KEY RESPONSIBILITIES:

• The role focuses on developing and delivering innovative, youth-centered financial products and services that align with market trends and evolving customer needs.
• It drives digital engagement and customer lifecycle initiatives to enhance acquisition, retention, and overall youth segment growth.
• Through market research and data analysis, the role identifies opportunities, informs proposition design, and supports business case development for new offerings.
• It oversees product commercialization by coordinating go-to-market strategies, marketing campaigns, and performance reviews to maximize impact.
• The role collaborates with internal teams and external partners to ensure timely, compliant, and effective delivery of youth banking initiatives.

DAILY RESPONSIBILITIES:

• Plan, design, and deliver youth-focused financial products and services in line with customer needs and market trends.
• Support the creation of reimagined digital engagement models to drive relevance and adoption.
• Translate insights into innovative solutions that strengthen the youth banking value proposition.
• Implement initiatives that improve acquisition, engagement, and retention across the youth segment.
• Monitor customer journeys and recommend enhancements to maximize lifetime value.
• Drive initiatives that strengthen brand affinity among youth customers.
• Conduct customer and market research to inform proposition design and positioning.
• Analyze behavioral and transactional data to identify gaps, opportunities, and emerging trends.
• Support business case development for new youth products and enhancements.
• Coordinate go-to-market planning and rollout of youth banking propositions.
• Partner with marketing and distribution teams to design and execute promotional campaigns.
• Monitor performance of launched products and recommend refinements to improve impact.
• Work with cross-functional teams (IT, Operations, Marketing, Risk) to deliver youth initiatives on time and within scope.
• Manage relationships with external partners, institutions, and digital platforms to enhance delivery.
• Ensure execution aligns with compliance, risk, and service standards

MINIMUM POSITION QUALIFICATION REQUIREMENTS

Academic & Professional

• Education     Bachelor’s Degree    Degree from a recognized university     RQ
• Professional Qualifications    Project management or business field         AA
• Master’s Degree    Business Administration         AA

Experience

• Total Minimum No of Years Experience in Youth Related  Required     7
• Proactive selling skills     7    RQ
• Credit Underwriting Skills    5    ES
• Customer Relationship management    7    ES
• Banking Operations    2    DE
• Business research and product development    4    AA
• Project management    2    AA

KEY RESPONSIBILITIES:

• Defines & executes the Oil & Gas MSME sector strategy in alignment with the Retail Division and overall MSME ecosystem agenda.
• Drives growth by analyzing market trends, identifying opportunities, and ensuring strategic alignment across internal stakeholders and delivery channels.
• Oversees and develops the Oil & Gas MSME team, ensuring appropriate resourcing, capability building, and high performance in delivering sector objectives.
• Collaborates with product, digital, and marketing teams to design and refine competitive sector-specific financial solutions that meet evolving customer needs.
• Ensures strong risk management and compliance with all regulatory, prudential, and operational standards relevant to the Oil & Gas MSME portfolio.
• Monitors financial performance, customer satisfaction, and market share to ensure sustainable growth and continuous improvement within the

DAILY RESPONSIBILITIES:

• Define and implement the Oil & Gas MSME sector strategy in alignment with the Retail Division and MSME ecosystem strategic agenda.
• Analyse sector trends, competitor activity and market opportunities to inform business decisions.
• Collaborate with internal stakeholders to align Oil & Gas MSME initiatives with organisational priorities and capabilities.
• Identify and drive human capital requirements for the Oil & Gas MSME portfolio.
• Support and guide sales and service teams in delivering the Oil & Gas MSME sector offering.
• Build and maintain strong relationships with Branch network and Digital teams to ensure seamless delivery of sector solutions.
• Develop, coach and retain a high-performing Oil & Gas MSME sector team.
• Identify training and development needs specific to Oil & Gas sector requirements and support targeted interventions.
• Collaborate with product and digital teams to co-create and refine MSME Oil & Gas sector products and solutions.
• Ensure product offerings are competitive and meet evolving sector needs, particularly in financing, cash management and digital solutions.
• Ensure all operational processes relevant to the Oil & Gas MSME sector (transaction, incident, problem and change management) are documented, updated and adhered to.
• Identify and proactively manage sector-specific risks, ensuring effective monitoring and timely corrective action.
• Ensure compliance with regulatory, Anti-Money Laundering, Sanctions, and prudential requirements for the Oil & Gas MSME sector.
• Build and enhance the Oil & Gas MSME sector value proposition, focusing on customer experience and service differentiation.
• Drive customer migration to optimal channels, supporting efficiency and customer convenience.
• Implement sector-specific customer retention initiatives and monitor performance.
• Track and enhance customer satisfaction and sector market share.
• Develop and manage the Oil & Gas MSME sector budget and financial targets.
• Monitor sector financial performance, identify variances, and drive corrective action where necessary.
• Ensure timely reporting on sector performance, highlighting key trends and insights.

MINIMUM POSITION QUALIFICATION REQUIREMENTS

Academic & Professional

• Education     Bachelor’s Degree    Degree from a recognized university     RQ
• Professional Qualifications    Project management or business field         AA
• Master’s Degree    Business Administration         AA

Experience

• Total Minimum No of Years Experience Required    7
• Proactive selling skills in oil and gas industry or relevant     7    RQ
• Credit Underwriting Skills    5    ES
• Customer Relationship management    7    ES
• Banking Operations    2    DE
• Business research and product development    4    AA
• Project management    2    AA

KEY RESPONSIBILITIES:

Segment Growth & Business Development

• Implement strategies to expand the self-help groups portfolio in alignment with Retail Banking goals.
• Drive acquisition, retention, and cross-sell initiatives to achieve growth and profitability targets.
• Monitor portfolio performance and recommend tactical actions to sustain momentum.

 Proposition Development & Portfolio Management

• Design and deliver products and services that address the financial needs of self-help groups.
• Enhance offerings to support credit, savings, and investment requirements.
• Track and report on portfolio trends, ensuring solutions remain competitive and relevant.

Customer & Stakeholder Engagement

• Build and maintain strong relationships with self-help groups, community organizations, and partners.
• Act as a liaison to ensure responsive solutions and superior service delivery.
• Support outreach and community engagement initiatives to strengthen visibility and trust.

Risk & Compliance Management

• Ensure all self-help group activities comply with regulatory standards and internal risk frameworks.
• Identify and mitigate risks related to lending, group governance, and operational processes.
• Promote strong governance practices within self-help group engagements.

MINIMUM POSITION QUALIFICATION REQUIREMENTS

• Bachelor’s degree in business or any relevant degree.
• 10 years’ work experience, with at least:
• 10 years’ experience in Sales(essential).
• 8 years’ experience in Microfinance(essential).
• 7 years’ experience in Credit Appraisal(essential).
• 7 years’ experience Portfolio Management(essential).
• 10 years’ experience General banking(desired)
• 6 years’ experience in Product Development(desired)
• 6 years’ experience in Customer care/Relationship Management(essential).
• 5 years’ experience in People Management
• 7 years’ experience in Performance Management(essential).

KEY RESPONSIBILITIES: 

• Develop innovative Clean Energy & Green lending segment products and services in liaison with Senior Manager Oil & Gas and other stakeholders including technology driven solutions based on quantified customer needs and industry trends.
• Grow the market share in the Clean Energy & Green lending segment by building and maintaining an effective sales plan in the Clean Energy & Green lending sector that will grow existing and new business based on agreed targets.
• Develop appropriate plans, project concepts and proposals that will enhance and grow the banks partnerships within the Clean Energy & Green lending segment.
• Build a Clean Energy & Green lending segment asset portfolio as per the set targets and maintain portfolio quality within acceptable credit risk exposure as per international standards.
• Monitor, understand and highlight competitor activity and customer trends that affect Clean Energy & Green lending segment and identify opportunities for new products development.
• Prepare comprehensive communication, training on Clean Energy & Green lending segment products/ services, brand and promotional campaigns.
• Create brand internalization through training programs and support to the bank staff and sales teams to enhance product knowledge of the Clean Energy & Green lending segment products with an aim of increasing product uptake.
• Evaluate, Monitor and co-ordinate project Implementation.
• Motivate, coach and develop a high performing team.
• Enterprise-wide Risk Management; -Adherence to Standard Operating Procedures (SOPS), Anti-Money Laundering (AML), Credit policy prudential guidelines, combating the Financing of Terrorism (CFT) and Know Your Customer (KYC) procedures to mitigate against losses, frauds, forgeries, and regulatory penalties’.

Academic & Professional

Education  

• Bachelors Degree    Business related field or any other field    RQ
• Masters Degree    Any Field    AA

Experience

Detail    Minimum No of Years    Need Type[1]

• Proactive selling skills    6    ES
• Credit Underwriting Skills    5    ES
• Customer Relationship management    6    ES
• Banking Operations    3    DE

KEY RESPONSIBILITIES:

• Defines & executes the Faith Based Organizations FBO, NGO & MSME sector strategy in alignment with the Retail Division and overall MSME ecosystem agenda.
• Drives growth by analyzing market trends, identifying opportunities, and ensuring strategic alignment across internal stakeholders and delivery channels.
• Oversees and develops the Faith Based Organizations (FBO) MSME team, ensuring appropriate resourcing, capability building, and high performance in delivering sector objectives.
• Collaborates with product, digital, and marketing teams to design and refine competitive sector-specific financial solutions that meet evolving customer needs.
• Faith Based Organizations (FBO).
• Monitors financial performance, customer satisfaction, and market share to ensure sustainable growth and continuous improvement within the
• Enterprise-wide Risk Management; -Adherence to Standard Operating Procedures (SOPS), Anti-Money Laundering (AML), Credit policy prudential guidelines, combating the Financing of Terrorism (CFT) and Know Your Customer (KYC) procedures to mitigate against losses, frauds, forgeries, and regulatory penalties’ relevant to the Faith Based Organizations (FBO) MSME portfolio.

MINIMUM POSITION QUALIFICATION REQUIREMENTS

• Bachelor’s degree in business or any relevant degree.
• Master’s degree in business administration is an added advantage.
• Professional qualifications in Project management or business field is an added advantage.
• 8 years’ work experience, with at least:
• 7 years’ experience in Proactive selling skills (essential).
• 5 years’ experience in Credit Underwriting Skills(essential).
• 5 years’ experience in Customer Relationship management(essential).
• 3 years’ experience in Banking Operations (desired).
• 4 years’ experience in Business research and product development (added advantage).
• 2 years’ experience in Project management (added advantage).

KEY RESPONSIBILITIES:

Partnership Strategy & Execution

• Develop and implement partnership strategies aligned with Retail Banking objectives.
• Identify, evaluate, and prioritize partnership opportunities that create business value.
• Execute partnership initiatives to deliver measurable growth and customer impact.

Business Development & Growth

• Drive acquisition of new customers and revenue streams through strategic alliances.
• Negotiate and structure partnership agreements that optimize commercial and operational outcomes.
• Monitor performance of partnerships and recommend improvements to maximize value.

Stakeholder & Relationship Management

• Build and maintain strong relationships with key partners, institutions, and stakeholders.
• Act as the primary liaison between the bank and its strategic partners.
• Ensure seamless coordination across internal teams to deliver partnership commitments.

 Innovation & Market Expansion

• Leverage partnerships to introduce innovative solutions and expand into new markets.
• Support the development of digital and lifestyle propositions through collaborations.
• Track industry trends and competitor activities to identify emerging opportunities.

Risk & Compliance Management

• Ensure all partnership activities comply with internal policies, contractual obligations, and regulatory requirements.
• Proactively identify risks related to partnerships and develop mitigation strategies.
• Monitor governance structures to safeguard the bank’s interests in external collaborations.

MINIMUM POSITION QUALIFICATION REQUIREMENTS

• Bachelor’s degree in business or any relevant degree.
• 10 years’ work experience, with at least:
• 10 years of experience in Sales (Essential)
• 8 years of experience in Microfinance (Essential)
• 7 years of experience in Credit Appraisal (Essential)
• 7 years of experience in Portfolio Management (Essential)
• 10 years of experience in General Banking (Desired)
• 6 years of experience in Product Development (Desired)
• 6 years of experience in Customer care/Relationship Management (Essential)
• 7 years of experience in People Management (Essential)
• 7 years of experience in Performance Management (Essential)
• 2 years of experience in Partnership Management (Desired)

KEY RESPONSIBILITIES:

• The role leads the development and execution of the FMCG MSME sector strategy, ensuring alignment with overall retail and MSME business objectives.
• It identifies market opportunities through continuous monitoring of sector trends and drives initiatives that enhance growth and competitiveness.
• The role oversees the Healthcare MSME team, ensuring effective resourcing, capability building, and collaboration across Branch and Digital channels.
• It partners with product and innovation teams to design sector-specific financial solutions, including tailored lending and payment tools.
• The role ensures full compliance with regulatory, operational, and risk management requirements within the FMCG MSME portfolio.
• It monitors financial performance, customer satisfaction, and retention metrics to sustain growth and strengthen the FMCG MSME value proposition

MINIMUM POSITION QUALIFICATION REQUIREMENTS

Academic & Professional

• Education     Bachelor’s Degree     Degree from a recognized university     RQ
• Professional Qualifications    Project management or business field         AA
• Master’s Degree    Business Administration         AA

Experience

Total Minimum No of Years Experience in related field is Required    7

• Proactive selling skills    7    RQ
• Credit Underwriting Skills    5    ES
• Customer Relationship management    7    ES
• Banking Operations    2    DE
• Business research and product development    4    AA
• Project management    2    AA

KEY RESPONSIBILITIES:

• Defines & executes the Agriculture MSME sector strategy in alignment with the Retail Division and overall MSME ecosystem agenda.
• Drives growth by analyzing market trends, identifying opportunities, and ensuring strategic alignment across internal stakeholders and delivery channels.
• Oversees and develops the Agriculture MSME team, ensuring appropriate resourcing, capability building, and high performance in delivering sector objectives.
• Collaborates with product, digital, and marketing teams to design and refine competitive sector-specific financial solutions that meet evolving customer needs.
• Ensures strong risk management and compliance with all regulatory, prudential, and operational standards relevant to the Agriculture MSME portfolio.
• Monitors financial performance, customer satisfaction, and market share to ensure sustainable growth and continuous improvement within the

DAILY RESPONSIBILITIES:

• Define and implement the Agriculture MSME sector strategy in alignment with the Retail Division and MSME ecosystem strategic agenda.
• Analyse sector trends, competitor activity and market opportunities to inform business decisions.
• Collaborate with internal stakeholders to align Agriculture MSME initiatives with organisational priorities and capabilities.
• Identify and drive human capital requirements for the Agriculture MSME portfolio.
• Support and guide sales and service teams in delivering the Agriculture MSME sector offering.
• Build and maintain strong relationships with Branch network and Digital teams to ensure seamless delivery of sector solutions.
• Develop, coach and retain a high-performing Agriculture MSME sector team.
• Identify training and development needs specific to Agriculture sector requirements and support targeted interventions.
• Collaborate with product and digital teams to co-create and refine MSME Agriculture sector products and solutions.
• Ensure product offerings are competitive and meet evolving sector needs, particularly in financing, cash management and digital solutions.
• Ensure all operational processes relevant to the Agriculture MSME sector (transaction, incident, problem and change management) are documented, updated and adhered to.
• Identify and proactively manage sector-specific risks, ensuring effective monitoring and timely corrective action.
• Ensure compliance with regulatory, Anti-Money Laundering, Sanctions, and prudential requirements for the Agriculture MSME sector.
• Build and enhance the Agriculture MSME sector value proposition, focusing on customer experience and service differentiation.
• Drive customer migration to optimal channels, supporting efficiency and customer convenience.
• Implement sector-specific customer retention initiatives and monitor performance.
• Track and enhance customer satisfaction and sector market share.
• Develop and manage the Agriculture MSME sector budget and financial targets.
• Monitor sector financial performance, identify variances, and drive corrective action where necessary.
• Ensure timely reporting on sector performance, highlighting key trends and insights.

MINIMUM POSITION QUALIFICATION REQUIREMENTS

Academic & Professional

• Education     Bachelor’s Degree    Degree from a recognized university     RQ
• Professional Qualifications    Project management or business field         AA
• Master’s Degree    Business Administration OR related field          AA

Experience

Total Minimum No of Years Experience Required    7

• Proactive selling skills in agriculture or related field     7    RQ
• Credit Underwriting Skills    5    ES
• Customer Relationship management    7    ES
• Banking Operations    2    DE
• Business research and product development    4    AA
• Project management    2    AA

KEY RESPONSIBILITIES:

• The role leads the development and execution of the Education Institutions MSME sector strategy, ensuring alignment with overall retail and MSME business objectives.
• It identifies market opportunities through continuous monitoring of sector trends and drives initiatives that enhance growth and competitiveness.
• The role oversees the Education Institutions MSME team, ensuring effective resourcing, capability building, and collaboration across Branch and Digital channels.
• It partners with product and innovation teams to design sector-specific financial solutions, including tailored lending and payment tools.
• The role ensures full compliance with regulatory, operational, and risk management requirements within the Education Institutions MSME portfolio.
• It monitors financial performance, customer satisfaction, and retention metrics to sustain growth and strengthen the Education Institutions MSME value proposition

DAILY RESPONSIBILITIES:

• Develop and implement the Education Institutions MSME sector strategy.
• Monitor sector trends and identify business development opportunities.
• Ensure appropriate resourcing and development of Education Institutions MSME teams.
• Support cross-functional collaboration with Branches and Digital.
• Coach and build a capable, motivated team with sector knowledge.
• Collaborate on MSME Education Institutions products and solutions development, including sector-specific lending and payments tools.
• Ensure adherence to compliance, operational, and risk management requirements specific to Education Institutions MSME.
• Shape the Education Institutions MSME customer value proposition and retention strategies.
• Improve service delivery and customer satisfaction.
• Set, monitor and report on Education Institutions MSME financial targets.

MINIMUM POSITION QUALIFICATION REQUIREMENTS

Academic & Professional

• Education     Bachelor’s Degree    Degree from a regrecognized university     RQ
• Professional Qualifications    Project management or business field         AA
• Master’s Degree    Business Administration Or related          AA

Experience

• Total Minimum No of Years Experience Required    7
• Proactive selling skills in education or related field     7    RQ
• Credit Underwriting Skills    5    ES
• Customer Relationship management    7    ES
• Banking Operations    2    DE
• Business research and product development    4    AA
• Project management    2    AA

KEY RESPONSIBILITIES:

• The role leads the development and execution of the Healthcare MSME sector strategy, ensuring alignment with overall retail and MSME business objectives.
• It identifies market opportunities through continuous monitoring of sector trends and drives initiatives that enhance growth and competitiveness.
• The role oversees the Healthcare MSME team, ensuring effective resourcing, capability building, and collaboration across Branch and Digital channels.
• It partners with product and innovation teams to design sector-specific financial solutions, including tailored lending and payment tools.
• The role ensures full compliance with regulatory, operational, and risk management requirements within the Healthcare MSME portfolio.
• It monitors financial performance, customer satisfaction, and retention metrics to sustain growth and strengthen the Healthcare MSME value proposition

DAILY RESPONSIBILITIES:

• Define Healthcare MSME strategy, aligned to Retail and MSME ecosystem direction.
• Identify opportunities and market trends in Healthcare MSMEs.
• Develop, motivate and manage Healthcare MSME team resources.
• Drive collaboration across the value chain for Healthcare clients.
• Collaborate on Healthcare MSME products that address sector-specific needs.
• Risk, Regulatory, Prudential & Compliance
• Oversee Healthcare MSME sector compliance, risk and regulatory adherence.
• Client
• Build Healthcare MSME value propositions and customer experience strategies.
• Ensure high service satisfaction and strong customer retention.
• Manage Healthcare MSME sector financial targets and performance reporting.

MINIMUM POSITION QUALIFICATION REQUIREMENTS

Academic & Professional

• Education     Bachelor’s Degree    Degree from a regrecognized university     RQ
• Professional Qualifications    Project management or business field         AA
• Master’s Degree    Business Administration Or related          AA

Total Minimum No of Years Experience Required    7

• Proactive selling skills in healthcare or related field     7    RQ
• Credit Underwriting Skills    5    ES
• Customer Relationship management    7    ES
• Banking Operations    2    DE
• Business research and product development    4    AA
• Project management    2    AA