Internship | Job Vacancies at Sidian Bank

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)

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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

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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

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

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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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

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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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.

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Manager – Treasury Middle Office at Sidian Bank

JOB PURPOSE

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

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

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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