Daraja Microfinance Bank
Relationship Officer - Deposit
Relationship Officer - Deposit
Reporting to: Head of Business
The Relationship Officer is
responsible for onboarding individual accounts, businesses accounts and
institutions.
To grow deposits by carrying
out direct deposit mobilization activities and initiatives targeting SME
businesses and Institutions.
- Revenue
generation through onboarding of individual accounts, micro businesses,
institutions and ensure they are funded and operated well; and growing
deposits through cross selling of other accounts and services to existing
customers.
- Carrying our
market activation initiatives targeting SME businesses, entrepreneurs and
Institutions.
- Managing
relations by undertaking regular calls and visits to customers to ensure
effective relationship management and acting as the main contact
- Generation of
business reports
Key Skills and Competencies
- Bachelor’s
Degree or diploma in commerce, finance, business or related field
- Minimum of 2
years’ experience
- Proper and
organized documentation skills
- Attention to
detail
- Thorough
knowledge of bank’s products and services
- Excellent
interpersonal and networking skills, internally and externally
- Strong sales
and relationship building skills
Other Requirements
- Certificate of
good conduct
- Clean credit
history
Credit Risk Analyst
Reporting to:Credit
Manager.
The Credit Analyst is
responsible for gathering and analyzing credit information on current and
potential borrowers; determines the advisability of granting credit for
diversified types of loans; assists loan officers in writing loan requests; promotes
business for the Bank by maintaining good customer relations and referring
customers to appropriate staff for new services.
Key Roles and
Responsibilities
- Evaluating
Clients’ credit data and financial statements in order to determine the
degree of risk involved in lending money to them and enhance quality of
credit applications
- Preparing
reports on the degree of risk in lending money to clients and keeping
company credit exposures within set risk bearing limits
- Keeping
knowledge of key issues up-to-date (for example legal, market risk and
compliance issues)
- Evaluating the
financial status of clients by producing financial ratios and their
analysis and conferring with the credit associations and references to
exchange credit information on clients.
- To analyze
loan request summaries, records and using data to recommend payments plans
for loan applications before submitting the loan applications for
approval.
Key Skills and Competencies
- Degree in
Business or related field
- Minimum of 2
years’ experience in lending and credit analysis
- Knowledge of
Central Bank of Kenya Regulatory Rules and Microfinance act
- Strong
analytical skills
- Proper and
organized documentation skills
- Attention to
detail
Other Requirements
- Certificate of
good conduct
- Clean credit
history
Credit Officer
Reporting to:Business
Manager - lending
The Credit Officer is
responsible for managing the credit function of the business function
efficiently and effectively in order to ensure that it is a profitable line of
business and that the organization is not exposed to risks.
Key Roles and
Responsibilities
- Revenue
generation through growth of a high quality loan book
- Drive uptake
of the lending products
- Ensure proper
credit administration and loan recovery
- Developing and
maintaining relationships with strategic partners, potential &
existing clients with aim to increase and maintain the banks credit base.
- Reviewing and
analysing the client's credit risk status and giving a recommendation.
Key Skills and Competencies
- Degree or
diploma in commerce, finance, business or related field
- Minimum of 2
years’ experience in lending to small and medium enterprises
- Proper and
organized documentation skills
- Attention to
detail
- Thorough
knowledge of bank’s products and services
- Excellent
interpersonal and networking skills, internally and externally
- Strong sales
and relationship building skills
Other Requirements
- Certificate of
good conduct
- Clean credit
history
Head of Business
Reporting to: Chief Executive
Officer
As the Head of Business, you
will be responsible for managing the Business Development Department; build new
deposit, loan and channel businesses.
Supervision for this role
include supervising business line managers and business teams, these senior
role gives you additional responsibilities of a strategic nature.
Key Roles and
Responsibilities
- Develop and
adopt the bank’s business strategy in line with the changing business
environment
- Revenue
generation through asset acquisition, liabilities and alternate channels
- Managing
relationships through proper coordination of business development teams,
undertaking regular calls and visits to customers to ensure effective
relationship management
- Organizing and
coordinating marketing activations and branding initiatives that are
efficient and effective
- Formulating
the annual business development budget in compliance with the policy and
ethical, corporate governance framework and present it to the board for
approval
Key Skills and Competencies
- Bachelor’s
Degree in Business or related field, a master’s degree will be an added
advantage
Professional qualification
- Minimum of 5
years’ experience in business function in a CBK registered institution
- Knowledge of
Central Bank of Kenya Regulatory Rules
- Strong
analytical skills
- Proper and
organized documentation skills
- Attention to
detail
Other Requirements
- Certificate of
good conduct
- CBK clearance
- Clean credit
history
Business Manager - Channels
Reporting to: Head of Business
The Business Manager -
Channels is responsible for the growth of the Alternative Banking Services
through merchants and agency banking.
Key Roles and
Responsibilities
- Formulating
and implementing alternate business channels strategies for all customer
segments to achieve effective channel use, sales and customer satisfaction
targets.
- Proactively
identifying opportunities for business growth and revenues through
acquiring of agents and merchants.
- Respond to
queries from the Merchants, Internal customers and the CBK within the
agreed SLAs.
- Managing
relationships through Engaging and managing merchants, agency, vendors and
third party potential partner relationships through the product life
cycle.
- Driving and
managing cross selling of all retail products and services through the
alternative channels.
Key Skills and Competencies
- Degree in
business or related field
- Minimum of 2
years’ experience in acquiring business
- Knowledge of
Central Bank of Kenya Regulatory Rules
- Attention to
detail
- Thorough
knowledge of bank’s products and services
- Strong sales
and relationship building skills
Other Requirements
- Certificate of
good conduct
- Clean credit
history
Bancassurance Officer
Reporting to: Head of Business
The Bancassurance Officer is
responsible for insurance business growth and revenues through agency and
insurance premiums financing.
Key Roles and
Responsibilities
- Revenue
generation through growth of bancassurance business across and outside the
bank channels.
- Identify and
leverage potential business opportunities seeking necessary support from
the Head of Business and participating in all business growth initiatives
- Ensure all
collaterals and assets that have the Bank interest are properly and
comprehensively insured and the Bank’s interest properly noted.
- Managing
client relationships and partnerships whilst ensuring retention of
existing business relationships by ensuring high standards of customer
service
- Ensure
compliance with all regulatory and internal procedures in regard to
bancassurance business.
- Product
development and enhancement of existing ones based on market research and
provided customer feedback
- Ensure that
the Bank, customers and staff insurable assets insured under the branch
are renewed on time and that the premium is paid up.
Key Skills and Competencies
- Bachelor’s
degree in Insurance or related field
- Minimum of 2
years’ experience
- COP and ACII
or AIIK certification
- Strong
negotiating skills
- Good
Communication skills and excellent Customer service skills
- Accuracy and
attention to detail
- Ability to
work independently and deliver effective solutions within strict deadlines
- Ability to
develop working relationships with a wide range of people
- High integrity
levels and ability to treat all client information with utmost
confidentiality
Other Requirements
- Certificate of
good conduct
- Clean credit
reference
How to Apply
Qualified candidates should send their CV with a cover letter, contact details, 3 referees and expected remuneration tojobs@darajabank.co.ke clearly indicating the job title on the subject line.
Qualified candidates should send their CV with a cover letter, contact details, 3 referees and expected remuneration tojobs@darajabank.co.ke clearly indicating the job title on the subject line.
Closing date for the
applications will be 26th December, 2016.