Massive Recruitment at Rafiki Housing Kenya

Assistant Relationship Manager - Housing 

  
Reporting to: General Manager

The job holder will spearhead the growth and quality loan portfolio of housing microfinance products by ensuring appraisal of all credit facilities for risk identification and management, administration of the Lending Policy and the production of management reports.

Key Accountabilities

• Manage the credit appraisal process and participate in the approval within the delegated limits
• Active participation in the improvement of the credit process and its effectiveness
• Review and appraise credit applications to ensure compliance with policies and procedures
• Provide support to the Business Development Team in development of risk related products
• Ensure the preparation of loan approval documentation and management reports for decision making.
• Provide leadership and direction to the Credit Team
• Own the housing microfinance products and support the business development team towards meeting the set targets through accurate robust processing of housing Finance mortgage applications.
• Be responsible for maintaining Mortgage Finance Loan records for cases presented for approval
• Adhere to the DTM’s  service standards and deliver world-class customer service to internal and external customers
• Analysis of the various applications and constituting the lending committee.
• Follow up with the lawyers in term of registration and charging
• Ensure the Mortgage Loan application process is adhered to and all the requisite documents are attached
• Be aware of the Credit Policy and do a ‘diligence’ check, vet the applications and forward/submit only those that merit consideration
• Ensuring all lending covenants are incorporated in the respective facility letters
• Evaluating the quality of loans, assigning risk-ratings and ensuring compliance

Minimum requirements:

• Must have a university degree in a relevant field with CPA (K). AKIB/ACIB would be an added advantage
• At least 5 years experience in general banking or in a financial institution;  2 of which are in a lending function
• High data rationality, detail consciousness with high analytical and numerical skills
• Ability to interpret financial and legal documents
• Excellent Computer skills
• A good knowledge of the Banking Act
• A good knowledge of the mortgage market.

Assistant Relationship Manager - Agri Business     

Reporting to: General Manager

The job holder will be responsible for the growth of market share and profitability of the Agribusiness segment through product development and execution of the Agribusiness strategy of Rafiki DTM.

Key Accountabilities

• To develop and implement Agribusiness strategy for banking small holder farmers involved in commercially viable agriculture activities.
• Develop annual plans for the business in-order to build a profitable asset portfolio and deposits from agribusiness sector of small holder farmers.
• Grow and Maintain market share for assets and Liabilities in the Agribusiness Banking segment through innovative product development of the Agribusiness products and solutions for acceptable and commercially viable value chains.
• Analyze the market trends in the agriculture sector and competitively position the DTM product offering for the agriculture sector.
• Develop and maintain strong relationships with stakeholders in the agriculture sector and actors for various value chains in order to tap in on banking opportunities.
• Drive cross-selling of agribusiness products to existing and new Rafiki customers

Minimum requirements:

• Holder of a University Degree in a Business Related or Agriculture field from a recognized institution.
• Those with an MBA, CIM or (MSK/Agribusiness certification) will have an added advantage.
• 2 – 4 years proven experience in the agriculture sector.
• At least 2 years experience in a financial institution covering sales, relationship and credit management.
• A thorough knowledge of Agribusiness products and Banking Industry knowledge.
• Excellent high quality interpersonal, communication and negotiation skills with the ability to network and develop strong business relations
• Excellent planning, organization, problem solving and analytical skills.

Key Competence

• Strong numerical ability
• Good listening and communication skills
• Customer service orientation
• Accuracy and attention to detail
• Problem solving
• Honesty and integrity
• Judgment
• Stress tolerance
• Adaptability
• Team player with excellent interpersonal and communication skills

Bank Teller    

General Purpose

The job holder will be responsible for accurate and efficient process and record of routine transactions for DTM’s customers including cashing checks, accepting deposits and withdrawals, processing loan payments and money transfers. 

Promote and advise on the bank's products and services.

Key Accountabilities

• Accurately and efficiently make cash payments in a way that maximizes customer satisfaction, meeting daily transaction targets
• Preparing cash for repatriation
• Balance currency, coin, and cheques in cash drawers and calculate daily transactions
• Cash cheques and pay out money after verifying that signatures are correct, that written and numerical amounts agree, and that accounts have sufficient funds.
• Receive cheques and cash for deposit, verify amounts and authenticity of currency, and check accuracy of deposit slips. Examine cheques for endorsements and to verify other information such as dates, bank names, identification of the persons receiving payments and the legality of the documents.
• Post customers' transactions in order to record transactions and issue duly stamped receipts for the same and ensure daily balancing
• Arrange monies received in cash boxes and coin dispensers according to denomination.
• Batching together all entries and filing them.
• Ensuring at close of the day the cash tallies to the system balances.
• Cross-selling
• Receiving of outward and in-house cheques

Minimum requirements:

• First degree preferably in a business or finance related field
• KCSE mean grade C+ (plus), with a C+ (plus) in both Mathematics and English
• Fluency in English and Kiswahili language
• Preferably below 28 years of age
• Computer proficient

Key Competence

• Strong numerical ability
• Good listening and communication skills
• Customer service orientation
• Accuracy and attention to detail
• Problem solving
• Honesty and integrity
• Judgment
• Stress tolerance
• Adaptability
• Team player with excellent interpersonal and communication skills

Business Development Managers (Branch Managers)   

  
Reporting to: General Manager

The job holder will be responsible for the administration and efficient daily operation of a full service branch office, including operations, lending, product sales, customer service, and security and safety in accordance with the DTM's objectives.

Key Accountabilities

Develops new deposit and loan business; provides a superior level of customer relations and promotes the sales and service culture through coaching, guidance and staff motivation; achieves individual and branch sales goals through new business sales, referrals and retention of account relationships.

Responsible for attaining established DTM and branch goals through active participation in sales management and officer call programs.

Lead in organizing community affairs to increase the DTM's visibility and to enhance new and existing business opportunities.

Job Duties:

• Assess local market conditions, identify current and prospective sales opportunities and develop forecasts, financial objectives and business plans for the branch
• Develop and implement sales and profitability plans according to account management principles that ensure the development and maintenance of account plans
• Direct all operational aspects of the branch to include distribution operations, customer service, human resources, administration and sales in a manner that supports reaching the profitability goals.
• Ensure that all areas of work performance or departments are properly staffed and directed
• Provide training, coaching, development and motivation to bring out the best in each distribution team member
• Take on the responsibility for the orientation of all new employees
• Take on the responsibility for evaluation of all employees
• Oversee branch financial management
• Recommend desirable changes in the policies and goals of the branch and the organization
• Assist general manager in developing branch and organizational objectives, and also in formulating policies and budgets
• Communicate effectively with other branches and senior managers by sharing information on effective practices, competitive intelligence, business opportunities and needs
• Address customer and employee satisfaction issues promptly
• Cooperate fully with the Credit Department in extending and enforcing credit policy
• Manage the branch honestly, follow high ethical standards, and comply with all government regulations
• Ensure the safekeeping of company assets, including structures, equipment, inventory and cash
• Maintain and enforce human resource policies
• Select, promote and discharge employees within the branch in accordance with basic personnel policy
• Evaluate regularly the effectiveness of the branch operation, to see that policies are being observed and that goals are being attained
• Take prompt corrective action as needed
• Participate actively in community, business and industry organizations to build a network of contacts that improve the presence and reputation of the branch and company in the local area
• Achieve the profitability goals/objectives of the division/branch and organization
• Maintain proficiency in computerized systems and other technologies as required.
• Increase personal knowledge and expertise in business, appropriate technology, etc.
• Follow company policies and procedures
• Other duties as assigned

Job Requirements:

• Problem-solving and analytical ability
• Motivated self-starter, comfortable in fast-paced environment
• Demonstrated integrity and ethical standards
• Professional demeanor
• Experience monitoring marketplace to identify business opportunities
• Technical expertise and knowledge of company products
• Effective listening, communication (verbal and written), and negotiating skills
• Strong leadership, motivation and managerial skills
• Judgment and decision-making ability
• Manages time effectively and adapts quickly to changing priorities
• Team player who works productively with wide range of people
• Proven history of profit and loss management to maximize financial performance
• Demonstrated competency hiring, developing and evaluating employees to achieve corporate and personal objectives
• Demonstrated understanding and application of effective selling strategies and techniques
• Strong project management and multi-tasking skills
• Superior organizational skills
• Experience developing and implementing business plans and goals
• Demonstrated success managing inventory, including auditing, forecasting and planning
• Proven history developing and implementing incentive plans to increase sales and improve profitability
• Experience developing and implementing strategic sourcing
• Demonstrated competency in budgeting, forecasting and planning

Education: Bachelor’s or Masters Degree in related field

Experience: Minimum 3 -  5 years in similar position

Customer Service Manager        
 

Job Summary

The job-holder will be responsible for standardizing customer service and experience across the DTM network to ensure that the team offers top level, prompt, courteous and efficient service to customers, achieving exhilarating customer experiences.

Key Duties and Responsibilities

• Develop customer service standards and devise ways to measure and monitor the same.
• Oversee the achievement and maintenance of agreed customer service levels and standards
• Implement the standards DTM wide.
• Coordinate with other support departments to ensure facilitation of service delivery and implement growth strategies.
• Analyze relevant data to determine customer service outputs
• Identify and implement strategies to improve quality of service, productivity and profitability
• Co-ordinate and manage customer service projects and initiatives
• Evaluate and performance and  management of  staff
• Identify and address staff training and coaching needs
• Conduct customer service audits.
• Coordinate the complaint handling process.
• Track customer complaint resolution
• Handle complex and escalated customer service issues
• Monitor accuracy of reporting and data base information

Qualifications

• Bachelor’s degree in a business related field.
• At least 5 years’ experience in handling customer Service at a managerial/supervisory level.
• Good knowledge of Bank Operations and Audit will be an added advantage.

Key Competencies

Personal attributes & skills required in undertaking the role:

• Should be able to foster and imbibe excellent service values to all relevant staff.
• Excellent communication and presentation skills.
• Leadership Skills. Socially Confident - at ease with meeting people, knows what to say and is quick to establish rapport.
• Quick thinker - is able to think on their feet.
• Resilient – emotionally restrained, rarely upset by criticism.
• Optimistic – able to keep spirits up despite setbacks.
• Innovative – generates ideas, shows ingenuity, and thinks up solutions.
• Achievement/ results orientated - Needs to do well, enjoys challenges, and is strongly motivated to achieve impressive results.
• Assertive - will put forward an idea or view despite opposition and without violating rights of others
• Affiliative – shares with and consults others, enjoys working in a collaborative context.

Relationship Manager, Credit - Branch        

Job Summary

The job holder will be responsible for the growth and quality of loan portfolio for the branch by ensuring proper loan appraisal, effective monitoring and aggressively follow up accounts in arrears.

Responsibilities

• Assist the relationship team to drive, develop and acquire new business to meet business targets Monitor the assigned portfolio and mitigate any risks by performing credit analytics and maintaining client contact.
• Assist team members to handle the team's portfolio.
• Prepare quality credit proposals with input from the Credit officers and perform financial analysis to senior management to facilitate credit assessment and approval.
• Monitoring the credit quality and business trend of clients and reporting any material changes in timely manner to avoid credit loss.
• Visit/meet customers when required in order to achieve a clear understanding of credit risks.
• Work with other stakeholders such as the Business Development Managers/Marketing/ and Operations to achieve agreed targets.
• Ensure that the approval procedures, standards of credit and maintenance, conform to controls/procedures established by head of credit for the business.
• Ensure compliance with DTM’s policy and to ensure that DTM’s policy breaches are properly authorized at the correct senior approving level.
• Mitigate risk and highlight early warning signs of credit deterioration.
• Loan disbursements and deposit mobilization that meet defined growth and quality targets.
• Preparation of periodic performance reports.
• Responsible for collating information on clients.
• Maintain quality portfolio by ensuring proper loan appraisal, effective monitoring and aggressively follow up accounts in arrears.
• To participate in Performance Management and career development of staff within the department.

Qualifications and experience:

• Have a bachelor’s degree in a business related field.
• A diploma in microfinance will be an added advantage
• Post graduate Diploma in Micro Finance and or Certified Credit Management will be an added advantage Have good knowledge of the micro-finance industry and practices.
• Have knowledge in credit management.
• At least two (2) years experience in a similar or related position, preferably in the financial sector.
• Proficiency in computer skills.

Competence/Attributes

• Credit analysis skills.
• Good problem solving skills
• Good negotiation skills
• Excellent communication and interpersonal skills

Senior Relationship Manager, Liabilities    

Job Summary

Reporting to the General Manager the job-holder will grow business for liabilities accounts in the public, private, institutional and civil society sectors and ensure retention and effective business growth through impeccable relationship management.

Key Duties and Responsibilities

• Develop cost effective, long term liability business with companies and organizations of repute in order to ensure DTM’s maximum profitability through aggressive calling programmes, quality proposals, outstanding presentations and active participation in sector forums and activities.
• Cross-sell other products of the DTM to the managed relationships so as to gain full control of clients’ business wallet for maximised return to the DTM and value-adding solutions to the customer
• Employ proactive relationship management and effective customer service for full retention of existing client business
• Develop customised and innovative products for particular customer segments that meet and exceed customer expectations /needs while maximising the DTM’s profitability
• Keep constant close touch with the clients, key business influencers in the market to keep abreast of developments in the market.
• Ensure compliance to Know Your Customer (KYC) and Anti money Laundering (AML) requirements in all dealings with existing and potential customers.
• To participate in Performance Management and Career Development of staff within the Department.

Minimum Requirements

• Bachelor’s degree in a business-related field
• AKIB/ACIB/MBA will be an added advantage
• A minimum of four (4) years experience preferably in a sales function
• Formal training in lending/relationship management

Personal Attributes & Skills required in undertaking the role

• Good knowledge of the Kenyan/Global micro & macro economics as well as financial systems
• Strong analytical and problem-solving skills
• Excellent selling and negotiation skills
• Excellent interpersonal and networking skills
• Excellent communication and presentation skills
• Willingness to work anywhere in the country

Relationship Officers - Credit (Credit Officer)     

Reporting functionally to the Credit Manager and administratively to the Business Development Manager the holder of this position will among others be responsible for:

Job Summary

The Job holder will be responsible for developing and maintaining a quality loan portfolio at the respective branch and to administer other services.

Duties and Responsibilities

• Develop marketing and work plan for the establishment of solid clientele base.
• Identify and sensitize the potential clients in the respective are of operation.
• Coordinating the loan processing activity at the branch.
• Appraising and advising members on loan eligibility.
• Advising members on loan approval status.
• Ensuring completeness of loan application forms and adequacy of information provided.
• Ensuring compliance of loan procedures as per the legal requirements.
• Generating periodical loan reports for the branch as may be required.
• Advising on the adequacy of the loan appraisal tools available.
• Make recommendations on improvement of products to branch management.
• Follow up to recover both external and internal arrears.
• Take individual action as per policy to recover delinquent loans.
• Maintain the company standard customer service in all the DTM’s customers
• Cross Selling

Qualifications

• KCSE Grade B-.
• Bachelors’ degree in Business related field.
• Post graduate Diploma in Micro Finance and or Certified Credit Management will be an added advantage.
• Proficiency in computer skills.
• 2years relevant experience, preferably in the financial sector.

Competence/Attributes

• Credit analysis skills.
• Good problem solving skills
• Good negotiation skills
• Excellent communication and interpersonal skills

Senior Product Development Officer   

 
Reporting to: Marketing Manager

This job holder will spearhead the product development process for the DTM, by overseeing coordination of the concept, research and develop goals that meet the profitability levels by working with all the stake holders and make sure the idea of the product is developed to the satisfaction of the company.

Key Accountabilities

• The development and introduction of new products or enhancing of existing products. Participates in evaluating results and developing alternative approaches when plans are not achieving objectives.
• To conduct market and competitive analysis, balancing competitive pricing with profitability and recommending courses of action to take advantage of market opportunities.
• Actively monitor the environment and quarterly develop DTM’s products including e-products to meet the needs of the DTM market.
• Participating in development and implementation of specialty product plans to meet annual profit goals.
• Preparing reports on forecasting and performance results of product plans.
• Communicating results with Executives and members of Management Board as requested.
• To continuously evaluate the changing trends in customer expectations and design and package DTM’s products accordingly
• Work closely with Business Development Department, supporting implementation of strategic plans for entry into new markets.
• Work with stakeholders to determine business needs and priority and to ensure new products and enhancements are consistent with our business strategy.
• Researching, analysing and ensuring regulatory compliance covering new and existing products.
• Coordinating and communicating changes in product plans. Supporting other marketing functions, agencies, and business development officers in plan rollouts.
• Work closely with all areas impacted by product plans to ensure achievement of consumer product objectively
• To participate in Performance Management and Career Development of staff within the Department.

Qualifications and competencies

• A minimum of a Business related degree from a recognized University
• A Masters degree will be an added advantage
• A relevant professional qualification including CIM,AKIB,ACIB
• At least Five (4) years in a busy and relevant environment, a financial institution would be a plus
• At least Two (2)years in a managerial / supervisory position
• Be a self-starter, highly motivated and a team player
• Be creative and innovative
• Have sound analytical and negotiation skills
• Should have strong presentation, interpersonal and communication skills
• Must be a good listener with excellent customer relation skills
• Must be a good problem solver with strong decision making skills
• Ability to plan, organize and prioritize (ability to work within strict deadlines)

Personal Attributes & Skills required in undertaking the role

• Good knowledge of the Kenyan/Global micro & macro economics as well as financial systems
• Strong analytical and problem-solving skills
• Excellent selling and negotiation skills
• Excellent interpersonal and networking skills
• Excellent communication and presentation skills
• Willingness to work anywhere in the country

All applicants must apply online to the email hr@rafiki.co.ke closing date is 1st March 2013. 

Canvassing will automatically disqualify the candidate. 

Only shortlisted candidates will be contacted. “We are an equal opportunity employer”.