Internship | Job Vacancies at Gulf African Bank

The genesis of Gulf African Bank (GAB) can be traced back to 2005, when a group of motivated Kenyans envisioned establishing an Islamic bank as an alternative to conventional banking in the country. By conducting business on the principles of Shari'ah, the bank would provide an ethical and fair mode of banking for all. Gulf African Bank is the first and largest Islamic Bank in Kenya and one of the fastest growing banks in the history of the banking sector of the country. The bank offers fully Shari'ah compliant products and services that address the needs of not just Muslims, but everyone in the country including individuals, corporate companies, and institutions. The bank was incorporated on August 9th, 2006 and started operations as a commercial bank in January 8th 2008, in a historic event, where it was granted the country’s first fully-fledged commercial banking license as a dedicated Islamic bank, by the Central Bank of Kenya.

Relationship Manager – SME at Gulf African Bank

Job Description

Key Responsibilities:
Acquisition: Business Development

• To ensure growth of Branch SME portfolio (NFI, deposits and assets) through the acquisition of new to Bank customers through the Business sales officers and lead generation
• Actively generates referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity.
• To ensure acquisition of customers to digital channels
• To effectively manage and expand the relationships with existing SME banking clients and bringing in new partnerships from existing portfolio so as to ensure business growth and continuity
• Portfolio profitability (Cross-sell & Retention)
• Grow SME customer portfolio size (Product per customer, non-funded income, deposits and assets) by deepening existing customer relationships
• Ensure a clear retention plan for overall portfolio deposits and loans for the segment, to execute this plan in conjunction with the Branch Managers.
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• Monitor account planning for all clients that will assist in advising on potential financial solutions based on identified needs
• Ensure customers are notified of maturing fixed deposits for appropriate action and encourage retention
• Assist in Resolving client queries in a timely and appropriate manner
• Assist in collaborating with product specialists, to deliver effective customer solutions.
• Ensure Fulfillment of minimum customer relationship touch points – e.g., 1 visit every quarter and 1 call and email a month depending on customer segment
• Assist in growth of given portfolio through the use of desired channels such as the SME Business Hubs/ digital platforms i.e. B2 B
• Prepares and submits all reports may prepare management reports summarizing individual and team loan activity.
• Ensure all customers are on-boarded on a digital platform i.e. Gab Pesa, Internet banking
• Ensure Product Per Customer of 5 across the portfolio
• Understand nature of businesses, their life-cycles and the various product offerings that can be given to the customer.
• Evaluate credit proposals and ensure the credit applications process on a timely basis within the Bank’s set turnaround times.

Customer Service and customer information

• Obtaining account opening documentation from new customers
• Opening of accounts for customers in the system and ensuring minimum required information is captured and customer given a CIF number.
• Following up with customers in the portfolio for missing information
• Maintaining/ Updating customer data on parameters such as Business turnover/ directors details etc.
• Ensure all customer engagements are recorded accordingly

Compliance:

• Ensure compliance with both internal and external regulatory requirements (KYC, AML and other bank processes.
• Continuously follow business operational and credit policies ensuring their compliance.
• Ensure compliance with all applicable laws and regulations, as well as with the Bank’s internal policies and procedures while executing assigned duties and responsibilities.

Knowledge and Experience Required for this Role

• University degree in a business-related field
• Professional qualifications an added advantage
• Minimum 5 years of experience in banking, with at least 3 years handling SME

Job-Specific Skills and Competencies

• Excellent sales and business development skills
• Relationship management and interpersonal skills
• Financial and analytical skills
• Communication skills
• Problem solving skills and decision-making ability

Apply: https://gulfafricanbank.com/careers/relationship-manager-sme-2/

Relationship Manager – HNI at Gulf African Bank

Job Description

Job Purpose:

To onboard, manage, grow, and deepen relationships with High Net-Worth Individuals by providing personalized financial advice, investment solutions, and superior banking services.

The role entails delivering holistic wealth management services to affluent clients, achieving financial targets, and enhancing the Bank’s position as the preferred financial partner for HNI clients.

Key Responsibilities:

Strategy and Business Development

• Design, formulate and execute segment growth strategies and marketing programs to drive segment revenue (P&L) and business performance
• Formulate a compelling value proposition targeting HNI customers that attracts new customers and retains existing
• Design products based on identified customer needs, formulate tactical business plans to package product offer to grow segment base, enhance customer engagement and work closely with internal stakeholders to launch them

Client Acquisition & Relationship Management

• Acquire new HNI clients through referrals, targeted marketing, and strategic prospecting.
• Build and nurture long-term relationships with HNI clients, ensuring exceptional customer service and engagement.
• Conduct regular reviews of client portfolios to assess risk appetite, financial goals, and evolving needs. Achieve the required minimum client visits and customer engagement forums per year.
• Build positive and lasting relationship with individual and family clients, family offices, foundations and their advisors, managing the different dynamics and interests of the parties to build consensus and realize desired results.
• Create an execute a client driven relationship management and portfolio management strategy that will result in increased revenue, profit, share of wallet and contained PAR within Bank guidelines.
• Achieve status of trusted advisor

Portfolio Growth & Revenue Generation

• Achieve assigned financial targets including deposit mobilization, asset growth, fee income, and product cross-sell.
• Proactively identify new revenue opportunities within the client portfolio.
• Monitor and manage credit exposures, ensuring quality and timely repayments.

Client Experience & Retention

• Ensure high-quality service delivery and resolution of client issues within agreed service-level agreements (SLAs).
• Provide concierge banking support — coordinating account setup, product access, and premium services.
• Maintain high levels of client satisfaction through personalized communication, financial updates, and exclusive engagements.
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• Ensure adherence to KYC, AML, and other regulatory requirements as per CBK and internal bank policies.
• Keep proper documentation of client transactions and financial advice for audit and compliance review.
• Monitor client accounts to identify red flags or unusual activities that may pose reputational or regulatory risks.
• Ensure compliance with all applicable laws and regulations, as well as with the Bank’s internal policies and procedures while executing assigned duties and responsibilities.

Business Targets

• Primarily responsible for acquiring, servicing and managing HNI client relationships through one on one engagement, identifying client needs and providing them with the appropriate bank products, services and solutions with the ultimate goal to:
• Driving revenue and volume growth of portfolio assigned
• New to Bank client acquisition
• Deepening of existing client relationships
• Cross sell of products/ solutions thereby increasing their share of wallet in the Bank
• Retention of existing customers
• Increase of customer satisfaction levels
• Delighting clients through providing excellent service which leads to increased loyalty
• Business targets will be agreed with the Head of Retail and signed off in the annual performance contract. The targets will be based on:
• Growth in HNI customer base and portfolio value
• Achievement of asset, liability, and income targets
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• Cross-sell ratio across retail products

Knowledge and Experience Required for this Role

• A bachelor’s degree in finance, business, economics, or related field (an MBA or CFA is an added advantage).
• Minimum 5–7 years of experience in retail, private, or wealth banking, with at least 3 years handling HNI clientele.
• In-depth knowledge of financial markets, investment instruments, and wealth management solutions.
• Up-to-date knowledge of financial markets, economic indicators, and global wealth trends.
• Deep understanding of Kenya’s affluent market, client preferences, and competitive landscape

Apply: Relationship Manager - HNI – Gulf African Bank

Assistant Relationship Manager, Corporate – Mombasa at Gulf African Bank

Job Description

Job Purpose:

Support the Senior Corporate Relationship Manager / Corporate Relationship Manager in the day to day administrative and operational matters relating to the assigned portfolio of corporate customers.

The Job holder will be responsible for the organic business growth of the assigned portfolio through exceptional customer experience, relationship deepening and ecosystem extraction.

Deliver on the agreed NFI revenues through enhancement of transactional volumes

Key Responsibilities:

Business Development

• Drive growth of NFI through cross selling of the bank’s products to existing and potential customers.
• Develop and maintain robust account plans for strategic customers in the assigned portfolio.
• Maintain high quality portfolio and enhance share of business in the assigned portfolio.
• Relationship Management; Being the link between existing clients and the Bank on matters relating to the administration of the portfolio.
• Provide excellent and timely solutions to the Bank’s clients in addition to providing prompt feedback from them to the
• Bank for immediate action where possible and at the same time avoid any case of mis-selling/ misrepresentation.
• Participating in Market awareness programs for the Bank, this includes market activations, sales promotions, product launches, et al.
• Ensure compliance matters in respect to the assigned portfolio is addressed effectively and expeditiously

Compliance and Operations:

• Ensure full compliance on the KYC policies and procedures as well as the rules and guidelines set by the regulator.
• Ensure compliance with the Bank’s code of Ethics.
• Ensure compliance with internal regulatory requirements particularly with regards to asset facilities processing.
• Execute customer instructions rapidly and free of error.
• Ensure compliance with all applicable laws and regulations, as well as with the Bank’s internal policies and procedures while executing assigned duties and responsibilities.

Other

• Safeguard and promote the bank’s image both internally and externally.
• Act in the best interest of the bank at all times

Qualifications and Experience

• University Degree from a recognized institution with a bias in business studies/ Marketing.
• Must have at least five (5) years’ banking experience and at least 1-year relationship management or customer experience.
• Cross-cutting experience in customer service, business and operations will be an added advantage.
• Must possess sound knowledge of Bank products
• Must Have good interpersonal skills and portray teamwork capacity
• Must be self-driven and very aggressive
• Must be confident, eloquent and presentable.
• Must have excellent presentation and negotiation skills.
• Functional Competencies Required for this Role
• Must possess excellent selling skills with a proven track record.
• Emotional Intelligence; Dynamic, individual with the ability to work under pressure
• Strong networking skills, for both internal and external networks
• Relationship Management skills with excellent interpersonal, communication and presentation skills.
• A passion for performance and achievement in a competitive and dynamic environment
• Hardworking, strategically minded individual with excellent leadership, organizational, and planning skills
• Commercial awareness and customer focus.
• Pleasant, honest outgoing, well-groomed and self-driven

Key Relationships

• Direct Reports to this Position
• None
• Customers of this Position
• Branches, Operations, Risk & Compliance

Apply: https://gulfafricanbank.com/careers/assistant-relationship-manager-corporate/

Relationship Manager, SME – Mombasa Branches at Gulf African Bank

Job Description

Job Purpose:

To achieve business growth in the SME segment. The role holder will have a holistic view of all accounts within his/her portfolio, using lead generation and account prioritization to cross sell Bank products and extract value from said portfolio whilst maintaining/ building customer relationship and account information.

Key Responsibilities:

Acquisition: Business Development

• To ensure growth of Branch SME portfolio (NFI, deposits and assets) through the acquisition of new to Bank customers through the Business sales officers and lead generation
• Actively generates referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity.
• To ensure acquisition of customers to digital channels
• To effectively manage and expand the relationships with existing SME banking clients and bringing in new partnerships from existing portfolio so as to ensure business growth and continuity
• Portfolio profitability (Cross-sell & Retention)
• Grow SME customer portfolio size (Product per customer, Non-funded income, deposits and assets) by deepening existing customer relationships
• Ensure a clear retention plan for overall portfolio deposits and loans for the segment, to execute this plan in conjunction with the Branch Managers.
• Monitor account planning for all clients that will assist in advising on potential financial solutions based on identified needs
• Ensure customers are notified of maturing fixed deposits for appropriate action and encourage retention
• Assist in Resolving client queries in a timely and appropriate manner
• Assist in collaborating with product specialists, to deliver effective customer solutions.
• Ensure Fulfillment of minimum customer relationship touch points – e.g., 1 visit every quarter and 1 call and email a month depending on customer segment
• Assist in growth of given portfolio through the use of desired channels such as the SME Business Hubs/ digital platforms i.e. B2 B
• Prepares and submits all reports may prepare management reports summarizing individual and team loan activity
• Ensure all customers are on-boarded on a digital platform i.e. Gab Pesa, Internet banking
• Ensure Product Per Customer of 5 across the portfolio
• Understand nature of businesses, their life-cycles and the various product offerings that can be given to the customer.
• Evaluate credit proposals and ensure the credit applications process on a timely basis within the Bank’s set turnaround times.

Customer Service and customer information

• Obtaining account opening documentation from new customers
• Opening of accounts for customers in the system and ensuring minimum required information is captured and customer given a CIF number.
• Following up with customers in the portfolio for missing information
• Maintaining/ Updating customer data on parameters such as Business turnover/ directors details etc.
• Ensure all customer engagements are recorded accordingly

Compliance:

• Ensure compliance with both internal and external regulatory requirements (KYC, AML and other bank processes.
• Continuously follow business operational and credit policies ensuring their compliance.
• Ensure compliance with all applicable laws and regulations, as well as with the Bank’s internal policies and procedures while executing assigned duties and responsibilities.

Apply: Relationship Manager, SME - Mombasa Branches – Gulf African Bank

Business Analyst at Gulf African Bank

Job Description

Job Purpose:

The role of Business Analyst is to support the business team members- Assistant Relationship Managers (ARM) and Relationship managers (RM) in their respective teams / region, to manage a high-quality portfolio of clients in a manner that complies with the Bank’s policies. (In line with Shariah and other banks, regulators policies).

Key Responsibilities:

Consumer Pipeline Management

• Implement the Retail Personal Finance business plan and strategy.
• Ensure efficient conversion of approved assets through follow-up with relevant parties.

Relationship management

• Support Retail Business Development, Monitoring, and Debt Recovery in implementing strategies to improve the Retail asset portfolio.
• Address and resolve complaints.
• Coordinate with support functions to grow consumer banking assets.

Internal Business Process and Compliance

• Comply with all applicable laws, regulations, and the Bank’s internal policies and procedures when executing assigned duties.
• Review and manage personal finance and check-off facilities daily.
• Collate the weekly and monthly Retail pipeline and track conversion.
• Effect check-offs promptly and ensure delivery of check-off schedules/instructions to employers.
• Monitor monthly loan and check-off payments.|
• Review and reconcile all scheme accounts by the 5th and 15th of each month to assess performance.
• Prepare credit modification reports within SLA, including scheme account restructures, by the 15th of each month.
• Actively engage support functions, including Credit Risk and SDU, to drive efficiency and growth.
• Ensure full compliance with Credit Policy Guidelines. |
• Comply with internal and regulatory requirements.
• Submit performance reports and adhere to internal SLAs. |
• Develop and continuously review retail banking operational policies and procedures, ensuring compliance.
• Perform any other duties assigned by management from time to time.

Business Support function

• Undertake support and liaison functions between the bank, customers, and employers.
• Ensure targeted MOUs achieve desired uptake and penetration.
• Compile and share regular retail performance reports with relevant teams.
• Monitor portfolio clean-up and follow up with Credit Administration to ensure all facilities are correctly maintained in the system.
• Grow the bank’s market share through innovative banking products and services.
• Build and maintain customer relationships to achieve excellent service and loyalty.
• Coordinate sales activations and cross-sell initiatives to increase customer usage of existing products and services.
• Collate asset and liability commitments by Retail RMs.
• Provide daily updates on disbursed deals for Coast and up-country branches.

Key Relationships

Direct Reports to this Position

None

Customers of this Position

• All Departments in the Bank
• All current and potential future Retail customers.
• Debt collectors.
• Schemes Institutions.
• Credit Monitoring & DRU
• Credit Risk, Legal & SDU departments

Education Qualifications and Experience

• University degree in a business-related field.
• Awareness of financial services.
• Knowledge of the credit industry, legal processes, and their application in scheme administration.
• Relationship Management experience.
• Strong public relations skills in formal and social settings, with the ability to build and maintain effective working relationships.

Apply: Business Analyst – Gulf African Bank

Retails Schemes Officer, Coast at Gulf African Bank

Job Description

Job Purpose:

Lead relationship management for retail scheme customers—including companies, institutions, and individual customers —while maintaining a quality scheme book at an acceptable PAR. This will be achieved through continuous monitoring of the scheme facility book for distress signals, proactive engagement with scheme companies and customers to ensure timely payments, and coordination with bank departments and external parties to maintain a quality facility book

Key Responsibilities:

Consumer Pipeline Management

• Implement the Retail Personal Finance business plan and strategy.
• Ensure efficient conversion of approved assets through follow-up with relevant parties.

Relationship management

• Support Retail Business Development, Monitoring, and Debt Recovery in implementing strategies to improve the Retail asset portfolio.
• Address and resolve complaints.
• Coordinate with support functions to grow consumer banking assets.

Internal Business Process and Compliance

• Comply with all applicable laws, regulations, and the Bank’s internal policies and procedures when executing assigned duties.
• Review and manage personal finance and check-off facilities daily.
• Collate the weekly and monthly Retail pipeline and track conversion.
• Effect check-offs promptly and ensure delivery of check-off schedules/instructions to employers.
• Monitor monthly loan and check-off payments.
• Review and reconcile all scheme accounts by the 5th and 15th of each month to assess performance.
• Prepare credit modification reports within SLA, including scheme account restructures, by the 15th of each month.
• Actively engage support functions, including Credit Risk and SDU, to drive efficiency and growth.
• Ensure full compliance with Credit Policy Guidelines.
• Comply with internal and regulatory requirements.
• Submit performance reports and adhere to internal SLAs. |
• Develop and continuously review retail banking operational policies and procedures, ensuring compliance.
• Perform any other duties assigned by management from time to time.

Business Support function

• Undertake support and liaison functions between the bank, customers, and employers.
• Ensure targeted MOUs achieve desired uptake and penetration.
• Compile and share regular retail performance reports with relevant teams.
• Monitor portfolio clean-up and follow up with Credit Administration to ensure all facilities are correctly maintained in the system.
• Grow the bank’s market share through innovative banking products and services.
• Build and maintain customer relationships to achieve excellent service and loyalty.
• Coordinate sales activations and cross-sell initiatives to increase customer usage of existing products and services.
• Collate asset and liability commitments by Retail RMs.
• Provide daily updates on disbursed deals for Coast and up-country branches.

Key Relationships

Direct Reports to this Position

None

Customers of this Position

• All Departments in the Bank
• All current and potential future Retail customers.
• Debt collectors.
• Schemes Institutions.
• Credit Monitoring & DRU
• Credit Risk, Legal & SDU departments

Education Qualifications and Experience

• University degree in a business-related field.
• Awareness of financial services.
• Knowledge of the credit industry, legal processes, and their application in scheme administration.
• Relationship Management experience.
• Strong public relations skills in formal and social settings, with the ability to build and maintain effective working relationships.
• Credit management experience
• Portfolio management experience in a financial institution.

Job-Specific Skills and Competencies

• Life skills, including confidence and the ability to relate to people from varied backgrounds.

• Emotional intelligence and the ability to work under pressure.
• Excellent selling skills
• Strong internal and external networking skills.
• Relationship management, human relations, communication, and interpersonal skills.
• Passion for performance, teamwork, and achievement in a competitive, dynamic environment.
• Hardworking, strategic, and strong in leadership, organization, and planning.
• Commercial awareness and customer focus |
• Pleasant, honest, outgoing, well-groomed, and self-driven.
• Problem Solving Skills, Analytical, Self-Driven, Professional and Innovative

Apply: Retails Schemes Officer, Coast – Gulf African Bank

Junior HR Business Partner at Gulf African Bank

Job Description

Job Purpose:

This role is responsible for assisting the Head of HR in providing support to Line Managers in the management of employees to ensure that the Bank is able to meet its Strategic Business Objectives through high performing teams. The position holder is also responsible for providing day to day guidance and support to employees in all areas of Human Resource Management that impact employees.

Key Responsibilities:

• To act as a key point of contact for employees and managers
• To support the Head of Human Resources in implementing value adding strategic HR Functional plans that deliver business results
• To support the Head of HR in liaison with Line Managers, to deliver best practice, customer and solution focused HR function on:
• Recruitment, Retention and Contract Management
• Employee Inductions and Deployment
• Performance Management & Rewards Management
• Training Needs Analysis and Capability Building
• To interpret and provide advice on HR policies and to support managers in the practical implementation of HR policies, employment legislation and best practice Change Management & To administer staff benefit schemes including medical, pension and life insurance
• To manage employee welfare issues
• To conduct exit interviews to identify reasons for employee separation from the company, prepare reports and recommend solutions
• To enhance the right culture and create ownership of the organization’s values, vision and mission and driving change in line with business goals To ensure the maintenance of up to date personnel records and statistics, both physically and online
• To generate strategic HR metrics periodically for the Head of HR, while analyzing HR trends to develop solutions, programs and policies
• To conduct Talent Management Routines and Succession Planning, support Line Managers in conducting job rotations and implementation of development plans.
• Support the Learning and development manager in the management of succession planning, competency and career development frameworks, and individual development plans
• To provide day to day performance management guidance to line management (coaching, counseling, career development, disciplinary actions)
• To work closely with management and employees to improve work relationships, build morale, increase productivity and retention
• To prepare statutory payments for payroll promptly
• To conduct monthly meetings with respective business units
• To ensure compliance with all applicable laws and regulations, as well as with the Bank’s internal policies and procedures while executing assigned duties and responsibilities
• To perform any other duties as may be assigned from time to time

Education, Qualifications and Experience

• Bachelors; degree in Social Sciences, Human Resources or related field
• CHRP
• Higher Diploma in HR
• 2-3 years’ experience in similar position or in HR
• Knowledge of HRIS is an added advantage

Job-Specific Competencies

• Technical Competencies
• Labour laws
• HR Metrics

• Project Management
• Negotiation Skills
• Strategic decision making

Core Competencies

• Communication Skills
• Building Relations
• Focuses on the customers
• Develops self
• Solves problems
• Develops others

 Apply: Junior HR Business Partner – Gulf African Bank

Relationship Manager Retail – Coast and Nairobi Branches at Gulf African Bank

Job Description

Job Purpose:

To achieve business growth in the retail segment. The role holder will have a holistic view of all accounts within his/her portfolio, using lead generation and account prioritization to cross sell Bank products and extract value from said portfolio whilst maintaining/building customer relationship and account information.

Key Responsibilities:

Acquisition: Business Development

• To ensure growth of Branch Retail Portfolio (NFI, Deposits and assets) through the acquisition of new to bank customers through the Business sales officers and lead generation
• Actively generate referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity
• To ensure acquisition of customers to digital channels
• To effectively manage and expand the relationships with existing Retail Banking clients and bring in new partnerships from existing portfolio so as to ensure business growth and continuity

Portfolio Profitability (Cross-Sell & Retention)

• Grow Retail customer portfolio size (Product per customer, Non funded income, deposits and assets) by deepening existing customer relationships
• Ensure a clear retention plan for overall portfolio deposits and loans for the segment, to execute this plan in conjunction with Branch Managers
• Monitor account planning for all clients that will assist in advising on potential financial solutions based on identified needs & Assist in resolving queries in a timely and appropriate manner
• Assist in collaborating with product specialists to deliver effective customer solutions
• Ensure fulfilment of minimum customer relationships touch points e.g. 1 visit every quarter and 1 call and email a month a month depending on customer segment
• Prepare and submit all reports may prepare management reports summarizing individual and team loan activity
• Ensure all customers are on-boarded on a digital platform i.e. Gabpesa, internet banking @ Ensure PPC of 3 across the portfolio
• To understand business, their life cycles and the various product offerings that can be given to the customer
• To evaluate credit proposals and ensure the credit applications process on a timely basis with the bank’s set turnaround times

Customer and Markets

• Maintaining/updating customer data on parameters such as Business turnover/ director details etc.
• Ensure all customer engagements are recorded accordingly

Compliance

• To ensure compliance with both internal and external regulatory requirements
• To continuously follow business operational and credit policies ensuring their compliance
• Ensure compliance with all applicable laws and regulations, as well as with the Bank’s internal policies and procedures while executing assigned

Education, Qualifications and Experience

• University degree in a business-related field.
• At least two (2) years’ banking relationship management experience.
• Portfolio management experience in a financial institution.

Apply: Relationship Manager Retail - Coast and Nairobi Branches – Gulf African Bank

Trade Finance Officer at Gulf African Bank

Job Description

Job Purpose:

The role holder will be responsible for identifying Trade finance opportunities, supporting portfolio growth, monitoring the performance of the portfolio and marketing the bank’s trade finance product offering

Key Responsibilities:

• To onboard new trade finance clients for the bank
• To collaborate with branches across the bank’s network to increase Trade finance business.
• To produce and maintain continuous progress reports on the growth of the Trade Finance portfolio within the bank.
• To undertake Marketing initiatives with both internal and external stakeholders with an objective of growing the Trade finance customer base.
• To increase utilization and uptake of Trade finance products by existing customers.
• To effectively manage and expand the relationships with existing Trade finance clients and bringing in new partnerships so as to ensure business growth.
• To advise clients on appropriate Trade Finance solutions as provided within the bank’s credit policy.
• To oversee the assigned Trade finance portfolio and adhere to the bank’s acceptable PAR.
• To ensure compliance with all applicable laws and regulations, as well as with the Bank’s internal policies and procedures while executing assigned duties and responsibilities.

Sales & Business Development

• Responsible for Trade Finance sales and business development.
• To omplete business opportunities and monitor business’s activities in line with the Bank’s strategic and annual business plans.
• To Adopt to a focused relationship management approach, that increases the flow of business to the Trade Finance department.
• To Ensure full compliance with the Bank’s Credit Policy, Central Bank of Kenya guidelines and appropriate provisions of the Banking Act with respect to lending.
• To Enhance relationship marketing and management with customers and other partners, at a profit, so that the both the customer and bank objectives are met achieved by a mutual exchange and fulfillment of the brand promise.

Strategic Marketing

• To build the GAB Brand with an objective of making the bank a preferred Trade finance partner.

• To regularly update the Bank’s product proposition to ensure it is competitive.
• To support other business teams with organizing and participation in Trade Finance events & forums.

Skills, Experience and Competencies

• Must have a business-related degree with a second-class honor or equivalent
• Must have 2 years’ work experience in Sales, Business development, Relationship Management or Product
• Development in a financial services environment
• Must have experience and Knowledge in Trade Finance

Apply: Trade Finance Officer – Gulf African Bank

Data Scientist at Gulf African Bank

Job Description

Job Purpose:

To design, develop, deploy and govern advanced analytics, machine learning and artificial intelligence solutions that support strategic decision-making, strengthen risk management, improve customer outcomes, optimize financial performance and enhance operational efficiency across the Bank.

 The role will leverage structured and unstructured data to build predictive and prescriptive models, translate complex analysis into actionable business recommendations, and embed scalable, responsible and measurable analytics solutions into business processes. The job holder will partner with Business, Finance, Risk, Compliance, Operations and Technology teams to strengthen the Bank’s advanced analytics capability and promote data-driven decision-making.

Key Responsibilities:

Advanced Analytics & Data Science

• Design and develop predictive and prescriptive models for priority banking use cases, including customer behaviour, credit and portfolio risk, fraud and anomaly detection, customer churn, collections, deposit attrition, product propensity, profitability and branch or channel optimization.
• Perform data discovery, preparation, feature engineering, model training, validation, tuning and testing using structured and unstructured banking data.
• Apply appropriate statistical, machine learning, forecasting, optimization and experimentation techniques to uncoverpatterns and support evidence-based decisions.
• Translate complex analytical outputs into clear recommendations, decision rules, dashboards and interventions for business and control functions.
• Evaluate requests for new or modified analytical solutions to determine business value, feasibility, data availability, delivery effort, dependencies and compatibility with the Bank’s technology environment.
• Develop proof-of-concepts and pilots to assess emerging analytics and AI approaches before scaled implementation.

Model Deployment, Monitoring & MLOps

• Collaborate with Data Engineering and Technology teams to productionize models and analytical solutions using scalable and controlled deployment practices.
• Apply version control, reproducible development, testing, release management and model lifecycle practices appropriate to the Bank’s environment.
• Monitor model accuracy, stability, drift, bias, fairness and operational performance, and implement remediation, retraining or retirement actions when required.
• Maintain a complete inventory of analytical models, including ownership, purpose, status, dependencies, versions and review dates.

Model Governance, Responsible AI & Compliance

• Establish and maintain fit-for-purpose model documentation covering methodology, assumptions, limitations, data sources, validation results, performance thresholds and intended use.
• Support independent model review and validation by providing evidence, test results and traceable documentation.
• Ensure analytics and AI solutions comply with applicable laws and regulations, internal policies, information security requirements, data protection obligations, model risk controls and responsible AI principles.
• Assess and communicate model limitations, explainability, potential bias and risks to relevant stakeholders before implementation.
• Maintain audit-ready records and ensure material model changes are appropriately reviewed and approved.
• Partner with Business, Finance, Risk, Compliance, Operations and Technology stakeholders to define business
• problems, analytical hypotheses, success measures and implementation requirements.
• Quantify and track the benefits of analytics initiatives, including revenue uplift, cost reduction, risk mitigation, customer retention, productivity improvement and turnaround-time reduction.
• Prioritize analytical use cases using strategic alignment, expected value, feasibility, data readiness, risk and implementation effort.
• Act as a trusted analytical advisor by challenging assumptions and converting findings into practical actions and decisions.
• Work with business owners to formulate key business questions, define consistent metrics and build trusted datasetsthat answer those questions.
• Integrate predictive outputs into management reporting and performance monitoring where they improve forwardlooking decision-making.

Business Performance Analytics Support

• Promote adoption of Business Intelligence tools, analytical frameworks and self-service analytics across the Bank.
• Deliver performance dashboards and analytical insights covering deposits, financing growth, revenue streams, profitability, portfolio quality, customer performance, products, branches and channels.
• Work with business owners to formulate key business questions, define consistent metrics and build trusted datasets that answer those questions.
• Integrate predictive outputs into management reporting and performance monitoring where they improve forwardlooking decision-making.

Data Quality, Management & Platform Enablement

• Work with Data Governance, Data Engineering and business data owners to improve the quality, lineage, accessibility, security and usability of data used for analytics.
• Define analytical data requirements, critical data elements, quality rules and remediation priorities for key data science use cases.
• Improve procedures, guidelines, standards and reusable practices for analytical data management, maintenance, reporting and security.
• Contribute to the enhancement of the Bank’s analytics architecture, tools, development environments and scalabledata science platforms.
• Capability Development, Innovation & Stakeholder Engagement
• Contribute to the Bank’s advanced analytics and AI roadmap and identify high-value opportunities for machine learning, natural language processing, generative AI and intelligent automation.
• Develop and maintain user guides, technical documentation, model cards, operating procedures and knowledge repositories for analytical solutions.
• Deliver user training and knowledge-sharing sessions to enable stakeholders to understand, interpret and responsibly use analytical outputs.
• Mentor junior analysts and contribute to professional standards, peer review and continuous capability development within the Data & Analytics function.
• Represent Data & Analytics in relevant project teams, governance forums and cross-functional working groups.

Governance & Compliance

• Ensure compliance with all applicable laws and regulations, as well as with the Bank’s internal policies and procedures while executing assigned duties and responsibilities.
• Perform any other duties that may be assigned by management, consistent with the purpose and level of the role.

Key Relationships

• Direct Reports to this Position
• None
• Customers of this Position
• All Departments in the Bank
• Required Skillset mix

The job holder should demonstrate a balanced combination of banking, quantitative, technical and stakeholdermanagement capability:

• Banking and financial services knowledge – 20%
• Statistics, mathematics and experimental design – 15%
• Programming, SQL and machine learning – 25%
• Data engineering fundamentals – 10%
• MLOps, deployment and model monitoring – 5%
• Business Intelligence, visualization and data storytelling – 10%
• Data governance, model risk, privacy and responsible AI – 5%
• Business analysis, communication and stakeholder management – 10%
• Core tools and methods may include Python or R, SQL, Power BI, Microsoft Excel or equivalent visualization tools, statistical modelling, supervised and unsupervised learning, forecasting, anomaly detection, version control and cloudbased analytics platforms, subject to the Bank’s approved technology environment.

Education Qualifications and Experience

• Bachelor’s degree in Statistics, Applied Mathematics, Data Science, Computer Science, Actuarial Science, Economics, Financial Engineering, Operations Research or another relevant quantitative discipline.
• Master’s degree in Data Science, Statistics, Artificial Intelligence, Business Analytics, Financial Engineering or a related field will be an added advantage.
• Relevant professional certifications in data science, cloud analytics, machine learning, business intelligence, data
• management, risk or banking will be an added advantage.
• Minimum of 3 to 5 years’ relevant experience in banking analytics, data science, risk analytics, customer analytics or a closely related quantitative role.
• Demonstrable experience delivering analytical solutions from business problem definition through model development, deployment, adoption and benefits tracking.

Key Behavioral Competencies

• Analytical thinking, intellectual curiosity and sound professional judgement.
• Ability to communicate complex analysis clearly to technical, business and executive audiences.
• Collaboration, stakeholder influence and constructive challenge.
• Attention to detail, documentation discipline and a strong control mindset.
• Commercial awareness, delivery focus and accountability for measurable outcomes.
• Commitment to ethical, fair and responsible use of data and AI.

Apply: Data Scientist – Gulf African Bank

Branch Operations Manager – Garissa at Gulf African Bank

Job Description

The role is responsible for the overall management of branch operations to maintain customer relationships, operational efficiency, and compliance with operational guidelines and procedures.

Key Responsibilities:

• Vault and ATM/CDM Custodianship – Ensure ATM downtimes are kept at a minimal, and ATM and Vault limits aremaintained
• Cash Management: Ensure branch cash holding limits are adhered to, excess overnight cash holding is covered, any cash differences reported and resolved, cash deposited via the CDM is retrieved and posted within the timelines as guided and coordinate cash repatriations
• Custodianship: Act as the second custodian of all bank payment instruments i.e. cheque books, Debit cards.
• Ensure the branch undertakes the various snap checks as guided by Head office operations and Quality assurance functions
• Deputize the branch manager by growing the business Actively promoting customers to uptake and utilization of all bank channels.
• Lead the branch operations team in supporting the branch to achieve its customer retention objectives, acquisition and growth goals.
• Implement audit recommendations pertaining to all the departments under the Branch operation’s jurisdiction.
• Ensure availability of all service delivery channels to ensure customers are kept fully attended to and that expectations
• Conduct daily, weekly and monthly review of branch operations reports to ensure exceptions are acted upon or escalated within acceptable time frames.
• Approve new accounts in line with KYC procedures: Ensure correct and accurate completion of all customer instructions and approve them for further processing at CAM. Ensure adherence to all KYC & AML processes with regards to new business and acceptable TAT is always observed.
• Review and/or monitor transactions i.e. withdrawals, deposits, transfers and ensuring that any money laundering and fraudulent activities are identified. Ensuring all accounts transacting above reporting threshold fill in the large cash forms and provide any other documentation as required
• Appraise and promptly address customer issues /complaints escalating as necessary to ensure timely resolution and ensure set TAT on response to customer queries on phone or by letters is strictly adhered to.
• In conjunction with the BM, build and develop a high performing and motivated staff team in the branch by creating a sense of teamwork, a good working environment and regular duty rotations to ensure maximum productivity.
• Ensure branch is opened & closed as per the approved timelines. Operations staff to be ready to serve customers.
• Perform and support the bank on any other checks that improve our operational effectiveness and efficiency.

Skills, Experience and Competencies
Knowledge; Skills and Experience required for this Role
Knowledge

• A University degree (Holders of a Business-related degree will have added advantage).
• Professional Banking Qualification (AKIB) or accounting qualifications will have added advantage.
• Minimum 5 years’ proven working experience in a Banking environment, with sound exposure to Branch Operations &
• Processes, and customer service role.
• Good understanding of the bank’s systems i.e., the core banking system-iMAL
• Excellent Bank product knowledge.
• Proficiency in core & other banking System
• Proficiency in Microsoft Office Suite.

Apply: Branch Operations Manager - Garissa – Gulf African Bank

Relationship Manager, SME – Garissa at Gulf African Bank

Relationship Manager, SME – Garissa

To achieve business growth in the SME segment. The role holder will have a holistic view of all accounts within his/her portfolio, using lead generation and account prioritization to cross-sell Bank products and extract value from the portfolio whilst maintaining/building customer relationships and account information.

Key Responsibilities:

Acquisition: Business Development

• To ensure growth of Branch SME portfolio (NFI, deposits and assets) through the acquisition of new to Bank customers through the Business sales officers and lead generation
• Actively generates referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity.
• To ensure acquisition of customers to digital channels
• To effectively manage and expand the relationships with existing SME banking clients and bringing in new partnerships from existing portfolio so as to ensure business growth and continuity

Portfolio Profitability (Cross-Sell & Retention)

• Grow SME customer portfolio size (Product per customer, Non-funded income, deposits and assets) by deepening existing customer relationships
• Ensure a clear retention plan for overall portfolio deposits and loans for the segment, to execute this plan in conjunction with the Branch Managers.
• Monitor account planning for all clients that will assist in advising on potential financial solutions based on identified needs
• Ensure customers are notified of maturing fixed deposits for appropriate action and encourage retention
• Assist in Resolving client queries in a timely and appropriate manner
• Assist in collaborating with product specialists, to deliver effective customer solutions.
• Ensure Fulfillment of minimum customer relationship touch points – e.g., 1 visit every quarter and 1 call and email amonth depending on customer segment
• Assist in growth of given portfolio through the use of desired channels such as the SME Business Hubs/ digital platforms i.e. B2 B
• Prepares and submits all reports may prepare management reports summarizing individual and team loan activity
• Ensure all customers are on-boarded on a digital platform i.e. Gab Pesa, Internet banking
• Ensure Product Per Customer of 5 across the portfolio
• Understand nature of businesses, their life-cycles and the various product offerings that can be given to the customer.
• Evaluate credit proposals and ensure the credit applications process on a timely basis within the Bank’s set turnaround times.

Customer Service and customer information

• Obtaining account opening documentation from new customers
• Opening of accounts for customers in the system and ensuring minimum required information is captured and customer given a CIF number.
• Following up with customers in the portfolio for missing information
• Maintaining/ Updating customer data on parameters such as Business turnover/ directors details etc.
• Ensure all customer engagements are recorded accordingly

Compliance

• Ensure compliance with both internal and external regulatory requirements (KYC, AML and other bank processes.
• Continuously follow business operational and credit policies ensuring their compliance.

Qualifications and Experience:

• Bachelor’s degree in any field
• At lease 2-3 years experience in managing clients
• Excellent interpersonal skill
• Excellent communication and presentation skills

Job specific competencies:

• Deciding and Initiating Action
• Delivering Results and Meeting Customer Expectations
• Entrepreneurial and Commercial Thinking
• Persuading and Influencing
• Planning and Organizing
• Presenting and Communicating Information
• Relating and networking

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Relationship Manager Retail at Gulf African Bank

Job Purpose:

To achieve business growth in the retail segment.

The role holder will have a holistic view of all accounts within his/her portfolio, using lead generation and account prioritization to cross sell Bank products and extract value from said portfolio whilst maintaining/building customer relationship and account information.

Key Responsibilities:

Acquisition: Business Development

• To ensure growth of Branch Retail Portfolio (NFI, Deposits and assets) through the acquisition of new to bank customers through the Business sales officers and lead generation.
• Actively generates referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity
• To ensure acquisition of customers to digital channels
• To effectively manager and expand the relationships with existing Retail Banking clients and bringing in new partnerships from existing portfolio so as to ensure business growth and continuity

Portfolio Profitability (Cross-Sell & Retention)

• GAB Express size (Product per customer, Non funded income, deposits and assets) by deepening existing customer relationships.
• Ensure a clear retention plan for overall portfolio deposits and loans for the segment, to execute this plan in conjunction with Branch Managers.
• Monitor account planning for all clients that will assist in advising on potential financial solutions based on identified needs.
• Assist in resolving queries in a timely and appropriate manner.
• Assist in collaborating with product specialist to deliver effective customer solutions.
• Ensure fulfilment of minimum customer relationships touch points e.g. 1 visit every quarter and 1 call and email a month a month depended on customer segment.
• Prepare and submit all reports may prepare management reports summarizing individual and team loan activity.
• Ensure all customers are on-boarded on a digital platform i.e. Gabpesa, internet banking.
• Ensure PPC of 3 across the portfolio. To understand business, their life-cycles and the various product offerings that can be given to the customer.
• To evaluate credit proposals and ensure the credit applications process on a timely basis with the bank’s set turnaround times

Customer and Markets

• Maintaining/updating customer data on parameters such as Business turnover/ directors details etc.
• Ensure all customers engagements are recorded accordingly

Compliance

• To ensure compliance with both internal and external regulatory requirements
• To continuously follow business operational and credit policies ensuring their compliance
• Ensure compliance with all applicable laws and regulations, as well as with the Bank’s internal policies and procedures while executing assigned duties and responsibilities.

Other

• safeguard and promote the bank’s image with the general public.
• To assist in other issues aspects such as issue resolution and activities related to credit support and product partners to support our growth strategy.
• Meets regularly with internal referral sources to establish business relationships and develops network of outside referral sources for new business. Perform any other duties as may be assigned from time to time by management.

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Network Operations Center (NOC) Engineer at Gulf African Bank

Key Responsibilities:

• Monitor network, server, and infrastructure health using monitoring and alerting tools
• Administer and support network devices, including routers, switches, and firewalls
• Troubleshoot and resolve issues across LAN, WAN, wireless, VoIP, and transmission networks
• Respond to incidents, raise and track tickets, and ensure timely resolution within SLAs
• Perform root cause analysis (RCA) and implement preventive measures
• Act as a key escalation point for network and infrastructure incidents
• Review and execute remediation actions for SOC-identified security incidents (e.g., firewall rule updates, endpoint isolation via NAC)
• Support remediation of infrastructure vulnerabilities in coordination with system and application owners
• Support domain services (DNS, DHCP, authentication) and Network Access Control (NAC) systems
• Mobile Banking Cards Weightages & Profits Online Remittance channels Vehicle Bids GAB Mortgage Club Tariffs
• Assist in VoIP support, including IP telephony and call quality troubleshooting
• Execute approved changes, upgrades, and maintenance activities (including after-hours work where required)
• Maintain accurate documentation, including network diagrams, runbooks, and knowledge base articles
• Any other duties assigned by the supervisor

Qualifications & Experience

• Bachelor’s degree in information technology, Computer Science, or related field (or equivalent experience)
• Minimum CCNA certification (or equivalent) required
• Additional certifications (advantage): CompTIA Network+, Security+, ITIL, or vendor-specific certifications
• 3–5 years’ experience in a NOC, network operations, or network support environment

Technical Skills

• Strong knowledge of TCP/IP, routing, switching, VLANs, VPNs
• Hands-on experience with routers, switches, and firewalls
• Familiarity with Network Access Control (NAC) solutions
• Working knowledge of VoIP technologies (SIP, IP telephony)
• Understanding of Active Directory, DNS, and DHCP
• Experience with monitoring tools (e.g., SolarWinds, Nagios, Wireshark)
• Basic understanding of cybersecurity and incident response processes

Key Competencies

• Strong troubleshooting and analytical skills
• Ability to work in a 24/7 shift environment
• Good communication and teamwork skills
• High attention to detail and documentation discipline
• Ability to manage multiple priorities under pressure

Working Conditions

• Shift-based role (day/night/weekends)
• On-call support may be required
• High paced environment
• Performance Metrics
• Incident response and resolution (MTTR)
• Network uptime and availability
• Effectiveness of SOC incident remediation
• Timely closure of vulnerability remediation actions
• Quality and accuracy of documentation

Read More & Apply

Senior Manager, Customer Experience at Gulf African Bank

Senior Manager, Customer Experience

THE PURPOSE OF THE ROLE

As Senior Manager, Customer Experience reporting to the COO, you will own the end-to-end customer experience strategy and be the Bank’s chief advocate for the customer. You will translate customer insights into action, embed service excellence as a way of working, and ensure a consistent, differentiated, and seamless omni-channel experience.

Your leadership will directly influence:

• Customer satisfaction, loyalty, and retention
• Brand trust and market differentiation
• Growth across retail, SME, corporate, and diaspora segments
• Service productivity, efficiency, and risk discipline

KEY ACCOUNTABILITIES

Customer Experience Strategy & Culture

• Define and execute a Bank-wide customer experience strategy aligned to business and growth objectives.
• Design and institutionalize customer service standards, frameworks, and omni-channel service models.
• Champion a customer-centric mindset and embed service excellence across all functions.
• Lead customer loyalty, engagement, and retention programmes that deepen relationships and lifetime value.
• Continuously redesign and optimize customer journeys using feedback, analytics, and real-time insights.
• Drive service innovation, digitization, automation, and process improvement initiatives.

End-to-End Service Delivery Oversight

• Provide Bank oversight of customer experience across branches, contact centre, digital channels, and support units.
• Ensure consistent service standards, seamless handoffs, and frictionless omni-channel journeys.
• Set, monitor, and enforce SLAs, turnaround times, and quality benchmarks across all service points.
• Establish robust customer feedback, complaints, and voice-of-customer mechanisms (NPS, surveys, call quality).
• Ensure timely, fair, and regulator-compliant resolution of customer complaints.
• Lead service audits, mystery shopping, and experience assessments to drive continuous improvement.

Business Growth & Customer Insights

• Leverage customer insights and analytics to support growth in deposits, lending, wallet share, and profitability.
• Partner with Retail, SME, Corporate, and Marketing teams to drive acquisition, cross-sell, and retention strategies.
• Analyze customer behavior, segmentation, and product usage to inform strategy and innovation.
• Identify emerging opportunities, including diaspora and new customer segments.
• Track competitor trends and recommend experience enhancements to maintain market leadership.

Performance Management & Reporting

• Define and track critical customer experience metrics (NPS, CSAT, TAT, complaints, churn).
• Establish productivity and service performance frameworks across all customer-facing units.
• Drive accountability for service outcomes across the Bank.

Governance, Risk & Compliance

• Ensure full compliance with the Customer Service Charter, internal policies, and regulatory requirements.
• Embed KYC, AML, and operational risk discipline into customer-facing processes.
• Maintain strong controls around customer interactions, complaints handling, and service workflows.

 Leadership & People Development

• Lead, coach, and inspire high-performing customer experience and contact centre teams.
• Build capability in service excellence, emotional intelligence, relationship management, and problem-solving.
• Drive performance management, staff development, employee engagement and accountability within all customerfacing teams.

Qualifications & Experience

• Bachelor’s degree in Business, Finance, Marketing, or related discipline.
• Master’s degree (MBA or equivalent) is an added advantage.
• Professional certifications in Banking, Customer Experience, or Marketing are desirable.
• Minimum 8–10 years’ experience in customer experience, service delivery, contact centre operations within financial services.
• 3–5 years’ senior leadership experience managing multi-channel customer experience functions.

Core Competencies

• Strategic, data-driven thinker with strong execution capability
• Passionate advocate for customers and service excellence
• Inspiring leader with strong people and performance management skills
• Excellent communicator with executive-level stakeholder influence
• Strong analytical, problem-solving, and decision-making skills
• High emotional intelligence, resilience, and change leadership capability
• Deep understanding of banking operations, products, and regulatory environment

Read More & Apply

Network Administrator at Gulf African Bank

• Location: Head Office
• Department: Information & Communication Technology
• Reports to: Senior Manager, IT Infrastructure

Job Purpose:

To ensure the availability, performance, security, and reliability of the Bank’s network infrastructure by designing, implementing, monitoring, and maintaining enterprise network systems. The role is responsible for LAN, WAN, data center, and cloud network environments, ensuring seamless connectivity for critical banking systems while adhering to regulatory and security standards.

Key Responsibilities:

Network Administration

• Administer, maintain, and support enterprise network infrastructure including LAN, WAN, WLAN, and data center networks.
• Configure and manage network devices including routers, switches, firewalls, load balancers, and VPN gateways.
• Install, configure, and upgrade network hardware and software.
• Monitor network performance and ensure optimal availability and uptime.

Network Performance and Optimization

• Monitor network traffic, identify bottlenecks, and optimize performance across all network segments.
• Conduct capacity planning and recommend upgrades to support business growth and digital channels.
• Analyse network trends and implement improvements to enhance efficiency and resilience.

Security and Compliance

• Implement and enforce network security controls including firewalls, IDS/IPS, VPNs, and network segmentation.
• Ensure compliance with regulatory and security standards (CBK, PCI-DSS, ISO 27001, etc.).
• Conduct regular network security assessments, vulnerability scans, and audits.
• Collaborate with the Information Security team to mitigate risks and respond to threats.
• Backup, Disaster Recovery, and High Availability
• Design and maintain network redundancy and failover mechanisms.
• Support disaster recovery (DR) and business continuity (BCP) strategies for network infrastructure.
• Participate in DR drills and ensure network readiness for failover scenarios.

Monitoring and Incident Management

• Monitor network systems using enterprise monitoring tools and respond to alerts proactively.
• Troubleshoot and resolve complex network issues within agreed SLAs.
• Perform root cause analysis and implement preventive measures.
• Ensure all incidents, problems, and service requests are logged and tracked.

Vendor and Stakeholder Management

• Work with service providers, ISPs, and vendors to ensure service delivery meets SLAs.
• Participate in procurement, evaluation, and onboarding of network solutions and services.
• Collaborate with application, database, and systems teams to support business systems.

Automation and Documentation

• Automate routine network tasks using scripting tools where applicable.
• Maintain up-to-date network diagrams, configurations, and documentation.
• Develop reports on network performance, availability, and security posture

Project Implementation

• Participate in network-related projects including upgrades, migrations, and new deployments.
• Ensure projects are delivered within scope, time, and budget.
• Support rollout of new banking systems, branches, and digital platforms.

Disaster Recovery & Business Continuity

• Support and test network recovery procedures during DR/BCP exercises.
• Ensure redundancy and failover mechanisms are properly configured and tested.
• Maintain DR documentation and network recovery plans.

Qualifications, experience and job specific competencies

Education

• Bachelor’s degree in information technology, Computer Science, Telecommunications, or related field.

Experience

• Minimum 4 years’ experience in network administration within a complex, mission-critical environment.
• Proven experience in enterprise network environments, preferably in banking or financial services.
• Experience managing LAN/WAN, data center, and cloud networking environments.

Technical Skills

• Strong knowledge of networking protocols (TCP/IP, BGP, OSPF, VLANs, DNS, DHCP).
• Hands-on experience with network devices (Cisco, Fortinet, Palo Alto, or equivalent).
• Experience with firewalls, VPNs, IDS/IPS, and network security technologies.
• Familiarity with virtualization platforms (VMware, Hyper-V) and their networking components.
• Experience with monitoring tools (SolarWinds, Zabbix, or equivalent).
• Understanding of operating systems (Windows Server, Linux).

Certifications

• Cisco Certified Network Professional (CCNP) or equivalent
• Cisco Certified Network Associate (CCNA) (minimum requirement)
• Fortinet NSE / Palo Alto certifications (added advantage)
• ITIL Foundation (added advantage)

Core competencies

• Customer Focus – Deliver reliable and secure network services to support business operations.
• Accountability – Ensure network uptime, performance, and security.
• Problem Solving – Diagnose and resolve complex network issues effectively.
• Performance Management – Maintain high availability and optimal performance

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Branch Operations Manager at Gulf African Bank

• Location: Garissa
• Department: Operations
• Reports to: Branch Manager

Job Purpose:

The job holder is responsible for the overall management of the Branch operations to achieve and maintain good customer relations, operational efficiency and compliance with operational guidelines and procedures.

Key Responsibilities:

• Vault and ATM/CDM Custodianship – Ensure ATM downtimes are kept at a minimal, and ATM and Vault limits are maintained
• Cash Management: Ensure branch cash holding limits are adhered to, excess overnight cash holding is covered, any cash differences reported and resolved, cash deposited via the CDM is retrieved and posted within the timelines as guided and coordinate cash repatriations
• Custodianship: Act as the second custodian of all bank payment instruments i.e. cheque books, Debit cards.
• Ensure the branch undertakes the various snap checks as guided by Head office operations and Quality assurance functions
• Deputize the branch manager by growing the business Actively promoting customers to uptake and utilization of all bank channels.
• Lead the branch operations team in supporting the branch to achieve its customer retention objectives, acquisition and growth goals.
• Implement audit recommendations pertaining to all the departments under the Branch operation’s jurisdiction.
• Ensure availability of all service delivery channels to ensure customers are kept fully attended to and that expectations are met.
• Conduct daily, weekly and monthly review of branch operations reports to ensure exceptions are acted upon or escalated within acceptable time frames.
• Approve new accounts in line with KYC procedures: Ensure correct and accurate completion of all customer
• instructions and approve them for further processing at CAM. Ensure adherence to all KYC & AML processes with regards to new business and acceptable TAT is always observed.
• Review and/or monitor transactions i.e. withdrawals, deposits, transfers and ensuring that any money laundering and fraudulent activities are identified. Ensuring all accounts transacting above reporting threshold fill in the large cash forms and provide any other documentation as required
• Appraise and promptly address customer issues /complaints escalating as necessary to ensure timely resolution and ensure set TAT on response to customer queries on phone or by letters is strictly adhered to.
• In conjunction with the BM, build and develop a high performing and motivated staff team in the branch by creating a sense of teamwork, a good working environment and regular duty rotations to ensure maximum productivity.
• Ensure the branch is opened & closed as per the approved timelines. Operations staff to be ready to serve customers.
• Perform and support the bank on any other checks that improve our operational effectiveness and efficiency.

Skills, Experience and Competencies

Knowledge; Skills and Experience required for this Role

Knowledge

• A University degree (Holders of a Business-related degree will have added advantage).
• Professional Banking Qualification (AKIB) or accounting qualifications will have added advantage.
• Minimum 5 years’ proven working experience in a Banking environment, with sound exposure to Branch Operations & Processes, and customer service role.
• Good understanding of the bank’s systems i.e., the core banking system-iMAL
• Excellent Bank product knowledge.
• Proficiency in core & other banking System
• Proficiency in Microsoft Office Sui

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Digital Sales Manager at Gulf African Bank

• Location: Head Office
• Department: Business Banking
• Reports To: Head of Business

Job Purpose

To strategically lead and execute the sales engine for Gulf African Bank’s digital solutions, driving mass acquisition, activation, and engagement. The role is accountable for achieving and exceeding sales targets through direct management of DFS Agents, seamless integration with the branch network, and high-quality customer interactions. The position owns the end-to-end digital customer lifecycle, from onboarding to retention and advocacy, and is responsible for the continuous use of customer feedback to improve sales effectiveness and overall customer experience.

Key Responsibilities:

• Team Leadership & Branch Coordination
• Recruit, train, coach, and performance-manage a high-performing team of DFS Agents.
• Mentor and guide DFS Agents to ensure skill development, customer-centric selling behaviors, and readiness for role progression.
• Serve as the primary liaison between DFS and branch networks to optimize agent deployment, joint campaigns, and conversion rates.
• Conduct regular performance reviews and provide actionable feedback aligned to both sales results and customer experience outcomes.
• Embed customer feedback and customer experience insights into agent coaching, sales scripts and branch execution plans.
• Conduct regular performance reviews and provide actionable feedback aligned to both revenue delivery and customer experience outcomes.
• Business Development and Market Insights
• Develop and implement a data-driven digital sales strategy to acquire new customers and grow digital product penetration.
• Drive virtual account openings, credit card acquisitions, prepaid card sales, digital lending, and online banking onboarding.
• Lead merchant acquisition for collection solutions, ensuring compliance with recruitment processes and tracking performance.
• Execute targeted “market storm” campaigns in collaboration with branch teams to accelerate customer acquisition.
• Monitor and drive DFS product uptake in branches against agreed KPIs.
• Conduct ongoing market scanning, competitor analysis, and customer needs assessment to inform sales strategies, campaigns, and product positioning.
• Translate market and customer insights into actionable recommendations for management and cross-functional teams.
• Customer Lifecycle Management, Retention & Feedback
• Proactively visit merchants to drive transaction volumes and reduce dormancy below defined thresholds.
• Ensure merchant outlets are fully branded with up-to-date collaterals.
• Support customer education and product utilization campaigns.
• Implement customer feedback channels and ensure timely resolution of customer issues.
• Collaborate with the DFS Head Office team to resolve operational issues affecting DFS business to enhance uptake of DFS innovations at the branch.
• Own and manage the full digital customer lifecycle including onboarding, activation, usage growth, retention, and reactivation of dormant customers.
• Implement structured customer feedback mechanisms (e.g., onboarding surveys, merchant visit feedback, NPS/CSAT tracking)
• Analyze customer feedback, complaints, and use data to identify pain points, root causes, and improvement opportunities.
• Ensure timely closure of customer issues within agreed SLAs and track feedback resolution turnaround times.
• Relationship Management & Customer Experience Ownership
• Manage assigned customer portfolios to build trust, increase engagement, and grow revenue.
• Address customer inquiries within agreed Service Level Agreements.
• Uphold strict confidentiality and data protection standards in all customer interactions.
• Implement structured customer feedback mechanisms (e.g., post-onboarding feedback, merchant visits, issue logs) and ensure timely resolution of customer concerns.
• Act as the single relationship owner for key digital customers and merchants, ensuring proactive engagement and retention planning.
• Develop relationship plans for high-value merchants and customers to increase wallet share and product utilization.
• Track and improve customer experience metrics such as satisfaction scores, retention rates, and engagement quality.
• Compliance & Operational Excellence
• Ensure full adherence to CBK banking guidelines, AML/CFT policies and the Data
• Protection Act, alongside internal policies and regulatory requirements.
• Comply with operational and credit policies during client onboarding and servicing.
• Maintain accurate records of all customer engagements and transactions (call reports).
• Prepare and submit timely performance reports to management.
• Conduct monthly portfolio reviews with line manager to track growth and conversion metrics.
• Collaborate with support functions to enhance process efficiency and customer experience.
• Brand and Support
• Act as a brand ambassador, promoting the bank’s values and digital vision.
• Escalate and resolve customer issues promptly to maintain satisfaction.
• Support bank-wide growth initiatives and strategic campaigns.

Qualifications and Experience

• Bachelor’s degree in Business Administration/ Marketing/ Commerce/ Economics/ Information Systems (with strong commercial exposure) from a recognized institution.
• Minimum of 3 years of sales experience in banking, preferably in digital sales.
• Proven track record in meeting/exceeding sales targets.
• Strong interpersonal skills with the ability to build lasting relationships.
• Excellent communication and presentation skills.
• Confident with the ability to relate to people from varied circumstances and walks of life.
• Awareness of financial services.
• Possess public relations skills in both formal and social gatherings with the ability to establish and maintain effective working relationships with those interacted with in the
• course of carrying out duties.

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Product Officer at Gulf African Bank

Job Purpose:

The Product Officer supports the execution of the Bank’s product strategy through product performance reporting, revenue assurance and concessions review support, product knowledge enablement, and delivery coordination across product initiatives. The role is designed to strengthen operational execution, data-driven decision-making, and internal product alignment.

Key Responsibilities:

Product Performance & Insights

• Produce scheduled product performance packs for priority products and initiatives, including trends, key drivers, insights, and recommended actions.
• Support quarterly product reviews through preparation of review packs, action logs, and tracking of agreed actions to closure.
• Work with Finance, Data/Analytics, Product Owners and Business to reconcile performance data and ensure consistent reporting.
• Maintain structured product KPI dashboards, including key indicators across liabilities, assets, channels and service performance.
• Provide ad-hoc product, channel, segment, revenue and operational analysis as may be required.

Product Knowledge, Content & Enablement

• Administer the Bank’s product knowledge program guided by the Product Manager, including distribution, participation tracking and reporting.
• Maintain an up-to-date repository of product materials (presentations, FAQs, job aids, product summaries, and training guides).
• Identify product knowledge gaps through results analysis and propose targeted refresher sessions and reinforcement actions in collaboration with the Product Manager and Business Heads.
• Support staff enablement through coordination of training sessions, dissemination of materials, and tracking completion where applicable.
• Revenue Assurance, Tariffs, Concessions & Waivers Management
• Maintain and administer the concessions and waivers tracking register, including approvals, validity periods, usage and review dates.
• Prepare concessions/waivers review packs.
• Support revenue assurance exercises by identifying potential pricing leakage, misapplied tariffs, and variances and generate review reports and materials.
• Support preparation of tariff competitiveness comparisons and maintain a refreshed reference pack throughout the year.

Customer Feedback Management Support

• Maintain a simple customer product feedback framework, ensuring consistent capture and categorization of feedback from various sources.
• Support feedback review and generation of insight packs, summarizing themes, frequency, impact areas, and recommended product/process actions.

Delivery and Governance Administration Support

• Support delivery coordination for product initiatives by maintaining initiative trackers, action logs and risk registers.
• Support in product testing/UATs as required.
• Support relevant governance forums and meetings where applicable, including taking minutes, maintaining action
• trackers, and following up on agreed actions.
• Support Product process improvements and enhancements delivered through available resources/tools to achieve increased automation and improved efficiency overall.

Other Duties

• Undertake any other reasonable duties related to product performance monitoring, reporting, governance support and internal enablement, as assigned by the Product Manager from time to time.

Performance Targets:

• Performance targets will be agreed with the Product Manager and signed off in the annual performance contract.

The targets will be based on:

• Timely production of monthly product performance packs and dashboards for priority products.
• Completion of scheduled product reviews and post-implementation review support packs, with action tracking to closure.
• Timely preparation of concessions/waivers registers and review packs, including exception identification and followups.
• Contribution to revenue assurance checks, with documented actions and closures.
• Delivery of the product knowledge program elements as per agreed cadence, including participation tracking, results analysis, and follow-up actions.
• Timely updating and dissemination of product materials and job aids.
• Quality participation in testing/UAT cycles and guided supporting actions in relation to product delivery.
• Consistent capture and reporting of customer feedback.
• Demonstrable contributions to internal process improvements through standardization, documentation quality, and automation support.

Knowledge and Experience required for this Role

• Bachelor’s degree in business, Finance, Economics, Statistics, Information Systems, Computer Science or a related field.
• At least 2 years’ experience in product support, business analysis, digital channels, analytics, service quality, customer service or banking operations role.
• Exposure to banking products and product/project delivery environments is an advantage.

Functional competencies

• Technical/Analytical Skills
• Comfortable with Excel. Familiarity with other Microsoft Enterprise Applications such as Power BI, SharePoint, Forms
• and Power Automate is an advantage
• Comfortable working with structured datasets and producing insights.
• Ability to gather, interpret, and use data to support decision-making

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Gulf African Bank is hiring!

📌 Position: Direct Sales Representatives (DSR) – Eldoret and Coast Region
🗓️ View Job Details: https://lnkd.in/dGX-xyx7

📌 Position: Sustainability Officer
🗓️ View Job Details: https://lnkd.in/d9bvQYhE

Sustainability Officer at Gulf African Bank

Job Purpose

The Sustainability Officer will undertake the development and execution of the Bank’s sustainability and ESG strategy, embedding responsible practices across all operations. This role ensures regulatory compliance, strengthens ESG performance, and drives initiatives that position the bank as a leader in sustainable and responsible banking.

Key Responsibilities:

• Sustainability Strategy & Implementation
• Develop, implement, and continuously refine the Bank’s Sustainability and ESG Strategy in alignment with the corporate strategy.
• Lead sustainability-related strategic initiatives and integrate ESG principles across business units.
• Identify opportunities for innovation in green finance, sustainable operations, and responsible banking practices.
• Support management in integrating sustainability considerations into strategic an commercial decisions.
• ESG Reporting & Compliance
• Coordinate preparation of sustainability and ESG reports, disclosures, and dashboards.
• Ensure compliance with local and international ESG regulations, frameworks, and standards (e.g., IFRS Sustainability Standards, TCFD, GRI).
• Monitor emerging sustainability regulations and risks to advise the business.
• Data Management & Analytics
• Establish and maintain ESG data collection, verification, and reporting systems.
• Track and analyze key sustainability performance indicators and recommend actions for improvement.
• Work closely with Risk, Finance, and Operations teams to integrate ESG metrics into business decisions.
• Stakeholder Engagement
• Engage internal and external stakeholders, including regulators, auditors, partners, and customers, on sustainability matters.
• Support sustainability-related communication and awareness initiatives within the bank.
• Represent the bank in sustainability forums, industry working groups, or partnerships.
• Capacity Building
• Build internal ESG capability through training, guidance, and practical tools.
• Champion a sustainability mindset and culture across the Bank

Qualifications and Experience:

• Bachelor’s degree in Sustainability, Environmental Science, Economics, Finance, Business, or related field.
• A master’s degree or professional certification in sustainability/ESG (e.g., CFA ESG, GRI Certification, Sustainability Management) is an added advantage.
• Minimum 3–5 years of experience in sustainability, ESG, environmental management, corporate strategy, risk, or related fields—preferably within financial services.

Job specific competencies:

• Strong analytical, research, and problem-solving skills.
• Strong analytical, research, and problem-solving skills.
• Excellent written and verbal communication and reporting capabilities.
• Proven ability to manage cross-functional initiatives and influence diverse stakeholders.
• Strategic thinker with strong attention to detail and execution discipline.
• Solid understanding of ESG risks, opportunities, and their implications for the financial sector.
• Proficiency in ESG data analysis, reporting tools, and dashboards

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Branch Operations Manager at Gulf African Bank

The job holder is responsible for the overall management of the Branch operations to achieve and maintain good customer relations, operational efficiency and compliance with operational guidelines and procedures.

Key Responsibilities:

• Vault and ATM/CDM Custodianship – Ensure ATM downtimes are kept at a minimal, and ATM and Vault limits are maintained
• Cash Management: Ensure branch cash holding limits are adhered to, excess overnight cash holding is covered, any cash differences reported and resolved, cash deposited via the CDM is retrieved and posted within the timelines as guided and coordinate cash repatriations
• Custodianship: Act as the second custodian of all bank payment instruments i.e. cheque books, Debit cards.
• Ensure the branch undertakes the various snap checks as guided by Head office operations and Quality assurance functions
• Deputize the branch manager by growing the business Actively promoting customers to uptake and utilization of all bank channels.
• Lead the branch operations team in supporting the branch to achieve its customer retention objectives, acquisition and growth goals.
• Implement audit recommendations pertaining to all the departments under the Branch operation’s jurisdiction.
• Ensure availability of all service delivery channels to ensure customers are kept fully attended to and that expectations are met.
• Conduct daily, weekly and monthly review of branch operations reports to ensure exceptions are acted upon or escalated within acceptable time frames.
• Approve new accounts in line with KYC procedures: Ensure correct and accurate completion of all customer instructions and approve them for further processing at CAM.
• Ensure adherence to all KYC & AML processes with regards to new business and acceptable TAT is always observed.
• Review and/or monitor transactions i.e. withdrawals, deposits, transfers and ensuring that any money laundering and fraudulent activities are identified. Ensuring all accounts transacting above reporting threshold fill in the large cash forms and provide any other documentation as required
• Appraise and promptly address customer issues /complaints escalating as necessary to ensure timely resolution and ensure set TAT on response to customer queries on phone or by letters is strictly adhered to.
• In conjunction with the BM, build and develop a high performing and motivated staff team in the branch by creating a sense of teamwork, a good working environment and regular duty rotations to ensure maximum productivity.
• Ensure branch is opened & closed as per the approved timelines. Operations staff to be ready to serve customers.
• Perform and support the bank on any other checks that improve our operational effectiveness and efficiency.

Skills, Experience and Competencies

Knowledge; Skills and Experience required for this Role

• A University degree (Holders of a Business-related degree will have added advantage).
• Professional Banking Qualification (AKIB) or accounting qualifications will have added advantage.
• Minimum 5 years’ proven working experience in a Banking environment, with sound exposure to Branch Operations & Processes, and customer service role.
• Good understanding of the bank’s systems i.e., the core banking system-iMAL
• Excellent Bank product knowledge.
• Proficiency in core & other banking System
• Proficiency in Microsoft Office Suite

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Relationship Manager- SME at Gulf African Bank

To achieve business growth in the SME segment. The role holder will have a holistic view of all accounts within his/her portfolio, using lead generation and account prioritization to cross sell Bank products and extract value from said portfolio whilst maintaining/ building customer relationship and account information.

Key Responsibilities:

• Acquisition: Business Development
• To ensure growth of Branch SME portfolio (NFI, deposits and assets) through the acquisition of new to Bank customers through the Business sales officers and lead generation
• Actively generates referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity.
• To ensure acquisition of customers to digital channels
• To effectively manage and expand the relationships with existing SME banking clients and bringing in new partnerships from existing portfolio so as to ensure business growth and
• Portfolio profitability (Cross-sell & Retention)
• Grow SME customer portfolio size (Product per customer, Non-funded income, deposits and assets) by deepening existing customer relationships
• Ensure a clear retention plan for overall portfolio deposits and loans for the segment, to execute this plan in conjunction with the Branch Managers.
• Monitor account planning for all clients that will assist in advising on potential financial solutions based on identified needs
• Ensure customers are notified of maturing fixed deposits for appropriate action and encourage retention
• Assist in Resolving client queries in a timely and appropriate manner
• Assist in collaborating with product specialists, to deliver effective customer solutions.
• Ensure Fulfillment of minimum customer relationship touch points – e.g., 1 visit every quarter and 1 call and email a month depending on customer segment
• Assist in growth of given portfolio through the use of desired channels such as the SME Business Hubs/ digital platforms i.e. B2 B
• Prepares and submits all reports may prepare management reports summarizing individual and team loan activity
• Ensure all customers are on-boarded on a digital platform i.e. Gab Pesa, Internet banking
• Ensure Product Per Customer of 5 across the portfolio
• Understand nature of businesses, their life-cycles and the various product offerings that can be given to the customer.
• Evaluate credit proposals and ensure the credit applications process on a timely basis within the Bank’s set turnaround times.
• Customer Service and customer information
• Obtaining account opening documentation from new customers
• Opening of accounts for customers in the system and ensuring minimum required
• information is captured and customer given a CIF number.
• Following up with customers in the portfolio for missing information directors details etc.
• Ensure all customer engagements are recorded accordingly Compliance:
• Ensure compliance with both internal and external regulatory requirements (KYC, AML and other bank processes.
• Continuously follow business operational and credit policies ensuring their compliance.

Qualifications, Experience and Functional competencies

• Bachelor’s degree in any field
• At lease 2-3 years experience in managing clients
• Excellent interpersonal skill
• Excellent communication and presentation skills

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Credit Analyst- Retail at Gulf African Bank

Job Purpose:

• To prepare independent analysis of retail credit reviews and submit summary of analysis for credit review above delegated authority.
• To support the Retail segment asset book growth within acceptable PAR tolerance levels to ensure the product remains profitable.

Key Responsibilities:

• Ensure that all client documentation is complete and up to date
• Ensuring that Shariah-related, Know Your Customer (KYC), Anti-Money Laundering (AML), and other policies are adhered to.
• Ensure Service Level Agreement TAT is adhered to through strict monitoring of files held at Credit.
• Check completeness of documents submitted by the branch managers.
• Immediately inform the Branch/Relationship manager of any document missing (according to the checklist).
• Review inward cheques report and excesses daily reports to ensure that they are appropriately sanctioned and therefore safeguard the bank from financial loss from unauthorized extension of credit.
• Timely analysis of credit applications while ensuring that good quality of the financing assets is achieved.
• Preparation of various management Reports.
• Review of new and existing products as per bank guidelines.
• Operations
• Receive credit applications from relationship managers and branches.
• Prompt and fair allocation of applications in the Credit Pool.
• Compliance
• Ensure compliance with both internal and external regulatory requirements.
• Review and ensure compliance of facilities approved conditions.
• Ensure compliance with Credit policies and procedures at all times.
• Ensure compliance with set SLAs at all times.

Qualifications, Experience and Functional competencies

Qualification and experience

• Bachelor’s degree in an Analytical/Business related field
• 4 years banking experience in a lending function with at least 2 years in credit analysis or business development
• Relevant Shariah policies/ processes knowledge
• Product knowledge
• Relevant Bank policies, e.g. KYC/AML knowledge
• Knowledge of credit analysis

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Graduate Trainee Program

Gulf African Bank Limited is Kenya’s premier Islamic banking institution that is growing and expanding. We are seeking to provide experience required for career growth to fresh graduate.

The Graduate Trainees will get the opportunity to gain practical insight of the financial sector through an intensive 18 Month on-the-job training in various functions in the bank, mentorship programs as well as structured online and in person training.

Key Responsibilities will include:

• Full participation in all the assigned training (s) and attain 80% pass mark for the assessments
• Applying Gulf African banks Policies and procedures on assignments
• Ensuring assigned work is completed within agreed time frames
• Ensuring availability of accurate and timely data on assigned tasks as required
• Share timely reports
• Keeping abreast with key developments in the Banking sector, in order to anticipate client needs, and offer the desired solutions
• Raising any issue(s) with the Line Manager on a timely manner for support
• Work seamlessly with the assigned Line Manager & Mentor

Knowledge and Skills required:

• Age: 21-25 years of age
• KCSE: B+ and above with at least B+ in Mathematics & B+ in English
• Bachelor’s degree in IT or Business relevant field – Attained 2nd class upper division
• (Graduated in 2023/2024/2025)

Requirements:

• Keen interest in developing a career in Banking.
• Demonstrate strong communication and interpersonal skills
• Positive attitude and willingness to learn
• Must have strong analytical skills

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