Internship | Job Vacancies at Sidian Bank

Regional Manager – Coast Region at Sidian Bank

JOB PURPOSE

The job holder will responsible for identifying new business opportunities and growing business through the branch network in all areas of Branch Banking. He/she will also help in identifying suitable partnerships that provide business opportunities in branches and also provide administrative support for the departmental HQ activities.

KEY RESPONSIBILITIES

• Business Development
• Monitoring and Reporting
• Market Intelligence
• Risk & Compliance

Business Development

• Enhance profitability of existing and new client relationships by promoting new products and product enhancement;
• Actively market and develop the Branch Banking and Partnership products to existing and prospective clients within the branch location;
• Continuously conduct market research and competitor analysis to identify new business opportunities. 
• Manage relationships of key accounts while tapping on their share wallet through cross selling at least 5 products.
• Maintain a comprehensive understanding of the branch customers business plans, financial projections and support requirements.

Monitoring and Reporting

• Monitor the performance of Branch Banking and partnerships to ensure that they operate according the agreed lending terms.
• Provide management with periodic updates on performance of Branch Banking and partnerships to guide management in decision making. 
• Provide regular call reports for all facilities to enhance our Monitoring & Evaluation.

Market Intelligence

• Identify capacity building needs and recommend possible assistance for microfinance partners; 

• Provide technical advice and training to Branches and partnerships where areas of improvement are identified.

Risk & Compliance

• Ensure that all customers onboarded to the bank meet the minimum criteria and are screened adequately considering the Banks AML/CFT/CPF guidelines and escalation of any suspicious accounts.
• Continuously monitor customer transactions in the context of the  profile of the customer and properly document the background and purpose of all complex, unusual, large transactions, and all unusual patterns of transactions, which have no apparent economic or visible lawful purpose. 
• Ensure that customer accounts are suitable for purpose e.g. avoid opening children’s accounts for normal day to day transactions as opposed to opening a current account.
• Prior to Customer on boarding, ensure that a potential client has been screened, account  opening form is duly completed and all  required documentation as per the account opening policy obtained.
• Ensure that verification is done as to the identity of the customer, documentation used to open account, and conducted transactions during the customer journey.
• Ensure that all transaction forms are filled to completion and properly reviewed. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion
• Responsible for immediately alerting the MLRO  on  suspicious transactions or activities noted in  customers’ accounts. Any inconsistent activities or transactions, any suspicious accounts, any attempted accounts or transactions, must be investigated and reported to the compliance function immediately, placing a clear basis of suspicion.
• Identify any high-risk accounts such as Politically Exposed Persons (PEP) at point of account opening and at execution of transaction continuously, given the dynamic nature of such high-risk accounts . Forward the details of  such high-risk customer(s) and any PEP/PEP Related persons  noted   to senior management for approval.  Ensure that such accounts have all the requisite documents such as updated annual EDDs, are marked as high risk in the system and the reason for high risk rating properly indicated. 
• Identify customers in portfolio that require an update of profiles in a timely manner and ensure that the changes are maintained in the system and are up-to-date. 
• Ensure that UBO information is obtained and captured in AODs and core banking  at point of account onboarding and throughout the customer journey.
• Ensure accurate and complete data has been captured in the system and that customers are properly risk rated or categorized as per bank policy on customer categorization as high, medium or low, and ensure that timely KYC update is done for the various risk categories of clients as per regulatory requirements
• Ensure that the transactions contain the full details and the relevant  supporting documentation and authorizations are in place where required. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion.

DECISION MAKING AUTHORITY

• The Regional Manager in their course of work, make regular client visits to review business requirements, assessing assets and securities held or offered and obtaining related financial documents to be able to put forward any borrowing requests from clients and making recommendations for consideration by approving authorities; 
• The Regional Manager is charged with conducting reviews and renewals of existing portfolio managed relationships for Banking Facilities and any banking service requirements and making recommendations for consideration by approving authorities;
• Processing ad-hoc/additional/new requests/excesses under managed portfolio and making recommendations for consideration by approving authorities

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.
• Master’s degree will be an added advantage.

WORK EXPERIENCE

• Should have worked as a Branch Manager of a large branch for a minimum of 5 years, experience as a Sales Manager/ Team Leader would be an added advantage.
• Experience as Regional Manager for at least 2 years.
• Must be currently working in the Financial industry.
• Sound knowledge of Business Banking/SME products, services and processes together with exposure in retail banking branch operations.

SKILLS & COMPETENCIES

• Excellent communication and interpersonal skills;

• Excellent Business Presentation skills;
• Good financial analysis skills;
• Excellent problem solving and decision-making skills;
• Knowledgeable in credit, legal (conveyancing) and lending knowledge;
• Knowledge of banking processes and Banking Law;
• Demonstrate an understanding of the Banking Act, CBK prudential guidelines and credit policies;
• Strong negotiation and networking skills;
• Good performance track record in business development;
• Strong innovative and creative thinking skills.

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Regional Manager – Rift Valley Region at Sidian Bank

Regional Manager – Rift Valley Region

JOB PURPOSE

The job holder will responsible for identifying new business opportunities and growing business through the branch network in all areas of Branch Banking. He/she will also help in identifying suitable partnerships that provide business opportunities in branches and also provide administrative support for the departmental HQ activities.

KEY RESPONSIBILITIES

• Business Development
• Monitoring and Reporting
• Market Intelligence
• Risk & Compliance

Business Development

• Enhance profitability of existing and new client relationships by promoting new products and product enhancement;
• Actively market and develop the Branch Banking and Partnership products to existing and prospective clients within the branch location;
• Continuously conduct market research and competitor analysis to identify new business opportunities. 
• Manage relationships of key accounts while tapping on their share wallet through cross selling at least 5 products.
• Maintain a comprehensive understanding of the branch customers business plans, financial projections and support requirements.

Monitoring and Reporting

• Monitor the performance of Branch Banking and partnerships to ensure that they operate according the agreed lending terms.
• Provide management with periodic updates on performance of Branch Banking and partnerships to guide management in decision making. 
• Provide regular call reports for all facilities to enhance our Monitoring & Evaluation.

Market Intelligence

• Identify capacity building needs and recommend possible assistance for microfinance partners; 

• Provide technical advice and training to Branches and partnerships where areas of improvement are identified.

Risk & Compliance

• Ensure that all customers onboarded to the bank meet the minimum criteria and are screened adequately considering the Banks AML/CFT/CPF guidelines and escalation of any suspicious accounts.
• Continuously monitor customer transactions in the context of the  profile of the customer and properly document the background and purpose of all complex, unusual, large transactions, and all unusual patterns of transactions, which have no apparent economic or visible lawful purpose. 
• Ensure that customer accounts are suitable for purpose e.g. avoid opening children’s accounts for normal day to day transactions as opposed to opening a current account.
• Prior to Customer on boarding, ensure that a potential client has been screened, account  opening form is duly completed and all  required documentation as per the account opening policy obtained.
• Ensure that verification is done as to the identity of the customer, documentation used to open account, and conducted transactions during the customer journey.
• Ensure that all transaction forms are filled to completion and properly reviewed. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion
• Responsible for immediately alerting the MLRO  on  suspicious transactions or activities noted in  customers’ accounts. Any inconsistent activities or transactions, any suspicious accounts, any attempted accounts or transactions, must be investigated and reported to the compliance function immediately, placing a clear basis of suspicion.
• Identify any high-risk accounts such as Politically Exposed Persons (PEP) at point of account opening and at execution of transaction continuously, given the dynamic nature of such high-risk accounts . Forward the details of  such high-risk customer(s) and any PEP/PEP Related persons  noted   to senior management for approval.  Ensure that such accounts have all the requisite documents such as updated annual EDDs, are marked as high risk in the system and the reason for high risk rating properly indicated. 
• Identify customers in portfolio that require an update of profiles in a timely manner and ensure that the changes are maintained in the system and are up-to-date. 
• Ensure that UBO information is obtained and captured in AODs and core banking  at point of account onboarding and throughout the customer journey.
• Ensure accurate and complete data has been captured in the system and that customers are properly risk rated or categorized as per bank policy on customer categorization as high, medium or low, and ensure that timely KYC update is done for the various risk categories of clients as per regulatory requirements
• Ensure that the transactions contain the full details and the relevant  supporting documentation and authorizations are in place where required. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion.

DECISION MAKING AUTHORITY

• The Regional Manager in their course of work, make regular client visits to review business requirements, assessing assets and securities held or offered and obtaining related financial documents to be able to put forward any borrowing requests from clients and making recommendations for consideration by approving authorities; 
• The Regional Manager is charged with conducting reviews and renewals of existing portfolio managed relationships for Banking Facilities and any banking service requirements and making recommendations for consideration by approving authorities;
• Processing ad-hoc/additional/new requests/excesses under managed portfolio and making recommendations for consideration by approving authorities

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.
• Master’s degree will be an added advantage.

WORK EXPERIENCE

• Should have worked as a Branch Manager of a large branch for a minimum of 5 years, experience as a Sales Manager/ Team Leader would be an added advantage.
• Experience as Regional Manager for at least 2 years.
• Must be currently working in the Financial industry.
• Sound knowledge of Business Banking/SME products, services and processes together with exposure in retail banking branch operations.

SKILLS & COMPETENCIES

• Excellent communication and interpersonal skills;

• Excellent Business Presentation skills;
• Good financial analysis skills;
• Excellent problem solving and decision-making skills;
• Knowledgeable in credit, legal (conveyancing) and lending knowledge;
• Knowledge of banking processes and Banking Law;
• Demonstrate an understanding of the Banking Act, CBK prudential guidelines and credit policies;
• Strong negotiation and networking skills;
• Good performance track record in business development;
• Strong innovative and creative thinking skills.

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (added advantage)

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Relationship Manager – Public Sector at Sidian Bank Limited

JOB PURPOSE

The Job holder will be responsible to solicit, build and maintain relationships with Public Sector Banking clients through provision of highly analytical, making regular customer visits to contacts at The National Treasury, parastatals, government ministries and donor/developmental agencies with a view to obtaining up to-date information on priority projects and funding sources. This involves growing business in terms of liabilities and assets as well as non-funded businesses in areas such as trade finance, bancassurance, forex, transactional income and channels usage from the bank’s target markets to increase share of wallet for the bank.  

The job holder will also be responsible for continuous enhancement of the breadth and depth of product lines for the business function to achieve and sustain competitive positioning in the target markets. Effective account relationship management resulting in optimization of customer satisfaction, retention and wallet share through selling multiple solutions from appropriate range of the bank’s product is critical. 

KEY RESPONSIBILTIES 

• Strategic input and planning
• Sales, Business Development & Relationship Management
• Strategic Marketing 
• Strategic customer experience
• Risk & Compliance

Strategic input and planning: 

• Develop business opportunities and monitor business’s activities in line with the Bank’s long-term strategic and annual business plans and ensure that the Bank remains competitive and promptly reacts to changing market conditions and customer needs. 
• Provide input and recommendations to the Public Sector short- and long-term strategy in a bid to grow the wallet share and maximize revenue for the department. 

Sales, Business Development & Relationship Management: 

• Making regular customer visits to contacts at Treasury, parastatals, government ministries and donor/developmental agencies with a view to obtaining opto-date information on priority projects and funding sources.
• Identify opportunities for growth and new business acquisition through market research, analysis and networking.
• Develop a target market database of clients in the Bank’s desired industries/sectors, have well defined call objectives and drive a robust calling program that will generate sales and business for the Bank.
• Develop business opportunities and monitor business’s activities in line with the Bank’s long-term strategic and annual business plans and ensure that the Bank remains competitive and promptly reacts to changing market conditions and customer needs.
• Act as liaison between clients and internal operations team to timely and effectively understand and provide all types of banking products including but not limited to deposits, loans, trade finances and remittance for the clients.
• Develop a focused relationship management system, which increases the Bank’s ability to increase the flow of business and generate deposits, lending and revenues from existing and new customers in line with the enterprise strategy.
• Enhance relationship marketing and management – to establish, maintain, and enhance relationships 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. 
• Develop a focused relationship management system, which increases the Bank’s ability to increase the flow of business and generate lending, trade finance, deposit and cash management business from existing and new customers in line with the target market segments for the bank.
• Ensure day-to-day client relationship management and engagement with customers to foster a good and lasting business partnership of the customer and the Bank.

Strategic Marketing:

• Embed strategic marketing by focusing on how to develop competitive advantage into the changing marketplace and leveraging on the banks distinctive capabilities to drive value.
• Enhance creation by creating, communicating, delivering, and offering solutions that have value for customers, shareholders and partners.
• Build the Sidian Bank Brand to ensure that the bank is top of mind as an enterprise bank.
• Strategic product development by continuously developing and refining the banks products.
• Gather insights and provide recommendations that position the bank as a leading SME go to bank which focuses on entrepreneur.

Strategic customer experience: 

• Promote excellent customer experience by driving and advocating customer requirements through the various functions in the bank to deliver high service standards that delight the bank’s customers.
• Key driver for not only customer satisfaction, but building a base of promoters by enhancing positive customer experience and advocacy to drive competitive advantage, leading to faster organic growth and lower cost.
• Create a differentiated customer experience design, tailored to target customer needs and optimize customer interactions with the brand, offerings, and touch points to consistently deliver and make continuous improvements to the design.
• Link sales and service and embed customer service culture as the bedrock to grow the balance sheet.

Risk & Compliance:

• 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.
• Ensure customer value proposition is implemented in compliance with external and internal regulations & policies i.e. operational, credit, reputational and people risk.
• Facilitate and collect all clients’ required documents for application of banking facilities to verify their eligibility.
• Gather valid applicants’ financial records by obtaining and compiling copies of clients’ credit histories, corporate financial statement and other financial information.
• Solicit, build and maintain new and existing clients in accordance with the guidelines stated in the Public Sector Banking policies and procedures to ensure sustainable and secure deposit and loan portfolios.
• Present and provide highly professional consultations to target corporate clients to address their demands and match with the Bank’s products and services.
• Discuss credit-related issues and loan packaging to provide sound financial advice and tailored solutions for the clients as well as to take the opportunity to cross-sell other banking products.
• Conduct financial analysis and interpret applicants’ financial status, credit, property evaluations, repayment capacity to determine feasibility of granting loans and other credit facilities.
• Conduct a site visit at clients’ business premise and proffered collateral during loan assessment process to obtain in-depth information concerning to the soundness of their business and purpose of loan application and ensure sufficient and acceptable security for the loan.
• Process and prepare Credit Appraisal Report for commercial applications including detailed loan appraisal write-up and detailed financial analysis of the corporate clients in order to submit for loan approval.
• Prepare and execute loan contracts and arrange loan disbursement timely and accurately to fulfill clients’ needs and satisfactions.
• Make regular site visits to existing clients to determine the actual conditions of the business and loan collateral whether it should remain the same or be downgraded as well as to develop relationship with clients as part of retention strategies.
• Closely monitor on recommended/processed loan for timely repayment and to ensure Portfolio At Risk remains within acceptable level.
• Follow up delinquent clients immediately and refer such case to higher authority to actively handle the loan portfolio.

DECISION MAKING AUTHORITY

• The role is highly guided by Policies and Procedures;
• Pricing structures and negotiation parameters;
• Range of products to support the client.

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.
• Master’s degree will be an added advantage.

WORK EXPERIENCE

• At least five (10) years’ experience in Financial/banking sector, five (5) of which should be in Relationship Management in Public Sector.
• Sound knowledge of Business Banking/SME products, services and processes together with exposure in retail banking branch operations.

SKILLS & COMPETENCIES

• Proven track record of growing a profitable and sustainable portfolio that delivers to the banks bottom-line;
• Profound understanding of Public Sector, key competitors and offerings as well as our competitive edges to win quality customers;
• Thorough understanding of CBK regulatory framework and pertinent regulations impacting corporate customers;
• Highly effective communicator with excellent interpersonal and motivational skills;
• Strong managerial, planning, analytical, decision-making, lateral thinking and project management skills;
• Excellent customer service, client relationship management, communication, negotiation, problem solving and interpersonal skills;
• Credit evaluation and analysis skills with extensive business insights related to commercial loans in Cambodia context;
• Financial literacy and ability to interpret and analyze financial statements (audited and/or management reports) of the business in order to access repayment capacity and financial soundness of the clients;
• Sense of judgement and common sense with both qualitative and quantitative tools to provide sound and comprehensive analysis/evaluation on complex credit applications;
• In-depth knowledge of the bank branch operations, rules and regulations, laws, granting loans, and credit risk management.

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (added advantage)

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Manager – Credit Approvals, Corporate at Sidian Bank Limited

Manager – Credit Approvals, Corporate

JOB PURPOSE

To manage the Credit Approvals and portfolio management and accounts relationship administrative support to Branch Managers/ Relationship managers in compliance with the banks credit policy. Managing the portfolio of accounts with the intention of monitoring acceptable credit risk (including any recoveries) and maximizing the bank’s return from each client.

KEY RESPONSIBILTIES 

• Do quality checks on deals to the MCC &Board & conduct a Risk based analysis by Reviewing of credit proposals received from business units to meet the bank standards for MCC and Board decision making.
• Analysis and approvals of credit facilities within the delegated credit limit and to ensure that they comply with and remain in line with the bank’s credit policy and the prudential guidelines as provided by the central bank of Kenya.
• Safeguarding the institution against loss by ensuring accuracy, completeness and credit worthiness of Corporate, SME, Micro, Consumer and Group proposals and recommend appropriate risk mitigation mechanisms such as proper securities and their perfection, relevant sanction conditions and post disbursement follow ups.
• Ensure Bank lending complies with the relevant Environmental, Climate-related and Social risks laws and prudential guidelines and best practices.
• Oversee Approvals of credit proposals from all the branches and Head office Business teams to ensure that all approval decisions meet the agreed SLA between the credit department and business.
• Preparation of credit Management reports for presentation ALCO, MANCOM, Board and other external parties such us the regulator and financial partners.
• Ensuring the provisions are maintained at the prescribed level by minimizing the risk of loan loss or bad debts through prudent lending practices. 
• Ensure Standards for credit portfolio management by advising and supporting Branches on actions to take in recovering and monitoring portfolio at risk and ensure that branches forward monthly watch list and follow up to make sure recommendation on accounts are implemented.
• Review of sector exposures to ensure compliance to set banks limits by ensuring optimal profitability of the bank. 
• Ensure compliance with internal credit policies & procedures and facilitate prudent management of credit risks while ensuring compliance with the CBK prudential guidelines.
• Manage all staff of the Credit risk unit and ensure the section is adequately resourced to perform their roles.
• Preparation of statutory reports in line with CBK prudential guideline and submission of the same as per the set SLAs.

Risk & Compliance:

• Ensure that Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing compliance culture is promoted within areas of operation
• Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings.
• Provide guidance by consistently enforcing a top-down approach of the Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing   responsibilities
• Ensure that measures are in place   to identify, monitor and control Money Laundering/ Financing of Terrorism/ Proliferation Financing risks affecting the units through completion of Risk and Compliance Self Assessments, reporting to Risk and Compliance Functions and appropriate committees, embedding guideline policies in their operational manuals and tracking resolutions of major risk issues.
• Ensure that all staff within the Group/ Department/ Unit are well trained and have an Up to Date understanding of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing environment.
• Ensure to Report suspected money laundering cases escalated by staff in the Group/ Department/ Unit to the Money Laundering Reporting Officer as soon as such incidents occur but within 12 hours of occurrence.   
• Ensure that information, data requests, and feedback are made available to the ERM department in a timely manner for effective decision making on money laundering, terrorism, and proliferation financing risks, assessments, and reporting to the regulators.
• Ensure that staff have AML/CFT/CPF Key Performance Indicators (KPIs) and disciplinary action is taken against those who violate AML/CFT/CPF policies and procedures
• Ensure that all relevant information has been provided and considered for decision-making for high-risk accounts and transactions, escalations from the Compliance Unit, and applying of exceptions to bank policy and procedures’ compliance.
• Ensure that there is adequate screening (Know Your Employee Program) procedures to ensure high standards when onboarding new staffs or promoting existing ones.
• Identify major risks affecting the Group/ Department/ Unit and ensure necessary steps are taken to measure, monitor, and control structure with control activities defined at each level and duties properly segregated
• Recommend revision of controls, where appropriate, to address new or previously uncontrolled risks
• Ensure screening of clients to avoid disbursing facilities to customers with ML/TF/PF links.
• Check for sources of funds on loan repayment and escalate any suspicious or undeclared source to Compliance Unit.
• Responsible for immediately alerting the MLRO on suspicious transactions or activities noted in customers’ accounts. Any inconsistent activities or transactions, any suspicious accounts, any attempted accounts or transactions, must be investigated and reported to the compliance function immediately, placing a clear basis of suspicion.
• Attend training and maintain knowledge of and comply with all bank policies and procedures including Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules and regulations.
• Participate or undertake Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing bank programs on a regular basis e.g. taking attestations, self-assessment tests, filling in compliance questionnaires as required.
• Comply and not to knowingly participate or assist in any violation of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules, regulations or internal policies, procedure and guidelines.
• Report suspected money laundering cases to their respective heads of units or to the Money Laundering Reporting Officer as soon as such incidents occur immediately with a clear basis of suspicion

DECISION MAKING AUTHORITY

• Review and approve credit facilities within the delegated credit limit.  
• Review and recommend credit applications to the MCC/Board & conduct a Risk based analysis by Reviewing of credit proposals received from business units to meet the bank standards for MCC and Board decision making.
• Ensure that all accounts are properly graded in the system and Ensuring the provisions are maintained at the prescribed level by minimizing the risk of loan loss or bad debts through prudent lending practices.

ACADEMIC BACKGROUND

• A Bachelor’s degree in Business Administration with a bias in Finance and Accounting 
• Diploma in Banking and Finance (AKIB)

WORK EXPERIENCE

• At least 17 years in banking
• Over 10 years in management

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Relationship Manager – Ol Kalou Branch at Sidian Bank

Relationship Manager – Ol Kalou Branch

JOB PURPOSE

The jobholder is responsible for managing client relationships to achieve the set sales targets and wallet share and ensure sustained business growth and profitability in the assigned customer segment. To sell, cross/upsell and deliver excellent sales and service of the bank’s products and services whilst building long-term profitable customer relationships.

KEY RESPONSIBILTIES 

• Branch strategic input and planning
• Business Growth & Development
• Marketing & Brand Management
• Relationship Management & Customer experience
• Branch Operations
• Personal Leadership & Development
• Risk & Compliance

Branch Strategic input and planning:

• Contributes to the completion of the branch operational plan by preparing and implementing an individual business plan that encompasses strategies for performance on branch growth objectives.
• Formulate and implement personal initiatives for assigned and new business portfolio aimed at increasing new business and share of wallet from existing clients.
• Prepares a personal action plan that contributes to the overall branch budget.

Business Growth & Development:

• Full responsibility for all product lines and all sales and business development for new and assigned business portfolio.
• Achieve business growth of the Business portfolio (Both Assets and Liabilities) ensuring income, quality and portfolio growth targets are achieved.
• Growth in client recruitment, increased transactional income, cross selling of products ,Customer relationship management as per set bank targets.
• Develop new business opportunities and monitor business’s activities in line with the Bank’s long-term strategic and annual business plans and ensure that the Bank remains competitive and promptly reacts to changing market conditions and customer needs.
• Develop a new customer base by expanding markets and cross selling the bank products.
• Develop a focused relationship management system, which increases the branch ability to increase the flow of business and generate deposits, lending and revenues from existing and new customers in line with the enterprise strategy.
• Enhance the appropriate controls and monitoring mechanisms for the development of a high-quality lending.
• 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. 
• Enhancing relationship marketing and management – to establish, maintain, and enhance relationships 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 and updating the call reports.
• Ensuring compliance to the Environmental Social Management (ESM) policy and procedure in day to day branch business.
• Leverage position as a trusted advisor to the customers to proactively manage PAR.
• Utilize the banks MIS system for continuous tracking of own performance, monitoring of customer satisfaction and provision of management / statutory reports as applicable

Marketing & Brand Management

• Enhance creation by creating, communicating, delivering, and offering solutions that have value for customers, shareholders and partners.
• Build the Sidian Bank Brand to ensure that the bank is top of mind as an enterprise bank.
• Understand and provide clear direction to the branch based on market analysis of local area consumer trends and competitor offerings. 
• Establish relationships with key clients or business influencers in the local area, including client entertainment within budget limits set by the business. 
• Support product specialists and the sales team in marketing of initiatives and other products to local businesses. 

Relationship Management & Customer Experience

• Key driver for not only customer satisfaction, but building a base of promoters by enhancing positive customer experience and advocacy to drive competitive advantage, leading to faster organic growth and lower cost.
• Achieve the set customer satisfaction score (CSAT), Customer Effort Score (CES), Customer Engagement Score and Net Promoter score (NPS).
• Co-ordinate branch initiatives aimed at gathering feedback from customers on service standards and advise Branch Manager on improvements.
• Engagement with customers and supporting them in times of personal need aimed at developing a strong bond and loyalty.
• Minimize customer attrition by offering the required solutions to the customer and proactively responding to queries and complaints.
• Achieve the required minimum client visits and customer engagement forums per year.
• Identify financial and non-financial requirements of HNW clients by conducting financial needs analysis

Branch Operations:

• Support branch operations as assigned by the Branch Manager to manage leave and other emergency situations.
• Support the Branch Manager if called upon to be a Branch custodian and therefore adhere to the Branch opening procedure, branch cash procedure and other policies and procedures in the branch.

Personal Leadership & Development:

• Set performance objectives and measures of success for in liaison with the Branch Manager and providing regular feedback from staff appraisal processes.
• Responsible for identifying personal career path in the bank. 
• Keeping abreast with staff communications, attending staff meetings – morning huddles and weekly progress meetings.
• Preparing an annual Personal Development Plan (PDP) and ensuring its actualization.
• Adherence to the banks policies and procedures, dress code, code of conduct, HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment.
• Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings.
• Adhere to the set number of learning/training hours are achieved for self and direct reports, through E-learning and Internal training activities.

Risk & Compliance:

• Ensure that all customers onboarded to the bank meet the minimum criteria and are screened adequately considering the Banks AML/CFT/CPF guidelines and escalation of any suspicious accounts.
• Continuously monitor customer transactions in the context of the profile of the customer and properly document the background and purpose of all complex, unusual, large transactions, and all unusual patterns of transactions, which have no apparent economic or visible lawful purpose. 
• Ensure that customer accounts are suitable for purpose e.g. avoid opening children’s accounts for normal day to day transactions as opposed to opening a current account.
• Prior to Customer on boarding, ensure that a potential client has been screened, account opening form is duly completed and all required documentation as per the account opening policy obtained.
• Ensure that verification is done as to the identity of the customer, documentation used to open account, and conducted transactions during the customer journey.
• Ensure that all transaction forms are filled to completion and properly reviewed. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion.
• Responsible for immediately alerting the MLRO on suspicious transactions or activities noted in customers’ accounts. Any inconsistent activities or transactions, any suspicious accounts, any attempted accounts or transactions, must be investigated and reported to the compliance function immediately, placing a clear basis of suspicion.
• Identify any high-risk accounts such as Politically Exposed Persons (PEP) at point of account opening and at execution of transaction continuously, given the dynamic nature of such high-risk accounts. Forward the details of such high-risk customer(s) and any PEP/PEP Related persons noted   to senior management for approval.  Ensure that such accounts have all the requisite documents such as updated annual EDDs, are marked as high risk in the system and the reason for high risk rating properly indicated. 
• Identify customers in portfolio that require an update of profiles in a timely manner and ensure that the changes are maintained in the system and are up-to-date. 
• Ensure that UBO information is obtained and captured in AODs and core banking at point of account onboarding and throughout the customer journey.
• Ensure accurate and complete data has been captured in the system and that customers are properly risk rated or categorized as per bank policy on customer categorization as high, medium or low, and ensure that timely KYC update is done for the various risk categories of clients as per regulatory requirements
• Ensure that the transactions contain the full details and the relevant supporting documentation and authorizations are in place where required. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion.

DECISION MAKING AUTHORITY

• Customer onboarding as per policy.
• Portfolio management as per policy.
• Credit appraisal and debt monitoring for accounts in PAR or NPL as per policy.
• KYC compliance as per policy.

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.

WORK EXPERIENCE

• At least 7 years’ experience in retail banking and/or commercial banking including a minimum of 4 years sales experience.

SKILLS & COMPETENCIES

• Sound knowledge of Retail Banking/SME products, services and processes together with exposure in retail banking branch operations or customer service delivery.
• Profound understanding of retail market, key competitors and offerings as well as our competitive edges to win quality customers.
• Thorough understanding of CBK regulatory framework and pertinent regulations impacting corporate customers.
• Strong leadership, marketing, sales and management skills.
• Highly effective communicator with excellent interpersonal and motivational skills.
• Solid performance management and motivational skills.
• Excellent relationship building and stakeholder management skills.
• Strong managerial, planning, analytical, decision-making, lateral thinking and project management skills.

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (added advantage)

Read More & Apply

Senior Manager, Shared Services at Sidian Bank

Senior Manager, Shared Services

JOB PURPOSE

The purpose of the role is to provide leadership and oversight for branch banking operations across all branches, ensuring operational efficiency, compliance, and superior customer experience. The job holder will also be responsible for Branch Operations, End-to-End Customer Onboarding (including continuous KYC management), and Currency Operations (physical cash management).

KEY RESPONSIBILTIES 

• Operational excellence
• Branch operations
• Operations control
• Stakeholder management
• People Management

MAIN ACTIVITIES:

Strategy implementation

• Develop and implement branch operations strategy aligned with bank objectives.
• Cascade downs the strategies and objectives across the departments to ensure the successful implementation of the overall department objectives and goals.
• Drive digital adoption and integration within retail operations.

Operational Excellence

• Provide oversight and ensure smooth management of all units under Shared Services – Customer Onboarding, Branch Operations and Cash Management.
• Participate in developing policies within the Shared Services Department and ensuring adherence CBK Prudential Guidelines and other over-arching policy documents.
• Continuous Process Improvements-quarterly review of all processes and procedures, to determine efficiency.
• Coordinate centralization and standardization of operational processes across Shared Services and in conjunction with other Quality control functions of the Bank.
• Continuous review, update, implementation and monitoring of adherence to the internal policies, procedures and manuals.
• Advising and guiding Shared Services staff on passing entries / executing of instructions stemming from exceptional approval requests.
• Conduct regular checks on income leakages and co-ordinate process improvements to prevent leakages.
• Ensuring closure of all audit exceptions at Shared Services.
• Support the AML/CFT-KYC function at Shared Services to ensure that the Bank is not at risk of money laundering activities or at risk of being non-compliant to its AML-KYC Policies, the CBK Prudential Guidelines, POTA ACT and the POCAMLA Act.
• Oversee branch operations to ensure compliance, efficiency, and service excellence.
• Champion process improvement and automation initiatives for branch operations.

Branch Operations 

• Oversee the smooth running of the branch operations.
• Ensure customer issues are promptly addressed and resolved.
• Liaise with Security department and Branch Managers to ensure security concerns are addressed and staff adequately trained on security matters.
• Implementation of appropriate cost control measures to manage identified cost centers at the branches.
• Ensure effective use of ORPA as risk management/control measure.
• Support branches in the attainment of satisfactory audit and control rating by constantly reviewing processes and monitoring adherence.
• Co-ordinate and review cash holding limits in line with changes in the operating environment.
• In liaison with the Head of Branches ensure effective coordination and management of staff absences (both planned and unplanned) so as to maintain uninterrupted and quality Branch Operations.
• Give guidance and co-ordinate staff transfers and rotations within Branch Operations.

Operations control

• Introduce SLA measurement tools to continually evaluate quality of all business support processes to enhance performance and productivity. 
• Continuous independent performance assessment of all internal service level agreements (SLAs) between Operations & IT Function units and internal customers (business and other operational units) and other key customer service delivery standards providing timely input for improvement. 
• Provide effective management oversight for all suspense and internal accounts reconciliations with Operation Department to ensure adherence to the Group Reconciliation policy 
• Timely preparation of Group operations management reports – for management committees and Board. 
• Work with Risk and Compliance and the businesses to ensure training in Compliance within Group operations teams is effective. In addition, document and implement controls to ensure compliance with regulations and Group standards. 
• Ensure robust controls for physical cash management, vault operations, and currency logistics.
• Monitor operational risk and implement mitigation measures across retail channels.

Stakeholder Management

• Conduct periodic meetings with the concerned stakeholders and discuss MIS reports related to shared services activities, progress on projects, achievements and other major departmental issues if any to facilitate the decision-making process.
• To ensure action on instructions from KRA, Kenya Police, Courts, CBK etc when required.
• Facilitate internal and external audits and ensure closure of all audit issues
• Manage performance of branch operations teams and ensure adherence to SLAs.
• Collaborate with compliance and risk teams to maintain regulatory standards.
• Prepare and present operational performance reports to senior management.

People management

• Set performance objectives for each member of the team in accordance with the Department’s overall objectives.
• Regularly review performance to trigger feedback and prompt actions to ensure objectives for individuals and team are met.  Such actions include recognition of outstanding performance, taking corrective measures, which may include coaching, mentoring, training to develop new skills or attitudes.
• Carry out performance appraisals to provide overall assessment for a set period of performance in a manner that enhances motivation and performance improvements.
• Implement appropriate communication systems and forums which will ensure that: the staff will be kept informed of the Bank’s business direction, and obtain support and knowledge to perform duties effectively and  there is on-going collaboration amongst the staff with other members of the Department, and with other relevant stakeholders in the Bank for the purpose of cultivating collective responsibility to achieve Bank’s business goals.
• Build strong relationships externally. 

ACADEMIC BACKGROUND

• University Degree in Bachelor of commerce (Finance or Accounting) or other relevant Business Degree.
• Master’s degree will be an added advantage.

WORK EXPERIENCE

• At least ten (10) years’ experience in banking environment, with a track record of success with at least 5 years in a Shared Services function.

SKILLS & COMPETENCIES

• Practical experience in use of relevant MS office applications, especially Excel, Word and PowerPoint.

• Extensive knowledge of Banking theory and practice, Central Bank’s Prudential Guidelines, FATCA, POCAMLA, POTCA and related procedures. 
• Possess thorough knowledge of banking products and services and also a wider understanding of the general banking universe/Industry.
• Excellent and demonstrated leadership capacity including possession of strategic development, monitoring, execution and reporting skills (Have a strategic outlook)
• Strong organizational, administrative and analytical skills including oral and written communication skills.
• Strong negotiation and interpersonal skills and ability to motivate, coach and mentor staff.
• Good communication and engagement skills.

PROFESSIONAL CERTIFICATION

• Professional Banking qualification (AKIB) is an added advantage.

Read More & Apply

Senior Officer Check-Off at Sidian Bank Limited

Key Responsibilities/ Accountabilities:

Validation/Confirmation of pre-approval documentation.

• Confirmation of the checkoff loan application documents mainly the pay slip and the employment letters/contracts at the employers to ascertain the authenticity of the same.
• Confirm customer’s credit worthiness as per Kenya Human Resource Information System (KHRIS)
• Confirm that the customer has no pending disciplinary issue at the employer through contacting the various payroll managers for the various institutions.
• Verifying authenticity of third-party documents such as loan statements
• Validation of bank statement (salary account statement) in Bank statement analyzer system (SpinCrunch)
• Independent CRB check of the borrower through Trans Union/Metropol
• Ensuring authorization forms are signed by the employer where applicable

Turn Around Time and SLA Adherence

• Ensure employer confirmation is done on time to avoid delays in loan processing
• SLA Achievements – comply to set departmental SLAs.
• Improve Customer Satisfaction Index
• Improve departmental Net Promoter Score (NPS).
• Provide a high level of service to the internal customer based on accuracy, responsiveness and turnaround time (TAT).

Risk and Compliance Management

• Conducting weekly call back snap checks on sampled checkoff loan applications to ensure that the call back forms have been dully filled and that actual call backs have been done to the immediate supervisors.
• Ensure documentation of all applications are in place and are valid.
• Ensuring all applications have all required documents and the application is fully completed
• Ensuring that loan and salary statements are authenticated.
• Ensuring that all credit proposals submitted are compliant and in case of any breaches to policy/MOUs, these have been identified and mitigated adequately
• Ensure that the Department’s Risk & Control Self Assessments (RCSAs) are done in line with the SLA in place
• Achieve satisfactory ratings and outcomes from Internal Audit and Enterprise Risk Management

Portfolio Quality Management & Reporting

• Ensuring the correct credit worthiness of a client is captured to ensure 100% adoption
• Recommend changes in facility structures in the best interest of the clients and the Bank
• Preparation of daily work reports and any other reports that are required from time to time.

Other Roles

• Liaising with the various internal and external stakeholders for efficient processing of checkoff loans.

Any other duties as may be assigned by the line manager.

SKILLS & COMPETENCIES

• Sound knowledge of Bank products and services.
• Strong understanding of Kenya’s government payroll systems
• Excellent interpersonal skills and demonstrated conflicts resolution skills.
• Strong communication, presentation, and negotiation skills.
• Attention for detail and capacity to meet strict deadlines.
• Individual leadership skills, excellent planning and organizing skills.
• Mature personality & team player.
• Flexibility and an ability to change focus areas when needed.
• Self-driven, self-motivated and a self-starter with a proven performance record.
• Excellent understanding of personal banking business.
• Exhibits an exceptional degree of creativity and resourcefulness.
• Excellent business relationship management skills.

WORK EXPERIENCE

• At least three years relevant work experience in both credit and operations (retail/personal banking and/or credit/ scheme loans processing)
• Detailed knowledge of specific Retail Credit Products that a salaried customer may require
• Knowledge and effective application of the Bank’s Credit policy & procedures, processes and systems
• Knowledge and effective application of Prudential Guidelines and Banking Act.

ACADEMIC BACKGROUND

• University degree preferably in Accounting, Finance, Management or Business Related
• Good Computer skills – ability to use MS Word, Power-point, Advanced Excel and Analysis of Data

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (is an added advantage)
• Certified Public Accountant CPA (Section 2)
• Certified Credit Professional (CCP)

Read More & Apply

Branch Manager – Coast Region at Sidian bank Limited

JOB PURPOSE

The jobholder will Coordinate with the Head – Branches in implementing and carrying out bank policy and procedures with respect to overall operations of branch. The role is responsible for business development within the branch market to meet or exceed business development goals; development, coaching and discipline of staff to assure appropriate proper branch sales and customer service given the Bank’s branch staffing model; and adherence to policies and procedures.

KEY RESPONSIBILTIES

• Branch strategic input and planning
• Business Growth & Development
• Marketing & Brand Management
• Relationship Management & Customer experience
• Branch Operations
• Leadership & People Management
• Risk & Compliance

MAIN RESPONSIBILTIES

Branch Strategic input and planning:

• Contributes to the completion of the Sidian Bank Retail Operational plan by preparing and implementing a branch business plan that encompasses strategies for performance on branch growth objectives.
• Understand and provide clear direction to the branch based on market analysis of local area consumer trends and competitor offerings.
• Prepares the branch budget for approval and contributes to the overall control of expenditure by monitoring costs and reporting on performance against budget variations.
• Formulate and implement business strategic initiatives for the branch aimed at increasing new business and share of wallet from existing clients.
• Ensure Growth in NII (Net Interest Income) for branch by increasing fees and commissions, ensuring OPEX optimization to reduce operational costs and managing cost of cash holding at the branch level.

Business Growth &  Development:

• Full responsibility for all product lines and all sales and business development for entire branch business.
• Responsible for the growth of the Branch’s Business portfolio (Both Assets and Liabilities) ensuring income, quality and portfolio growth targets are achieved.
• Responsible for the Growth in client recruitment, increased transactional income, cross selling of products ,Customer relationship management as per set bank targets.
• Develop business opportunities and monitor business’s activities in line with the Bank’s long-term strategic and annual business plans and ensure that the Bank remains competitive and promptly reacts to changing market conditions and customer needs.
• Develop and implement a branch turnaround strategy to ensure that at least the branch is profitable.
• Develop a focused relationship management system, which increases the branch ability to increase the flow of business and generate deposits, lending and revenues from existing and new customers in line with the enterprise strategy.
• Enhance the appropriate controls and monitoring mechanisms for the development of a high-quality lending.
• 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.
• Enhance relationship marketing and management – to establish, maintain, and enhance relationships 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.
• Ensuring compliance to the Environmental Social Management (ESM) policy and procedure in day to day branch business.

Marketing & Brand Management:

• Embed strategic marketing by focusing on how to develop competitive advantage into the changing marketplace and leveraging on the banks distinctive capabilities to drive value.
• In conjunction with Head of Branch Business and Products Managers, conduct product review and product development through constant feedback from the market
• Enhance creation by creating, communicating, delivering, and offering solutions that have value for customers, shareholders and partners.
• Build the Sidian Bank Brand to ensure that the bank is top of mind as an enterprise bank.
• Understand and provide clear direction to the branch based on market analysis of local area consumer trends and competitor offerings.
• Ensure that merchandising materials are displayed in accordance with guidelines.
• Brief staff on promotional and product launches; provide regular feedback on sales performance.
• Establish relationships with key clients or business influencers in the local area, including client entertainment within budget limits set by the business.
• Support product specialists and the sales team in marketing of initiatives and other products to local businesses.

Relationship Management & Customer Experience:

• Key driver for not only customer satisfaction, but building a base of promoters by enhancing positive customer experience and advocacy to drive competitive advantage, leading to faster organic growth and lower cost.
• Create a differentiated customer experience design, tailored to target customer needs and optimize customer interactions with the brand, offerings, and touch points to consistently deliver and make continuous improvements to the design.
• Link sales and service and embed customer service culture as the bedrock to grow the balance sheet.
• Manage key branch relationships.
• Ensure wait time within permissible limits as per segmental service approach and Sidian brand standards.
• Achieve the set customer satisfaction score (CSAT), Customer Effort Score (CES), Customer Engagement Score and Net Promoter score (NPS).
• Ensuring no escalations at branch and complaint handling.
• Co-ordinate branch initiatives aimed at gathering feedback from customers on service standards and advise business heads on improvements.
• Engagement with customers and supporting them in times of personal need aimed at developing a strong bond and loyalty.

Branch Operations:

• Ensure the branch is opened and closed on time as per CBK requirement and any escalation where the same is not met.
• Ensures operations meet legislative and Sidian Bank policy requirements, including health and safety requirements, by monitoring systems, procedures and workflows, and implementing corrective action.
• Responsible for all security procedures within the branch including opening procedures, camera surveillance and maintenance, video monitoring, robbery and fire drill procedures.
• Ensures adequate cash levels to support operations.
• Ensures branch staff are adequately trained in KYC and AML and are adhering to the prudential guidelines.
• Adhere to standardized branch guidelines.
• Ensure availability of necessary infrastructure in branch.
• Closely monitor branch business performance and ensure accurate records of the same are maintained and forwarded to the Head of Branch Business and respective Business Heads.
• Ensure all branch staff follow the laid down branch opening procedure and other branch operations policies and procedures.
• Ensure adequate staffing at start of day and report any absence as it may have an impact on service delivery.

Leadership & Management:

• With the support of the HR Business Partner, the Branch Manager has the ultimate responsibility for the Human Resource Management of the branch staff and consults with HR on clarity and interpretation of the HR policy.
• Set performance objectives and measures of success for direct reports, providing regular feedback from staff appraisal processes.
• Contributes to the ability of staff to meet performance objectives by providing day to day supervision, training and support and leading performance processes in accordance with Sidian policies and procedures.
• Responsible for identifying and developing career path opportunities for staff.
• Contributes to the development of staff by assisting with the interpretation and implementation of operational policies and procedures.
• Responsible for assigning tasks to staff, scheduling and monitoring work and reviewing results for timeliness, accuracy and quality.
• Contributes to the flow of staff communications, by conducting regular staff meetings – morning huddles and weekly progress meetings.
• Encourages staff to participate in internal and external training and development opportunities as these arise and in accordance with individualized development plans.
• Responsible for the presentation and service standards of retail staff to ensure a professional image is maintained with all clients.
• Ensures adherence to dress code, code of conduct and HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment.
• Responsible for mentoring and coaching the retail team to enhance staff motivation, engagement and improve performance.
• Responsible for the overall Risk and Compliance activities in the branch set up and therefore must ensure compliance in all areas by Branch Staff and  will be held accountable for lapses in the branch
• Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings.
• Manage performance /disciplinary issues/grievances for staff.
• Ensure there is proper succession planning by maintaining an effective leave program and an in-house training schedule for ease of relief due to leave or sickness.
• Ensure the set number of learning/training hours are achieved for self and direct reports, through E-learning and Internal training activities.

Risk & Compliance

• To ensure implementation and compliance with operational policies and procedures at the branch and maintain a culture within the branch that emphasizes and demonstrates the importance of internal control to all staff.
• Ensure compliance with agreed limits of authority and levels of access to systems and information.
• Ensure that all customers onboarded to the bank meet the minimum criteria and are screened adequately considering the Banks AML/CFT/CPF guidelines and escalation of any suspicious accounts.
• Continuously monitor customer transactions in the context of the profile of the customer and properly document the background and purpose of all complex, unusual, large transactions, and all unusual patterns of transactions, which have no apparent economic or visible lawful purpose. Any such inconsistent activities or transactions must be investigated and reported to the compliance function immediately with a clear basis of suspicion.
• Responsible for immediately alerting the MLRO on suspicious transactions or activities noted in customers’ accounts escalated by the branch staff. Any inconsistent activities or transactions, any suspicious accounts, any attempted accounts or transactions, must be investigated and reported to the compliance function immediately, placing a clear basis of suspicion.
• Ensure that customer accounts are suitable for purpose e.g. avoid opening children’s accounts for normal day to day transactions as opposed to opening a current account.
• Prior to Customer on boarding, ensure that a potential client has been screened, account opening form is duly completed and all required documentation as per the account opening policy obtained.
• Ensure that verification is done as to the identity of the customer, documentation used to open account, and conducted transactions during the customer journey.
• Ensure that all staff within the branch are trained and have an Up to Date understanding of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing environment.
• Identify major risks affecting the branch and ensure necessary steps are taken to measure, monitor, and control structure with control activities defined at each level and duties properly segregated.
• Recommend revision of controls, where appropriate, to address new or previously uncontrolled risks
• Identify any high – risk accounts such as Politically Exposed Persons (PEP) at point of account opening and at execution of transaction continuously, given the dynamic nature of such high- risk accounts. Forward the details of such high-risk customer(s) and any PEP/PEP Related persons noted to senior management for approval.  Ensure that such accounts have all the requisite documents such as updated annual EDDs, are marked as high risk in the system and the reason for high risk rating properly indicated.
• Ensure that the transactions contain the full details and the relevant supporting documentation and authorizations are in place where required. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion
• Ensure that all staff within the branch are trained and have an Up To Date understanding of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing environment.
• Ensure that UBO information is obtained and captured in AODs and core banking at point of account onboarding and throughout the customer journey.
• Examine and ensure that relevant bank documents, records, procedures and systems are followed and comply with the established policies, procedures, and authority limits, including AML/CFT/CPF.
• Track previously identified deficiencies and ensure management corrects them within established timelines
• Assess the adequacy of recordkeeping and record-retention processes
• Assure compliance by the bank to statutory and regulatory obligations in respect of money laundering/terrorism financing/proliferation financing policies, procedures and controls.

DECISION MAKING AUTHORITY

• Empowered to make managerial decisions.
• Approval on lending discretion as per lending policy.
• Approval of new accounts opened in the branch.
• Approval on costs within set budgets e.g. taxi expenses, facilities maintenance, petty cash spend etc.
• Discretion on resource allocation within the branches under approved headcount for optimum productivity.
• Approval of staff leave.

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.
• Master degree will be an added advantage.

WORK EXPERIENCE

Minimum 8 years’ working experience in a Banking environment, with sound exposure to Branch Operations, Credit Management and Business development, 4 years  should be at a management role.

SKILLS & COMPETENCIES

• Sound knowledge of Retail Banking/SME products, services and processes together with exposure in retail banking branch operations or customer service delivery.
• Profound understanding of retail market, key competitors and offerings as well as our competitive edges to win quality customers.
• Thorough understanding of CBK regulatory framework and pertinent regulations impacting corporate customers.
• Strong leadership, marketing, sales and management skills.
• Highly effective communicator with excellent interpersonal and motivational skills.
• Solid performance management and motivational skills.
• Excellent relationship building and stakeholder management skills.
• Strong managerial, planning, analytical, decision-making, lateral thinking and project management skills.

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (added advantage)

Read More & Apply

Branch Manager – Rift Valley Region at Sidian Bank

JOB PURPOSE

The jobholder will Coordinate with the Head – Branches in implementing and carrying out bank policy and procedures with respect to overall operations of branch. The role is responsible for business development within the branch market to meet or exceed business development goals; development, coaching and discipline of staff to assure appropriate proper branch sales and customer service given the Bank’s branch staffing model; and adherence to policies and procedures.

KEY RESPONSIBILTIES

• Branch strategic input and planning
• Business Growth & Development
• Marketing & Brand Management
• Relationship Management & Customer experience
• Branch Operations
• Leadership & People Management
• Risk & Compliance

MAIN RESPONSIBILTIES

Branch Strategic input and planning:

• Contributes to the completion of the Sidian Bank Retail Operational plan by preparing and implementing a branch business plan that encompasses strategies for performance on branch growth objectives.
• Understand and provide clear direction to the branch based on market analysis of local area consumer trends and competitor offerings.
• Prepares the branch budget for approval and contributes to the overall control of expenditure by monitoring costs and reporting on performance against budget variations.
• Formulate and implement business strategic initiatives for the branch aimed at increasing new business and share of wallet from existing clients.
• Ensure Growth in NII (Net Interest Income) for branch by increasing fees and commissions, ensuring OPEX optimization to reduce operational costs and managing cost of cash holding at the branch level.

Business Growth &  Development:

• Full responsibility for all product lines and all sales and business development for entire branch business.
• Responsible for the growth of the Branch’s Business portfolio (Both Assets and Liabilities) ensuring income, quality and portfolio growth targets are achieved.
• Responsible for the Growth in client recruitment, increased transactional income, cross selling of products ,Customer relationship management as per set bank targets.
• Develop business opportunities and monitor business’s activities in line with the Bank’s long-term strategic and annual business plans and ensure that the Bank remains competitive and promptly reacts to changing market conditions and customer needs.
• Develop and implement a branch turnaround strategy to ensure that at least the branch is profitable.
• Develop a focused relationship management system, which increases the branch ability to increase the flow of business and generate deposits, lending and revenues from existing and new customers in line with the enterprise strategy.
• Enhance the appropriate controls and monitoring mechanisms for the development of a high-quality lending.
• 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.
• Enhance relationship marketing and management – to establish, maintain, and enhance relationships 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.
• Ensuring compliance to the Environmental Social Management (ESM) policy and procedure in day to day branch business.

Marketing & Brand Management:

• Embed strategic marketing by focusing on how to develop competitive advantage into the changing marketplace and leveraging on the banks distinctive capabilities to drive value.
• In conjunction with Head of Branch Business and Products Managers, conduct product review and product development through constant feedback from the market
• Enhance creation by creating, communicating, delivering, and offering solutions that have value for customers, shareholders and partners.
• Build the Sidian Bank Brand to ensure that the bank is top of mind as an enterprise bank.
• Understand and provide clear direction to the branch based on market analysis of local area consumer trends and competitor offerings.
• Ensure that merchandising materials are displayed in accordance with guidelines.
• Brief staff on promotional and product launches; provide regular feedback on sales performance.
• Establish relationships with key clients or business influencers in the local area, including client entertainment within budget limits set by the business.
• Support product specialists and the sales team in marketing of initiatives and other products to local businesses.

Relationship Management & Customer Experience:

• Key driver for not only customer satisfaction, but building a base of promoters by enhancing positive customer experience and advocacy to drive competitive advantage, leading to faster organic growth and lower cost.
• Create a differentiated customer experience design, tailored to target customer needs and optimize customer interactions with the brand, offerings, and touch points to consistently deliver and make continuous improvements to the design.
• Link sales and service and embed customer service culture as the bedrock to grow the balance sheet.
• Manage key branch relationships.
• Ensure wait time within permissible limits as per segmental service approach and Sidian brand standards.
• Achieve the set customer satisfaction score (CSAT), Customer Effort Score (CES), Customer Engagement Score and Net Promoter score (NPS).
• Ensuring no escalations at branch and complaint handling.
• Co-ordinate branch initiatives aimed at gathering feedback from customers on service standards and advise business heads on improvements.
• Engagement with customers and supporting them in times of personal need aimed at developing a strong bond and loyalty.

Branch Operations:

• Ensure the branch is opened and closed on time as per CBK requirement and any escalation where the same is not met.
• Ensures operations meet legislative and Sidian Bank policy requirements, including health and safety requirements, by monitoring systems, procedures and workflows, and implementing corrective action.
• Responsible for all security procedures within the branch including opening procedures, camera surveillance and maintenance, video monitoring, robbery and fire drill procedures.
• Ensures adequate cash levels to support operations.
• Ensures branch staff are adequately trained in KYC and AML and are adhering to the prudential guidelines.
• Adhere to standardized branch guidelines.
• Ensure availability of necessary infrastructure in branch.
• Closely monitor branch business performance and ensure accurate records of the same are maintained and forwarded to the Head of Branch Business and respective Business Heads.
• Ensure all branch staff follow the laid down branch opening procedure and other branch operations policies and procedures.
• Ensure adequate staffing at start of day and report any absence as it may have an impact on service delivery.

Leadership & Management:

• With the support of the HR Business Partner, the Branch Manager has the ultimate responsibility for the Human Resource Management of the branch staff and consults with HR on clarity and interpretation of the HR policy.
• Set performance objectives and measures of success for direct reports, providing regular feedback from staff appraisal processes.
• Contributes to the ability of staff to meet performance objectives by providing day to day supervision, training and support and leading performance processes in accordance with Sidian policies and procedures.
• Responsible for identifying and developing career path opportunities for staff.
• Contributes to the development of staff by assisting with the interpretation and implementation of operational policies and procedures.
• Responsible for assigning tasks to staff, scheduling and monitoring work and reviewing results for timeliness, accuracy and quality.
• Contributes to the flow of staff communications, by conducting regular staff meetings – morning huddles and weekly progress meetings.
• Encourages staff to participate in internal and external training and development opportunities as these arise and in accordance with individualized development plans.
• Responsible for the presentation and service standards of retail staff to ensure a professional image is maintained with all clients.
• Ensures adherence to dress code, code of conduct and HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment.
• Responsible for mentoring and coaching the retail team to enhance staff motivation, engagement and improve performance.
• Responsible for the overall Risk and Compliance activities in the branch set up and therefore must ensure compliance in all areas by Branch Staff and  will be held accountable for lapses in the branch
• Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings.
• Manage performance /disciplinary issues/grievances for staff.
• Ensure there is proper succession planning by maintaining an effective leave program and an in-house training schedule for ease of relief due to leave or sickness.
• Ensure the set number of learning/training hours are achieved for self and direct reports, through E-learning and Internal training activities.

Risk & Compliance

• To ensure implementation and compliance with operational policies and procedures at the branch and maintain a culture within the branch that emphasizes and demonstrates the importance of internal control to all staff.
• Ensure compliance with agreed limits of authority and levels of access to systems and information.
• Ensure that all customers onboarded to the bank meet the minimum criteria and are screened adequately considering the Banks AML/CFT/CPF guidelines and escalation of any suspicious accounts.
• Continuously monitor customer transactions in the context of the profile of the customer and properly document the background and purpose of all complex, unusual, large transactions, and all unusual patterns of transactions, which have no apparent economic or visible lawful purpose. Any such inconsistent activities or transactions must be investigated and reported to the compliance function immediately with a clear basis of suspicion.
• Responsible for immediately alerting the MLRO on suspicious transactions or activities noted in customers’ accounts escalated by the branch staff. Any inconsistent activities or transactions, any suspicious accounts, any attempted accounts or transactions, must be investigated and reported to the compliance function immediately, placing a clear basis of suspicion.
• Ensure that customer accounts are suitable for purpose e.g. avoid opening children’s accounts for normal day to day transactions as opposed to opening a current account.
• Prior to Customer on boarding, ensure that a potential client has been screened, account opening form is duly completed and all required documentation as per the account opening policy obtained.
• Ensure that verification is done as to the identity of the customer, documentation used to open account, and conducted transactions during the customer journey.
• Ensure that all staff within the branch are trained and have an Up to Date understanding of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing environment.
• Identify major risks affecting the branch and ensure necessary steps are taken to measure, monitor, and control structure with control activities defined at each level and duties properly segregated.
• Recommend revision of controls, where appropriate, to address new or previously uncontrolled risks
• Identify any high – risk accounts such as Politically Exposed Persons (PEP) at point of account opening and at execution of transaction continuously, given the dynamic nature of such high- risk accounts. Forward the details of such high-risk customer(s) and any PEP/PEP Related persons noted to senior management for approval.  Ensure that such accounts have all the requisite documents such as updated annual EDDs, are marked as high risk in the system and the reason for high risk rating properly indicated.
• Ensure that the transactions contain the full details and the relevant supporting documentation and authorizations are in place where required. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion
• Ensure that all staff within the branch are trained and have an Up To Date understanding of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing environment.
• Ensure that UBO information is obtained and captured in AODs and core banking at point of account onboarding and throughout the customer journey.
• Examine and ensure that relevant bank documents, records, procedures and systems are followed and comply with the established policies, procedures, and authority limits, including AML/CFT/CPF.
• Track previously identified deficiencies and ensure management corrects them within established timelines
• Assess the adequacy of recordkeeping and record-retention processes
• Assure compliance by the bank to statutory and regulatory obligations in respect of money laundering/terrorism financing/proliferation financing policies, procedures and controls.

DECISION MAKING AUTHORITY

• Empowered to make managerial decisions.
• Approval on lending discretion as per lending policy.
• Approval of new accounts opened in the branch.
• Approval on costs within set budgets e.g. taxi expenses, facilities maintenance, petty cash spend etc.
• Discretion on resource allocation within the branches under approved headcount for optimum productivity.
• Approval of staff leave.

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.
• Master degree will be an added advantage.

WORK EXPERIENCE

Minimum 8 years’ working experience in a Banking environment, with sound exposure to Branch Operations, Credit Management and Business development, 4 years  should be at a management role.

SKILLS & COMPETENCIES

• Sound knowledge of Retail Banking/SME products, services and processes together with exposure in retail banking branch operations or customer service delivery.
• Profound understanding of retail market, key competitors and offerings as well as our competitive edges to win quality customers.
• Thorough understanding of CBK regulatory framework and pertinent regulations impacting corporate customers.
• Strong leadership, marketing, sales and management skills.
• Highly effective communicator with excellent interpersonal and motivational skills.
• Solid performance management and motivational skills.
• Excellent relationship building and stakeholder management skills.
• Strong managerial, planning, analytical, decision-making, lateral thinking and project management skills.

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (added advantage)

Read More & Apply

Senior Relationship Officer – Meru at Sidian Bank

Senior Relationship Officer – Meru

JOB PURPOSE

The jobholder is responsible for managing client relationships to achieve the set sales targets and wallet share and ensure sustained business growth and profitability in the assigned customer segment. To sell, cross/upsell and deliver excellent sales and service of the bank’s products and services whilst building long-term profitable customer relationships.

KEY RESPONSIBILTIES 

• Branch strategic input and planning
• Business Growth & Development
• Marketing & Brand Management
• Relationship Management & Customer experience
• Branch Operations
• Personal Leadership & Development
• Risk & Compliance

Branch Strategic input and planning:

• Contributes to the completion of the branch operational plan by preparing and implementing an individual business plan that encompasses strategies for performance on branch growth objectives.
• Formulate and implement personal initiatives for assigned and new business portfolio aimed at increasing new business and share of wallet from existing clients.
• Prepares a personal action plan that contributes to the overall branch budget.

Business Growth & Development:

• Full responsibility for all product lines and all sales and business development for new and assigned business portfolio.
• Achieve business growth of the Business portfolio (Both Assets and Liabilities) ensuring income, quality and portfolio growth targets are achieved.
• Growth in client recruitment, increased transactional income, cross selling of products ,Customer relationship management as per set bank targets.
• Develop new business opportunities and monitor business’s activities in line with the Bank’s long-term strategic and annual business plans and ensure that the Bank remains competitive and promptly reacts to changing market conditions and customer needs.
• Develop a new customer base by expanding markets and cross selling the bank products.
• Develop a focused relationship management system, which increases the branch ability to increase the flow of business and generate deposits, lending and revenues from existing and new customers in line with the enterprise strategy.
• Enhance the appropriate controls and monitoring mechanisms for the development of a high-quality lending.
• 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. 
• Enhancing relationship marketing and management – to establish, maintain, and enhance relationships 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 and updating the call reports.
• Ensuring compliance to the Environmental Social Management (ESM) policy and procedure in day to day branch business.
• Leverage position as a trusted advisor to the customers to proactively manage PAR.
• Utilise the banks MIS system for continuous tracking of own performance, monitoring of customer satisfaction and provision of management / statutory reports as applicable

Marketing & Brand Management

• Enhance creation by creating, communicating, delivering, and offering solutions that have value for customers, shareholders and partners.
• Build the Sidian Bank Brand to ensure that the bank is top of mind as an enterprise bank.
• Understand and provide clear direction to the branch based on market analysis of local area consumer trends and competitor offerings. 
• Establish relationships with key clients or business influencers in the local area, including client entertainment within budget limits set by the business. 
• Support product specialists and the sales team in marketing of initiatives and other products to local businesses. 

Relationship Management & Customer experience

• Key driver for not only customer satisfaction, but building a base of promoters by enhancing positive customer experience and advocacy to drive competitive advantage, leading to faster organic growth and lower cost.
• Achieve the set customer satisfaction score (CSAT), Customer Effort Score (CES), Customer Engagement Score and Net Promoter score (NPS).
• Co-ordinate branch initiatives aimed at gathering feedback from customers on service standards and advise Branch Manager on improvements.
• Engagement with customers and supporting them in times of personal need aimed at developing a strong bond and loyalty.
• Minimize customer attrition by offering the required solutions to the customer and proactively responding to queries and complaints.
• Achieve the required minimum client visits and customer engagement forums per year.
• Identify financial and non-financial requirements of HNW clients by conducting financial needs analysis

Branch Operations:

• Support branch operations as assigned by the Branch Manager to manage leave and other emergency situations.
• Support the Branch Manager if called upon to be a Branch custodian and therefore adhere to the Branch opening procedure, branch cash procedure and other policies and procedures in the branch.

Personal Leadership & Development:

• Set performance objectives and measures of success for in liaison with the Branch Manager and providing regular feedback from staff appraisal processes.
• Responsible for identifying personal career path in the bank. 
• Keeping abreast with staff communications, attending staff meetings – morning huddles and weekly progress meetings.
• Preparing an annual Personal Development Plan (PDP) and ensuring its actualization.
• Adherence to the banks policies and procedures, dress code, code of conduct, HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment.
• Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings.
• Adhere to the set number of learning/training hours are achieved for self and direct reports, through E-learning and Internal training activities.

Risk & Compliance:

• Ensure that all customers onboarded to the bank meet the minimum criteria and are screened adequately considering the Banks AML/CFT/CPF guidelines and escalation of any suspicious accounts.
• Continuously monitor customer transactions in the context of the profile of the customer and properly document the background and purpose of all complex, unusual, large transactions, and all unusual patterns of transactions, which have no apparent economic or visible lawful purpose. 
• Ensure that customer accounts are suitable for purpose e.g. avoid opening children’s accounts for normal day to day transactions as opposed to opening a current account.
• Prior to Customer on boarding, ensure that a potential client has been screened, account opening form is duly completed and all required documentation as per the account opening policy obtained.
• Ensure that verification is done as to the identity of the customer, documentation used to open account, and conducted transactions during the customer journey.
• Ensure that all transaction forms are filled to completion and properly reviewed. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion.
• Responsible for immediately alerting the MLRO on suspicious transactions or activities noted in customers’ accounts. Any inconsistent activities or transactions, any suspicious accounts, any attempted accounts or transactions, must be investigated and reported to the compliance function immediately, placing a clear basis of suspicion.
• Identify any high-risk accounts such as Politically Exposed Persons (PEP) at point of account opening and at execution of transaction continuously, given the dynamic nature of such high-risk accounts. Forward the details of such high-risk customer(s) and any PEP/PEP Related persons noted   to senior management for approval.  Ensure that such accounts have all the requisite documents such as updated annual EDDs, are marked as high risk in the system and the reason for high risk rating properly indicated. 
• Identify customers in portfolio that require an update of profiles in a timely manner and ensure that the changes are maintained in the system and are up-to-date. 
• Ensure that UBO information is obtained and captured in AODs and core banking at point of account onboarding and throughout the customer journey.
• Ensure accurate and complete data has been captured in the system and that customers are properly risk rated or categorized as per bank policy on customer categorization as high, medium or low, and ensure that timely KYC update is done for the various risk categories of clients as per regulatory requirements
• Ensure that the transactions contain the full details and the relevant supporting documentation and authorizations are in place where required. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion.

DECISION MAKING AUTHORITY

• Customer onboarding as per policy.
• Portfolio management as per policy.
• Credit appraisal and debt monitoring for accounts in PAR or NPL as per policy.

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.

WORK EXPERIENCE

• At least 5 years’ experience in retail banking and/or commercial banking including a minimum of 3 years sales experience.

SKILLS & COMPETENCIES

• Sound knowledge of Retail Banking/SME products, services and processes together with exposure in retail banking branch operations or customer service delivery.
• Profound understanding of retail market, key competitors and offerings as well as our competitive edges to win quality customers.
• Thorough understanding of CBK regulatory framework and pertinent regulations impacting corporate customers.
• Strong leadership, marketing, sales and management skills.
• Highly effective communicator with excellent interpersonal and motivational skills.
• Solid performance management and motivational skills.
• Excellent relationship building and stakeholder management skills.
• Strong managerial, planning, analytical, decision-making, lateral thinking and project management skills.

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (added advantage)

Read More & Apply

Senior Relationship Officer – Nkubu at Sidian Bank

JOB PURPOSE

The jobholder is responsible for managing client relationships to achieve the set sales targets and wasllet share and ensure sustained business growth and profitability in the assigned customer segment. To sell, cross/upsell and deliver excellent sales and service of the bank’s products and services whilst building long-term profitable customer relationships.

KEY RESPONSIBILTIES 

• Branch strategic input and planning
• Business Growth & Development
• Marketing & Brand Management
• Relationship Management & Customer experience
• Branch Operations
• Personal Leadership & Development
• Risk & Compliance

Branch Strategic input and planning:

• Contributes to the completion of the branch operational plan by preparing and implementing an individual business plan that encompasses strategies for performance on branch growth objectives.
• Formulate and implement personal initiatives for assigned and new business portfolio aimed at increasing new business and share of wallet from existing clients.
• Prepares a personal action plan that contributes to the overall branch budget.

Business Growth & Development:

• Full responsibility for all product lines and all sales and business development for new and assigned business portfolio.
• Achieve business growth of the Business portfolio (Both Assets and Liabilities) ensuring income, quality and portfolio growth targets are achieved.
• Growth in client recruitment, increased transactional income, cross selling of products ,Customer relationship management as per set bank targets.
• Develop new business opportunities and monitor business’s activities in line with the Bank’s long-term strategic and annual business plans and ensure that the Bank remains competitive and promptly reacts to changing market conditions and customer needs.
• Develop a new customer base by expanding markets and cross selling the bank products.
• Develop a focused relationship management system, which increases the branch ability to increase the flow of business and generate deposits, lending and revenues from existing and new customers in line with the enterprise strategy.
• Enhance the appropriate controls and monitoring mechanisms for the development of a high-quality lending.
• 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. 
• Enhancing relationship marketing and management – to establish, maintain, and enhance relationships 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 and updating the call reports.
• Ensuring compliance to the Environmental Social Management (ESM) policy and procedure in day to day branch business.
• Leverage position as a trusted advisor to the customers to proactively manage PAR.
• Utilise the banks MIS system for continuous tracking of own performance, monitoring of customer satisfaction and provision of management / statutory reports as applicable

Marketing & Brand Management

• Enhance creation by creating, communicating, delivering, and offering solutions that have value for customers, shareholders and partners.
• Build the Sidian Bank Brand to ensure that the bank is top of mind as an enterprise bank.
• Understand and provide clear direction to the branch based on market analysis of local area consumer trends and competitor offerings. 
• Establish relationships with key clients or business influencers in the local area, including client entertainment within budget limits set by the business. 
• Support product specialists and the sales team in marketing of initiatives and other products to local businesses. 

Relationship Management & Customer experience

• Key driver for not only customer satisfaction, but building a base of promoters by enhancing positive customer experience and advocacy to drive competitive advantage, leading to faster organic growth and lower cost.
• Achieve the set customer satisfaction score (CSAT), Customer Effort Score (CES), Customer Engagement Score and Net Promoter score (NPS).
• Co-ordinate branch initiatives aimed at gathering feedback from customers on service standards and advise Branch Manager on improvements.
• Engagement with customers and supporting them in times of personal need aimed at developing a strong bond and loyalty.
• Minimize customer attrition by offering the required solutions to the customer and proactively responding to queries and complaints.
• Achieve the required minimum client visits and customer engagement forums per year.
• Identify financial and non-financial requirements of HNW clients by conducting financial needs analysis

Branch Operations:

• Support branch operations as assigned by the Branch Manager to manage leave and other emergency situations.
• Support the Branch Manager if called upon to be a Branch custodian and therefore adhere to the Branch opening procedure, branch cash procedure and other policies and procedures in the branch.

Personal Leadership & Development:

• Set performance objectives and measures of success for in liaison with the Branch Manager and providing regular feedback from staff appraisal processes.
• Responsible for identifying personal career path in the bank. 
• Keeping abreast with staff communications, attending staff meetings – morning huddles and weekly progress meetings.
• Preparing an annual Personal Development Plan (PDP) and ensuring its actualization.
• Adherence to the banks policies and procedures, dress code, code of conduct, HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment.
• Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings.
• Adhere to the set number of learning/training hours are achieved for self and direct reports, through E-learning and Internal training activities.

Risk & Compliance:

• Ensure that all customers onboarded to the bank meet the minimum criteria and are screened adequately considering the Banks AML/CFT/CPF guidelines and escalation of any suspicious accounts.
• Continuously monitor customer transactions in the context of the profile of the customer and properly document the background and purpose of all complex, unusual, large transactions, and all unusual patterns of transactions, which have no apparent economic or visible lawful purpose. 
• Ensure that customer accounts are suitable for purpose e.g. avoid opening children’s accounts for normal day to day transactions as opposed to opening a current account.
• Prior to Customer on boarding, ensure that a potential client has been screened, account opening form is duly completed and all required documentation as per the account opening policy obtained.
• Ensure that verification is done as to the identity of the customer, documentation used to open account, and conducted transactions during the customer journey.
• Ensure that all transaction forms are filled to completion and properly reviewed. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion.
• Responsible for immediately alerting the MLRO on suspicious transactions or activities noted in customers’ accounts. Any inconsistent activities or transactions, any suspicious accounts, any attempted accounts or transactions, must be investigated and reported to the compliance function immediately, placing a clear basis of suspicion.
• Identify any high-risk accounts such as Politically Exposed Persons (PEP) at point of account opening and at execution of transaction continuously, given the dynamic nature of such high-risk accounts. Forward the details of such high-risk customer(s) and any PEP/PEP Related persons noted   to senior management for approval.  Ensure that such accounts have all the requisite documents such as updated annual EDDs, are marked as high risk in the system and the reason for high risk rating properly indicated. 
• Identify customers in portfolio that require an update of profiles in a timely manner and ensure that the changes are maintained in the system and are up-to-date. 
• Ensure that UBO information is obtained and captured in AODs and core banking at point of account onboarding and throughout the customer journey.
• Ensure accurate and complete data has been captured in the system and that customers are properly risk rated or categorized as per bank policy on customer categorization as high, medium or low, and ensure that timely KYC update is done for the various risk categories of clients as per regulatory requirements
• Ensure that the transactions contain the full details and the relevant supporting documentation and authorizations are in place where required. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion.

DECISION MAKING AUTHORITY

• Customer onboarding as per policy.
• Portfolio management as per policy.
• Credit appraisal and debt monitoring for accounts in PAR or NPL as per policy.

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.

WORK EXPERIENCE

• At least 5 years’ experience in retail banking and/or commercial banking including a minimum of 3 years sales experience.

SKILLS & COMPETENCIES

• Sound knowledge of Retail Banking/SME products, services and processes together with exposure in retail banking branch operations or customer service delivery.
• Profound understanding of retail market, key competitors and offerings as well as our competitive edges to win quality customers.
• Thorough understanding of CBK regulatory framework and pertinent regulations impacting corporate customers.
• Strong leadership, marketing, sales and management skills.
• Highly effective communicator with excellent interpersonal and motivational skills.
• Solid performance management and motivational skills.
• Excellent relationship building and stakeholder management skills.
• Strong managerial, planning, analytical, decision-making, lateral thinking and project management skills.

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (added advantage)

Read More & Apply

Senior Relationship Officer – Nairobi Region at Sidian Bank

JOB PURPOSE

The jobholder is responsible for managing client relationships to achieve the set sales targets and wallet share and ensure sustained business growth and profitability in the assigned customer segment. To sell, cross/upsell and deliver excellent sales and service of the bank’s products and services whilst building long-term profitable customer relationships.

KEY RESPONSIBILTIES 

• Branch strategic input and planning
• Business Growth & Development
• Marketing & Brand Management
• Relationship Management & Customer experience
• Branch Operations
• Personal Leadership & Development
• Risk & Compliance

Branch Strategic input and planning:

• Contributes to the completion of the branch operational plan by preparing and implementing an individual business plan that encompasses strategies for performance on branch growth objectives.
• Formulate and implement personal initiatives for assigned and new business portfolio aimed at increasing new business and share of wallet from existing clients.
• Prepares a personal action plan that contributes to the overall branch budget.

Business Growth & Development:

• Full responsibility for all product lines and all sales and business development for new and assigned business portfolio.
• Achieve business growth of the Business portfolio (Both Assets and Liabilities) ensuring income, quality and portfolio growth targets are achieved.
• Growth in client recruitment, increased transactional income, cross selling of products ,Customer relationship management as per set bank targets.
• Develop new business opportunities and monitor business’s activities in line with the Bank’s long-term strategic and annual business plans and ensure that the Bank remains competitive and promptly reacts to changing market conditions and customer needs.
• Develop a new customer base by expanding markets and cross selling the bank products.
• Develop a focused relationship management system, which increases the branch ability to increase the flow of business and generate deposits, lending and revenues from existing and new customers in line with the enterprise strategy.
• Enhance the appropriate controls and monitoring mechanisms for the development of a high-quality lending.
• 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.
• Enhancing relationship marketing and management – to establish, maintain, and enhance relationships 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 and updating the call reports.
• Ensuring compliance to the Environmental Social Management (ESM) policy and procedure in day to day branch business.
• Leverage position as a trusted advisor to the customers to proactively manage PAR.
• Utilise the banks MIS system for continuous tracking of own performance, monitoring of customer satisfaction and provision of management / statutory reports as applicable

Marketing & Brand Management

• Enhance creation by creating, communicating, delivering, and offering solutions that have value for customers, shareholders and partners.
• Build the Sidian Bank Brand to ensure that the bank is top of mind as an enterprise bank.
• Understand and provide clear direction to the branch based on market analysis of local area consumer trends and competitor offerings.
• Establish relationships with key clients or business influencers in the local area, including client entertainment within budget limits set by the business.
• Support product specialists and the sales team in marketing of initiatives and other products to local businesses.

Relationship Management & Customer experience

• Key driver for not only customer satisfaction, but building a base of promoters by enhancing positive customer experience and advocacy to drive competitive advantage, leading to faster organic growth and lower cost.
• Achieve the set customer satisfaction score (CSAT), Customer Effort Score (CES), Customer Engagement Score and Net Promoter score (NPS).
• Co-ordinate branch initiatives aimed at gathering feedback from customers on service standards and advise Branch Manager on improvements.
• Engagement with customers and supporting them in times of personal need aimed at developing a strong bond and loyalty.
• Minimize customer attrition by offering the required solutions to the customer and proactively responding to queries and complaints.
• Achieve the required minimum client visits and customer engagement forums per year.
• Identify financial and non-financial requirements of HNW clients by conducting financial needs analysis

Branch Operations:

• Support branch operations as assigned by the Branch Manager to manage leave and other emergency situations.
• Support the Branch Manager if called upon to be a Branch custodian and therefore adhere to the Branch opening procedure, branch cash procedure and other policies and procedures in the branch.

Personal Leadership & Development:

• Set performance objectives and measures of success for in liaison with the Branch Manager and providing regular feedback from staff appraisal processes.
• Responsible for identifying personal career path in the bank.
• Keeping abreast with staff communications, attending staff meetings – morning huddles and weekly progress meetings.
• Preparing an annual Personal Development Plan (PDP) and ensuring its actualization.
• Adherence to the banks policies and procedures, dress code, code of conduct, HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment.
• Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings.
• Adhere to the set number of learning/training hours are achieved for self and direct reports, through E-learning and Internal training activities.

Risk & Compliance:

• Ensure that all customers onboarded to the bank meet the minimum criteria and are screened adequately considering the Banks AML/CFT/CPF guidelines and escalation of any suspicious accounts.
• Continuously monitor customer transactions in the context of the profile of the customer and properly document the background and purpose of all complex, unusual, large transactions, and all unusual patterns of transactions, which have no apparent economic or visible lawful purpose.
• Ensure that customer accounts are suitable for purpose e.g. avoid opening children’s accounts for normal day to day transactions as opposed to opening a current account.
• Prior to Customer on boarding, ensure that a potential client has been screened, account opening form is duly completed and all required documentation as per the account opening policy obtained.
• Ensure that verification is done as to the identity of the customer, documentation used to open account, and conducted transactions during the customer journey.
• Ensure that all transaction forms are filled to completion and properly reviewed. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion.
• Responsible for immediately alerting the MLRO on suspicious transactions or activities noted in customers’ accounts. Any inconsistent activities or transactions, any suspicious accounts, any attempted accounts or transactions, must be investigated and reported to the compliance function immediately, placing a clear basis of suspicion.
• Identify any high-risk accounts such as Politically Exposed Persons (PEP) at point of account opening and at execution of transaction continuously, given the dynamic nature of such high-risk accounts. Forward the details of such high-risk customer(s) and any PEP/PEP Related persons noted   to senior management for approval.  Ensure that such accounts have all the requisite documents such as updated annual EDDs, are marked as high risk in the system and the reason for high risk rating properly indicated.
• Identify customers in portfolio that require an update of profiles in a timely manner and ensure that the changes are maintained in the system and are up-to-date.
• Ensure that UBO information is obtained and captured in AODs and core banking at point of account onboarding and throughout the customer journey.
• Ensure accurate and complete data has been captured in the system and that customers are properly risk rated or categorized as per bank policy on customer categorization as high, medium or low, and ensure that timely KYC update is done for the various risk categories of clients as per regulatory requirements
• Ensure that the transactions contain the full details and the relevant supporting documentation and authorizations are in place where required. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion.

DECISION MAKING AUTHORITY

• Customer onboarding as per policy.
• Portfolio management as per policy.
• Credit appraisal and debt monitoring for accounts in PAR or NPL as per policy.

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.

WORK EXPERIENCE

• At least 5 years’ experience in retail banking and/or commercial banking including a minimum of 3 years sales experience.

SKILLS & COMPETENCIES

• Sound knowledge of Retail Banking/SME products, services and processes together with exposure in retail banking branch operations or customer service delivery.
• Profound understanding of retail market, key competitors and offerings as well as our competitive edges to win quality customers.
• Thorough understanding of CBK regulatory framework and pertinent regulations impacting corporate customers.
• Strong leadership, marketing, sales and management skills.
• Highly effective communicator with excellent interpersonal and motivational skills.
• Solid performance management and motivational skills.
• Excellent relationship building and stakeholder management skills.
• Strong managerial, planning, analytical, decision-making, lateral thinking and project management skills.

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (added advantage)

Read More & Apply

AML – CFT – CPF and Compliance Analyst at Sidian Bank

JOB PURPOSE

The job holder will responsible for performing AML/CFT/CPF compliance functions. Such functions include implementing the Bank’s AML/CFT/CPF compliance program, conducting investigations, analysis and responding to Money Laundering/ Terrorism Financing/Proliferation Financing (ML/TF/PF) cases, identifying points of compromise and potential loss.

KEY RESPONSIBILITIES AND ACTIVITIES

KEY RESPONSIILITIES

• Transaction Monitoring and Reviews
• Collaborative Partnerships
• Strengthening Risk Management
• Reporting 

Transaction Monitoring and Reviews

• Implement adequate AML/CFT/CPF controls to ensure that all possible areas of AML/CFT/CPF concerns are covered.
• Perform regular reviews of all AML/CFT/CPF controls to assess effectiveness. This includes;
• Sanction and Politically Exposed Person (PEP) screening program
• Transaction monitoring program
• Suspicious Activity Reporting (SAR) management program
• Adverse Media mentions review program
• Investigative orders management program
• Perform detailed analyses to detect patterns, trends, anomalies and schemes in transactions and relationships across bank’s processes/ customers/ products.

Collaborative Partnerships

• Assist in implementing a bank-wide AML/CFT/CPF program through risk awareness training program for all staff especially on identification and reporting of suspicious transactions. 
• Maintain detailed knowledge of current AML/CFT/CPF regulations and keep track of developments within the AML/CFT/CPF scope, sanctions, terrorist financing issues, including policies, procedures, regulations, industry best practice, criminal typologies and developing trends.
• Maintain strong working relationship with internal stakeholders to ensure that compliance issues are regularly discussed and addressed

Strengthening Risk Management

• Ensure that AML/CFT/CPF procedures and processes are in line with regulatory requirements.
• Proactively identify gaps in the assigned reviews, assessments, projects and follow up on implementation of agreed mitigation controls.
• Monitor and track closure of management actions  from the compliance reviews,  regulators’ and External auditors’ reports.

Reporting

• Prepare weekly, monthly and quarterly reports on the state of AML/CFT/CPF program to the MLRO
• Report control weaknesses or lapses to the manager in a timely manner, recommend mitigation controls or process and policy changes and follow up implementation of agreed actions.
• Execution of instructions and any other duties from the Manager Compliance/ Senior Manager Compliance, as assigned from time to time.

DECISION MAKING AUTHORITY

• Closure and escalation of alerts 
• Suspicious transaction to be reported 
• Appropriate documentation for use in Suspicious Activity or Transaction supporting documents  
• Transactions to be marked in the system as suspicious 
• Customers to be updated in the blacklist 
• Communications to business on awareness on issues and trends noted 
• Appropriate remediation action on implementing the Bank’s AML/CFT/CPF program
• Training requirements for the business 
• Compliance activities to be monitored 
• Sample High-risk accounts to be reviewed.

ACADEMIC BACKGROUND

• Bachelor’s Degree in Business related course or equivalent.
•  Anti-Money Laundering  Certification.

WORK EXPERIENCE

• At least 2 years’ banking experience in AML/CFT/CPF in an Enterprise Risk Management function.

SKILLS & COMPETENCIES

• Knowledge of money laundering techniques and regulations
• Knowledge of regulatory compliance requirements and risk management principles
• Demonstrable analytical skills and Experience in working with Server Query Language (SQL) and analyzing large volumes of data
• Good knowledge of payment services and operations
• Good Organizing and planning skills
• Good knowledge of payment services and operations
• Results oriented, effective communicator and a team player eager to learn and share experiences
• Proficiency in Microsoft Office Applications.

Read More & Apply

Portfolio Manager at Sidian Bank

Portfolio Manager

JOB PURPOSE

The role holder will be responsible for leading data-driven decision-making within the Digital Lending unit by designing, implementing, and optimizing credit scoring models, risk analytics frameworks, and product performance dashboards. The position ensures that business strategies, customer targeting, and risk decisions are guided by accurate, timely, and actionable data insights.

KEY RESPONSIBILTIES 

• Data Strategy & Governance
• Credit Analytics & Model Development
• Performance Monitoring & Insights
• Stakeholder Engagement & Business Support
• Customer Experience & Services Delivery
• Leadership & Capacity Building 
• Risk & Compliance Analytics

MAIN ACTIVITIES:

Data Strategy & Governance

• Develop and implement a data strategy for digital lending products 
• Ensure data quality, governance, and consistency across lending platforms, integrations, and reporting systems.
• Collaborate with IT, Risk, and Finance to ensure alignment with enterprise data standards and regulatory compliance (e.g., CBK, Data Protection Act).

Credit Analytics & Model Development

• Lead the design and continuous improvement of credit scoring and behavioural models using customer transaction and alternative data sources.
• Apply machine learning and statistical modeling to improve loan eligibility, limit assignment, and default prediction.
• Collaborate closely with the Credit Risk and Bank Risk teams to align model development with the bank’s credit policy, risk appetite, and regulatory standards.
• Ensure models are tested, validated, and monitored in line with model risk management principles, incorporating feedback from the risk teams during each review cycle.
• Partner with Credit Risk to establish performance monitoring metrics (e.g., default rates, PD, LGD, EAD) and continuously refine models based on emerging portfolio trends and risk insights.

Performance & Portfolio Monitoring

• Build and maintain real-time dashboards tracking portfolio performance, repayment trends, and product profitability.
• Provide actionable insights to optimize loan limits, pricing, and repayment strategies.
• Conduct root cause analysis of delinquency and loss trends and propose corrective actions.

Stakeholder Engagement & Business Support

• Collaborate with product managers, risk officers, and partners to translate data insights into product enhancements.
• Provide data-driven recommendations for pricing, customer segmentation, and credit policy adjustments.
• Present regular reports to management highlighting key trends, risks, and opportunities.

Customer Experience & Service Delivery

• Ensure data insights and analytics are used to enhance customer experience across the digital lending journey — from onboarding and credit assessment to loan servicing and repayment.
• Use customer feedback and behavioural data to identify pain points, reduce loan approval turnaround times, and improve satisfaction scores.
• Collaborate with the customer service team to build data-driven dashboards that track service efficiency (e.g., loan disbursement delays, repayment success rates, and complaint resolution trends).
• Support proactive management of customer relationships through early identification of delinquency risk or service friction points.
• Champion a customer-first culture by embedding data-led decision-making that aligns risk management with customer value and trust.s

Personal Leadership & Development

• Manage self: Show drive and motivation, an ability to self-reflect and a commitment to learning;
• Communicate effectively communicate clearly, actively listen to others, and respond with understanding and respect.s
•  
• Commit to Customer Service: provide, customer-focused services in line with banking sector and organizational objectives – adherence to the bank customer service charter and ensure personal accountability so as to meet the laid down Service Level Agreements (SLA) and work within stipulated Turn Around Time (TAT).
• Work Collaboratively Collaborate with others and value their contribution.
• Deliver Results Achieve results through the efficient use of resources and a commitment to quality outcomes;
• Think and solve problems, analyze and consider the broader context to develop practical.

• Keeping abreast with staff communications, attending staff meetings – morning huddles and weekly progress meetings.
• Responsible for own career within the bank and preparing an annual Personal Development Plan (PDP) and ensuring its actualization.
• Adherence to the banks policies and procedures, dress code, code of conduct, HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment.
• Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings.
• Live the brand values as a Sidian Bank brand ambassador and always project the right image of the bank to both staff and customers.s

Risk & Compliance Analytics

• Develop and maintain data-driven risk monitoring tools in collaboration with Risk and Compliance teams.
• Detect unusual transaction patterns, potential fraud, and early warning indicators using analytics.
• Ensure all analytical processes adhere to AML/CFT, Data Protection, and CBK regulatory requirements.

DECISION MAKING AUTHORITY

• Recommendations of analytics frameworks, data models, and reporting methodologies.
• Recommendations on lending performance metrics, risk indicators, and credit limit adjustments.
• Oversight of model validation, risk psarameter calibration, and data governance standards within Digital Lending.

ACADEMIC BACKGROUND

• Bachelor’s degree in Statistics, Mathematics, Computer Science, Data Science, Economics, or related field.
• Master’s degree in Data Analytics, Quantitative Finance, or Business Analytics is an added advantage.
• Strong command of SQL, Python/R, Power BI/Tableau, and statistical modeling tools.

WORK EXPERIENCE

• At least five (5)5 years’ experience in banking.
• 3+ years of experience in data analytics, credit risk, or data science, preferably in digital lending or financial services.

SKILLS & COMPETENCIES

• Strong knowledge of digital lending, retail, and SME financial products, with a deep understanding of data flows and customer transaction behaviors across digital channels.
• Solid grasp of the CBK regulatory framework, data protection requirements, and reporting obligations impacting digital credit and financial data usage.
• Demonstrated ability to translate business problems into analytical solutions through advanced data modeling, visualization, and insight generation.
• Proven experience in data governance, quality assurance, and automation, ensuring accuracy and reliability in analytics outputs.
• Excellent communication and presentation skills, with the ability to explain technical insights to non-technical stakeholders and influence strategic decisions.
• Strong stakeholder management and collaboration skills, working cross-functionally with Credit Risk, Compliance, Product, and IT teams.
• Leadership and team development skills with the ability to mentor analysts and drive a data-informed culture within Digital Lending.
• Exceptional analytical, critical thinking, and problem-solving abilities, with attention to detail and a proactive approach to innovation.
• Effective planning, prioritization, and project management capabilities to deliver analytics initiatives on time and with measurable impact.

PROFESSIONAL CERTIFICATION

Desirable to have:

• Professional Certification in Data Analytics, Data Science, or Business Intelligence.

Read More & Apply

Assistant Manager Internal Audit at Sidian Bank 

JOB PURPOSE

The job holder will be responsible for providing an independent, objective assurance on the adequacy and effectiveness of the bank’s governance, risk management, compliance, and internal control environment. He/she will lead and oversee the planning, execution, reporting, and follow-up of complex audit assignments in line with IIA Standards, CBK Prudential Guidelines, and the bank’s internal audit methodology. Support the Audit Manager in managing the audit function, coordinating engagements, reviewing audit deliverables, and driving continuous improvement across audit processes and tools.

KEY RESPONSIBILITIES

• Audit Planning 

• Lead comprehensive, risk-based planning for assigned audits by analyzing enterprise risks, regulatory expectations, historical audit results, emerging risks, and strategic priorities.
• Define audit objectives, scope, and detailed test procedures that directly address inherent, residual, and emerging risks, ensuring alignment with the annual audit plan.
• Conduct in-depth process understanding through walkthroughs, data analysis, policy reviews, and stakeholder interviews to identify control gaps or vulnerabilities early.
• Determine the appropriate audit approach, sampling methodology, nature, timing, and extent of testing using risk-based and data-driven criteria.
• Assess resource needs, develop audit budgets and timelines, and ensure team members are properly briefed and prepared prior to fieldwork.

• Audit Execution

• Lead, supervise, and mentor audit teams during fieldwork, ensuring adherence to audit standards, methodology, and quality expectations.
• Evaluate the design, implementation, and operating effectiveness of controls across operational, financial, ICT, credit, market, liquidity, strategic, and compliance processes.
• Apply strong analytical techniques including root cause analysis, data analytics, trend analysis, and control effectiveness validation.
• Review working papers for completeness, accuracy, and sufficiency of evidence to support audit conclusions and risk ratings.
• Ensure timely escalation of significant issues, control failures, fraud indicators, or regulatory non-compliance identified during fieldwork.
• Maintain high-quality documentation that meets internal quality assurance requirements and is defensible to internal and external reviewers.

• Audit Reporting, Monitoring & Follow-Up 

• Prepare high-impact, concise, and well-supported audit reports that clearly articulate issues, underlying root causes, associated risks, and practical recommendations.
• Present audit findings confidently to departmental heads, senior management, and governance committees where required.
• Track and monitor management action plans, validate remediation, and perform follow-up reviews to ensure the effectiveness and sustainability of corrective actions.
• Identify recurring issues across departments and proactively recommend systemic or enterprise-wide interventions to strengthen controls.
• Prepare periodic updates, audit status reports, and emerging risk summaries for the Audit Manager and relevant stakeholders.
• Support and lead special reviews, fraud investigations, system audits, and ad-hoc assignments as delegated.

• Risk & Compliance
•  
• Provide independent and objective assurance on the effectiveness of the bank’s risk management, compliance, and governance frameworks.
• Evaluate the adequacy and operating effectiveness of controls in key risk areas and across risk types (credit, operational, ICT/cybersecurity, AML/CFT/CPF, regulatory).
• Review and challenge the quality, completeness, and accuracy of risk assessments, KRIs, RCSAs, and mitigation plans developed by business units and second-line functions.
• Test compliance with relevant laws, regulatory requirements, CBK guidelines, internal policies, and industry best practices.
• Document and escalate control weaknesses, non-compliance, unethical conduct, and emerging risks promptly and in accordance with escalation protocols.
• Provide advisory insight on new regulatory developments and business initiatives while preserving audit independence.
• Engage regulators and external auditors in coordination with the Audit Manager to support supervisory reviews, inspections, and audits.
• Maintain up-to-date professional knowledge on emerging risks, regulatory trends, and financial crime typologies.

DECISION MAKING AUTHORITY

• Determine the audit approach, depth of testing, and sampling strategies for assigned engagements based on risk assessment and professional judgment.
• Evaluate the adequacy and effectiveness of internal controls and assign issue ratings consistent with the bank’s methodology and regulatory expectations.
• Decide whether sufficient and appropriate evidence has been obtained to support audit conclusions and issue closure.
• Recommend improvements and control enhancements aligned with business realities and regulatory requirements.
• Approve working papers and draft reports prepared by team members prior to management review.
• Escalate material risks, control failures, fraud indicators, or non-compliance without delay.
• Exercise sound judgment in balancing audit rigor, business impact, and operational practicality.

ACADEMIC BACKGROUND

Bachelor’s degree in Accounting, Finance, Business Administration, Economics, Information Systems, or a related field from a recognized institution.

WORK EXPERIENCE

• Minimum 5 years’ progressive internal audit, risk management, or assurance experience in a financial institution or similar high-control environment.
• Demonstrated experience leading complex audits, supervising audit teams, and dealing with senior management and regulators.
• Proven exposure to banking operations, credit processes, digital banking, financial crime risk, ICT audits, and regulatory compliance.
• Experience in using audit management systems and data analytics tools is an added advantage.

SKILLS & COMPETENCIES

• Advanced analytical, critical thinking, and problem-solving capabilities.
• Strong report-writing and communication skills with the ability to articulate complex issues clearly.
• High professional skepticism, attention to detail, and ability to challenge effectively.
• Strong interpersonal and negotiation skills for engaging stakeholders at various levels.
• Demonstrated ability to supervise teams, coach staff, and review work to ensure quality.
• Time management, multitasking ability, and capacity to manage tight deadlines.
• Ability to travel and work across multiple locations as needed.
• High integrity, discretion, and adherence to ethical standards.

PROFESSIONAL CERTIFICATION

• CPA (K) or ACCA mandatory.
• CIA, CISA, CRMA, CFE, or equivalent certification is a strong advantage

Read More & Apply

Branch Manager – Nairobi Region at Sidian Bank

JOB PURPOSE

The jobholder will Coordinate with the Head – Branches in implementing and carrying out bank policy and procedures with respect to overall operations of branch. The role is responsible for business development within the branch market to meet or exceed business development goals; development, coaching and discipline of staff to assure appropriate proper branch sales and customer service given the Bank’s branch staffing model; and adherence to policies and procedures. 

KEY RESPONSIBILTIES 

• Branch strategic input and planning
• Business Growth & Development
• Marketing & Brand Management
• Relationship Management & Customer experience
• Branch Operations
• Leadership & People Management
• Risk & Compliance

MAIN RESPONSIBILTIES 

Branch Strategic input and planning:

• Contributes to the completion of the Sidian Bank Retail Operational plan by preparing and implementing a branch business plan that encompasses strategies for performance on branch growth objectives.
• Understand and provide clear direction to the branch based on market analysis of local area consumer trends and competitor offerings.
• Prepares the branch budget for approval and contributes to the overall control of expenditure by monitoring costs and reporting on performance against budget variations.
• Formulate and implement business strategic initiatives for the branch aimed at increasing new business and share of wallet from existing clients.
• Ensure Growth in NII (Net Interest Income) for branch by increasing fees and commissions, ensuring OPEX optimization to reduce operational costs and managing cost of cash holding at the branch level.

Business Growth &  Development:

• Full responsibility for all product lines and all sales and business development for entire branch business.
• Responsible for the growth of the Branch’s Business portfolio (Both Assets and Liabilities) ensuring income, quality and portfolio growth targets are achieved.
• Responsible for the Growth in client recruitment, increased transactional income, cross selling of products ,Customer relationship management as per set bank targets.
• Develop business opportunities and monitor business’s activities in line with the Bank’s long-term strategic and annual business plans and ensure that the Bank remains competitive and promptly reacts to changing market conditions and customer needs.
• Develop and implement a branch turnaround strategy to ensure that at least the branch is profitable.
• Develop a focused relationship management system, which increases the branch ability to increase the flow of business and generate deposits, lending and revenues from existing and new customers in line with the enterprise strategy.
• Enhance the appropriate controls and monitoring mechanisms for the development of a high-quality lending.
• 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. 
• Enhance relationship marketing and management – to establish, maintain, and enhance relationships 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.
• Ensuring compliance to the Environmental Social Management (ESM) policy and procedure in day to day branch business.

Marketing & Brand Management:

• Embed strategic marketing by focusing on how to develop competitive advantage into the changing marketplace and leveraging on the banks distinctive capabilities to drive value.
• In conjunction with Head of Branch Business and Products Managers, conduct product review and product development through constant feedback from the market
• Enhance creation by creating, communicating, delivering, and offering solutions that have value for customers, shareholders and partners.
• Build the Sidian Bank Brand to ensure that the bank is top of mind as an enterprise bank.
• Understand and provide clear direction to the branch based on market analysis of local area consumer trends and competitor offerings. 
• Ensure that merchandising materials are displayed in accordance with guidelines. 
• Brief staff on promotional and product launches; provide regular feedback on sales performance. 
• Establish relationships with key clients or business influencers in the local area, including client entertainment within budget limits set by the business. 
• Support product specialists and the sales team in marketing of initiatives and other products to local businesses. 

Relationship Management & Customer Experience:

• Key driver for not only customer satisfaction, but building a base of promoters by enhancing positive customer experience and advocacy to drive competitive advantage, leading to faster organic growth and lower cost.
• Create a differentiated customer experience design, tailored to target customer needs and optimize customer interactions with the brand, offerings, and touch points to consistently deliver and make continuous improvements to the design.
• Link sales and service and embed customer service culture as the bedrock to grow the balance sheet.
• Manage key branch relationships.
• Ensure wait time within permissible limits as per segmental service approach and Sidian brand standards.
• Achieve the set customer satisfaction score (CSAT), Customer Effort Score (CES), Customer Engagement Score and Net Promoter score (NPS).
• Ensuring no escalations at branch and complaint handling.
• Co-ordinate branch initiatives aimed at gathering feedback from customers on service standards and advise business heads on improvements.
• Engagement with customers and supporting them in times of personal need aimed at developing a strong bond and loyalty.

Branch Operations:

• Ensure the branch is opened and closed on time as per CBK requirement and any escalation where the same is not met.
• Ensures operations meet legislative and Sidian Bank policy requirements, including health and safety requirements, by monitoring systems, procedures and workflows, and implementing corrective action.
• Responsible for all security procedures within the branch including opening procedures, camera surveillance and maintenance, video monitoring, robbery and fire drill procedures.
• Ensures adequate cash levels to support operations.
• Ensures branch staff are adequately trained in KYC and AML and are adhering to the prudential guidelines.
• Adhere to standardized branch guidelines.
• Ensure availability of necessary infrastructure in branch.
• Closely monitor branch business performance and ensure accurate records of the same are maintained and forwarded to the Head of Branch Business and respective Business Heads.
• Ensure all branch staff follow the laid down branch opening procedure and other branch operations policies and procedures.
• Ensure adequate staffing at start of day and report any absence as it may have an impact on service delivery.

Leadership & Management:

• With the support of the HR Business Partner, the Branch Manager has the ultimate responsibility for the Human Resource Management of the branch staff and consults with HR on clarity and interpretation of the HR policy.
• Set performance objectives and measures of success for direct reports, providing regular feedback from staff appraisal processes.
• Contributes to the ability of staff to meet performance objectives by providing day to day supervision, training and support and leading performance processes in accordance with Sidian policies and procedures.
• Responsible for identifying and developing career path opportunities for staff. 
• Contributes to the development of staff by assisting with the interpretation and implementation of operational policies and procedures.
• Responsible for assigning tasks to staff, scheduling and monitoring work and reviewing results for timeliness, accuracy and quality.
• Contributes to the flow of staff communications, by conducting regular staff meetings – morning huddles and weekly progress meetings.
• Encourages staff to participate in internal and external training and development opportunities as these arise and in accordance with individualized development plans.
• Responsible for the presentation and service standards of retail staff to ensure a professional image is maintained with all clients.
• Ensures adherence to dress code, code of conduct and HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment.
• Responsible for mentoring and coaching the retail team to enhance staff motivation, engagement and improve performance.
• Responsible  for the overall Risk and Compliance activities in the branch set up and therefore must ensure compliance in all areas by Branch Staff and  will be held accountable for lapses in the branch 
• Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings.
• Manage performance /disciplinary issues/grievances for staff. 
• Ensure there is proper succession planning by maintaining an effective leave program and an in-house training schedule for ease of relief due to leave or sickness.
• Ensure the set number of learning/training hours are achieved for self and direct reports, through E-learning and Internal training activities.

Risk & Compliance

• To ensure implementation and compliance with operational policies and procedures at the branch and maintain a culture within the branch that emphasizes and demonstrates the importance of internal control to all staff.
• Ensure compliance with agreed limits of authority and levels of access to systems and information.
• Ensure that all customers onboarded to the bank meet the minimum criteria and are screened adequately considering the Banks AML/CFT/CPF guidelines and escalation of any suspicious accounts.
• Continuously monitor customer transactions in the context of the profile of the customer and properly document the background and purpose of all complex, unusual, large transactions, and all unusual patterns of transactions, which have no apparent economic or visible lawful purpose. Any such inconsistent activities or transactions must be investigated and reported to the compliance function immediately with a clear basis of suspicion. 
• Responsible for immediately alerting the MLRO on suspicious transactions or activities noted in customers’ accounts escalated by the branch staff. Any inconsistent activities or transactions, any suspicious accounts, any attempted accounts or transactions, must be investigated and reported to the compliance function immediately, placing a clear basis of suspicion.
• Ensure that customer accounts are suitable for purpose e.g. avoid opening children’s accounts for normal day to day transactions as opposed to opening a current account.
• Prior to Customer on boarding, ensure that a potential client has been screened, account opening form is duly completed and all required documentation as per the account opening policy obtained.
• Ensure that verification is done as to the identity of the customer, documentation used to open account, and conducted transactions during the customer journey.
• Ensure that all staff within the branch are trained and have an Up to Date understanding of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing environment.
• Identify major risks affecting the branch and ensure necessary steps are taken to measure, monitor, and control structure with control activities defined at each level and duties properly segregated.
• Recommend revision of controls, where appropriate, to address new or previously uncontrolled risks
• Identify any high – risk accounts such as Politically Exposed Persons (PEP) at point of account opening and at execution of transaction continuously, given the dynamic nature of such high- risk accounts. Forward the details of such high-risk customer(s) and any PEP/PEP Related persons noted   to senior management for approval.  Ensure that such accounts have all the requisite documents such as updated annual EDDs, are marked as high risk in the system and the reason for high risk rating properly indicated. 
• Ensure that the transactions contain the full details and the relevant supporting documentation and authorizations are in place where required. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion
• Ensure that all staff within the branch are trained and have an Up To Date understanding of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing environment.
• Ensure that UBO information is obtained and captured in AODs and core banking at point of account onboarding and throughout the customer journey.
• Examine and ensure that relevant bank documents, records, procedures and systems are followed and comply with the established policies, procedures, and authority limits, including AML/CFT/CPF.
• Track previously identified deficiencies and ensure management corrects them within established timelines
• Assess the adequacy of recordkeeping and record-retention processes
• Assure compliance by the bank to statutory and regulatory obligations in respect of money laundering/terrorism financing/proliferation financing policies, procedures and controls.

DECISION MAKING AUTHORITY

• Empowered to make managerial decisions.
• Approval on lending discretion as per lending policy.
• Approval of new accounts opened in the branch.
• Approval on costs within set budgets e.g. taxi expenses, facilities maintenance, petty cash spend etc.
• Discretion on resource allocation within the branches under approved headcount for optimum productivity.
• Approval of staff leave.

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.
• Master degree will be an added advantage.

WORK EXPERIENCE

Minimum 8 years’ working experience in a Banking environment, with sound exposure to Branch Operations, Credit Management and Business development, 4 years  should be at a management role.

SKILLS & COMPETENCIES

• Sound knowledge of Retail Banking/SME products, services and processes together with exposure in retail banking branch operations or customer service delivery.
• Profound understanding of retail market, key competitors and offerings as well as our competitive edges to win quality customers.
• Thorough understanding of CBK regulatory framework and pertinent regulations impacting corporate customers.
• Strong leadership, marketing, sales and management skills.
• Highly effective communicator with excellent interpersonal and motivational skills.
• Solid performance management and motivational skills.
• Excellent relationship building and stakeholder management skills.
• Strong managerial, planning, analytical, decision-making, lateral thinking and project management skills.

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (added advantage)

Read More & Apply

Contact Centre Supervisor at Sidian Bank

JOB PURPOSE

The primary function of the Customer Contact Centre Supervisor is to coordinate and oversee the daily operations of the Customer Contact Centre. This includes providing weekend and holiday shift coverage, monitoring Customer Contact Centre Representatives (CCR’s) activity when necessary. The supervisor is also expected to monitor and ensure that all Customer Contact Centre procedures are performed in accordance with the objectives in the organization and within the guidelines of the Bank.

KEY RESPONSIBILTIES 

• Operations
• Customer Service Management
• People Management
• Personal Leadership & Development
• Team Leadership & Development
• Risk Management

MAIN ACTIVITIES

Operations.

• Daily Supervision of the CCR’s.
• Provide support to CCR’s by addressing questions, issues, concerns, and responding to client request.
• Run and analyze Customer Contact center system reports to maintain standards at the Customer Contact Centre.
• Ensure compliance with both internal and external regulatory
• Responsible for Contact Centre SLA, answer rates and resolution rates.
• Contact center management reports

Customer Service Management

• Follow up of escalated customer issues
• Follow- up of customer complaints.
• Check in calls on service with branches

People Management

• Train, monitor and coach contact center representatives. 
• Act as liaison between Management and the Customer Contact Center 
• Perform CCR’s appraisals 
• Coordinate team meetings

Personal Leadership & Development:

• Manage self by showing drive and motivation, an ability to self-reflect and a commitment to learning.
• Communicate effectively communicate clearly, actively listen to others, and respond with understanding and respect.
• Commit to Customer Service: provide, customer-focused services in line with banking sector and organizational objectives – adherence to the bank customer service charter and ensure personal accountability so as to meet the laid down Service Level Agreements (SLA) and work within stipulated Turn Around Time (TAT).
• Work Collaboratively Collaborate with others and value their contribution.
• Deliver Results Achieve results through the efficient use of resources and a commitment to quality outcomes.
• Think and solve problems, analyze and consider the broader context to develop practical.
• Keeping abreast with staff communications, attending staff meetings – morning huddles and weekly progress meetings.
• Responsible for own career within the bank and preparing an annual Personal Development Plan (PDP) and ensuring its actualization.
• Adherence to the banks policies and procedures, dress code, code of conduct, HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment.
• Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings.
• Live the brand values as a Sidian Bank brand ambassador and always project the right image of the bank to both staff and customers.

Team Leadership & Management:

• With the support of the HR Business Partner, the Line Manager has the ultimate responsibility for the Human Resource Management of the team and consults with HR on clarity and interpretation of the HR policy;
• Set performance objectives and measures of success for direct reports, providing regular feedback from staff appraisal processes and contributes to the ability of staff to meet performance objectives by providing day to day supervision, training and support and leading performance processes in accordance with Sidian policies and procedures;
• Responsible for assigning tasks to staff, scheduling and monitoring work and reviewing results for timeliness, accuracy and quality.
• Contributes to the flow of staff communications, by leading regular staff meetings – morning huddles and weekly progress meetings.
• Encourages staff to participate in internal and external training and development opportunities as these arise and in accordance with individualized development plans;
• Responsible for the presentation and service standards of retail staff to ensure a professional image is maintained with all clients;
• Ensures adherence to dress code, code of conduct and HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment;
• Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings;
• Ensure there is proper succession planning by maintaining an effective leave program and an in-house training schedule for ease of relief due to leave or sickness.
• Ensure the set number of learning/training hours are achieved for self and direct reports, through E-learning and Internal training activities.

DECISION MAKING AUTHORITY

• Customer resolution as per the contact center policy and procedure manual.
• Customer issue escalation as per the contact center policy and procedure manual.
• Customer complaints escalation as per contact center policy and procedure manual
• Customer complaint register as per the CBK complaints guidelines.

ACADEMIC BACKGROUND

• A university degree from a recognized institution.

WORK EXPERIENCE

• A minimum of five years bank experience with at least three years experience in Branch operations.
• Experience in customer service environments will be an added advantage.
• Experience in Contact Centre will be an added advantage.

SKILLS & COMPETENCIES

• Proven interpersonal and communication skills.
• Knowledge of computer and communication systems.
• Excellent verbal and written communication skills
• Team management
• Superior problem-solving skills
• Ability to explain detailed instructions articulately and clearly
• Attention to detail
• Adaptability & Team work
• Work under pressure
• Multitasking skills.
• Excel and reporting skills

Read More & Apply

Relationship Manager – Nairobi Region at Sidian Bank

JOB PURPOSE

The jobholder is responsible for managing client relationships to achieve the set sales targets and wallet share and ensure sustained business growth and profitability in the assigned customer segment. To sell, cross/upsell and deliver excellent sales and service of the bank’s products and services whilst building long-term profitable customer relationships.

KEY RESPONSIBILTIES 

• Branch strategic input and planning
• Business Growth & Development
• Marketing & Brand Management
• Relationship Management & Customer experience
• Branch Operations
• Personal Leadership & Development
• Risk & Compliance

Branch Strategic input and planning:

• Contributes to the completion of the branch operational plan by preparing and implementing an individual business plan that encompasses strategies for performance on branch growth objectives.
• Formulate and implement personal initiatives for assigned and new business portfolio aimed at increasing new business and share of wallet from existing clients.
• Prepares a personal action plan that contributes to the overall branch budget.

Business Growth & Development:

• Full responsibility for all product lines and all sales and business development for new and assigned business portfolio.
• Achieve business growth of the Business portfolio (Both Assets and Liabilities) ensuring income, quality and portfolio growth targets are achieved.
• Growth in client recruitment, increased transactional income, cross selling of products ,Customer relationship management as per set bank targets.
• Develop new business opportunities and monitor business’s activities in line with the Bank’s long-term strategic and annual business plans and ensure that the Bank remains competitive and promptly reacts to changing market conditions and customer needs.
• Develop a new customer base by expanding markets and cross selling the bank products.
• Develop a focused relationship management system, which increases the branch ability to increase the flow of business and generate deposits, lending and revenues from existing and new customers in line with the enterprise strategy.
• Enhance the appropriate controls and monitoring mechanisms for the development of a high-quality lending.
• 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. 
• Enhancing relationship marketing and management – to establish, maintain, and enhance relationships 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 and updating the call reports.
• Ensuring compliance to the Environmental Social Management (ESM) policy and procedure in day to day branch business.
• Leverage position as a trusted advisor to the customers to proactively manage PAR.
• Utilize the banks MIS system for continuous tracking of own performance, monitoring of customer satisfaction and provision of management / statutory reports as applicable

Marketing & Brand Management

• Enhance creation by creating, communicating, delivering, and offering solutions that have value for customers, shareholders and partners.
• Build the Sidian Bank Brand to ensure that the bank is top of mind as an enterprise bank.
• Understand and provide clear direction to the branch based on market analysis of local area consumer trends and competitor offerings. 
• Establish relationships with key clients or business influencers in the local area, including client entertainment within budget limits set by the business. 
• Support product specialists and the sales team in marketing of initiatives and other products to local businesses. 

Relationship Management & Customer Experience

• Key driver for not only customer satisfaction, but building a base of promoters by enhancing positive customer experience and advocacy to drive competitive advantage, leading to faster organic growth and lower cost.
• Achieve the set customer satisfaction score (CSAT), Customer Effort Score (CES), Customer Engagement Score and Net Promoter score (NPS).
• Co-ordinate branch initiatives aimed at gathering feedback from customers on service standards and advise Branch Manager on improvements.
• Engagement with customers and supporting them in times of personal need aimed at developing a strong bond and loyalty.
• Minimize customer attrition by offering the required solutions to the customer and proactively responding to queries and complaints.
• Achieve the required minimum client visits and customer engagement forums per year.
• Identify financial and non-financial requirements of HNW clients by conducting financial needs analysis

Branch Operations:

• Support branch operations as assigned by the Branch Manager to manage leave and other emergency situations.
• Support the Branch Manager if called upon to be a Branch custodian and therefore adhere to the Branch opening procedure, branch cash procedure and other policies and procedures in the branch.

Personal Leadership & Development:

• Set performance objectives and measures of success for in liaison with the Branch Manager and providing regular feedback from staff appraisal processes.
• Responsible for identifying personal career path in the bank. 
• Keeping abreast with staff communications, attending staff meetings – morning huddles and weekly progress meetings.
• Preparing an annual Personal Development Plan (PDP) and ensuring its actualization.
• Adherence to the banks policies and procedures, dress code, code of conduct, HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment.
• Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings.
• Adhere to the set number of learning/training hours are achieved for self and direct reports, through E-learning and Internal training activities.

Risk & Compliance:

• Ensure that all customers onboarded to the bank meet the minimum criteria and are screened adequately considering the Banks AML/CFT/CPF guidelines and escalation of any suspicious accounts.
• Continuously monitor customer transactions in the context of the profile of the customer and properly document the background and purpose of all complex, unusual, large transactions, and all unusual patterns of transactions, which have no apparent economic or visible lawful purpose. 
• Ensure that customer accounts are suitable for purpose e.g. avoid opening children’s accounts for normal day to day transactions as opposed to opening a current account.
• Prior to Customer on boarding, ensure that a potential client has been screened, account opening form is duly completed and all required documentation as per the account opening policy obtained.
• Ensure that verification is done as to the identity of the customer, documentation used to open account, and conducted transactions during the customer journey.
• Ensure that all transaction forms are filled to completion and properly reviewed. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion.
• Responsible for immediately alerting the MLRO on suspicious transactions or activities noted in customers’ accounts. Any inconsistent activities or transactions, any suspicious accounts, any attempted accounts or transactions, must be investigated and reported to the compliance function immediately, placing a clear basis of suspicion.
• Identify any high-risk accounts such as Politically Exposed Persons (PEP) at point of account opening and at execution of transaction continuously, given the dynamic nature of such high-risk accounts. Forward the details of such high-risk customer(s) and any PEP/PEP Related persons noted   to senior management for approval.  Ensure that such accounts have all the requisite documents such as updated annual EDDs, are marked as high risk in the system and the reason for high risk rating properly indicated. 
• Identify customers in portfolio that require an update of profiles in a timely manner and ensure that the changes are maintained in the system and are up-to-date. 
• Ensure that UBO information is obtained and captured in AODs and core banking at point of account onboarding and throughout the customer journey.
• Ensure accurate and complete data has been captured in the system and that customers are properly risk rated or categorized as per bank policy on customer categorization as high, medium or low, and ensure that timely KYC update is done for the various risk categories of clients as per regulatory requirements
• Ensure that the transactions contain the full details and the relevant supporting documentation and authorizations are in place where required. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion.

DECISION MAKING AUTHORITY

• Customer onboarding as per policy.
• Portfolio management as per policy.
• Credit appraisal and debt monitoring for accounts in PAR or NPL as per policy.
• KYC compliance as per policy.

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.

WORK EXPERIENCE

• At least 7 years’ experience in retail banking and/or commercial banking including a minimum of 4 years sales experience.

SKILLS & COMPETENCIES

• Sound knowledge of Retail Banking/SME products, services and processes together with exposure in retail banking branch operations or customer service delivery.
• Profound understanding of retail market, key competitors and offerings as well as our competitive edges to win quality customers.
• Thorough understanding of CBK regulatory framework and pertinent regulations impacting corporate customers.
• Strong leadership, marketing, sales and management skills.
• Highly effective communicator with excellent interpersonal and motivational skills.
• Solid performance management and motivational skills.
• Excellent relationship building and stakeholder management skills.
• Strong managerial, planning, analytical, decision-making, lateral thinking and project management skills.

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (added advantage)

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Administrative Security Officer at Sidian Bank

The job holder will report to the Manager Security & Investigations and will be responsible for providing administrative and secretarial support to ensure the effective and efficient coordination of activities in the Security & Investigations office   

KEY RESPONSIBILTIES 

• Security Support
• Administrative Functions
• Customer Service
• Risk & Compliance

MAIN ACTIVITIES

Security Support

• Preparation of Security reports and communication in liaison with the Manager Security & Investigations
• Prioritize urgent security needs; handle matters expeditiously, proactively and follow through to successful completion.
• Prioritize and follow up on incoming security issues and concerns addressed to the Security Office and determine appropriate action, referral or response.
• Provide background information, meeting summaries and/or supporting documents in preparation for scheduled appointments by coordinating with the relevant parties.
• Maintain and track priority list of security matters and engagements.

Administrative Functions

• Follow up with security matters to ensure deadlines are met.
• Maintain an efficient flow of information between security department, internal & external customers 
• Develop and maintain an up to date filing system for all correspondence (hard and soft copy) relating to security Department
• Receive court orders, process, supply documents and Maintain a tracker 
• Manage security request from vendors, internal and external customers.

Customer Service

• Receive and manage all Security clients and handle all their needs professionally 
• Receive and screen security calls, determining attention required, take messages and respond to callers based on knowledge of security office functions and ensure callers receive appropriate transfer to another department if necessary .
• Process all incoming correspondence received in the office, prioritize and determine its disposition. 
• Act on emails sent to the department and escalate where necessary 
• Handle confidential and sensitive information with poise, tact and diplomacy.

Risk & Compliance

• Attend training and maintain knowledge of and comply with all bank policies and procedures including Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules and regulations.
• Participate or undertake Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing bank programs on a regular basis e.g. taking attestations, self-assessment tests, filling in compliance questionnaires as required
• Comply and not to knowingly participate or assist in any violation of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules, regulations or internal policies, procedure and guidelines.
• Report suspected money laundering cases to their respective heads of units or to the Money Laundering Reporting Officer as soon as such incidents occur immediately with a clear basis of suspicion   
• Avoid Misrepresentation and Malicious Reporting – knowingly making a false, fictitious or fraudulent representation e.g. statement, report, document.
• Avoid Tipping Off customers being investigated so as not to knowingly prejudice an investigation by disclosing information.
• Not provide advice or other assistance to individuals who attempt to violate or avoid Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules, regulations or corporate policies.
• Respond to all AML/CFT/CPF queries when requested by Compliance Unit to allow the bank to comply with the requirements of The Anti-Money Laundering and Combating Financing of Terrorism Amendment Act
• Co – operate fully with regulators and law enforcement agents and make available required documents and information

DECISION MAKING AUTHORITY

• Delegated responsibilities from the Manager Security & Investigations 

ACADEMIC BACKGROUND

• Degree in Criminology and Security studies or,
• Higher Diploma/Diploma in Criminology and Security Studies 

WORK EXPERIENCE

• At least three (1) years’ experience in administrative position or its equivalent,

SKILLS & COMPETENCIES

• Leadership skills;  
• Excellent communication skills and Proficiency in grammar. 
• Excellent computer skills especially; Ms Word, Ms Excel and Ms PowerPoint.
• Integrity;  
• Analytical skills 
• Keen to details 
• Excellent interpersonal sensitivity; and
• Planning and organizing skills.

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Internal Audit Officer at Sidian Bank

JOB PURPOSE

Responsible for performing objective, independent, and reliable assessments of the effectiveness of the bank’s risk management activities, its compliance with applicable regulations, and its internal control-environment.  Execution of audit duties in the planning, scheduling, coordinating, reviewing and reporting in line with professional auditing standards and bank audit requirements.

KEY RESPONSIBILTIES 

• Audit Planning 
• Audit Execution / Performance
• Audit Reporting, Monitoring & Follow-up 
• Risk & Compliance

MAIN ACTIVITIES

Audit Planning

• Plan and conduct risk based & compliance audits in line with the work plan. Prepare audit plans for individual assignments as per the work plan allocations. 
• Review and develop audit programs and testing procedures relevant to risk, compliance and audit objectives for audits allocated.
• Monitor and evaluate key processes as identified in the risk assessment during assignment planning.
• Identify internal controls issues for key risk processes during planning to adequately test controls and processes. 

Audit Execution / Performance

• Perform audit procedures to verify the implementation and effectiveness of controls through testing and interacting with the relevant staff.
• Ensure successful completion of assigned/planned audit engagements, from start to finish, inclusive of preplanning, fieldwork and wrap up activities.
• Discuss audit findings and recommendations with the directors and departmental heads; identify and communicate control issues noted, offering practical solutions relevant to business and related risks.
• Use audit project management tools to record and track an audit project progress.
• Prepare of audit files for assignments allocated and ensure proper sign-off & filing of working papers.
• Carry out spot checks on keys areas such as cash count etc.

Audit Reporting, Monitoring & Follow-up 

• Prepare and submit timely, quality audit reports; engage in meetings with management and departmental heads and advise on improvements.
• Constantly monitor if the audit recommendations have been implemented by the management by way of tracking and follow- up audits and report on any gaps observed.
• Develop and maintain productive client and staff relationships.
• Assess, evaluate and advise management on how to achieve statutory/ legal compliance;
• Conduct ad-hoc/ special investigations and reviews as requested by management/ BARC
• Update the Internal Audit Manager on regular basis; on execution and progress on assigned tasks and any arising significant internal control issues
• Undertake any other tasks as assigned by Internal Audit Manager from time to time

Risk & Compliance

• Attend training and maintain knowledge of and comply with all bank policies and procedures including Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules and regulations.
• Participate or undertake Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing bank programs on a regular basis e.g. taking attestations, self-assessment tests, filling in compliance questionnaires as required
• Comply and not to knowingly participate or assist in any violation of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules, regulations or internal policies, procedure and guidelines.
• Report suspected money laundering cases to their respective heads of units or to the Money Laundering Reporting Officer as soon as such incidents occur immediately with a clear basis of suspicion   
• Avoid Misrepresentation and Malicious Reporting – knowingly making a false, fictitious or fraudulent representation e.g. statement, report, document.
• Avoid Tipping Off customers being investigated so as not to knowingly prejudice an investigation by disclosing information.
• Not provide advice or other assistance to individuals who attempt to violate or avoid Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules, regulations or corporate policies.
• Respond to all AML/CFT/CPF queries when requested by Compliance Unit to allow the bank to comply with the requirements of The Anti-Money Laundering and Combating Financing of Terrorism Amendment Act
• Co – operate fully with regulators and law enforcement agents and make available required documents and information

DECISION MAKING AUTHORITY

This position reports to the Internal Audit Manager 

Decisions for this job are restricted audits allocated to the position as per the work plan. 

• Risk classification of an audit observation. i.e. whether High, Medium or Low
• Determine if an audit observation has been satisfactorily closed based on action taken, observation and management comments 

The Internal Auditor makes recommendations to the Manager on actions to be taken. Actions will only be taken upon approval of the recommendations.  

In making the recommendations, the Internal Auditor will be guided by;   

• Bank’s approved policies and standard operating procedures 
• Relevant and applicable Acts such as the Banking Act of Kenya, POCAMLA, etc. 
• Regulation – Prudential guidelines, Risk Management Guidelines 
• Professional standards from ICPAK, IIA 

ACADEMIC BACKGROUND

• Must have an undergraduate or graduate degree in finance or a business management related field. An accounting/finance degree is preferred.

WORK EXPERIENCE

• Must have a minimum of 3 years of experience in auditing or a minimum of 5 years operations experience in a bank

SKILLS & COMPETENCIES

• Strong interpersonal skills 
• Analytical skills
• Team player 
• Report writing and general communication skills
• Ability to frequently travel for long periods and on short notice

PROFESSIONAL CERTIFICATION

• CPA and/or CIA and/or CISA.

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Security Operations Centre Analyst (SOC Analyst) at Sidian Bank

JOB PURPOSE

The SOC Analyst will monitor, detect, and respond to cybersecurity threats across Sidian Bank’s infrastructure. Operating under ISO 27001, NIST, and CIS frameworks, they will analyze alerts, escalate incidents, and deliver timely reports—regardless of pressure.

This role demands flexibility to work long shifts, including nights, weekends, and public holidays, ensuring 24/7 coverage and rapid incident containment. Responsibilities include threat hunting, refining detection rules, and coordinating with internal and external teams to strengthen SOC operations.

KEY ACCOUNTABILITIES (DUTIES AND RESPONSIBILITIES)

• Security Monitoring & Incident Response (40%): Continuously monitor Sidian Bank’s infrastructure using SIEM and other tools to detect, analyze, and respond to security incidents in real time. Ensure timely escalation and containment of threats.
• Threat Intelligence & Rule Tuning (20%): Refine detection rules, validate log sources, and integrate threat intelligence feeds to improve alert accuracy and reduce false positives.
• Shift Operations & Coverage (20%): Maintain 24/7 SOC coverage by working long shifts, including nights and weekends. Ensure seamless handovers and accurate documentation of incidents and actions taken.
• Reporting & Collaboration (20%): Generate incident reports and dashboards for internal stakeholders. Collaborate with IT, Risk, and external partners to support investigations and enhance SOC maturity.

Main Activities

• Monitor and analyze security events across Sidian Bank systems to detect potential threats and anomalies in real time.
• Perform initial triage, threat validation, and escalation of incidents based on severity and impact.
• Conduct threat hunting activities to proactively identify indicators of compromise and emerging attack patterns.
• Coordinate incident response efforts, including containment, eradication, and recovery, in collaboration with IT and Risk teams.
• Maintain and tune SIEM detection rules, log sources, and alert thresholds to improve accuracy and reduce false positives.
• Generate timely and actionable incident reports for internal stakeholders, even under tight timelines.
• Work extended shifts, including nights and weekends, to ensure 24/7 SOC coverage and rapid response capability.
• Collaborate with system custodians to ensure remediation of identified risks and vulnerabilities within agreed timelines.
• Research emerging threats, attacker techniques, and defensive technologies to inform SOC strategy and tooling.
• Continuously review and improve SOC processes and playbooks to support agile threat response and operational efficiency.

Technical Competencies

•  
• Proficient in configuring and managing SIEM platforms for real-time event correlation, alerting, and incident triage across enterprise infrastructure.
• Skilled in firewall and web application protection technologies, including rule validation, traffic analysis, and threat mitigation.
• Experienced in endpoint protection and antimalware systems, supporting threat detection, containment, and response workflows.
• Working knowledge of cloud environments with emphasis on log ingestion, access monitoring, and cloud-native threat detection.
• Familiar with Agile-aligned SOC operations and DevSecOps toolchains used for incident tracking, automation, and continuous improvement.
• Strong analytical and reporting capabilities, enabling clear escalation paths and actionable insights for governance and risk teams.
• Understanding of financial services systems and regulatory expectations, ensuring SOC activities align with compliance and audit requirements.
• Experience in leading SOC shifts or mentoring junior analysts, promoting accountability, knowledge sharing, and operational resilience.

Risk & Compliance:

• Attend training and maintain knowledge of and comply with all bank policies and procedures, including Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules, and regulations.
• Participate or undertake Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing bank programs regularly, e.g., taking attestations, self-assessment tests, filling in compliance questionnaires as required.
• Comply and not to knowingly participate or assist in any violation of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules, regulations or internal policies, procedure and guidelines.
• Report suspected money laundering cases to their respective heads of units or to the Money Laundering Reporting Officer as soon as such incidents occur immediately with a clear basis of suspicion.  
• Avoid Misrepresentation and Malicious Reporting – knowingly making a false, fictitious or fraudulent representation e.g. statement, report, document.
• Avoid Tipping Off customers being investigated so as not to knowingly prejudice an investigation by disclosing information.
• Not provide advice or other assistance to individuals who attempt to violate or avoid Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules, regulations or corporate policies.
• Respond to all AML/CFT/CPF queries when requested by Compliance Unit to allow the bank to comply with the requirements of The Anti-Money Laundering and Combating Financing of Terrorism Amendment Act.
• Co – operate fully with regulators and law enforcement agents and make available required documents and information.

DECISION MAKING AUTHORITY

• Operational – Solution Design dependent on CRs/BRDs assigned
• Strategic – Solution structuring to ensure ease of implementing future enhancements

ACADEMIC BACKGROUND

• A Bachelor’s degree in Computer Science, Information Technology, or related field.

WORK EXPERIENCE

• Minimum of 3 years’ working experience in Information Systems Security, including areas such as ethical hacking, vulnerability assessments, ICT audits, and system implementation reviews.
• Minimum of 2 years’ working experience in networking and operating systems, with exposure to both proprietary and open-source platforms. 
• Prior involvement in technical security assessments or audit support functions that enhance incident response and threat validation capabilities. 
• Cross-functional understanding of infrastructure and system-level configurations, contributing to more effective log analysis and root cause investigations.

SKILLS & COMPETENCIES

• Ability to use specialized tools and software to analyze, detect, investigate, and report on vulnerabilities and threats across enterprise environments.
• Knowledge and experience with key IT security products and controls, including event monitoring, data activity monitoring, endpoint protection, firewall management, and patch lifecycle oversight.
• Prior exposure to IT security operations within financial institutions, with an understanding of sector-specific risks and regulatory expectations.
• Keen attention to detail with a time-conscious approach, ensuring accuracy and responsiveness in high-stakes environments.
• Proven ability to perform under pressure in competitive and dynamic operational settings, maintaining composure and effectiveness during incident response and escalation.

PROFESSIONAL CERTIFICATION – ADDED ADVANTAGE

• ITIL Foundation
• Possess at least one security certification such as CEH (Certified Ethical Hacker); SSCP (Systems Security Certified Practitioner); OCSP (Offensive Security Certified Professional); CompTIA Security+

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Branch Manager – Machakos at Sidian Bank

JOB PURPOSE

The jobholder will Coordinate with the Head – Branches in implementing and carrying out bank policy and procedures with respect to overall operations of branch. The role is responsible for business development within the branch market to meet or exceed business development goals; development, coaching and discipline of staff to assure appropriate proper branch sales and customer service given the Bank’s branch staffing model; and adherence to policies and procedures. 

KEY RESPONSIBILTIES 

• Branch strategic input and planning
• Business Growth & Development
• Marketing & Brand Management
• Relationship Management & Customer experience
• Branch Operations
• Leadership & People Management
• Risk & Compliance

MAIN RESPONSIBILTIES 

Branch Strategic input and planning:

• Contributes to the completion of the Sidian Bank Retail Operational plan by preparing and implementing a branch business plan that encompasses strategies for performance on branch growth objectives.
• Understand and provide clear direction to the branch based on market analysis of local area consumer trends and competitor offerings.
• Prepares the branch budget for approval and contributes to the overall control of expenditure by monitoring costs and reporting on performance against budget variations.
• Formulate and implement business strategic initiatives for the branch aimed at increasing new business and share of wallet from existing clients.
• Ensure Growth in NII (Net Interest Income) for branch by increasing fees and commissions, ensuring OPEX optimization to reduce operational costs and managing cost of cash holding at the branch level.

Business Growth &  Development:

• Full responsibility for all product lines and all sales and business development for entire branch business.
• Responsible for the growth of the Branch’s Business portfolio (Both Assets and Liabilities) ensuring income, quality and portfolio growth targets are achieved.
• Responsible for the Growth in client recruitment, increased transactional income, cross selling of products ,Customer relationship management as per set bank targets.
• Develop business opportunities and monitor business’s activities in line with the Bank’s long-term strategic and annual business plans and ensure that the Bank remains competitive and promptly reacts to changing market conditions and customer needs.
• Develop and implement a branch turnaround strategy to ensure that at least the branch is profitable.
• Develop a focused relationship management system, which increases the branch ability to increase the flow of business and generate deposits, lending and revenues from existing and new customers in line with the enterprise strategy.
• Enhance the appropriate controls and monitoring mechanisms for the development of a high-quality lending.
• 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. 
• Enhance relationship marketing and management – to establish, maintain, and enhance relationships 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.
• Ensuring compliance to the Environmental Social Management (ESM) policy and procedure in day to day branch business.

Marketing & Brand Management:

• Embed strategic marketing by focusing on how to develop competitive advantage into the changing marketplace and leveraging on the banks distinctive capabilities to drive value.
• In conjunction with Head of Branch Business and Products Managers, conduct product review and product development through constant feedback from the market
• Enhance creation by creating, communicating, delivering, and offering solutions that have value for customers, shareholders and partners.
• Build the Sidian Bank Brand to ensure that the bank is top of mind as an enterprise bank.
• Understand and provide clear direction to the branch based on market analysis of local area consumer trends and competitor offerings. 
• Ensure that merchandising materials are displayed in accordance with guidelines. 
• Brief staff on promotional and product launches; provide regular feedback on sales performance. 
• Establish relationships with key clients or business influencers in the local area, including client entertainment within budget limits set by the business. 
• Support product specialists and the sales team in marketing of initiatives and other products to local businesses. 

Relationship Management & Customer Experience:

• Key driver for not only customer satisfaction, but building a base of promoters by enhancing positive customer experience and advocacy to drive competitive advantage, leading to faster organic growth and lower cost.
• Create a differentiated customer experience design, tailored to target customer needs and optimize customer interactions with the brand, offerings, and touch points to consistently deliver and make continuous improvements to the design.
• Link sales and service and embed customer service culture as the bedrock to grow the balance sheet.
• Manage key branch relationships.
• Ensure wait time within permissible limits as per segmental service approach and Sidian brand standards.
• Achieve the set customer satisfaction score (CSAT), Customer Effort Score (CES), Customer Engagement Score and Net Promoter score (NPS).
• Ensuring no escalations at branch and complaint handling.
• Co-ordinate branch initiatives aimed at gathering feedback from customers on service standards and advise business heads on improvements.
• Engagement with customers and supporting them in times of personal need aimed at developing a strong bond and loyalty.

Branch Operations:

• Ensure the branch is opened and closed on time as per CBK requirement and any escalation where the same is not met.
• Ensures operations meet legislative and Sidian Bank policy requirements, including health and safety requirements, by monitoring systems, procedures and workflows, and implementing corrective action.
• Responsible for all security procedures within the branch including opening procedures, camera surveillance and maintenance, video monitoring, robbery and fire drill procedures.
• Ensures adequate cash levels to support operations.
• Ensures branch staff are adequately trained in KYC and AML and are adhering to the prudential guidelines.
• Adhere to standardized branch guidelines.
• Ensure availability of necessary infrastructure in branch.
• Closely monitor branch business performance and ensure accurate records of the same are maintained and forwarded to the Head of Branch Business and respective Business Heads.
• Ensure all branch staff follow the laid down branch opening procedure and other branch operations policies and procedures.
• Ensure adequate staffing at start of day and report any absence as it may have an impact on service delivery.

Leadership & Management:

• With the support of the HR Business Partner, the Branch Manager has the ultimate responsibility for the Human Resource Management of the branch staff and consults with HR on clarity and interpretation of the HR policy.
• Set performance objectives and measures of success for direct reports, providing regular feedback from staff appraisal processes.
• Contributes to the ability of staff to meet performance objectives by providing day to day supervision, training and support and leading performance processes in accordance with Sidian policies and procedures.
• Responsible for identifying and developing career path opportunities for staff. 
• Contributes to the development of staff by assisting with the interpretation and implementation of operational policies and procedures.
• Responsible for assigning tasks to staff, scheduling and monitoring work and reviewing results for timeliness, accuracy and quality.
• Contributes to the flow of staff communications, by conducting regular staff meetings – morning huddles and weekly progress meetings.
• Encourages staff to participate in internal and external training and development opportunities as these arise and in accordance with individualized development plans.
• Responsible for the presentation and service standards of retail staff to ensure a professional image is maintained with all clients.
• Ensures adherence to dress code, code of conduct and HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment.
• Responsible for mentoring and coaching the retail team to enhance staff motivation, engagement and improve performance.
• Responsible  for the overall Risk and Compliance activities in the branch set up and therefore must ensure compliance in all areas by Branch Staff and  will be held accountable for lapses in the branch 
• Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings.
• Manage performance /disciplinary issues/grievances for staff. 
• Ensure there is proper succession planning by maintaining an effective leave program and an in-house training schedule for ease of relief due to leave or sickness.
• Ensure the set number of learning/training hours are achieved for self and direct reports, through E-learning and Internal training activities.

Risk & Compliance

• To ensure implementation and compliance with operational policies and procedures at the branch and maintain a culture within the branch that emphasizes and demonstrates the importance of internal control to all staff.
• Ensure compliance with agreed limits of authority and levels of access to systems and information.
• Ensure that all customers onboarded to the bank meet the minimum criteria and are screened adequately considering the Banks AML/CFT/CPF guidelines and escalation of any suspicious accounts.
• Continuously monitor customer transactions in the context of the profile of the customer and properly document the background and purpose of all complex, unusual, large transactions, and all unusual patterns of transactions, which have no apparent economic or visible lawful purpose. Any such inconsistent activities or transactions must be investigated and reported to the compliance function immediately with a clear basis of suspicion. 
• Responsible for immediately alerting the MLRO on suspicious transactions or activities noted in customers’ accounts escalated by the branch staff. Any inconsistent activities or transactions, any suspicious accounts, any attempted accounts or transactions, must be investigated and reported to the compliance function immediately, placing a clear basis of suspicion.
• Ensure that customer accounts are suitable for purpose e.g. avoid opening children’s accounts for normal day to day transactions as opposed to opening a current account.
• Prior to Customer on boarding, ensure that a potential client has been screened, account opening form is duly completed and all required documentation as per the account opening policy obtained.
• Ensure that verification is done as to the identity of the customer, documentation used to open account, and conducted transactions during the customer journey.
• Ensure that all staff within the branch are trained and have an Up to Date understanding of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing environment.
• Identify major risks affecting the branch and ensure necessary steps are taken to measure, monitor, and control structure with control activities defined at each level and duties properly segregated.
• Recommend revision of controls, where appropriate, to address new or previously uncontrolled risks
• Identify any high – risk accounts such as Politically Exposed Persons (PEP) at point of account opening and at execution of transaction continuously, given the dynamic nature of such high- risk accounts. Forward the details of such high-risk customer(s) and any PEP/PEP Related persons noted   to senior management for approval.  Ensure that such accounts have all the requisite documents such as updated annual EDDs, are marked as high risk in the system and the reason for high risk rating properly indicated. 
• Ensure that the transactions contain the full details and the relevant supporting documentation and authorizations are in place where required. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion
• Ensure that all staff within the branch are trained and have an Up To Date understanding of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing environment.
• Ensure that UBO information is obtained and captured in AODs and core banking at point of account onboarding and throughout the customer journey.
• Examine and ensure that relevant bank documents, records, procedures and systems are followed and comply with the established policies, procedures, and authority limits, including AML/CFT/CPF.
• Track previously identified deficiencies and ensure management corrects them within established timelines
• Assess the adequacy of recordkeeping and record-retention processes
• Assure compliance by the bank to statutory and regulatory obligations in respect of money laundering/terrorism financing/proliferation financing policies, procedures and controls.

DECISION MAKING AUTHORITY

• Empowered to make managerial decisions.
• Approval on lending discretion as per lending policy.
• Approval of new accounts opened in the branch.
• Approval on costs within set budgets e.g. taxi expenses, facilities maintenance, petty cash spend etc.
• Discretion on resource allocation within the branches under approved headcount for optimum productivity.
• Approval of staff leave.

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.
• Master degree will be an added advantage.

WORK EXPERIENCE

• Minimum 8 years’ working experience in a Banking environment, with sound exposure to Branch Operations, Credit Management and Business development, 4 years  should be at a management role.

SKILLS & COMPETENCIES

• Sound knowledge of Retail Banking/SME products, services and processes together with exposure in retail banking branch operations or customer service delivery.
• Profound understanding of retail market, key competitors and offerings as well as our competitive edges to win quality customers.
• Thorough understanding of CBK regulatory framework and pertinent regulations impacting corporate customers.
• Strong leadership, marketing, sales and management skills.
• Highly effective communicator with excellent interpersonal and motivational skills.
• Solid performance management and motivational skills.
• Excellent relationship building and stakeholder management skills.
• Strong managerial, planning, analytical, decision-making, lateral thinking and project management skills.

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (added advantage)

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Relationship Manager – Nairobi Region at Sidian Bank Kenya

JOB PURPOSE

The jobholder is responsible for managing client relationships to achieve the set sales targets and wallet share and ensure sustained business growth and profitability in the assigned customer segment. To sell, cross/upsell and deliver excellent sales and service of the bank’s products and services whilst building long-term profitable customer relationships.

KEY RESPONSIBILTIES 

• Branch strategic input and planning
• Business Growth & Development
• Marketing & Brand Management
• Relationship Management & Customer experience
• Branch Operations
• Personal Leadership & Development
• Risk & Compliance

Branch Strategic input and planning:

• Contributes to the completion of the branch operational plan by preparing and implementing an individual business plan that encompasses strategies for performance on branch growth objectives.
• Formulate and implement personal initiatives for assigned and new business portfolio aimed at increasing new business and share of wallet from existing clients.
• Prepares a personal action plan that contributes to the overall branch budget.

Business Growth & Development:

• Full responsibility for all product lines and all sales and business development for new and assigned business portfolio.
• Achieve business growth of the Business portfolio (Both Assets and Liabilities) ensuring income, quality and portfolio growth targets are achieved.
• Growth in client recruitment, increased transactional income, cross selling of products ,Customer relationship management as per set bank targets.
• Develop new business opportunities and monitor business’s activities in line with the Bank’s long-term strategic and annual business plans and ensure that the Bank remains competitive and promptly reacts to changing market conditions and customer needs.
• Develop a new customer base by expanding markets and cross selling the bank products.
• Develop a focused relationship management system, which increases the branch ability to increase the flow of business and generate deposits, lending and revenues from existing and new customers in line with the enterprise strategy.
• Enhance the appropriate controls and monitoring mechanisms for the development of a high-quality lending.
• 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. 
• Enhancing relationship marketing and management – to establish, maintain, and enhance relationships 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 and updating the call reports.
• Ensuring compliance to the Environmental Social Management (ESM) policy and procedure in day to day branch business.
• Leverage position as a trusted advisor to the customers to proactively manage PAR.
• Utilize the banks MIS system for continuous tracking of own performance, monitoring of customer satisfaction and provision of management / statutory reports as applicable

Marketing & Brand Management

• Enhance creation by creating, communicating, delivering, and offering solutions that have value for customers, shareholders and partners.
• Build the Sidian Bank Brand to ensure that the bank is top of mind as an enterprise bank.
• Understand and provide clear direction to the branch based on market analysis of local area consumer trends and competitor offerings. 
• Establish relationships with key clients or business influencers in the local area, including client entertainment within budget limits set by the business. 
• Support product specialists and the sales team in marketing of initiatives and other products to local businesses. 

Relationship Management & Customer Experience

• Key driver for not only customer satisfaction, but building a base of promoters by enhancing positive customer experience and advocacy to drive competitive advantage, leading to faster organic growth and lower cost.
• Achieve the set customer satisfaction score (CSAT), Customer Effort Score (CES), Customer Engagement Score and Net Promoter score (NPS).
• Co-ordinate branch initiatives aimed at gathering feedback from customers on service standards and advise Branch Manager on improvements.
• Engagement with customers and supporting them in times of personal need aimed at developing a strong bond and loyalty.
• Minimize customer attrition by offering the required solutions to the customer and proactively responding to queries and complaints.
• Achieve the required minimum client visits and customer engagement forums per year.
• Identify financial and non-financial requirements of HNW clients by conducting financial needs analysis

Branch Operations:

• Support branch operations as assigned by the Branch Manager to manage leave and other emergency situations.
• Support the Branch Manager if called upon to be a Branch custodian and therefore adhere to the Branch opening procedure, branch cash procedure and other policies and procedures in the branch.

Personal Leadership & Development:

• Set performance objectives and measures of success for in liaison with the Branch Manager and providing regular feedback from staff appraisal processes.
• Responsible for identifying personal career path in the bank. 
• Keeping abreast with staff communications, attending staff meetings – morning huddles and weekly progress meetings.
• Preparing an annual Personal Development Plan (PDP) and ensuring its actualization.
• Adherence to the banks policies and procedures, dress code, code of conduct, HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment.
• Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings.
• Adhere to the set number of learning/training hours are achieved for self and direct reports, through E-learning and Internal training activities.

Risk & Compliance:

• Ensure that all customers onboarded to the bank meet the minimum criteria and are screened adequately considering the Banks AML/CFT/CPF guidelines and escalation of any suspicious accounts.
• Continuously monitor customer transactions in the context of the profile of the customer and properly document the background and purpose of all complex, unusual, large transactions, and all unusual patterns of transactions, which have no apparent economic or visible lawful purpose. 
• Ensure that customer accounts are suitable for purpose e.g. avoid opening children’s accounts for normal day to day transactions as opposed to opening a current account.
• Prior to Customer on boarding, ensure that a potential client has been screened, account opening form is duly completed and all required documentation as per the account opening policy obtained.
• Ensure that verification is done as to the identity of the customer, documentation used to open account, and conducted transactions during the customer journey.
• Ensure that all transaction forms are filled to completion and properly reviewed. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion.
• Responsible for immediately alerting the MLRO on suspicious transactions or activities noted in customers’ accounts. Any inconsistent activities or transactions, any suspicious accounts, any attempted accounts or transactions, must be investigated and reported to the compliance function immediately, placing a clear basis of suspicion.
• Identify any high-risk accounts such as Politically Exposed Persons (PEP) at point of account opening and at execution of transaction continuously, given the dynamic nature of such high-risk accounts. Forward the details of such high-risk customer(s) and any PEP/PEP Related persons noted   to senior management for approval.  Ensure that such accounts have all the requisite documents such as updated annual EDDs, are marked as high risk in the system and the reason for high risk rating properly indicated. 
• Identify customers in portfolio that require an update of profiles in a timely manner and ensure that the changes are maintained in the system and are up-to-date. 
• Ensure that UBO information is obtained and captured in AODs and core banking at point of account onboarding and throughout the customer journey.
• Ensure accurate and complete data has been captured in the system and that customers are properly risk rated or categorized as per bank policy on customer categorization as high, medium or low, and ensure that timely KYC update is done for the various risk categories of clients as per regulatory requirements
• Ensure that the transactions contain the full details and the relevant supporting documentation and authorizations are in place where required. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion.

DECISION MAKING AUTHORITY

• Customer onboarding as per policy.
• Portfolio management as per policy.
• Credit appraisal and debt monitoring for accounts in PAR or NPL as per policy.
• KYC compliance as per policy.

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.

WORK EXPERIENCE

• At least 7 years’ experience in retail banking and/or commercial banking including a minimum of 4 years sales experience.

SKILLS & COMPETENCIES

• Sound knowledge of Retail Banking/SME products, services and processes together with exposure in retail banking branch operations or customer service delivery.
• Profound understanding of retail market, key competitors and offerings as well as our competitive edges to win quality customers.
• Thorough understanding of CBK regulatory framework and pertinent regulations impacting corporate customers.
• Strong leadership, marketing, sales and management skills.
• Highly effective communicator with excellent interpersonal and motivational skills.
• Solid performance management and motivational skills.
• Excellent relationship building and stakeholder management skills.
• Strong managerial, planning, analytical, decision-making, lateral thinking and project management skills.

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (added advantage)

Read More & Apply

Manager – Treasury Middle Office at Sidian Bank

JOB PURPOSE

The middle office provides support for both day to day operations as well as strategic functions within the treasury department. Its main role includes monitoring risks while also improving processes and systems, for better efficiency. The job holder will be responsible for treasury middle office function with a fundamental role of enhancing control in the following ways;

• First-hand trading risk management & validation of dealing process separation
• Independently validating positions taken and margins applied
• Evaluating the effectiveness of trading control systems
• Detection and escalation of trading errors
• Tracking and enforcing stop loss limits
• Detection and escalation of fraudulent activities & unethical trading practices
• Monitoring of unauthorized proprietary trading
• First-hand enforcement of statutory compliance in regards to Currency Positions
• Enforcement of policy controls on dealing room personnel and practice requirements
• Assessing treasury funding gaps and developing funding proposals
• Processing treasury transactions in the treasury management system, analyzing treasury risk and reporting
• Provide wider support to all of the Bank’s treasury front and back office activities to ensure segregation of duties at all times
• The role is responsible for providing an analysis, development and optimisation of balance sheet management strategies with a view to ensure that there is a robust risk and control management framework to cover market risk and treasury operational risks within the risk appetite set by ALCO
• He/she will also be responsible for monitoring, reconciling and reporting on the P&L account

KEY RESPONSIBILTIES 

• Independent Risk controller
• P & L Reconciliation – Foreign Exchange / Financial Institutions / Money Markets 
• Revaluation data & Deal control
• Audit and Financial Control
• Treasury Reporting

MAIN ACTIVITIES

Independent Risk Controller

• Identify all material risk factors related to credit, operational, market and liquidity risk e.g. C/party exposures, procedures, inflation, interest rates, exchange rates, etc. and to be able to quantify the effect thereof on the existing positions daily;
• Ensure that the overall Bank and treasury stays within regulatory limits set by the Regulator and internal limits through daily accurate reporting;
• Provide expert advice during roll out of new treasury products/ treasury technology.;
• Analyzing and modelling treasury risks i.e. interest rate risk, FX risk (transaction and translation), commodity risk etc.;
• Review the current treasury policy and propose any changes that may add value to the policy and the wider treasury function of the Bank;
• Monitor compliance of all  treasury activities relative to policies and market best practices;
• Maintaining the treasury risk register and ensuring it is up to date at all times and effectively communicated and that actions are taken by relevant stakeholders;
• Championing the Bank’s bank account management process i.e. opening, maintenance and closing of bank accounts;
• Monitor and measure the compliance of portfolio risks within the trading book, AFS book or HTM book with an eye on limits and guidelines set internally and by the regulator daily.

P&L Reconciliation

• Daily compute the contribution of each product, dealer and transaction to the P&L of the bank and report to stakeholders through a P&L tracker;
• Verify that reported daily positions are correct and that the treasury position reconciles with the general ledger;
• Reconcile the P/L report daily (Both FX & MM) and escalate off market trades, Canceled & Amended trades or any issues to Financial Risk and Treasury;
• Obtain daily P/L report estimates and P/L report sign offs from Treasury and keep track of the same;
• Management of Month-end FCY PL sweeps by notifying dealers of possible Position impact while ensuring no PL impact;
• Championing  the bank’s treasury deals confirmation (including confirmation matching) and settlement processes.

Revaluation data & Deal Control

• Championing the accounting valuation/revaluation processes of all treasury instruments i.e. mark-to-market valuations of all financial instruments;
• Report the outcomes of each measure of risk (Interest, liquidity or exchange) to immediate supervisor in accordance with set policies and procedures. e.g. NOP (net overnight open position), PVO1, MTM, NII, VAR etc.;
• Daily report on the CBK and Nostrum closing balances to the immediate supervisor to ascertain efficient placement of funds;
• Management of Inter-desk Funding between the ALM desk and Trading desks (Fixed Income/FX);
• Daily verification of End of Day rates as well as End of month Fixed Income and FX revaluation;
• Ensure appropriate deal booking policy/models are used by the TFO especially on rollout of new products and new systems;
• Assist to maintain day-end and month-end data to enable reporting on current and historical compliance or non-compliance with limits and guidelines, with appropriate commentary over daily, weekly, monthly, quarterly or annual periods;
• Off Market Rate Deal reporting across all asset classes (FX, Money Markets, and Securities) by jointly with Market Risk establishing and monitoring thresholds;
• In liaison with Risk, Capture End of Day Market Rates for FX (including swap points for valuation of FX swaps and Forwards) in T-24 system or treasury transaction processing system;
• In Liaison with Risk, Capture End of Day Market Rates for Securities Held and Fair Value Through PL or OCI, in T-24 system or treasury transaction processing system;
• Exception reporting for Deals Cancelled and amended with PL impact for fair valued assets (FX and Securities).

Audit and Financial Control

• Through daily reporting; give prompt attention to risk exposures & breaches of limits and guidelines, including the development of risk mitigation strategies;
• Report daily on limits utilization, counterparty lines utilization, product breaches and trading limits breaches;
• Ensuring that all external debt and interest is properly accounted for and correctly reported on the company’s financial statements and working in conjunction with the finance function as required;
• Ensure Compliance with International Accounting Standards and International Financial Reporting Standards;
• Assist in analysis, investigation and closure of any audit issues highlighted in treasury;
• Conduct independent valuation of all Treasury products e.g. Interest Rate swaps, Forwards, FX Swaps, Bonds, Options, Overnight Index Swaps etc.;
• Championing the treasury function’s audit process for both internal and external audits including liaisons on an audit follow-up points;
• Ensure close liaison with other areas internal and external of Finance to ensure consistent adherence to policies and procedures.

Treasury Reporting

• Championing the treasury function’s reports pack preparation for various stakeholders i.e. board packs, due diligence packs, investors roadshow packs, new relationship report packs etc.;
• Prepare Models that help with product revaluation, Sensitivity analysis, Scenario Analysis, Stress testing to help with budgeting, MIS, ALCO decisioning;
• Produce TMO Pack documenting movements and highlighting P&L and Balance Sheet trends across the bank’s Treasury Products and Industry;
• Act as the contact person for treasury products internal and external reviews;
• Coordinate resolution of issues with cross functional teams, including front office, market risk, and operations;
• Provide support in preparation of business cases for new opportunities and products for the Treasurer to be presented to Asset Liability Committee (ALCO);
• Design/re-engineer exception-based Treasury reporting.

ACADEMIC BACKGROUND

• A first Degree in a relevant discipline i.e. accounting, financial management, economics, numerical or other scientific related disciplines.
• Advanced degree is an added advantage.

WORK EXPERIENCE

• A minimum of 4 years’ experience working in a treasury function either in a financial or corporate institution, preferably in the financial services industry.
• At least three years banking experience with exposure to Treasury function – front, middle or back office functions.

SKILLS & COMPETENCIES

• Practical Knowledge of Treasury products and Treasury risk management systems and operational processes with demonstrable skills application of market risk management methodologies and tools;
• Good communication skills with strong personality and ability to work with minimum supervision;
• Solid grounding in financial systems database methodologies and financial modelling;
• Solid experience in working with Treasury Management Systems;
• Advanced Excel skills and computer literacy (e.g. SQL, Crystal Reports);
• Prompt and accurate reporting for decision making;
• Timely production of exception reports and explanation of dealer estimates vs actuals.

PROFESSIONAL CERTIFICATION

• Qualified accountant (CPA/ACCA or their equivalent); member of ICPAK
• Recognized Professional Qualification in Treasury will be a strong added advantage.
• ACI accreditation or Risk Management certification. CPA/ACCA qualification is desirable.

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Branch Manager – Eastern Region at Sidian Bank

JOB PURPOSE

The jobholder will Coordinate with the Head – Branches in implementing and carrying out bank policy and procedures with respect to overall operations of branch. The role is responsible for business development within the branch market to meet or exceed business development goals; development, coaching and discipline of staff to assure appropriate proper branch sales and customer service given the Bank’s branch staffing model; and adherence to policies and procedures. 

KEY RESPONSIBILTIES 

• Branch strategic input and planning
• Business Growth & Development
• Marketing & Brand Management
• Relationship Management & Customer experience
• Branch Operations
• Leadership & People Management
• Risk & Compliance

MAIN RESPONSIBILTIES 

Branch Strategic input and planning:

• Contributes to the completion of the Sidian Bank Retail Operational plan by preparing and implementing a branch business plan that encompasses strategies for performance on branch growth objectives.
• Understand and provide clear direction to the branch based on market analysis of local area consumer trends and competitor offerings.
• Prepares the branch budget for approval and contributes to the overall control of expenditure by monitoring costs and reporting on performance against budget variations.
• Formulate and implement business strategic initiatives for the branch aimed at increasing new business and share of wallet from existing clients.
• Ensure Growth in NII (Net Interest Income) for branch by increasing fees and commissions, ensuring OPEX optimization to reduce operational costs and managing cost of cash holding at the branch level.

Business Growth &  Development:

• Full responsibility for all product lines and all sales and business development for entire branch business.
• Responsible for the growth of the Branch’s Business portfolio (Both Assets and Liabilities) ensuring income, quality and portfolio growth targets are achieved.
• Responsible for the Growth in client recruitment, increased transactional income, cross selling of products ,Customer relationship management as per set bank targets.
• Develop business opportunities and monitor business’s activities in line with the Bank’s long-term strategic and annual business plans and ensure that the Bank remains competitive and promptly reacts to changing market conditions and customer needs.
• Develop and implement a branch turnaround strategy to ensure that at least the branch is profitable.
• Develop a focused relationship management system, which increases the branch ability to increase the flow of business and generate deposits, lending and revenues from existing and new customers in line with the enterprise strategy.
• Enhance the appropriate controls and monitoring mechanisms for the development of a high-quality lending.
• 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. 
• Enhance relationship marketing and management – to establish, maintain, and enhance relationships 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.
• Ensuring compliance to the Environmental Social Management (ESM) policy and procedure in day to day branch business.

Marketing & Brand Management:

• Embed strategic marketing by focusing on how to develop competitive advantage into the changing marketplace and leveraging on the banks distinctive capabilities to drive value.
• In conjunction with Head of Branch Business and Products Managers, conduct product review and product development through constant feedback from the market
• Enhance creation by creating, communicating, delivering, and offering solutions that have value for customers, shareholders and partners.
• Build the Sidian Bank Brand to ensure that the bank is top of mind as an enterprise bank.
• Understand and provide clear direction to the branch based on market analysis of local area consumer trends and competitor offerings. 
• Ensure that merchandising materials are displayed in accordance with guidelines. 
• Brief staff on promotional and product launches; provide regular feedback on sales performance. 
• Establish relationships with key clients or business influencers in the local area, including client entertainment within budget limits set by the business. 
• Support product specialists and the sales team in marketing of initiatives and other products to local businesses. 

Relationship Management & Customer Experience:

• Key driver for not only customer satisfaction, but building a base of promoters by enhancing positive customer experience and advocacy to drive competitive advantage, leading to faster organic growth and lower cost.
• Create a differentiated customer experience design, tailored to target customer needs and optimize customer interactions with the brand, offerings, and touch points to consistently deliver and make continuous improvements to the design.
• Link sales and service and embed customer service culture as the bedrock to grow the balance sheet.
• Manage key branch relationships.
• Ensure wait time within permissible limits as per segmental service approach and Sidian brand standards.
• Achieve the set customer satisfaction score (CSAT), Customer Effort Score (CES), Customer Engagement Score and Net Promoter score (NPS).
• Ensuring no escalations at branch and complaint handling.
• Co-ordinate branch initiatives aimed at gathering feedback from customers on service standards and advise business heads on improvements.
• Engagement with customers and supporting them in times of personal need aimed at developing a strong bond and loyalty.

Branch Operations:

• Ensure the branch is opened and closed on time as per CBK requirement and any escalation where the same is not met.
• Ensures operations meet legislative and Sidian Bank policy requirements, including health and safety requirements, by monitoring systems, procedures and workflows, and implementing corrective action.
• Responsible for all security procedures within the branch including opening procedures, camera surveillance and maintenance, video monitoring, robbery and fire drill procedures.
• Ensures adequate cash levels to support operations.
• Ensures branch staff are adequately trained in KYC and AML and are adhering to the prudential guidelines.
• Adhere to standardized branch guidelines.
• Ensure availability of necessary infrastructure in branch.
• Closely monitor branch business performance and ensure accurate records of the same are maintained and forwarded to the Head of Branch Business and respective Business Heads.
• Ensure all branch staff follow the laid down branch opening procedure and other branch operations policies and procedures.
• Ensure adequate staffing at start of day and report any absence as it may have an impact on service delivery.

Leadership & Management:

• With the support of the HR Business Partner, the Branch Manager has the ultimate responsibility for the Human Resource Management of the branch staff and consults with HR on clarity and interpretation of the HR policy.
• Set performance objectives and measures of success for direct reports, providing regular feedback from staff appraisal processes.
• Contributes to the ability of staff to meet performance objectives by providing day to day supervision, training and support and leading performance processes in accordance with Sidian policies and procedures.
• Responsible for identifying and developing career path opportunities for staff. 
• Contributes to the development of staff by assisting with the interpretation and implementation of operational policies and procedures.
• Responsible for assigning tasks to staff, scheduling and monitoring work and reviewing results for timeliness, accuracy and quality.
• Contributes to the flow of staff communications, by conducting regular staff meetings – morning huddles and weekly progress meetings.
• Encourages staff to participate in internal and external training and development opportunities as these arise and in accordance with individualized development plans.
• Responsible for the presentation and service standards of retail staff to ensure a professional image is maintained with all clients.
• Ensures adherence to dress code, code of conduct and HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment.
• Responsible for mentoring and coaching the retail team to enhance staff motivation, engagement and improve performance.
• Responsible  for the overall Risk and Compliance activities in the branch set up and therefore must ensure compliance in all areas by Branch Staff and  will be held accountable for lapses in the branch 
• Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings.
• Manage performance /disciplinary issues/grievances for staff. 
• Ensure there is proper succession planning by maintaining an effective leave program and an in-house training schedule for ease of relief due to leave or sickness.
• Ensure the set number of learning/training hours are achieved for self and direct reports, through E-learning and Internal training activities.

Risk & Compliance

• To ensure implementation and compliance with operational policies and procedures at the branch and maintain a culture within the branch that emphasizes and demonstrates the importance of internal control to all staff.
• Ensure compliance with agreed limits of authority and levels of access to systems and information.
• Ensure that all customers onboarded to the bank meet the minimum criteria and are screened adequately considering the Banks AML/CFT/CPF guidelines and escalation of any suspicious accounts.
• Continuously monitor customer transactions in the context of the profile of the customer and properly document the background and purpose of all complex, unusual, large transactions, and all unusual patterns of transactions, which have no apparent economic or visible lawful purpose. Any such inconsistent activities or transactions must be investigated and reported to the compliance function immediately with a clear basis of suspicion. 
• Responsible for immediately alerting the MLRO on suspicious transactions or activities noted in customers’ accounts escalated by the branch staff. Any inconsistent activities or transactions, any suspicious accounts, any attempted accounts or transactions, must be investigated and reported to the compliance function immediately, placing a clear basis of suspicion.
• Ensure that customer accounts are suitable for purpose e.g. avoid opening children’s accounts for normal day to day transactions as opposed to opening a current account.
• Prior to Customer on boarding, ensure that a potential client has been screened, account opening form is duly completed and all required documentation as per the account opening policy obtained.
• Ensure that verification is done as to the identity of the customer, documentation used to open account, and conducted transactions during the customer journey.
• Ensure that all staff within the branch are trained and have an Up to Date understanding of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing environment.
• Identify major risks affecting the branch and ensure necessary steps are taken to measure, monitor, and control structure with control activities defined at each level and duties properly segregated.
• Recommend revision of controls, where appropriate, to address new or previously uncontrolled risks
• Identify any high – risk accounts such as Politically Exposed Persons (PEP) at point of account opening and at execution of transaction continuously, given the dynamic nature of such high- risk accounts. Forward the details of such high-risk customer(s) and any PEP/PEP Related persons noted   to senior management for approval.  Ensure that such accounts have all the requisite documents such as updated annual EDDs, are marked as high risk in the system and the reason for high risk rating properly indicated. 
• Ensure that the transactions contain the full details and the relevant supporting documentation and authorizations are in place where required. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion
• Ensure that all staff within the branch are trained and have an Up To Date understanding of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing environment.
• Ensure that UBO information is obtained and captured in AODs and core banking at point of account onboarding and throughout the customer journey.
• Examine and ensure that relevant bank documents, records, procedures and systems are followed and comply with the established policies, procedures, and authority limits, including AML/CFT/CPF.
• Track previously identified deficiencies and ensure management corrects them within established timelines
• Assess the adequacy of recordkeeping and record-retention processes
• Assure compliance by the bank to statutory and regulatory obligations in respect of money laundering/terrorism financing/proliferation financing policies, procedures and controls.

DECISION MAKING AUTHORITY

• Empowered to make managerial decisions.
• Approval on lending discretion as per lending policy.
• Approval of new accounts opened in the branch.
• Approval on costs within set budgets e.g. taxi expenses, facilities maintenance, petty cash spend etc.
• Discretion on resource allocation within the branches under approved headcount for optimum productivity.
• Approval of staff leave.

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.
• Master degree will be an added advantage.

WORK EXPERIENCE

• Minimum 8 years’ working experience in a Banking environment, with sound exposure to Branch Operations, Credit Management and Business development, 4 years  should be at a management role.

SKILLS & COMPETENCIES

• Sound knowledge of Retail Banking/SME products, services and processes together with exposure in retail banking branch operations or customer service delivery.
• Profound understanding of retail market, key competitors and offerings as well as our competitive edges to win quality customers.
• Thorough understanding of CBK regulatory framework and pertinent regulations impacting corporate customers.
• Strong leadership, marketing, sales and management skills.
• Highly effective communicator with excellent interpersonal and motivational skills.
• Solid performance management and motivational skills.
• Excellent relationship building and stakeholder management skills.
• Strong managerial, planning, analytical, decision-making, lateral thinking and project management skills.

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (added advantage)

Read More & Apply

ICT Risk and Data Protection Analyst at Sidian Bank

JOB PURPOSE

The role holder will assist in providing continuous independent assurance of the Bank’s Information Communication Technology (ICT) Risk and Data Privacy framework as regards to Governance, IT Risk Assessments, Risk Response & Reporting, Information Security, Privacy Architecture and Data Lifecycles of Bank’s IT assets, projects and processes. The role holder will also assist in ensuring that ICT and Data Privacy risks are managed in compliance to the Bank’s policies, laws, regulatory guidelines and applicable standards.

KEY RESPONSIBILITIES

• Carry out ICT risk assessments of the Bank’s systems and provide recommendations of appropriate and adequate IT security controls to mitigate and minimize ICT Risks.
• Participate and coordinate updating ICT Risks registers.
• Promote Information security awareness within the Bank by providing consultation, guidance and conducting relevant awareness programs to ensure an Information Security complaint culture.
• Proactively anticipate potential threat and vulnerabilities and provide guidance in coordination with the IT department on effective responses or control measures to be implemented to mitigate them.
• Support the operationalization and update of Business Continuity Program (BCP) and Disaster Recovery (DR) test plans to ensure that the Bank can continue to function and meet its regulatory obligations in the event of an unforeseen circumstances.
• Working with IT Department, coordinate the development of Business Impact Analysis (BIAs) in line with the Bank’s risk management framework.
• Support Data Protection Program by providing analysis and documentation of data processing operations, data flow, services, applications, etc. and to contribute to the identification of Data Privacy risks, risk mitigation in order to comply with Kenya Data Protection Act and the Bank’s policies.
• Work with other members of the Data Protection team to action and administer the Data Privacy Impact Risk Assessments (DPIAs), identifying where assessments are required and working with business. stakeholders to drive completion of DPIAs, maintaining full and complete records and timetables for review.
• Support Red Teaming exercises by simulating advanced persistent threat (APT) scenarios, testing the effectiveness of security controls, identifying exploitable vulnerabilities across systems and applications, and working with stakeholders to strengthen detection and response capabilities.
• Keep up to date with emerging information security trends, and understand, relevant laws and regulations such as data privacy laws.
• Execute any other duties and projects that may be assigned to you by the Line Manager or/and Head of Department.

ACADEMIC BACKGROUND

• Bachelor’s degree in Information Technology, Computer Science, Cybersecurity or another IT related field.

WORK EXPERIENCE

• At least 5 years in Information Technology with proven hands on experience in Information Security, IT Risk, IT Audit or Cyber Security role.

SKILLS & COMPETENCIES

• Understanding of ICT risk, Data Privacy Risk and systems security control processes.
• Knowledge of Information Security related frameworks/ Regulations such as CBK Cyber Security Guidelines, ISO 27001, ISO 27002, NIST Cyber Security Frameworks, COBIT, PCI DSS, Swift Customer Cyber Security Programme etc.
• Understanding of Information systems Architecture and operational practices.
• Appreciation of IT Risk Assessment and Audit Methodologies.
• Knowledge of cybersecurity good practices (Identity and Access Management, Data Protection, Penetration Testing etc.)
• Knowledge of Data Protection & Privacy laws Regulation such as the Kenya Data Protection Act and/or the EU General Data Protection Regulations (GDPR).
• Highly proactive and able to work independently.
• Excellent written communication skills, demonstrating the ability to document with purpose, clarity, and accuracy.
• Strong inter-personal and group/team process skills, problem-solving and judgment skills.
• Strong systems thinking and analytical approaches to problem solving.

PROFESSIONAL CERTIFICATION

• Professional qualification in IT Security, IT Risk, IT Audit & Data Privacy such as CISA, CISM, CISSP, CEH, CRISC, Security +, CCISO, CTIA, CND, CIPM, CDPSE or equivalent will be an added advantage.

Read More & Apply

Manager – Treasury Middle Office at Sidian Bank

JOB PURPOSE

The middle office provides support for both day to day operations as well as strategic functions within the treasury department. Its main role includes monitoring risks while also improving processes and systems, for better efficiency. The job holder will be responsible for treasury middle office function with a fundamental role of enhancing control in the following ways;

• First-hand trading risk management & validation of dealing process separation
• Independently validating positions taken and margins applied
• Evaluating the effectiveness of trading control systems
• Detection and escalation of trading errors
• Tracking and enforcing stop loss limits
• Detection and escalation of fraudulent activities & unethical trading practices
• Monitoring of unauthorized proprietary trading
• First-hand enforcement of statutory compliance in regards to Currency Positions
• Enforcement of policy controls on dealing room personnel and practice requirements
• Assessing treasury funding gaps and developing funding proposals
• Processing treasury transactions in the treasury management system, analyzing treasury risk and reporting
• Provide wider support to all of the Bank’s treasury front and back office activities to ensure segregation of duties at all times
• The role is responsible for providing an analysis, development and optimisation of balance sheet management strategies with a view to ensure that there is a robust risk and control management framework to cover market risk and treasury operational risks within the risk appetite set by ALCO
• He/she will also be responsible for monitoring, reconciling and reporting on the P&L account

KEY RESPONSIBILTIES 

• Independent Risk controller
• P & L Reconciliation – Foreign Exchange / Financial Institutions / Money Markets 
• Revaluation data & Deal control
• Audit and Financial Control
• Treasury Reporting

MAIN ACTIVITIES

Independent Risk Controller

• Identify all material risk factors related to credit, operational, market and liquidity risk e.g. C/party exposures, procedures, inflation, interest rates, exchange rates, etc. and to be able to quantify the effect thereof on the existing positions daily;
• Ensure that the overall Bank and treasury stays within regulatory limits set by the Regulator and internal limits through daily accurate reporting;
• Provide expert advice during roll out of new treasury products/ treasury technology.;
• Analyzing and modelling treasury risks i.e. interest rate risk, FX risk (transaction and translation), commodity risk etc.;
• Review the current treasury policy and propose any changes that may add value to the policy and the wider treasury function of the Bank;
• Monitor compliance of all  treasury activities relative to policies and market best practices;
• Maintaining the treasury risk register and ensuring it is up to date at all times and effectively communicated and that actions are taken by relevant stakeholders;
• Championing the Bank’s bank account management process i.e. opening, maintenance and closing of bank accounts;
• Monitor and measure the compliance of portfolio risks within the trading book, AFS book or HTM book with an eye on limits and guidelines set internally and by the regulator daily.

P&L Reconciliation

• Daily compute the contribution of each product, dealer and transaction to the P&L of the bank and report to stakeholders through a P&L tracker;
• Verify that reported daily positions are correct and that the treasury position reconciles with the general ledger;
• Reconcile the P/L report daily (Both FX & MM) and escalate off market trades, Canceled & Amended trades or any issues to Financial Risk and Treasury;
• Obtain daily P/L report estimates and P/L report sign offs from Treasury and keep track of the same;
• Management of Month-end FCY PL sweeps by notifying dealers of possible Position impact while ensuring no PL impact;
• Championing  the bank’s treasury deals confirmation (including confirmation matching) and settlement processes.

Revaluation data & Deal Control

• Championing the accounting valuation/revaluation processes of all treasury instruments i.e. mark-to-market valuations of all financial instruments;
• Report the outcomes of each measure of risk (Interest, liquidity or exchange) to immediate supervisor in accordance with set policies and procedures. e.g. NOP (net overnight open position), PVO1, MTM, NII, VAR etc.;
• Daily report on the CBK and Nostrum closing balances to the immediate supervisor to ascertain efficient placement of funds;
• Management of Inter-desk Funding between the ALM desk and Trading desks (Fixed Income/FX);
• Daily verification of End of Day rates as well as End of month Fixed Income and FX revaluation;
• Ensure appropriate deal booking policy/models are used by the TFO especially on rollout of new products and new systems;
• Assist to maintain day-end and month-end data to enable reporting on current and historical compliance or non-compliance with limits and guidelines, with appropriate commentary over daily, weekly, monthly, quarterly or annual periods;
• Off Market Rate Deal reporting across all asset classes (FX, Money Markets, and Securities) by jointly with Market Risk establishing and monitoring thresholds;
• In liaison with Risk, Capture End of Day Market Rates for FX (including swap points for valuation of FX swaps and Forwards) in T-24 system or treasury transaction processing system;
• In Liaison with Risk, Capture End of Day Market Rates for Securities Held and Fair Value Through PL or OCI, in T-24 system or treasury transaction processing system;
• Exception reporting for Deals Cancelled and amended with PL impact for fair valued assets (FX and Securities).

Audit and Financial Control

• Through daily reporting; give prompt attention to risk exposures & breaches of limits and guidelines, including the development of risk mitigation strategies;
• Report daily on limits utilization, counterparty lines utilization, product breaches and trading limits breaches;
• Ensuring that all external debt and interest is properly accounted for and correctly reported on the company’s financial statements and working in conjunction with the finance function as required;
• Ensure Compliance with International Accounting Standards and International Financial Reporting Standards;
• Assist in analysis, investigation and closure of any audit issues highlighted in treasury;
• Conduct independent valuation of all Treasury products e.g. Interest Rate swaps, Forwards, FX Swaps, Bonds, Options, Overnight Index Swaps etc.;
• Championing the treasury function’s audit process for both internal and external audits including liaisons on an audit follow-up points;
• Ensure close liaison with other areas internal and external of Finance to ensure consistent adherence to policies and procedures.

Treasury Reporting

• Championing the treasury function’s reports pack preparation for various stakeholders i.e. board packs, due diligence packs, investors roadshow packs, new relationship report packs etc.;
• Prepare Models that help with product revaluation, Sensitivity analysis, Scenario Analysis, Stress testing to help with budgeting, MIS, ALCO decisioning;
• Produce TMO Pack documenting movements and highlighting P&L and Balance Sheet trends across the bank’s Treasury Products and Industry;
• Act as the contact person for treasury products internal and external reviews;
• Coordinate resolution of issues with cross functional teams, including front office, market risk, and operations;
• Provide support in preparation of business cases for new opportunities and products for the Treasurer to be presented to Asset Liability Committee (ALCO);
• Design/re-engineer exception-based Treasury reporting.

ACADEMIC BACKGROUND

• A first Degree in a relevant discipline i.e. accounting, financial management, economics, numerical or other scientific related disciplines.
• Advanced degree is an added advantage.

WORK EXPERIENCE

• A minimum of 4 years’ experience working in a treasury function either in a financial or corporate institution, preferably in the financial services industry.
• At least three years banking experience with exposure to Treasury function – front, middle or back office functions.

SKILLS & COMPETENCIES

• Practical Knowledge of Treasury products and Treasury risk management systems and operational processes with demonstrable skills application of market risk management methodologies and tools;
• Good communication skills with strong personality and ability to work with minimum supervision;
• Solid grounding in financial systems database methodologies and financial modelling;
• Solid experience in working with Treasury Management Systems;
• Advanced Excel skills and computer literacy (e.g. SQL, Crystal Reports);
• Prompt and accurate reporting for decision making;
• Timely production of exception reports and explanation of dealer estimates vs actuals.

PROFESSIONAL CERTIFICATION

• Qualified accountant (CPA/ACCA or their equivalent); member of ICPAK
• Recognized Professional Qualification in Treasury will be a strong added advantage.
• ACI accreditation or Risk Management certification. CPA/ACCA qualification is desirable.

How to Apply:

Relationship Manager – Nairobi Region at Sidian Bank

JOB PURPOSE

The jobholder is responsible for managing client relationships to achieve the set sales targets and wallet share and ensure sustained business growth and profitability in the assigned customer segment. To sell, cross/upsell and deliver excellent sales and service of the bank’s products and services whilst building long-term profitable customer relationships.

KEY RESPONSIBILTIES 

• Branch strategic input and planning
• Business Growth & Development
• Marketing & Brand Management
• Relationship Management & Customer experience
• Branch Operations
• Personal Leadership & Development
• Risk & Compliance

Branch Strategic input and planning:

• Contributes to the completion of the branch operational plan by preparing and implementing an individual business plan that encompasses strategies for performance on branch growth objectives.
• Formulate and implement personal initiatives for assigned and new business portfolio aimed at increasing new business and share of wallet from existing clients.
• Prepares a personal action plan that contributes to the overall branch budget.

Business Growth & Development:

• Full responsibility for all product lines and all sales and business development for new and assigned business portfolio.
• Achieve business growth of the Business portfolio (Both Assets and Liabilities) ensuring income, quality and portfolio growth targets are achieved.
• Growth in client recruitment, increased transactional income, cross selling of products ,Customer relationship management as per set bank targets.
• Develop new business opportunities and monitor business’s activities in line with the Bank’s long-term strategic and annual business plans and ensure that the Bank remains competitive and promptly reacts to changing market conditions and customer needs.
• Develop a new customer base by expanding markets and cross selling the bank products.
• Develop a focused relationship management system, which increases the branch ability to increase the flow of business and generate deposits, lending and revenues from existing and new customers in line with the enterprise strategy.
• Enhance the appropriate controls and monitoring mechanisms for the development of a high-quality lending.
• 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. 
• Enhancing relationship marketing and management – to establish, maintain, and enhance relationships 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 and updating the call reports.
• Ensuring compliance to the Environmental Social Management (ESM) policy and procedure in day to day branch business.
• Leverage position as a trusted advisor to the customers to proactively manage PAR.
• Utilize the banks MIS system for continuous tracking of own performance, monitoring of customer satisfaction and provision of management / statutory reports as applicable

Marketing & Brand Management

• Enhance creation by creating, communicating, delivering, and offering solutions that have value for customers, shareholders and partners.
• Build the Sidian Bank Brand to ensure that the bank is top of mind as an enterprise bank.
• Understand and provide clear direction to the branch based on market analysis of local area consumer trends and competitor offerings. 
• Establish relationships with key clients or business influencers in the local area, including client entertainment within budget limits set by the business. 
• Support product specialists and the sales team in marketing of initiatives and other products to local businesses. 

Relationship Management & Customer Experience

• Key driver for not only customer satisfaction, but building a base of promoters by enhancing positive customer experience and advocacy to drive competitive advantage, leading to faster organic growth and lower cost.
• Achieve the set customer satisfaction score (CSAT), Customer Effort Score (CES), Customer Engagement Score and Net Promoter score (NPS).
• Co-ordinate branch initiatives aimed at gathering feedback from customers on service standards and advise Branch Manager on improvements.
• Engagement with customers and supporting them in times of personal need aimed at developing a strong bond and loyalty.
• Minimize customer attrition by offering the required solutions to the customer and proactively responding to queries and complaints.
• Achieve the required minimum client visits and customer engagement forums per year.
• Identify financial and non-financial requirements of HNW clients by conducting financial needs analysis

Branch Operations:

• Support branch operations as assigned by the Branch Manager to manage leave and other emergency situations.
• Support the Branch Manager if called upon to be a Branch custodian and therefore adhere to the Branch opening procedure, branch cash procedure and other policies and procedures in the branch.

Personal Leadership & Development:

• Set performance objectives and measures of success for in liaison with the Branch Manager and providing regular feedback from staff appraisal processes.
• Responsible for identifying personal career path in the bank. 
• Keeping abreast with staff communications, attending staff meetings – morning huddles and weekly progress meetings.
• Preparing an annual Personal Development Plan (PDP) and ensuring its actualization.
• Adherence to the banks policies and procedures, dress code, code of conduct, HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment.
• Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings.
• Adhere to the set number of learning/training hours are achieved for self and direct reports, through E-learning and Internal training activities.

Risk & Compliance:

• Ensure that all customers onboarded to the bank meet the minimum criteria and are screened adequately considering the Banks AML/CFT/CPF guidelines and escalation of any suspicious accounts.
• Continuously monitor customer transactions in the context of the profile of the customer and properly document the background and purpose of all complex, unusual, large transactions, and all unusual patterns of transactions, which have no apparent economic or visible lawful purpose. 
• Ensure that customer accounts are suitable for purpose e.g. avoid opening children’s accounts for normal day to day transactions as opposed to opening a current account.
• Prior to Customer on boarding, ensure that a potential client has been screened, account opening form is duly completed and all required documentation as per the account opening policy obtained.
• Ensure that verification is done as to the identity of the customer, documentation used to open account, and conducted transactions during the customer journey.
• Ensure that all transaction forms are filled to completion and properly reviewed. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion.
• Responsible for immediately alerting the MLRO on suspicious transactions or activities noted in customers’ accounts. Any inconsistent activities or transactions, any suspicious accounts, any attempted accounts or transactions, must be investigated and reported to the compliance function immediately, placing a clear basis of suspicion.
• Identify any high-risk accounts such as Politically Exposed Persons (PEP) at point of account opening and at execution of transaction continuously, given the dynamic nature of such high-risk accounts. Forward the details of such high-risk customer(s) and any PEP/PEP Related persons noted   to senior management for approval.  Ensure that such accounts have all the requisite documents such as updated annual EDDs, are marked as high risk in the system and the reason for high risk rating properly indicated. 
• Identify customers in portfolio that require an update of profiles in a timely manner and ensure that the changes are maintained in the system and are up-to-date. 
• Ensure that UBO information is obtained and captured in AODs and core banking at point of account onboarding and throughout the customer journey.
• Ensure accurate and complete data has been captured in the system and that customers are properly risk rated or categorized as per bank policy on customer categorization as high, medium or low, and ensure that timely KYC update is done for the various risk categories of clients as per regulatory requirements
• Ensure that the transactions contain the full details and the relevant supporting documentation and authorizations are in place where required. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion.

DECISION MAKING AUTHORITY

• Customer onboarding as per policy.
• Portfolio management as per policy.
• Credit appraisal and debt monitoring for accounts in PAR or NPL as per policy.
• KYC compliance as per policy.

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.

WORK EXPERIENCE

• At least 7 years’ experience in retail banking and/or commercial banking including a minimum of 4 years sales experience.

SKILLS & COMPETENCIES

• Sound knowledge of Retail Banking/SME products, services and processes together with exposure in retail banking branch operations or customer service delivery.
• Profound understanding of retail market, key competitors and offerings as well as our competitive edges to win quality customers.
• Thorough understanding of CBK regulatory framework and pertinent regulations impacting corporate customers.
• Strong leadership, marketing, sales and management skills.
• Highly effective communicator with excellent interpersonal and motivational skills.
• Solid performance management and motivational skills.
• Excellent relationship building and stakeholder management skills.
• Strong managerial, planning, analytical, decision-making, lateral thinking and project management skills.

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (added advantage)

Manager – Enterprise Risk Management at Sidian Bank

Manager – Enterprise Risk Management

Last Updated: 15th Aug, 2025

Department: Enterprise Risk Management

Reports to: Head, Enterprise Risk Management

Apply by: 31st Aug, 2025

JOB PURPOSE

To lead the development, implementation, and continuous improvement of the Bank’s Enterprise Risk Management framework, with a strong focus on financial risks (market, credit, and liquidity) and regulatory capital adequacy.

The role will ensure that risk governance meets industry best practices and regulatory standards, including Basel requirements, ICAAP, and Pillar 1 & 2 risk management.

KEY RESPONSIBILITIES AND ACTIVITIES

ERM Framework & Policy 

• Develop and uphold ERM policies, procedures, and risk appetite statements, focusing on the governance of financial risk. 
• Ensure conformity with ISO 31000, COSO ERM, Basel III/IV, IFRS 9, and relevant local regulations (CBK Prudential Guidelines). 
• Facilitate the incorporation of market and credit risk evaluations into the Bank’s strategic plan.

Risk Identification & Assessment 

• Perform risk assessments across various portfolios, business sectors, and investment offerings.
• Recognize new risks associated with fluctuations in interest rates, foreign exchange volatility, credit risks, counterparty defaults, and liquidity shortfalls. 
• Sustain an evolving risk register that includes quantitative models for assessing risks including market, liquidity, and credit risk.

Market Risk Management

• Monitor exposures to interest rate, foreign exchange, equity, and commodity risks.
• Conduct stress testing, Value at Risk (VaR) assessments, sensitivity analyses, and scenario evaluations.
• Propose strategies and actions to mitigate market risk.

Credit Risk Management

• Supervise the processes for assessing credit risk across retail, corporate, and interbank exposures.
• Keep track of portfolio concentration, credit ratings, counterparty limits, and trends in non-performing loans (NPL).
• Enhance credit risk underwriting standards in partnership with business units.

Liquidity & Capital Adequacy

• Monitor liquidity shortfalls, funding sources, and adherence to LCR and NSFR ratios.
• Assist in documenting and implementing the Bank’s the Internal Capital Adequacy Assessment Process (ICAAP) processes to ensure alignment with industry best practices.
• Guarantee the proper identification, monitoring, and control of Pillar 1 risks (credit, market, operational) and Pillar 2 risks (concentration, IRRBB, strategic, reputational, etc.).
• Facilitate capital planning to satisfy current and anticipated capital needs.
• Support the Internal Liquidity Adequacy Assessment Process (ILAAP).

Risk Monitoring & Reporting

• Establish Key Risk Indicators (KRIs) based on Bank risk taxonomy to include market, credit, and liquidity risks.
• Create dashboards, exposure reports, and presentations for the board.
• Report any breaches of risk appetite and coordinate corrective actions.

Governance & Compliance

• Support (internal and external) audits and regulatory inspections concerning risk management and capital adequacy.
• Ensure adherence to CBK Prudential Guidelines, Basel standards, IFRS 9, and other relevant frameworks.
• Communicate with regulators regarding market, credit, and ICAAP-related issues.

Business Continuity & Crisis Management

• Incorporate financial risk and capital adequacy stress scenarios into Business Continuity Planning (BCP) and Disaster Recovery Planning (DRP) testing.
• Lead contingency planning testing efforts for market disruptions and systemic shocks.

Training and Awareness

• Enhance capacity in the areas of enterprise risk management and capital adequacy principles.
• Deliver specialized ICAAP and ERM training sessions to management and essential personnel.
• Drive enhancement to team performance and achievement of team goals
• Provide staff with leadership and guidance to improve their work product and increase client effectiveness
• Any other duties assigned by Head Enterprise Risk Management

KNOWLEDGE, SKILLS & EXPERIENCE

Qualifications & Experience:

• Bachelor’s degree in Finance, Risk Management, Economics, Accounting, or related discipline.
• Professional certifications: FRM, CFA, CPA, CRM, or equivalent.
• Minimum 7 years’ experience in financial risk management, with at least 2 years in a managerial role.
• Proven ICAAP, market risk, credit risk, and capital adequacy expertise.
• Masters Degree is an added advantage in Finance, Economics, Risk

Skills & Competencies:

• Strong analytical and quantitative skills; proficient in risk modelling tools.
• Deep understanding of Basel capital and liquidity requirements.
• Skilled in stress testing and capital planning methodologies.
• Strong stakeholder engagement and communication abilities.
• Thorough understanding of CBK regulatory framework
• Ability to understand and interpret financial information and principles.

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Branch Manager – Kapsabet Branch at Sidian Bank

Last Updated: 15th Aug, 2025

Department: Branch Banking

Reports to: Head – Branches

Apply by: 31st Aug, 2025

JOB PURPOSE

The jobholder will Coordinate with the Head – Branches in implementing and carrying out bank policy and procedures with respect to overall operations of branch. The role is responsible for business development within the branch market to meet or exceed business development goals; development, coaching and discipline of staff to assure appropriate proper branch sales and customer service given the Bank’s branch staffing model; and adherence to policies and procedures. 

KEY RESPONSIBILTIES 

• Branch strategic input and planning
• Business Growth & Development
• Marketing & Brand Management
• Relationship Management & Customer experience
• Branch Operations
• Leadership & People Management 
• Personal Leadership & Development
• Team Leadership & Management
• Risk & Compliance

MAIN RESPONSIBILTIES 

Branch Strategic input and planning:

• Contributes to the completion of the Sidian Bank Retail Operational plan by preparing and implementing a branch business plan that encompasses strategies for performance on branch growth objectives.
• Understand and provide clear direction to the branch based on market analysis of local area consumer trends and competitor offerings.
• Prepares the branch budget for approval and contributes to the overall control of expenditure by monitoring costs and reporting on performance against budget variations.
• Formulate and implement business strategic initiatives for the branch aimed at increasing new business and share of wallet from existing clients.
• Ensure Growth in NII (Net Interest Income) for branch by increasing fees and commissions, ensuring OPEX optimization to reduce operational costs and managing cost of cash holding at the branch level.

Business Growth &  Development:

• Full responsibility for all product lines and all sales and business development for entire branch business.
• Responsible for the growth of the Branch’s Business portfolio (Both Assets and Liabilities) ensuring income, quality and portfolio growth targets are achieved.
• Responsible for the Growth in client recruitment, increased transactional income, cross selling of products ,Customer relationship management as per set bank targets.
• Develop business opportunities and monitor business’s activities in line with the Bank’s long-term strategic and annual business plans and ensure that the Bank remains competitive and promptly reacts to changing market conditions and customer needs.
• Develop and implement a branch turnaround strategy to ensure that at least the branch is profitable.
• Develop a focused relationship management system, which increases the branch ability to increase the flow of business and generate deposits, lending and revenues from existing and new customers in line with the enterprise strategy.
• Enhance the appropriate controls and monitoring mechanisms for the development of a high-quality lending.
• 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. 
• Enhance relationship marketing and management – to establish, maintain, and enhance relationships 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.
• Ensuring compliance to the Environmental Social Management (ESM) policy and procedure in day to day branch business.

Marketing & Brand Management:

• Embed strategic marketing by focusing on how to develop competitive advantage into the changing marketplace and leveraging on the banks distinctive capabilities to drive value.
• In conjunction with Head of Branch Business and Products Managers, conduct product review and product development through constant feedback from the market
• Enhance creation by creating, communicating, delivering, and offering solutions that have value for customers, shareholders and partners.
• Build the Sidian Bank Brand to ensure that the bank is top of mind as an enterprise bank.
• Understand and provide clear direction to the branch based on market analysis of local area consumer trends and competitor offerings. 
• Ensure that merchandising materials are displayed in accordance with guidelines. 
• Brief staff on promotional and product launches; provide regular feedback on sales performance. 
• Establish relationships with key clients or business influencers in the local area, including client entertainment within budget limits set by the business. 
• Support product specialists and the sales team in marketing of initiatives and other products to local businesses. 

Relationship Management & Customer Experience:

• Key driver for not only customer satisfaction, but building a base of promoters by enhancing positive customer experience and advocacy to drive competitive advantage, leading to faster organic growth and lower cost.
• Create a differentiated customer experience design, tailored to target customer needs and optimize customer interactions with the brand, offerings, and touch points to consistently deliver and make continuous improvements to the design.
• Link sales and service and embed customer service culture as the bedrock to grow the balance sheet.
• Manage key branch relationships.
• Ensure wait time within permissible limits as per segmental service approach and Sidian brand standards.
• Achieve the set customer satisfaction score (CSAT), Customer Effort Score (CES), Customer Engagement Score and Net Promoter score (NPS).
• Ensuring no escalations at branch and complaint handling.
• Co-ordinate branch initiatives aimed at gathering feedback from customers on service standards and advise business heads on improvements.
• Engagement with customers and supporting them in times of personal need aimed at developing a strong bond and loyalty.

Branch Operations:

• Ensure the branch is opened and closed on time as per CBK requirement and any escalation where the same is not met.
• Ensures operations meet legislative and Sidian Bank policy requirements, including health and safety requirements, by monitoring systems, procedures and workflows, and implementing corrective action.
• Responsible for all security procedures within the branch including opening procedures, camera surveillance and maintenance, video monitoring, robbery and fire drill procedures.
• Ensures adequate cash levels to support operations.
• Ensures branch staff are adequately trained in KYC and AML and are adhering to the prudential guidelines.
• Adhere to standardized branch guidelines.
• Ensure availability of necessary infrastructure in branch.
• Closely monitor branch business performance and ensure accurate records of the same are maintained and forwarded to the Head of Branch Business and respective Business Heads.
• Ensure all branch staff follow the laid down branch opening procedure and other branch operations policies and procedures.
• Ensure adequate staffing at start of day and report any absence as it may have an impact on service delivery.

Leadership & People Management:

• With the support of the HR Business Partner, the Branch Manager has the ultimate responsibility for the Human Resource Management of the branch staff and consults with HR on clarity and interpretation of the HR policy.
• Set performance objectives and measures of success for direct reports, providing regular feedback from staff appraisal processes.
• Contributes to the ability of staff to meet performance objectives by providing day to day supervision, training and support and leading performance processes in accordance with Sidian policies and procedures.
• Responsible for identifying and developing career path opportunities for staff. 
• Contributes to the development of staff by assisting with the interpretation and implementation of operational policies and procedures.
• Responsible for assigning tasks to staff, scheduling and monitoring work and reviewing results for timeliness, accuracy and quality.
• Contributes to the flow of staff communications, by conducting regular staff meetings – morning huddles and weekly progress meetings.
• Encourages staff to participate in internal and external training and development opportunities as these arise and in accordance with individualized development plans.
• Responsible for the presentation and service standards of retail staff to ensure a professional image is maintained with all clients.
• Ensures adherence to dress code, code of conduct and HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment.
• Responsible for mentoring and coaching the retail team to enhance staff motivation, engagement and improve performance.
• Responsible  for the overall Risk and Compliance activities in the branch set up and therefore must ensure compliance in all areas by Branch Staff and  will be held accountable for lapses in the branch 
• Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings.
• Manage performance /disciplinary issues/grievances for staff. 
• Ensure there is proper succession planning by maintaining an effective leave program and an in-house training schedule for ease of relief due to leave or sickness.
• Ensure the set number of learning/training hours are achieved for self and direct reports, through E-learning and Internal training activities.

Personal Leadership & Development:

• Manage self by showing drive and motivation, an ability to self-reflect and a commitment to learning.
• Communicate effectively communicate clearly, actively listen to others, and respond with understanding and respect.
•  
• Commit to Customer Service: provide, customer-focused services in line with banking sector and organizational objectives – adherence to the bank customer service charter and ensure personal accountability so as to meet the laid down Service Level Agreements (SLA) and work within stipulated Turn Around Time (TAT).
• Work Collaboratively Collaborate with others and value their contribution.
• Deliver Results Achieve results through the efficient use of resources and a commitment to quality outcomes.
• Think and solve problems, analyze and consider the broader context to develop practical.

• Keeping abreast with staff communications, attending staff meetings – morning huddles and weekly progress meetings.
• Responsible for own career within the bank and preparing an annual Personal Development Plan (PDP) and ensuring its actualization.
• Adherence to the banks policies and procedures, dress code, code of conduct, HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment.
• Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings.
• Live the brand values as a Sidian Bank brand ambassador and always project the right image of the bank to both staff and customers.

Team Leadership & Management:

• With the support of the HR Business Partner, the Line Manager has the ultimate responsibility for the Human Resource Management of the team and consults with HR on clarity and interpretation of the HR policy;
• Set performance objectives and measures of success for direct reports, providing regular feedback from staff appraisal processes and contributes to the ability of staff to meet performance objectives by providing day to day supervision, training and support and leading performance processes in accordance with Sidian policies and procedures;
• Responsible for assigning tasks to staff, scheduling and monitoring work and reviewing results for timeliness, accuracy and quality.
• Contributes to the flow of staff communications, by leading regular staff meetings – morning huddles and weekly progress meetings.
• Encourages staff to participate in internal and external training and development opportunities as these arise and in accordance with individualized development plans;
• Responsible for the presentation and service standards of retail staff to ensure a professional image is maintained with all clients;
• Ensures adherence to dress code, code of conduct and HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment;
• Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings;
• Ensure there is proper succession planning by maintaining an effective leave program and an in-house training schedule for ease of relief due to leave or sickness.
• Ensure the set number of learning/training hours are achieved for self and direct reports, through E-learning and Internal training activities

Risk & Compliance

• To ensure implementation and compliance with operational policies and procedures at the branch and maintain a culture within the branch that emphasizes and demonstrates the importance of internal control to all staff.
• Ensure compliance with agreed limits of authority and levels of access to systems and information.
• Ensure that all customers onboarded to the bank meet the minimum criteria and are screened adequately considering the Banks AML/CFT/CPF guidelines and escalation of any suspicious accounts.
• Continuously monitor customer transactions in the context of the profile of the customer and properly document the background and purpose of all complex, unusual, large transactions, and all unusual patterns of transactions, which have no apparent economic or visible lawful purpose. Any such inconsistent activities or transactions must be investigated and reported to the compliance function immediately with a clear basis of suspicion. 
• Responsible for immediately alerting the MLRO on suspicious transactions or activities noted in customers’ accounts escalated by the branch staff. Any inconsistent activities or transactions, any suspicious accounts, any attempted accounts or transactions, must be investigated and reported to the compliance function immediately, placing a clear basis of suspicion.
• Ensure that customer accounts are suitable for purpose e.g. avoid opening children’s accounts for normal day to day transactions as opposed to opening a current account.
• Prior to Customer on boarding, ensure that a potential client has been screened, account opening form is duly completed and all required documentation as per the account opening policy obtained.
• Ensure that verification is done as to the identity of the customer, documentation used to open account, and conducted transactions during the customer journey.
• Ensure that all staff within the branch are trained and have an Up to Date understanding of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing environment.
• Identify major risks affecting the branch and ensure necessary steps are taken to measure, monitor, and control structure with control activities defined at each level and duties properly segregated.
• Recommend revision of controls, where appropriate, to address new or previously uncontrolled risks
• Identify any high – risk accounts such as Politically Exposed Persons (PEP) at point of account opening and at execution of transaction continuously, given the dynamic nature of such high- risk accounts. Forward the details of such high-risk customer(s) and any PEP/PEP Related persons noted   to senior management for approval.  Ensure that such accounts have all the requisite documents such as updated annual EDDs, are marked as high risk in the system and the reason for high risk rating properly indicated. 
• Ensure that the transactions contain the full details and the relevant supporting documentation and authorizations are in place where required. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion
• Ensure that all staff within the branch are trained and have an Up To Date understanding of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing environment.
• Ensure that UBO information is obtained and captured in AODs and core banking at point of account onboarding and throughout the customer journey.
• Examine and ensure that relevant bank documents, records, procedures and systems are followed and comply with the established policies, procedures, and authority limits, including AML/CFT/CPF.
• Track previously identified deficiencies and ensure management corrects them within established timelines
• Assess the adequacy of recordkeeping and record-retention processes
• Assure compliance by the bank to statutory and regulatory obligations in respect of money laundering/terrorism financing/proliferation financing policies, procedures and controls.

DECISION MAKING AUTHORITY

• Empowered to make managerial decisions.
• Approval on lending discretion as per lending policy.
• Approval of new accounts opened in the branch.
• Approval on costs within set budgets e.g. taxi expenses, facilities maintenance, petty cash spend etc.
• Discretion on resource allocation within the branches under approved headcount for optimum productivity.
• Approval of staff leave.

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.
• Master degree will be an added advantage.

WORK EXPERIENCE

• Minimum 8 years’ working experience in a Banking environment, with sound exposure to Branch Operations, Credit Management and Business development, 4 years should be at a management role.

SKILLS & COMPETENCIES

• Sound knowledge of Retail Banking/SME products, services and processes together with exposure in retail banking branch operations or customer service delivery.
• Profound understanding of retail market, key competitors and offerings as well as our competitive edges to win quality customers.
• Thorough understanding of CBK regulatory framework and pertinent regulations impacting corporate customers.
• Strong leadership, marketing, sales and management skills.
• Highly effective communicator with excellent interpersonal and motivational skills.
• Solid performance management and motivational skills.
• Excellent relationship building and stakeholder management skills.
• Strong managerial, planning, analytical, decision-making, lateral thinking and project management skills.

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (added advantage)

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