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Banking Jobs in Kenya - Jamii Bora Bank

Jamii Bora Bank

Job Title: 
Officer, Cash & Operations
 
Reports To: Branch Manager
 
Department: Retail Banking
 
Division: Business
 
Grade: 2

Core Value Behaviors

  • Teamwork: ”We work together to make Jamii Bora better”
  • Innovation: “We are driven by creativity, innovation and continuous improvement”
  • Professionalism: “We are qualified, skilled and committed to serve our customers”
  • Integrity: “How we do business is as important as the business we do so we do the right thing always”
Job Purpose: The purpose of the role is to support the Branch Manager in a small to medium branch by effectively supervising the frontline cash and operations staff to deliver best in class customer service to customers to maximize relationship building so as to achieve the bank strategy to “grow market share by building our reputation as an efficient, innovative and customer centric enterprise bank”
 
Key Responsibilities
  • Ensure delivery of high quality service at back office, teller line and service units • Enhance productivity of tellers and customer service staff • Enhance uptake and utilization of products and channels during service
  • Minimize exposures to and impact of operational risks through application of policies and procedures
Main Activities
 
Cash Management:
  • Ensures the branch and vaults are opened and closed on a timely basis
  • Facilitates teller cash movement to and from the vault as per SLA 
  • Manage, sorting and maintain cash limits both at Central Cash and Branches and ensure prompt expatriation of excesses 
  • Ensure that foreign cash held is within the set limit 
  • Hold in joint custody keys to vault cash compartments and enforces dual control procedures at all times
  • Ensure cash differences are minimized and reported promptly as per the laid-down policies and procedures
  • Maintains proper teller and vault cash levels, including ordering of coins and notes
  • Oversees teller duties and assists with customer transactions during peak periods
  • Balances and troubleshoots ATM/debit card concerns
  • Maintain branch petty cash
Sales & Customer Service:
  • Ensure customer Queries, Requests or Complaints are handled within the defined Service Level Agreements (SLAs) and Turn Around Time (ATM, Mobile Banking, Queue Management)
  • Ensures excellent customer service skills are practiced by all the teller staff members
  • Training of tellers and customer service assistants on products, service, policies, procedures, branch security, health and safety and consumer protection
  • Floor management to ensure customers are well taken care of and address any concerns on the branch floor
  • Ensure the front line team are engaging customers for upselling and cross selling to ensure uptake and utilization of banks products and channels
  • Endeavors to increase deposits by new and existing clients by identifying and evaluating client needs’ through observation, listening and questioning techniques, and ensuring quality recommendations that will satisfy the client and influence their decision-making process towards JBB and therefore meeting JBB longer term strategic goals
  • Maximum cross-selling of JBB products including ABC products to both existing and new customers
Branch administration:
  • Key custodian of the Branch Audit with a view to maintain and exceed the set target
  • Ensures and maintains checks and balances of all Bank books and General Ledgers, collect the requisite incomes due.
  • Keeps staff informed of pertinent changes in operational policy and procedures
  • Prepares teller performance appraisals and disciplinary notices as required
  • Schedules tellers for adequate coverage at all times
  • Performs pre-audits/snap-checks to ensure ongoing adherence with compliance procedures
  • Maintains and tests alarms and other security devices
  • Maintains adequate supplies of stationeries, furniture and fittings, e.t.c at the branch
  • Reports branch safety concerns to administration
  • Ensure adherence to budget and identify opportunities for cost efficiency
Qualification and Experience Requirements
  • University Degree from a recognized university
  • Diploma in banking is an added advantage
  • 2 years’ experience in banking with at least 1 year as a teller
How to Apply

Apply online at http://www.jamiiborabank.co.ke/careers


Job Title:Information Security Officer
 
Reports To: Head of Enterprise Risk & Compliance
 
Department:Enterprise Risk & Compliance
 
Division: Governance
 
Grade: 4

Core Value Behaviors
  • Teamwork: ”We work together to make Jamii Bora better”
  • Innovation: “We are driven by creativity, innovation and continuous improvement”
  • Professionalism: “We are qualified, skilled and committed to serve our customers”
  • Integrity: “How we do business is as important as the business we do so we do the right thing always”
Job Purpose: This role exists to provide support in continuous review of JBB systems and in recommending mitigation measures against risks and issues identified with a view to improve confidentiality, integrity and availability of JBB information and information processing systems so as to achieve the bank’s core strategy to “grow market share by building our reputation as an efficient, innovative and customer centric enterprise bank”

Key Responsibilities
  • Review of JBB’s critical systems, recommendation and implementation of appropriate and adequate IT security controls to mitigate and minimize information security risks. Continuous review of controls in place to identify and close gaps and provide continuous assurance on the security of the bank’s information systems
  • Consistency in achieving compliance requirements, optimal efficiency and cost containment with regard to information systems security
  • Robustness of the bank’s information system security and effectiveness of systems (policies, processes, procedures and tools) in escalating and investigating with IS security violations
Main Activities
  • Develop and maintain the JBB strategic information security program and plan, taking into consideration business and legal requirements, risk (likelihood and impact), and criticality; and building consensus among stakeholders
  • Develop, maintain and enforce JBB information and cyber security policies and practices designed to protect sensitive corporate assets, ensure data privacy, and comply with laws and regulations, including the Payment Card Industry (PCI), CBK and other applicable privacy laws
  • Develop, maintain and enforce JBB information security policies and procedures, for example: Identification of sensitive data and policies/practices regarding the identification of sensitive data as well as practices for information labeling, handling and storage
  • Ensure technology solutions adhere to best practices and meet security requirements, including Software-as-a Service (SaaS) contracts, Infrastructure-as-a-Service (IaaS) contracts, Platform-as-a-Service (PaaS) contracts and customized software development solutions
  • Manage contractors and outsourcers providing information technology services to JBB, including managed security services, infrastructure engineering, operations, desktop support, and software development to ensure compliance with JBB policies and requirements
  • Ensure contracts with third parties contain appropriate security language, including data privacy and protection language required. Develop, maintain and manage a third party security assessment program for key vendor relationship and third party providers
  • Manage the JBB Incident Response Plan. Perform incident response planning, including developing, maintaining and enforcing the JBB Incident Response Plan in addition to managing security incidents if/when they occur. This would include coordinating incidents, if applicable, with associated third party providers and, if applicable, multiple regulatory organizations and stakeholders
  • Perform continuous reviews of users of systems with emphasis on exits, joiners and internal movements, and take appropriate corrective actions where there are deviations. Liaise with business heads to continuously confirm and update rights and privileges of users in the bank by maintaining the user matrix and ensuring integrity as per laid won procedures
  • Perform continuous review of systems, including technical penetration testing and vulnerability assessment of systems. Communicate finding with IT management and follow up issues to closure
  • Perform daily reviews of logs and audit trail of key and critical JBB systems as per the program of work
  • Provide IT security support for the IT related projects carried out during the year, ensuring compliance with JBB policies and best practice
  • Provide IT security support to Security Services and Internal Audit
  • Carry out on effective information security awareness program in the bank
  • Keep abreast of the fast changing information systems exposures/ threats and ensure that adequate and up to date information systems security measures are in place for the maximum protection of JBB information assets
  • Carry out information security assignments as will be allocated from time to time by the Head of Enterprise Risk & Compliance
Qualification and Experience Requirements
  • University degree in Computer Science or Information Technology
  • Minimum 5 years working experience, with at least 2 years’ experience in a busy IT environment
  • One industry Security Certification such as a valid and current CISSP, CISA or CISM certification is mandatory
  • Working Knowledge of SQL data base, Linux security tools
  • Working technical knowledge of ATMs will be an advantage 
  • Experience in audit of systems will be an advantage 
  • Working experience with Intrusion detection systems and SIEMs solution 
  • Solid Knowledge of information security objectives, principles and practices 
  • Experience in development and implementation of relevant polices 
  • Experience in penetration and vulnerability testing is preferred 
  • Experience in network management, Database management, banking systems and other business applications is preferred i.e. SQL data base, Linux and windows
How to Apply

Apply online at http://www.jamiiborabank.co.ke/careers


Job Title: Head of Credit
 
Reports To: CEO
 
Department: Credit
 
Division: Business Support
 
Grade: 6

Core Value Behaviors
  • Teamwork: ”We work together to make Jamii Bora better”
  • Innovation: “We are driven by creativity, innovation and continuous improvement”
  • Professionalism: “We are qualified, skilled and committed to serve our customers”
  • Integrity: “How we do business is as important as the business we do so we do the right thing always”
Job Purpose: The Head of Credit provides overall leadership of the credit function to grow and maintain a quality loan asset book that maximizes returns and satisfaction to all stakeholders so as to achieve the bank’s core strategy to “grow market share by building our reputation as an efficient, innovative and customer centric enterprise bank”

Key Responsibilities
  • Quality of Credit Risk Management services (approvals, disbursements, reports and remedial management) in supporting business goals
  • Minimization of exposures and impacts of credit risks
  • Safe custody and ease of retrieval of credit securities 
  • Successful application risk-based pricing models
Main Activities
  • Keep the Head of Enterprise Risk Management & Compliance informed of significant credit risk related issues that may jeopardize the achievement of the Bank's goals 
  • Ensure that the credit processes within the Bank are operating effectively and efficiently toward achieving high operating standards
  • Support Jamii Bora Bank in formulating and recommending annual risk strategy (i.e., capital allocations, risk distribution, return on capital guidelines etc.) to the Board Risk Committee
  • Review and revise the existing policies and procedures for the business relevant to credit risk in light of changing market conditions based on leading practices and CBK regulations and guidelines to ensure that a sound environment for identifying, assessing, measuring, monitoring and controlling credit risk is in place 
  • Ensure compliance with established/ approved credit risk policies and procedures and ensure that a sound environment for measuring, monitoring and controlling credit risk is in place
  • Continually review Sectoral ceilings; discretionary authorities; portfolio measures; including industry limits, tenor limits, risk rating, NPLs, risk acceptance criteria, security acceptance and credit risk matrices
  • Optimise effectiveness and utilization of credit quest in Credit application processing and risk management
  • Ensuring that provisioning policies are in line with the Bank’s Credit Policy Document, comply with Banking Act provisions and co-ordinate with Finance Division to ensure appropriate provisions and interest suspensions are effected in the Bank’s accounting systems
  • Ensure continued maintenance of a quality portfolio in line with JBB standards as stipulated in policy guidelines 
  • Ensure the use of a standardized process for evaluating credit proposals, and ensure that all approved credits are in line with the Bank's credit risk strategy and policies that reflects the bank's tolerance for risk
  • Implementation of automated processes to minimize manual interventions thereby increasing efficiencies in delivery of credit products at both personal and enterprise lending levels
  • Provide ongoing relevant training to all bank staff involved in lending business to address identified skill gaps
  • Identification and management of the substandard and non-performing assets portfolio of the Bank in line with the Credit Policy Document and recommend action to EXCO and the Board, which minimise losses and facilitate full recovery of any exposure taken by the bank
  • Initiate review of industry and sector economic analysis and compile statistical information including macro-economic information, indices and provide feedback to the Senior Management Team, EXCO and the Board on the possible impact of identified trends
  • Provide technical support to the Executive Committee on the management of the Bank’s credit portfolio and the review and approval process for credit proposals
  • Management of the credit administration aspects of the portfolio, including ensuring that all requisite security documentations are in place prior to disbursements 
  • Ensure generation of adequate reports for analysis of the credit portfolio including, but not limited to portfolio concentration risk and portfolio quality and Provide timely and accurate information to the external and internal auditors and the Compliance function as and when required 
  • Lead the identification, assessment and measurement of the Bank's credit risks at the transactional and overall portfolio level 
  • Build and maintain strong and effective relationship with the all other related units to achieve the section's goals/ objectives
Qualification and Experience Requirements
  • 10 years’ experience in banking 5 of which should be in credit and at least 5 years in senior management 
  • University degree preferably in Economics, Finance or Business Administration with a strong foundation in statistics 
  • Minimum of 10 years’ experience in banking, across a cross section of products and business types 
  • Familiarity with accounting standards, not only with regard to client financials and their analysis, but also with regard to the treatment and reflection of business/product types 
  • Good command over organisational activities and associated risks, both at a micro and overview level, and the ability to prepare and present policies governing the same 
  • Strong analytical and interpreting skills on exposures data, and related market/economy knowledge, so as to discern and present risks 
  • Strong presentational skills, and the ability to effectively relate with external and internal parties, in obtaining data/information/views, and the dissemination of policy prescriptions and credit risk management recommendation
How to Apply

Apply online at http://www.jamiiborabank.co.ke/careers


Job Title: Senior Relationship Officer
 
Reports To: Branch Manager
 
Department: Retail Banking
 
Division: Business
 
Grade: 3

Core Value Behaviors
  • Teamwork: ”We work together to make Jamii Bora better”
  • Innovation: “We are driven by creativity, innovation and continuous improvement”
  • Professionalism: “We are qualified, skilled and committed to serve our customers”
  • Integrity: “How we do business is as important as the business we do so we do the right thing always”
Job Purpose: The purpose of the role is to support the Branch Manager in sales and business development activities in the branch so as to grow the branch balance sheet so as to achieve the bank strategy to “grow market share by building our reputation as an efficient, innovative and customer centric enterprise bank”
 
Key Responsibilities
  • To deliver a high quality client service and customer retention approach to managing client relationships to enhance product sales and new client growth targets
  • Achieve agreed individual performance targets for deposit growth, income generation, product sales and new client growth targets 
  • Enhance uptake and utilization of products and channels during service
  • Minimize exposures to and impact of operational risks through application of policies and procedures
Main Activities
 
Relationship Management:
  • Proactively develop client relationships, anticipate and provide solutions to client needs and give high priority to client satisfaction, with responsibility for meeting or exceeding agreed performance targets and objectives, particularly those relating to net new deposits, income generation, product sales and new client growth targets
  • Ensure that client instructions are duly effected by applying all standard checks and controls, coordinating with other departments including credit and operations
  • Accurately assess the risk profile, suitability and appropriateness of clients when marketing products and services by maintaining an accurate and up to date call report, KYC database
  • Research and maintain knowledge to ensure adherence with all applicable regulatory requirements and Compliance policy and procedures, and adhere to all such standards
  • Ensure customer Queries, Requests or Complaints are handled within the defined Service Level Agreements (SLAs) and Turn Around Time
  • Endeavors to increase deposits by new and existing clients by identifying and evaluating client needs’ through observation, listening and questioning techniques, and ensuring quality recommendations that will satisfy the client and influence their decision-making process towards JBB and therefore meeting JBB longer term strategic goals
  • Ensure the front line team are engaging customers for upselling and cross selling to ensure uptake and utilization of banks products and channels
  • Influencing customer’s decision making so that they transfer their ‘main bank’ transactional banking to JBB and utilise JBB range of non-term deposit products, which assists the branch meet its funding margin objective
  • Maintains a complete understanding of all products and services offered via JBB distribution channels, with knowledge sufficient to discuss product attributes fully and confidently
  • Develops and maintains relationships with new and existing clients in order to capitalise on opportunities to cross-sell JBB products and services to existing and potential clients
Branch administration:
  • Keeps staff informed of pertinent changes in operational policy and procedures
  • Performs pre-audits to ensure ongoing adherence with compliance procedures
  • Ensure adherence to budget and identify opportunities for cost efficiency
  • Prepares information and reports for the Branch Manager for assigned sector and business segment
Qualification and Experience Requirements
  • University Degree in a Business Related Field
  • Four years’ experience in banking with at least 2 in sales
  • Practical experience in use of MS Office tools with high proficiency in Power Point and Excel
How to Apply

Apply online at http://www.jamiiborabank.co.ke/careers

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