-over-year through automation and AI
integration.
- Resolve
100% of identified revenue leakages (e.g., interest misapplications)
within 30 days.
- Ensure
a minimum return on investment of 1.5x on automation projects within 12
months.
- Achieve
100% on-time and accurate CRB reporting compliance across all countries.
Internal Business Processes (30%):
- Design
and document end-to-end credit operational workflows for all new product
launches.
- Automate
at least three high-impact credit processes each year, such as CRB
reporting and loan disbursements.
- Ensure
all new ecosystem products (Retail, Agri, Health, etc.) have full credit
operations readiness.
- Maintain
robust system controls with a 0% failure rate for all loan lifecycle
stages.
- Ensure
100% alignment with approved sanction parameters and loan limits.
- Maintain
a <0% error rate on all loan system inputs and data.
- Own
the entire CRB submission process, ensuring 100% on-time submissions and
zero regulatory breaches.
Risk and Compliance (20%):
- Ensure
100% compliance with CRB timelines, formats, and regulatory guidelines,
resulting in zero penalties.
- Maintain
100% audit compliance with CBK, Group Credit Policy, and local
regulations.
- Implement
at least two automated dashboards for real-time compliance monitoring.
- Proactively
flag and resolve any sanction or limit breaches, keeping them below 1% per
month.
- Analyze
portfolio data monthly to identify risk patterns and recommend mitigating
actions, with a 90% implementation rate.
- Manage
and resolve 100% of all logged exceptions within defined timelines.
Customer Experience (20%):
- Use AI
to optimize at least 80% of customer repayment communication flows.
- Resolve
operational issues that lead to customer complaints, aiming for a
complaint rate below 3% and a 95% first-time resolution rate.
- Ensure
100% of digital journeys accurately display loan and repayment
information.
Learning and Growth (10%):
- Hold
quarterly regional alignment sessions to share knowledge and best
practices across all markets.
- Ensure
100% of the team completes annual training on digital credit and AI tools.
Job Specifications
Academic
- A
Bachelor’s degree in Finance, Business Administration, Economics,
Engineering, Statistics, or a related field.
- Professional
certifications in any of the following will be an added advantage:
- Credit
Risk Management
- Business
Process Automation / RPA
- AI
for Business or Data Analytics
- Lean
Six Sigma / Process Design
- Digital
Financial Services (DFS) or Fintech Strategy
Work Experience
- Minimum
7 years’ experience in credit operations or administration, with at least
3 years in a leadership role within a digital banking, fintech, or
multi-market credit environment.
- Proven
experience in:
- Designing
and operationalizing credit processes across origination, disbursement,
recovery, and compliance.
- Cross-market
credit portfolio oversight, ideally in emerging or regional markets (e.g.
Kenya, Uganda, Tanzania, Rwanda, Ghana).
- Automation
and systems implementation in credit lifecycle management (e.g. CRB
automation, workflow engines, T24 or equivalent).
- Engaging
ecosystem stakeholders (e.g. agri-techs, health platforms, retail
networks) to support credit product integration.
- Using
data and AI tools to drive portfolio insights, repayment behavior
strategies, and risk monitoring.
Business Support Manager at NCBA Group
Job Purpose Statement
To provide operational support and coordination of key
activities relating to financial and business analysis, operations, research
and planning to the Group Director Retail Banking that are aligned to the
bank’s strategic direction. This will involve:
- Supporting
key initiatives developed by the Group Director Retail Banking and thus
enable positive impact be generated from such key initiatives and projects
through analysis, monitoring, reporting and providing feedback on the
status of such initiatives.
- The
role will also provide day to day support on action plans arising from
forums such as Departmental meetings, Board meetings, MCC, BCC and Retail
Performance Reviews.
- Provision
of day to day administrative support to the Group Retail Director to
manage and plan his calendar including travel plans and engagements with
stakeholders, partners and clients.
- Provide
administrative support to the larger Retail team by building and
maintaining relationships with clients, partners, and Retail Banking
Leadership Team.
- Supporting
the Group Retail Director develop presentations on financial performance
as well as updates on initiatives for use in various forums such as Excom
or Board.
Ideal Job Specifications
Academic:
- Bachelor’s
degree from a recognized accredited university.
Professional Qualifications and Desired Work
Experience:
- At
least 4 years’ experience working in administration and business support
with at least two years supporting senior management teams in a similar
size commercial organisation, in a role requiring:
- The
ability and confidence to establish and maintain positive and productive
relationships with stakeholders at senior director level and across all
cadres inside and external to the organisation and influence positive
outcomes;
- The
ability to produce and disseminate high quality professional information
and documents which involve researching, note-taking, collating, writing,
proof-reading, editing, and presenting accurate materials, minutes and
follow management reports;
- The
ability to effectively manage processes, recommend improvements and
establish new and more efficient ways of working;
- Working
knowledge of documents and data management with a high level of competency
in standard Microsoft packages, data analysis and reporting tools;
- The
ability to work flexibly with versatility, meet unexpected and on occasion
very tight deadlines, prioritise and proactively manage competing demands,
multi-task, manage pressure, work autonomously and collaboratively with
colleagues and external stakeholders.
- A
well-placed sense of judgement, tact, diplomacy, tenacity and political
skills, with the ability to exercise absolute discretion and
confidentiality;
- A
demonstrable level of numeracy and ability to analyse statistical and
financial data with strong attention to detail and a high level of
accuracy
Head of Credit Origination
The role holder jointly with Sector Heads in Corporate
Banking will submit reports to assist the Management & the Board Credit
Committees in identifying solutions for existing and/or future credit
challenges.
T24 Developer
To develop applications that interface with the Core Banking
system to extend its capability.
IT Retail Channels Analyst
This is a channels analyst role whose purpose is to provide
effective and efficient support to the bank’s Retail Channel systems and
integration components. This includes but is not limited to Mobile Banking,
Internet Banking, Mobile Money Payment systems, Bill Payment Systems, etc
Card Systems Specialist
The purpose of this role is to ensure ATMs, Cash Depositors,
Teller Cash Recyclers, card management systems, card production
systems/hardware and other related card support applications are implemented
and supported adequately.
IT Strategy & Value Specialist
This role focuses on harnessing market intelligence, data
analytics, and modern storytelling techniques — including video and visual
dashboards — to communicate strategic insights and support executive
engagement, thereby contributing to the overall success of the IT
business planning function.
Senior Manager, API Support
The job holder will lead a cross-functional team in
developing innovative fintech products and services, utilising open API
architecture.
Senior Manager, Database
Senior Manager, Database, will lead the database
administration team and oversee all aspects of database management and
operations. This includes ensuring the performance, integrity, and security of
the Bank’s databases, as well as the planning and development of the database
environment.
Workflow Delivery Lead
As our Workflow Delivery Lead, you will serve as the central
force guiding our high-impact workflow automation initiatives from concept to
completion. You will drive the end-to-end design, development, and seamless
deployment of critical workflow automation solutions.