RESPONSIBILITIES

• Monitoring credit risks for facilities under Grade 10 and Grade 20 to avert migration to NPL both at branch level and Regional Portfolio Management Office level.
• Ensure compliance of all projects for construction facilities to conditions precedent and milestones are achieved upto completion of the projects.
• Reviewing loan documentation, confirm compliance checks against KCB manuals, policies and statutory regulations before disbursement of construction funds and syndicated facilities.
• Manage the staff-on-exit portfolio by ensuring timely conversion to public terms and timely payments to minimize migration to NPL status as well as ensure staff and ex staff overdrawn accounts are promptly regularized.
• Ensure bank’s facilities are adequately secured upon completion of construction projects.
• Follow up on insurance renewals to achieve 100% compliance, with the Bank’s interest (KCB Kenya) duly noted in respect to the mortgage facilities under construction.
• Generate timely and analyze Management Information (MI) reports for effective portfolio control and comply with the regulatory reporting requirements.
• Ensure compliance to covenants for corporate portfolio and assist with resolution of covenant breaches within the stipulated Service Level Agreements (SLAs).
• Action on file maintenance reports on booked facilities to ensure data accuracy and enable early remedial action where discrepancies are identified.
• Maintain and update the deferrals register and the exceptions collaterals register for both Corporate and Mortgage portfolios.
• Approve the release of securities for corporate customers and performance bonds for staff upon successful completion of staff loan construction projects.
• Approve release of securities for corporate customers and performance bonds for staff upon payoff of facilities and successful completion of staff loan construction projects, respectively.

MINIMUM POSITION QUALIFICATION REQUIREMENTS

Academic & Professional

Education

• Bachelors’ Degree Any field RQ

Professional Qualification

• Business field AA
• Masters’ Degree MBA AA

Experience

• Total Minimum No of Years’ Experience Required 5 Years

Detail Minimum No of Years Need Type5

• Credit Administration including portfolio management 5 ES
• Data Analytics Tools Utilization (Excel, SQL, data analysis and IFRS 9) 3 ES
• Proficiency in use of core banking systems including T24, CQ and TAC  1ES
• People leadership skills including coaching; conflict management, delegation and cross functional collaboration 3 ES

Key Responsibilities:

Product Strategy & Lifecycle Management

• Define and execute the Retail product strategy in alignment with overall business objectives.
• Provide oversight of the end-to-end product lifecycle, from ideation to commercialization and retirement.
• Ensure products remain competitive, compliant, and responsive to evolving customer needs.

Research, Analysis & Innovation

• Lead market research, competitor analysis, and customer insights to inform product strategy.
• Identify innovation opportunities to reimagine customer engagement and enhance product relevance.
• Pilot new concepts and technologies to validate market potential and scalability.

Product Development & Commercialization

• Oversee the design, testing, and launch of new products and enhancements.
• Ensure effective go-to-market strategies, pricing, and positioning to drive adoption.
• Monitor performance of products post-launch and recommend refinements to maximize value.

Stakeholder Engagement & Collaboration

• Collaborate with internal teams (Digital, Marketing, Operations, Risk, Compliance, Legal) to deliver product initiatives.
• Build external partnerships with fintechs, industry players, and regulators to support product development.
• Promote cross-functional alignment to ensure timely and effective execution.

Governance, Risk & Compliance

• Ensure all products adhere to regulatory requirements, internal policies, and risk frameworks.
• Monitor emerging risks across the product portfolio and implement mitigation measures.
• Provide reporting and insights to senior leadership on product performance, risks, and opportunities.

Leadership & Capability Development

• Lead, mentor, and develop the Product Management team to strengthen execution capability.
• Foster a culture of innovation, accountability, and customer focus within the product function.
• Build capacity for continuous improvement and best practice adoption in product management.

The Ideal Candidate: Academic, Professional & Experience:

For the above position, the successful applicant should have the following:

• Bachelor’s degree from a recognized university
• Master’s degree (MBA or equivalent) will be an added advantage
• Professional qualification in Product Management, Banking, Marketing, or Management (e.g., CIM, CMI, CPM, ACIB) will be an added advantage
•  Project Management certification (PMP, PRINCE2, Agile) will be an added advantage
• 10 years’ minimum experience is required, together with the following essential experience:
  • 6 years’ experience in sales
  • 4 years’ experience in stakeholder management
  • 4 years’ experience in strategic planning
  • 4 years’ experience in team management
  • 4 years’ experience in product development
  • 2 years’ experience in project management

KEY RESPONSIBILITIES:

• Lead the development and execution of the diaspora banking strategy to drive business growth and profitability.
• Identify and develop new markets, partnerships, and commercial opportunities across the global diaspora segment.
• Design and deliver innovative, digitally enabled products and solutions tailored to diaspora customer needs.
• Leverage digital platforms and strategic partnerships to provide convenient, competitive, and scalable offerings.
• Drive growth in deposits, liabilities, and customer acquisition across the diaspora portfolio.
• Strengthen customer relationships through targeted engagement, service excellence, and tailored value propositions.
• Enhance the bank’s market positioning as the preferred financial partner for diaspora communities.
• Provide strategic leadership to the team by delivering direction, coaching, performance management, and fostering a high‑performance culture anchored in accountability, innovation, and customer focus.
• Monitor Global market trends, competitor activity, and customer insights to inform strategy and continuous improvement.
• 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

MINIMUM POSITION QUALIFICATION REQUIREMENTS

Academic & Professional

• Bachelor’s Degree in Business or any relevant field from a recognised Institution
• Professional Qualification – Project management or business field (Added Advantage)
• Master’s Degree in Business (Added Advantage)

Experience

• 6 years of working Experience
• 6 years of working experience in Sales
• 6 years of working experience in Customer Service
• 6 years of working experience in Credit
• 6 years of working experience in Relationship Management
• 5 years of working experience in Banking Operations

Main Duties & Responsibilities 

• Source New Business, expand and retain existing client relationships with a focus on global custody business, to increase market share and profitability.
• Ensure financial and business growth targets assigned are achieved.
• Ensure customer satisfaction, retention, and identification of repeat and new business opportunities.
• Responsible for managing designated portfolio of clients through continuous reviews and identification of client needs.
• Provide service to customers about account information, and queries raised.
• Facilitate problem resolution with specialized units.
• Contract review and negotiation with current and potential clients.
• Source and prepare tenders / presentations for potential business opportunities.
• Ensures all client KYC/AML documentation is up to date.
• Identify and manage the risks associated with global custody services business.
• Provide a service focused, knowledgeable and experienced point of contact for new and existing clients.
• Attend Client meetings, Annual General Meetings, new business pitches and make presentations as appropriate.
• Work closely with the Client investment committees and Fund secretaries to bolster good working relationship.
• Ensure that all Custody Reports are submitted to clients as per SLA timelines.
• Responsibility for resolution of audit matters for custody services clients.
• Ensure billing and collection of revenue for custody services rendered
• Maintain high level integrity and ethical standards – Uphold highest levels of integrity and ethical standards.

EDUCATION AND EXPERIENCE

• University Degree from a recognized institution.
• Capital Markets Program Certification (CISI) at least Level 1
• Trustee Development Program Certification (TDPK)
• Seven (7) years’ banking experience in the Financial/banking sector.
• 3 years working in bank operations.
• 5 years in Relationship Management in local/global Custody Services.
• 5 years stakeholder management skills.
• 3 years in Business Tender processing end to end.
• Excellent problem-solving.
• Excellent emotional intelligence skills
• Strong persuasion, management, and communication skills
• Strong organizational skills
• Creative approach, with the ability to anticipate challenges and develop innovative solutions

KEY RESPONSIBILITIES: 

• Define the bank’s digital payments, wealth and investments product portfolio strategy ensuring alignment to the division and the bank’s overall strategy to deliver set KPIs and seek peer and senior management alignment.
• Develop commercial models that directly impact top-line revenue and bottom-line operating costs while delivering best in class product experiences across our channels
• Coordinate the implementation of activities across assigned products in partnership with marketing and customer experience to drive customer engagement to grow NPS & reduce CES, grow product as per set KPIs
• Daily drive of the assigned digital payments, wealth and investments portfolio performance in partnership with other divisions to ensure customer uptake, usage of the products, reduction in attrition & churn and effective recovery of customers as well as consideration of regulatory requirements.
• Launch and scale payment features across mobile apps, wallets, and embedded platforms, ensuring seamless, secure and intuitive payment journeys with high adoption.
• Collaborate with partners e.g. fintechs, payment networks, etc. and internal teams to deliver integrated solutions.
• Liaise with the vendors & technology teams to ensure correct definition, implementation and documentation of product requirements for new products and customizations of existing to meet specific customer needs.
• Identify, document & implement changes for process improvement, in liaison with internal stakeholders from technology and other departments
• Interpret and analyze product performance, customer insights and market research data to evaluate ideas, suggestions and make recommendations to drive growth.
• Undertake coaching and mentoring for team members and provide leadership in execution of the division’s strategy

MINIMUM POSITION REQUIREMENTS:

• A Bachelor’s degree from a recognized university.
• Professional qualification in Product Management, Project Management, AGILE Practices, Digital Payments is required.
• At least six years in managerial experience in leading digital product management and managing teams, including specific experience in the following areas:
• Digital Payments, Wallets &/or investment product management or development
• Delivery/Management of Consumer products and services in a high growth environment
• Building relationship networks & Managing teams
• Project Delivery/ Management
• Experience in the sales of financial services is an added advantage.