Retail Credit Quality Assurance Officer at HF Group
HFC Limited, the banking and property finance subsidiary of
HF Group, has an exciting opportunity in our Retail Department. We are seeking
a talented, dynamic, self-driven, and results-oriented individual who is
committed to performance, excellence, and participating in our growth strategy.
The Retail Credit Quality Assurance Officer will be
responsible for supporting the business by performing call back verification
and gating function for quality of loan applications from branches. The job
holder will ensure there is high level of processing applications to filter out
fraudulent and suspicious applications.
The job holder will have overall responsibility of ensuring
quality checks are done on personal banking applications and ensuring there is
efficiency in handling the applications and management controls are in place.
The job holder will also provide advice measures to mitigate risks associated
with fraudulent and suspicious personal banking applications.
Principle Accountabilities
Relationship Management
- Provide
interface between Credit analysis, Bank assurance and Scheme
administration
- Support
the Business teams in serving their customers in a timely manner by giving
prompt feedback.
- Providing
quality feedback and reports on status of returned applications
highlighting areas of concern and improvements.
- Engage
with the Scheme Companies to ensure proper confirmation of employee
documents submitted for timely Loan processing.
- Maintain
the Scheme Lists and contact details
Credit Governance & Assurance
To ensure that proper checks are done on KYC documentation
and call back as per policy through;
- Ensuring
loan applications have complete and valid KYC documentation in
place.
- Details
on KYC documentations tally with other loan documents provided and in
cases where they don’t, proper supporting documents/explanations have been
provided.
- Ensuring
KYC documentation have been properly certified by the respective branch.
- Performing
call backs on loan documents which include introduction letters, bank
statements, pay slips, change of pay points etc.
- Undertake
physical visits to the Employers’ offices where applicable.
To ensure that proper checks are done on KYC documentation
and call back as per policy through;
- Ensuring
loan applications have complete and valid KYC documentation in place.
- Details
on KYC documentations tally with other loan documents provided and in
cases where they don’t, proper supporting documents/explanations have been
provided.
- Ensuring
KYC documentation have been properly certified by the respective branch.
- Performing
call backs on loan documents which include introduction letters, bank
statements, pay slips, change of pay points etc.
- Undertake
physical visits to the Employers’ offices where applicable.
- To
ensure there is efficiency in processing personal banking loans in order
to bring personal banking Turn over Time to less than 1 days through;
- Progressing
scheme Unsecured Personal Loans within 6 hours.
- Progressing
Non-Scheme Unsecured Personal Loans within 9 hours.
- Progressing
scheme Secured Personal Loans within 6 hours.
- Progressing
Non-scheme secured Personal Loans within 9 hours.
- Ensuring
there is an up to date register for contact details of scheme and approved
companies.
To ensure there is up to date contact list and signatories
for scheme and approved companies through;
- Maintaining
up to date register and custodianship for list of approved signatories for
scheme and approved companies.
- Continuously
updating contact details for approved signatories for scheme and approved
companies.
To carry out high level checks to reduce on the number of
reworks from risk back to the governance team through;
- Ensuring
applications have complete documents and are thoroughly processed.
- Performing
call back on loan documents.
- Coordinating
with sales team and highlighting areas that need improvement.
To provide enough support to support on branch applications
to reduce reworks to branches through;
- Sharing
regular, daily and Monthly reports sharing that highlight areas that need
training and process improvement.
- Identifying
training needs and escalating the same to credit team.
Operations & Audits
- Ensure
compliance with all credit policy guidelines.
- Follow
through with transactions to the end.
- Handle
audit queries emanating from the credit governance process.
- Championing
implementation of credit processes that improve efficiency in the
department.
- Identify
training needs on loan applications processing to reduce reworks and
improve TAT.
- Monitor
turnaround time on requests for applications coming from sales team and
the processing time between Credit Analysis and Evaluation.
- Tracking
of applications at conveyancing stage to ensure timely response by the
concerned business team and meet the customer promise.
Revenue generation & Cost Management
- Minimizing
NPLs by ensuring there is no fraudulent and suspicious loan applications
that are on boarded.
- Supporting
the RMs to achieve set income targets (Interest income and Non-interest
income).
- Manage
office costs within reasonable levels.
- Cross
sell bank products through email, phone call and physical call backs.
- Push
on products that deliver quick income.
Key Competencies and Skills
- Excellent
written and oral communication skills.
- Excellent
interpersonal skills with the ability to effectively work with individuals
and groups at all organization levels; ability to work independently and
as part of a team.
- Excellent
customer service skills with the ability to respond to inquiries or
complaints effectively and timely.
- Ability
to take initiative and prioritize tasks; good time-management,
organization, problem-prevention and problem-solving skills.
- Basic
analytical ability with active listening skills.
- Ability
to work accurately with close attention to detail; must have eye for
details, strong ability to scrutinize and examine.
- Ability
to maintain confidentiality of sensitive information.
- Willingness
to adapt to changing business needs and deadlines.
- Professional
Qualifications:
- CPA /
ACCA qualification.
Work Experience:
- 3-5
years banking experience 2 of which must have been in loans
administration.
- Knowledge
of Credit and Operations.
- Computer
/IT skills, including knowledge of Microsoft office applications e.g.
Word; Excel; PowerPoint etc.
- General
knowledge in banking processes.
Relationship Manager – Business Banking at HF Group
Principle Accountabilities
- Ensure
growth of the branch asset & liability books and profitability by
working with and directing the branch sales team on activations, portfolio
management, strategy adoption, customer visits and sales activities in
general
- Monitor
non-performing loans and manage the same.
- Setting
up the branch business development strategy in line with company strategy
and preparation of relevant reports to monitor and review performance
- Ensure
optimum team productivity and identify training needs of the team.
- Cross-selling
of HFC Banks products by establishing new relationships in order to grow
both assets and liabilities book.
- Maintaining
customer relations by regular contact to ensure customer satisfaction and
business continuity
- To
review accounting opening forms and loan applications by scrutinizing the
documents to ensure they are KYC Compliant.
- To
check data entry by verifying the data captured against source documents
to ensure accuracy in data capture.
- To
analyze loan applications by interviewing the customers.
- To
identify customers’ borrowing needs by interviewing so as to ensure
selling of the right products.
Key Competencies and Skills
Technical and General Competencies:
- Technical
competencies: selling skills, analytical skills, negotiation
skills, supervisory skills, IT Skills, report writing, communication
skills and Product knowledge
- General
competencies: Team Work, Listening skills
Minimum Qualifications, Knowledge and Experience
EXPECTED MINIMUM QUALIFICATION
- Education: A
Business related degree
- Experience: 3
years in Banking Industry
Senior Relationship Manager, Real Estate Value Chain Sector at HF Group
Principle Accountabilities
Strategy
- Responsible
for developing a detailed strategy that would enable him/her grow and
maintain a customer portfolio that will ensure the delivery of the
business targets in accordance with the Department’s annual performance
plans.
- Support
the drive of growth and opportunities in the assigned sectors.
- Responsible
for managing a portfolio of business banking customers, with
accountability for sales, service, risk and operational delivery and
acquisition of new to bank customers.
Business Development
- Responsible
for effectively executing all the agreed business development and growth
strategies in accordance with the long, medium- and short-term plans of
the Bank and as set by the Head of Business Banking. This will be done
through active portfolio management and development by maintaining &
growing existing income sources and meeting set targets for new business.
Credit
- Responsible
for building a high-quality client portfolio by effectively managing
clients across the entire financing cycle.
Customers / Stakeholders
- Deliver
a high-quality service by owning customer engagement, striving for
excellence in all interactions with (prospective) customer or other
professionals, and always acting according to the highest professional
standards.
- Ensure
that client plans are co-ordinated and the respective support teams are in
place with Critical Account objectives accepted, where applicable.
- Take a
proactive approach to client planning across the portfolio collaborating
with product partners and senior management, as appropriate.
- Establish
an effective working relationship with the Risk Management teams, in order
to validate the accuracy of the customer risk profile.
- Ensure
early identification of problem relationships and act where there are
potential and existing problem accounts to protect HFC interests.
Portfolio management and Collection
- Conduct
review of the sector performance, addressing key mitigants and growth
opportunities in the sectors.
- Conduct
consistent monitoring of deals to prevent defaults on client’s payment,
alterations in the client’s business, and to be aware of forthcoming
client’s financial needs.
- To
continuously be reassessing risks associated with the sector the client is
in and inherent in the business, taking account of changing economic or
market conditions, legal and regulatory requirements, operating procedures
and practices, management restructurings
- Contact
the client immediately (meeting him/her in person if required) in the
event of non-payment of a facility installment, and, if not resolved, take
subsequent actions to recover credit in arrears according to Bank
procedures.
- Monitor
facility accounts in arrears and work with the relevant Bank staff to
reduce the portfolio at risk, and work with the Collections Unit to
develop and implement recovery processes.
Operations/Compliance
- Responsible
for ensuring that his/her assigned portfolio is in compliance with Bank
policies.
Key Competencies and Skills
- Technical
competencies: selling skills, analytical skills, negotiation skills,
supervisory skills, IT Skills, report writing, communication skills and
Product knowledge
- General
competencies: Team Work, Listening skills, Decision making
skills, Accountability, Relating & networking skills, business acumen,
Delivering results and meeting customer expectations, Verbal & written
communication.
Minimum Qualifications, Knowledge and Experience
Education
- Business
related degree from an accredited university preferably with a major in
Finance, Marketing and/or Economics;
Experience
- At
least five (5) years’ experience in banking, with proven experience of at
least two (2) years in a similar position or at least 3 years banking
experience and sales/marketing background, where he/she managed a
portfolio of Business or Commercial/Corporate Banking clients.
- Experience
managing borrowing customers and analyzing financing proposals, especially
for Business clients.
Senior Relationship Manager, Water & Energy Sector at HF Group
Principle Accountabilities
Strategy
- Responsible
for developing a detailed strategy that would enable him/her grow and
maintain a customer portfolio that will ensure the delivery of the
business targets in accordance with the Department’s annual performance
plans.
- Support
the drive of growth and opportunities in the assigned sectors.
- Responsible
for managing a portfolio of business banking customers, with
accountability for sales, service, risk and operational delivery and
acquisition of new to bank customers.
Business Development
- Responsible
for effectively executing all the agreed business development and growth
strategies in accordance with the long, medium- and short-term plans of
the Bank and as set by the Head of Business Banking. This will be done
through active portfolio management and development by maintaining &
growing existing income sources and meeting set targets for new business.
Credit
- Responsible
for building a high-quality client portfolio by effectively managing
clients across the entire financing cycle.
dCustomers / Stakeholders
- Deliver
a high-quality service by owning customer engagement, striving for
excellence in all interactions with (prospective) customers or other
professionals, and always acting according to the highest professional
standards.
- Ensure
that client plans are coordinated and the respective support teams are in
place with Critical Account objectives accepted, where applicable.
- Take a
proactive approach to client planning across the portfolio, collaborating
with product partners and senior management, as appropriate.
- Establish
an effective working relationship with the Risk Management teams, in order
to validate the accuracy of the customer risk profile.
- Ensure
early identification of problem relationships and act where there are
potential and existing problem accounts to protect HFC interests.
Portfolio management and Collection
- Conduct
review of the sector performance, addressing key mitigants and growth
opportunities in the sectors.
- Conduct
consistent monitoring of deals to prevent defaults on client’s payment,
alterations in the client’s business, and to be aware of forthcoming
client’s financial needs.
- To
continuously be reassessing risks associated with the sector the client is
in and inherent in the business, taking account of changing economic or
market conditions, legal and regulatory requirements, operating procedures
and practices, management restructurings
- Contact
the client immediately (meeting him/her in person if required) in the
event of non-payment of a facility installment, and, if not resolved, take
subsequent actions to recover credit in arrears according to Bank
procedures.
- Monitor
facility accounts in arrears and work with the relevant Bank staff to
reduce the portfolio at risk, and work with the Collections Unit to
develop and implement recovery processes.
Operations/Compliance
- Responsible
for ensuring that his/her assigned portfolio is in compliance with Bank
policies.
Key Competencies and Skills
Technical competencies:
- Selling
skills
- Analytical
skills
- Negotiation
skills
- Supervisory
skills
- IT
Skills
- Report
writing
- Communication
skills
- Product
knowledge
General competencies:
- Team
Work
- Listening
skills
- Decision-making
skills
- Accountability
- Relating
& networking skills
- Business
acumen
- Delivering
results and meeting customer expectations
- Verbal
& written communication.
Minimum Qualifications, Knowledge and Experience
Education
- Business-related
degree from an accredited university, preferably with a major in Finance,
Marketing and/or Economics;
Experience
- At
least five (5) years’ experience in banking, with proven experience of at
least two (2) years in a similar position or at least 3 years banking
experience and sales/marketing background, where he/she managed a
portfolio of Business or Commercial/Corporate Banking clients.
- Experience
managing borrowing customers and analyzing financing proposals, especially
for Business clients.
Head, Financial Planning & Controls at HF Group
Principle Accountabilities
Budgeting, Forecasting & Performance Management
- Lead
the budgeting, forecasting, and long-term financial planning processes.
- Oversee
monthly and quarterly performance reviews, variance analysis, and business
insights for senior management.
- Ensure
timely preparation and distribution of monthly rolling forecasts for
business units and legal entities.
- Partner
with business units to provide financial analysis and advisory support for
strategic projects and investments.
- Ensure
timely and accurate segment reporting.
- Own
intra-company cost allocation frameworks and models.
- Own
inter-company cost recharge frameworks and models and ensure tax
efficiency.
Balance Sheet & Capital Management
- Manage
balance sheet planning and capital optimization, including liquidity
optimization in collaboration with Treasury and GM Finance.
- Ensure
that the bank has an effective ICAAP.
- Own
the Funds Transfer Pricing (FTP) processes.
- Oversee
preparation of ALCO, EXCO and board papers.
- Prepare
debt funding pitch decks
Financial Controls & Governance
- Drive
cost management initiatives, ensuring efficiency and alignment to
strategic objectives.
- Develop
and maintain financial control frameworks across functions.
- Build
strong financial governance processes that support compliance with
internal policies and regulatory requirements.
- Ensure
timely departmental policies reviews.
- Oversee
model governance for all models developed and managed in Finance.
- Perform
and oversee revenue assurance.
- Maintain
and update KPIs tracker for the Finance division.
Accounts Payable, Receivable & Reconciliations
- Ensure
vendors are paid timely and with optimal credit terms.
- Ensure
GL reconciliations are timely and that outstanding issues resolved
promptly.
- Ensure
that the trial balance (TB) can be relied upon by all users.
- Ensure
accuracy of the Fixed Asset Register and its associated depreciation
schedules
- Ensure
accurate maintenance of receivables records and reconciliations
Financial Information System
- Ensure
implementation of set system improvements (SAP and its integrations)
- Collaborate
with IT to ensure EoD processes are supportive of finance processes
- Ensure
GL variance between systems is resolved on a timely basis
Decision Support
- Ensure
timely and accurate preparation of dashboards and KPIs.
- Provide
thematic guidance to modelling teams.
- Strengthen
finance business partnership.
- Review
quarterly competitor analysis and present to management.
- Create
a roadmap for Robotic Process Automation (RPA) in Finance and collaborate
with Innovations and IT teams.
Audits
- Facilitate
internal audits
- Collaborate
with Head of Financial & Regulatory Reporting to facilitate external
audits
- Ensure
closure of internal and external audit findings
Team Management
- Design
a talent development program for the team
- Ensure
time performance measurement and management for the team
- Mentor
the team
Ad-hoc
- Any
other duty as assigned from time to time by the Finance and HFC leadership
Key Competencies and Skills
- Results-oriented
- Strong
negotiation skills
- High
emotional intelligence
- Excellent
interpersonal skills
- Highly
analytical
- Problem
solving skills
- Good
communicator & excellent presentation skills
- Team
player
Minimum Qualifications, Knowledge and Experience
Academic and Professional
- A
business-related degree from a reputable institution preferably Finance,
Accounting, Banking, data science or a related quantitative field.
- CPA(K)
- CFA,
FRM, FRR, CIFA certifications will be an added advantage
Experience and Technical Skills
- A
minimum of 12 years’ experience in banking with hands on experience
finance, internal audit, external audit, financial risk management,
strategy.
- 4
years should be at management level.
- Hands
on experience in finance leadership
- Experience
in board relations
- Experience
in CBK relations
Manager, Financial Planning & Analysis at HF Group
Principle Accountabilities
- Assist
in development of the annual budget and the medium-term strategic plan
- Ensure
timely budget variance reporting to all the departments
- Preparation
of ALCO, EXCO and board papers
- Supporting
ALM decisions with analysis and modeling
- Updating
and revising asset pricing models
- Revenue
assurance
- Monitor
the cash holding across the branch network for liquidity optimization
- Ensure
continuous revenue assurance and recommend opportunities to grow and
diversify the business unit revenue
- Preparation
and timely distribution of segment reports to various departments
- Prepare
the monthly and annual budgets and rolling forecast for the business units
and legal entities highlighting drivers expected to impact the business
and the corrective actions required
- Automating
Finance Processes- Robotic Process Automation
- Business
performance analysis and presentation/sharing thereof to the leadership
teams
- Together
with other departments develop the annual ICAAP
- Help
the head of unit to implement and monitor prudential capital management by
setting capital KPIs for capital consumers and aligning ICAAP process with
actual business strategy
- Championing
the FTP processes
- Supporting
partnerships between business unit and the finance department across all
the departments
- Budgeting
and Budget control- Ensure the annual budgeting is done and continuously
ensure budgetary discipline is adhered to by all departments
- Conducting
cost/benefit analysis as required and preparing comparative, analytical
reports on the performance of the bank, Group and branches and reporting
results to executive and management staff.
- Conduct
quarterly competitor analysis
- Any
other duty as assigned from time to time by the Finance and HFC leadership
Key Competencies and Skills
General Competencies
- Results
oriented
- Excellent
interpersonal skills
- Highly
analytical
- Problem
solving skills
- Good
communicator & excellent presentation skills
- Team
player
Minimum Qualifications, Knowledge and Experience
Academic & Professional
- A
business-related degree from a reputable institution preferably Finance,
Accounting, Banking, data science or a related quantitative field.
- CPA(K)
- CFA,
FRM, FRR, CIFA certifications will be an added advantage
Experience & Technical
- A
minimum of 7 years’ experience in banking with hands on experience in
performance measurement and management, finance or financial risk
management.
- 2
year should be at supervisory or management level.
- Hands
on experience in financial planning or performance management
- Experience
in senior management relations
- Strong
appreciation of accounting principles
- Excellent
Ms Excel skills
- Strong
Data & BI skills including SQL, EDW, PowerBI, Python, R
- Team
and or People Management
Client Service Manager -Diaspora Banking at HF Group
Principle Accountabilities
- Customer
Experience
- Manage
all escalations related to diaspora support.
- Identify
customer needs not met by existing products and the implementation of new
products and services.
- Utilize
the customer relationship management system aimed at customer acquisition,
retention and maximizing on every relationship.
- Manage
the diaspora customer email -diaspora@hfgroup.co.ke
- Ensure
customers are well supported on e-channels uptake to promote utilization.
- Ensure
first contact resolution for all queries directed to you.
- Achieve
departmental NPS score of 60.
- Collate
customer feedback through interviews and online surveys to ensure that we
meet customer expectations.
- Follow-up
on diaspora SLAs and TAT
- Notify
client about deposit renewals
- Financial
Performance
- Educate
clients on the features and benefits of all products
- Cross
sell products to clients based on the needs.
- Support
the diaspora Relationship Managers with account opening, loan processing,
customer transactions and handling customer queries
- Operational
Effectiveness and Support
- Assist
in management of NPL for diaspora segment in collaboration with RMS.
- Assist
plan for diaspora engagements including webinars, activations, trips and
events.
- Close
gaps/lapses identified; take corrective and preventative actions
identified by audit, risk and compliance reviews; investigations or other
assessment mechanisms within the agreed time frame.
- Prepare
and submit reports to the relevant stakeholders within agreed format and
timelines
- 100%
adherence to policies, procedures and statutory guidelines. Minimize
exposure to bank wide risks; enforce zero tolerance to non-compliance with
KYC and AML regulations
- Achieving
a ‘Good’ audit rating for the Diaspora Banking Proposition ensuring prompt
thorough closure of all audit exceptions sited.
- People,
Learning and Growth
- Proactively
manage own learning and development.
- Deliver
performance objectives set. Institute immediate corrective action where
performance is below par.
- Championing
team training on matters related to homeward proposition.
Key Competencies and Skills
- Technical
Competencies
- Knowledge
of Banking and Business Operations:
- Compliance
and Regulatory Framework:
- Conceptual
and Analytical Skills:
- Product
Knowledge
- Business
Acumen
- Financial
Acumen
- Customer
Engagement (internal & external)
- Digital
- Leadership
- Commercial
Banking
- Industry
Knowledge
- Credit
Analysis
Minimum Qualifications, Knowledge and Experience
Academic:
- Bachelor’s
degree from a recognized accredited university.
- Certificate
of Proficiency in Insurance (COP) will be an added advantage.
- Being
a CISI fellow is an added advantage.
Professional:
- 3-4
years’ working experience in a Customer Management role.
- In-depth
knowledge of the local and Diaspora Banking industry, banking products,
banking services and banking regulations. Sound working knowledge and
understanding of general commercial regulations and practices.
- Appreciation
of Diaspora Banking as a proposition.
- Interaction/Understanding
of CRM tools.
Property Sales Manager – Affordable Housing at HF Group
Principle Accountabilities
Sales Leadership
- Lead
recruitment, onboarding, training, coaching, and mentoring of a
high-performing sales team (digital team sales leaders and digital
property sales advisors).
- Set
clear individual and team sales goals, empowering teams to achieve set
targets.
- Oversee
daily team huddles using CRM dashboards and hold weekly one-on-one
sessions and growth plans with direct reports.
- Manage
productivity, performance, and consequence management for direct and
indirect reports in line with set turnaround times (TATs).
- Foster
a positive team culture built on collaboration, accountability, and
continuous improvement.
Marketing & Business Development
- Establish
and operationalize affordable housing site offices to drive on-ground
sales and client engagement.
- Set
up Affordable Housing Desks in each branch as dedicated client
touchpoints.
- Design
and implement annual marketing calendars with campaigns, activations, and
events aligned to project timelines and targets.
- Develop
strategic sales playbooks, brochures, scripts, and presentations to
support lead generation and conversion.
- Monitor
and analyze global and local real estate market trends, competitor
activities, and advise management on emerging opportunities.
- Collaborate
with marketing, operations, admin, finance, and project management teams
to deliver aligned business initiatives.
Operations & Compliance
- Oversee
and ensure effective use of the CRM system to track, manage, and optimize
customer interactions and sales data.
- Train
team members on CRM best practices to ensure accurate and timely data
entry for insights and improved customer engagement.
- Ensure
compliance with local laws, regulations, and company policies such as KYC,
AML, and risk & compliance standards.
- Act as
the point of escalation for client issues, resolving concerns promptly to
maintain satisfactory audit ratings and an NPS above 70%.
Stakeholder Engagement & Reporting
- Build
and maintain strong relationships with key stakeholders including
customers, vendors, regulators, and internal teams.
- Travel
to project sites and branches for site visits, activations, events, and
networking as needed.
- Collaborate
with cross-functional bank teams to cross-sell mortgages, current and
savings accounts, digital financing solutions, and other bank products.
- Provide
regular reports to senior management on sales progress, project
performance, and achievement of affordable housing targets.
Key Competencies and Skills
Technical Competencies
- Proven
work experience as a Property Sales Manager or equivalent.
- Knowledge
of CRM software and Microsoft Office Suite.
- Experience
with Boma Yangu Portal will be an added advantage.
- Solid
customer service attitude with excellent negotiation skills.
- Knowledge
of KYC/AML compliance requirements.
- Knowledge
of TCF (Treating Customers Fairly) principles.
- Astute
product knowledge.
- Commercial
acumen and prospecting skills.
- Analytical
skills.
- Capability
of managing multiple teams across multiple projects.
Leadership Competencies
- Performance
Management.
- Strategic
orientation.
- Stakeholder
influence and management.
- Result
orientation.
- Strong
communication and team management skills.
- Strength
in problem solving, issue-resolution and ability to work in a
deadline-driven work environment.
Minimum Qualifications, Knowledge and Experience
Academic & Professional
- Bachelor’s
Degree in a Business-related field or any relevant field.
- Membership
with Estate Agents Registration Board is critical requirement.
Experience
- A
minimum of 7 years of relevant sales experience, 3 of which must be in a
team management role.
- Proven
and successful ability to lead a group of sales personnel towards growth
in enhanced sales volumes and enhanced revenue generation.
- Experience
in handling clients across all the income bands.
- Own
database of potential leads built over time.
Team Leader – Bancassurance DSR at HF Group
Principle Accountabilities
Business planning and growth
- Drive
achievement of set targets through customer growth and retention across
all lines.
- Plan,
drive and monitor the Banca sales strategies through segment focus,
customer focus needs-based selling.
- Develop
and refine sales toolkits, client materials and training to reflect the
various target proposition.
- Performance
Management- Run daily, weekly and monthly reviews with the sales staff to
ensure the Teams are constantly engaged and ahead of targets.
- Cost
management and Revenue Generation.
- People
management.
- Implement
effective HR standards and strategies, manage succession plan, and retain
key talent, constant discipline in performance management.
- Motivate,
Coach and Energize the sales staff positively to deliver the best results.
- Engage
the team in constant Training to address training needs, implement
training road maps to ensure an engaged Team.
Operational risk controls and procedure
- Implement
processes to prevent mis-selling, misrepresentation, fraud and adherence
to customer data confidentiality principles.
- Ensure
the team adheres to all KYC guidelines and procedures, comply with local
regulatory requirements, reflect best practices.
- Ensure
the team complies with all applicable money laundering prevention
procedures and, in particular, report any suspicious activity to the
Principal Officer.
- Tracking
and monitoring of TAT for the segment and working with stakeholders to
ensure targets are met.
People Management & administration
- Manage
the sales staff by providing ongoing individual coaching and training to
assure ensure achievement of sales goals, member retention and deepening
member relationships.
- Continuous
review & appraisal of sales staff performance and immediate corrective
action.
- Ensure
sales staff are motivated for maximum productivity.
- Cultivate
a team culture that enhances support for each other to ensure overall
productivity.
- Arrange,
conduct or recommend appropriate training for branch staff to enable them
carry out their duties effectively & efficiently.
- Ensure
discipline and adherence to staff code of ethics by sales staff.
- Ensure
planned leave schedule & execution for branch sales staff.
Key Competencies and Skills
- Computer/IT
skills, including knowledge of Microsoft office applications e.g., Word;
Excel; PowerPoint etc.
- General
knowledge in banking processes.
- Experience
business development, negotiation, and relationship management skills.
- Excellent
written and oral communication skills.
- Excellent
interpersonal skills with the ability to effectively work with individuals
and groups at all organization levels; ability to work independently and
as part of a team.
- Excellent
customer service skills with the ability to respond to inquiries or
complaints effectively and timely.
- Ability
to take initiative and prioritize tasks; good time-management,
organization, problem prevention and problem-solving skills.
- Basic
analytical ability with active listening skills.
- Ability
to work accurately with close attention to detail; must have eye for
details, strong ability to scrutinize and examine.
- Ability
to maintain confidentiality of sensitive information.
- Willingness
to adapt to changing business needs and deadlines.
Minimum Qualifications, Knowledge and Experience
Academic & Professional
- Bachelor’s
degree in Business, Finance, Insurance, Banking, Economics, or a related
field from a recognized institution.
- Certificate
of Proficiency is mandatory.
Experience
- Minimum
of 3 years’ experience in sales management within the Insurance Industry.
- In
depth knowledge of bancassurance products, insurance regulations, and the
banking environment.
- Demonstrate
ability to drive business growth, portfolio expansion and profitability.
Manager – Financial Reporting at HF Group
Principle Accountabilities
Management Reporting
- Ensure
end of month processes and procedures are adhered to and period close done
as per the policy
- Ensure
efficient and effective accruals for costs yet to be booked by the last
day of each month
- Prepare
the management reports for the Bank
- Ensure
end of year processes and procedures are adhered to and year close done as
per the policy
- Performing
monthly comparative statistical analyses of financial numbers, following
up on unusual variances with respective branch heads, and preparing
written explanation of the major variations to the CFO
Financial Reporting
- Coordinate
the Preparation of financial reports to senior management and the board.
- Collaborate
in preparation of Audited financial reports for all Group entities and the
submission to all relevant regulatory bodies
- Provide
guidance on accounting requirement (IFRS) for exotic and vanilla financial
products
- Facilitate
cross-functional learning programs on new accounting, reporting
requirements
Coordination of HFC internal and external audits
- Ensure
Audit schedules requested by the Auditors are timely provided.
- Articulate
management judgement to external and internal auditors on reporting
standards and regulatory guidelines
- Handle
Audit queries are handled and where necessary escalations done.
- Assist
to close finance related matters raised by external auditors.
Key Competencies and Skills
- Analytical
Skills
- Detail
Oriented
- Organizational
Skills
- Accounting
Principles
- Regulatory
Compliance
- Analytical
Thinking
- Project
Management
- Ethics
and Integrity
- Adaptability
Minimum Qualifications, Knowledge and Experience
Academic
- Degree
in business-related field
- CPA(K)
- Registered
member of the ICPAK
Experience
- At
least 5 – 7 years’ experience in financial reporting
- Advanced
Ms Excel proficiency
- Good
understanding of Basel Accords
- Excellent
knowledge of accounting standards
- Good
understanding of CBK PGs
- Excellent
analytical skill
- Ability
to meet stringent deadlines
- Good
negotiation and interpersonal skills
- Experience
in external audit for banks will be an added advantage
Security Operations Centre Analyst at HF Group
Principle Accountabilities
- Monitor
and analyze security events and alerts generated by the company’s security
tools, such as SIEM (Security Information and Event Management) systems.
- Respond
to and investigate security incidents, including malware infections,
phishing attempts, unauthorized access, and other potential threats.
- Conduct
in-depth analysis of security events to determine root causes and assess
potential impacts.
- Collaborate
with IT and other departments to resolve incidents and implement
preventative measures.
- Perform
vulnerability assessments and penetration testing to identify potential
weaknesses in the network or systems.
- Stay
updated on emerging security threats and recommend improvements to enhance
the company’s security posture.
- Create
detailed reports on security incidents, trends, and mitigation strategies
for management and technical teams.
- Ensure
compliance with relevant security standards and regulations, such as GDPR,
ISO 27001, and NIST.
- Participate
in the development and enhancement of security policies, procedures, and
best practices
Key Competencies and Skills
The ideal candidate will have hands-on experience in
cybersecurity, strong analytical skills, and familiarity with various security
tools and protocols. General Competencies
Minimum Qualifications, Knowledge and Experience
Academic & Professional
- Bachelor’s
degree in Cybersecurity, Information Technology, Computer Science, or a
related field.
- Certifications
such as CompTIA Security+, CEH (Certified Ethical Hacker), or CISSP are
highly desirable.
Experience
- Proven
experience as a SOC Analyst or in a similar cybersecurity role.
- Strong
understanding of network security, endpoint security, and threat detection
techniques.
- Experience
with security tools such as SIEM platforms (Splunk, IBM QRadar, etc.),
firewalls, IDS/IPS, and antivirus software.
- Familiarity
with incident response, forensic analysis, and malware investigation.
- Knowledge
of scripting and automation for security tasks (Python, Bash, etc.) is a
plus.
- Strong
problem-solving and analytical skills with attention to detail.
- Excellent
communication and teamwork skills, with the ability to collaborate across
departments.
- Ability
to work in a fast-paced environment and handle multiple security events
simultaneously.
Director – Strategy & Business Performance at HF Group
Principle Accountabilities
Corporate Strategy & Execution
- Lead
the design, refresh, and implementation of the Group’s corporate strategy.
- Cascade
strategic goals into divisional plans, KPIs, and performance scorecards.
- Ensure
alignment between the Group’s long-term vision and operational execution.
- Monitor
external trends and advise the executive team on strategic adjustments.
Growth, Innovation & Transformation
- Identify
new growth opportunities across business lines, markets, and channels.
- Partner
with the COO and Innovation Director to drive the Group’s innovation and
digital transformation agenda.
- Encourage
experimentation, rapid prototyping, and continuous improvement.
- Oversee
strategic project portfolio, ensuring alignment with priorities and ROI.
Business & Financial Performance
- Track
Group performance against strategy using robust dashboards and KPIs.
- Collaborate
with the CFO and CRO to ensure financial sustainability and risk balance.
- Optimize
cost structures, operating models, and channel strategy for efficiency.
Data & Analytics Leadership
- Spearhead
enterprise-wide data and analytics strategy and governance.
- Promote
data-driven decision-making through insights, predictive analytics, and
automation.
- Oversee
development of performance scorecards, customer insights, and operational
analytics.
Research & Market Intelligence
- Lead
research into industry trends, competition, regulatory shifts, and
customer behavior.
- Translate
research insights into actionable recommendations.
- Guide
corporate development, M&A, and new business model design.
Strategic Partnerships & Stakeholder Engagement
- Engage
development finance institutions (DFIs), impact investors, and regulators.
- Support
strategic communications with the board, shareholders, and external
partners.
- Coordinate
capital raising and blended finance efforts aligned with strategic
priorities.
ESG & Sustainability
- Integrate
ESG and climate risk into Group strategy and operations.
- Drive
adoption of sustainable finance instruments (e.g., green bonds, ESG-linked
loans).
- Align
the Group with global ESG disclosure frameworks and impact metrics.
Change Management & Culture
- Lead
major transformation programs, ensuring organizational buy-in and
sustained impact.
- Develop
and implement change management frameworks.
- Foster
a culture of agility, innovation, accountability, and continuous learning.
Key Competencies and Skills
- Strategic
Foresight & Planning: Ability to synthesize complex
information into actionable strategic plans and anticipates future trends
and translates them into business opportunities.
- Business
Acumen: Assesses the commercial viability of new business and
financial opportunities, proactively looks for breakthrough opportunities
that will dramatically generate new returns and seizes opportunities to
build revenues and maximize profitability.
- Leadership
& Influence: Strong executive presence with ability to align
cross-functional teams and influence stakeholders at all levels.
- Innovation
& Digital Fluency: Deep understanding of digital
transformation, emerging technologies, and innovation processes.
- Analytical
& Data-Driven Decision Making: Strong quantitative and
qualitative analytical skills. Proficient in working with data science,
financial models and business analytics tools.
- Execution
& Results Orientation: Demonstrated track record of driving
performance improvement and delivering outcomes.
- Stakeholder
& Relationship Management: Excellent communication,
negotiation, and stakeholder engagement skills.
Minimum Qualifications, Knowledge and Experience
- Master’s
degree in Business Management, Strategy, Innovation, Technology Management
or a relevant field.
- Over
10+ years’ working experience, 5+ of which will be in a Senior management
position.
- Proven
experience in strategic planning, innovation strategy or technology
leadership roles.
- Proven
ability to navigate in enabling enterprise-wide digital transformation,
re-imagining business models, and leveraging emerging technologies.
- Track
record of attaining targets of business growth and profitability in the
financial services / banking sector and/or in FMCG sector.
- Have
appreciation and operating knowledge of the local and regional financial
services industry, market and global trends and challenges.
- Sound
understanding of statutory and regulatory requirements of corporate
governance, business and financial services.