The new NCBA has harnessed the power of both NIC and CBA to create a bank that brings together the best of both worlds from cutting edge mobile banking to good old-fashioned relationship management; from scalable business banking to financial services that grow as your business does; from best-in-class choice of products to investment solutions tailored to your specific needs.
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Job Purpose Statement

The role holder is required to achieve customer growth, monitoring and compliance, client satisfaction and retention management for corporate banking division through collaborative account management and delivering reports with the sectors Assistant Relationship Managers and Relationship Managers and other stakeholders in the organisation.

The role shall support the sector by ensuring that all promises made to all stakeholders in the department are fulfilled. The role holder shall coordinate the preparation and compilation of relevant reports with follow ups for closure.

cademic:

Bachelor’s degree in a business-related field from a recognized accredited university.
Professional

CPA qualification is an advantage
Desired work experience:

At least 1-2 years’ experience in a similar role in a similar sized organisation.
Proven track record of consistently achieving a portfolio’s financial growth and analysis (Sales/Business Development / Credit Analysis background) will be an added advantage
Experience in products, bank operations and customer experience is highly desirable.
Knowledge of the local banking industry, banking products, banking services and banking regulations.
Sound working knowledge and understanding of general Commercial Banking regulations and practices.
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Manager, Credit OperationsJob TypeFull TimeQualificationBA/BSc/HNDExperience7 yearsLocationNairobiJob FieldFinance / Accounting / Audit
Job Purpose Statement

The Manager, Credit Operations, is a strategic leader responsible for designing, implementing, and optimizing end-to-end digital credit processes across five markets: Kenya, Uganda, Tanzania, Rwanda, and Ghana. This role is crucial for scaling Mobile Savings & Loans (MSL) and LOOP platforms.

You will lead the operationalization of new credit products, using automation, AI-driven decisioning, and intelligent workflows to enhance customer outcomes and operational efficiency. A key part of your role will be to manage the credit administration teams and provide oversight to in country portfolio analysts. You will also be responsible for ensuring full compliance with all relevant credit policies and regulations.

This position requires a leader who can effectively integrate traditional banking practices with modern digital credit models to transform credit operations into a high-performing, tech-enabled, and insight-driven function that directly supports business growth.

Key Accountabilities (Duties and Responsibilities)

Financial Management (20%):

Reduce operational costs by at least 15% year-over-year through automation and AI integration.
Resolve 100% of identified revenue leakages (e.g., interest misapplications) within 30 days.
Ensure a minimum return on investment of 1.5x on automation projects within 12 months.
Achieve 100% on-time and accurate CRB reporting compliance across all countries.
Internal Business Processes (30%):

Design and document end-to-end credit operational workflows for all new product launches.
Automate at least three high-impact credit processes each year, such as CRB reporting and loan disbursements.
Ensure all new ecosystem products (Retail, Agri, Health, etc.) have full credit operations readiness.
Maintain robust system controls with a 0% failure rate for all loan lifecycle stages.
Ensure 100% alignment with approved sanction parameters and loan limits.
Maintain a <0% error rate on all loan system inputs and data.
Own the entire CRB submission process, ensuring 100% on-time submissions and zero regulatory breaches.
Risk and Compliance (20%):

Ensure 100% compliance with CRB timelines, formats, and regulatory guidelines, resulting in zero penalties.
Maintain 100% audit compliance with CBK, Group Credit Policy, and local regulations.
Implement at least two automated dashboards for real-time compliance monitoring.
Proactively flag and resolve any sanction or limit breaches, keeping them below 1% per month.
Analyze portfolio data monthly to identify risk patterns and recommend mitigating actions, with a 90% implementation rate.
Manage and resolve 100% of all logged exceptions within defined timelines.
Customer Experience (20%):

Use AI to optimize at least 80% of customer repayment communication flows.
Resolve operational issues that lead to customer complaints, aiming for a complaint rate below 3% and a 95% first-time resolution rate.
Ensure 100% of digital journeys accurately display loan and repayment information.
Learning and Growth (10%):

Hold quarterly regional alignment sessions to share knowledge and best practices across all markets.
Ensure 100% of the team completes annual training on digital credit and AI tools.
Job Specifications

Academic

A Bachelor’s degree in Finance, Business Administration, Economics, Engineering, Statistics, or a related field.
Professional certifications in any of the following will be an added advantage:
Credit Risk Management
Business Process Automation / RPA
AI for Business or Data Analytics
Lean Six Sigma / Process Design
Digital Financial Services (DFS) or Fintech Strategy
Work Experience

Minimum 7 years’ experience in credit operations or administration, with at least 3 years in a leadership role within a digital banking, fintech, or multi-market credit environment.
Proven experience in:
Designing and operationalizing credit processes across origination, disbursement, recovery, and compliance.
Cross-market credit portfolio oversight, ideally in emerging or regional markets (e.g. Kenya, Uganda, Tanzania, Rwanda, Ghana).
Automation and systems implementation in credit lifecycle management (e.g. CRB automation, workflow engines, T24 or equivalent).
Engaging ecosystem stakeholders (e.g. agri-techs, health platforms, retail networks) to support credit product integration.
Using data and AI tools to drive portfolio insights, repayment behavior strategies, and risk monitoring.
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Valuation & Market Insights ManagerJob TypeFull TimeQualificationBA/BSc/HNDExperience5 yearsLocationNairobiJob FieldReal Estate
Job Purpose Statement

The purpose of the role is to provide a real estate growth strategy through provision of market insights and development of real estate growth programs. The role will at the same time manage the quality of onboarded assets through review and improvement of bank valuation policies and guidelines across Retail banking. The role will be responsible for enhancement of the quality of pledged securities to the bank through assessing property values, reviewing valuations, monitoring external developments as well as ensuring compliance with set statutory guidelines.
Key Accountabilities (Duties and Responsibilities)
Business growth 20%

Collaborate with sales teams and credit administration units to seek sales growth through constant review and improvement of existing loan products.
Collaborate with Valuers, Developers, Planners and Surveyors to ensure highest standards of professional services and quickest TAT on their services.
Ensure all set targets for TATs are met
Relationship building 20%

Establish and maintain a strong customer focus approach both with internal and external customers.
Facilitate and develop sound relationships with Valuers, Developers, Planners and Surveyors.
Enter into key partnerships with key stakeholders in the real estate sector
Facilitate and develop sound relationships with the internal channels such as Branch Network, Sales Units and Product departments.
Proactively engage partners to establish service levels and initiate constant improvement.
Compliance 30%

Undertake onsite pre-appraisal of properties prior to loan approval
Carry out desktop revaluations of properties that meet minimum threshold as per the bank’s revaluation policy
Review valuations reports from external valuer(s)and assess values returned for properties/improved properties that are charged to the bank to ensure the quality of output is maintained
Provide stage inspections to confirm properties being improved on (land) are the same charged to the Bank
Carry out stage valuations for ongoing projects for purposes of up stamping property values where applicable
Develop and implement a revaluation guideline with pre-determined factors and thresholds (Loan Performance, LTV, Property Class, Changes in land uses and property markets etc and facilitate desktop revaluations of properties.
Ensure compliance with statutes and guidelines including laws, Kenya Valuation Standards 2021 by the Valuers and the Bank
Generating various management reports on performance of pledged securities
Continuously review existing processes to identify loopholes and make recommendations
Continuously review current property lending policies and propose changes where challenges have been noted or where potential loopholes have been identified
Monitor developments against declaration of riparian/demolition notices /change of use and any other such factors that may threaten to devalue ongoing/current securities
Confirm and review income projections from properties held as securities and monitor the income realized after completion working closely with assigned property managers.
Operational Administration 30%

Assist in managing the Property Database jointly with credit operations and derive a predictive and data driven security assessment framework for effective decisioning
Develop and implement recovery plans for adversely listed properties
Ensure that allocated work is processed within the set turnaround times, therefore meeting monthly TAT targets.
Participate in performance review of valuers
Ensure follow up meetings with project implementation teams (consultants) to discuss property issues
Provide periodic relevant management information to all relevant stakeholders.
Identify potential risk areas (Compliance, Value/Cost significant disparities, scope change, Disputes etc.) and propose risk mitigation measures
Continuous assessment and review of all Service Level Agreements to improve the overall delivery from the external clients.
Job Specifications

Academic:

A Bachelor’s degree in Land Economics, Real Estate or its equivalent from a recognized university in Kenya
Professional:

A good standing member of the Institute of Surveyors of Kenya
Duly registered by the Valuers Registration Board
Desired work experience:

Minimum 5 years post graduate experience
Minimum 2 years post registration experience
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Assistant Relationship ManagerJob TypeFull TimeQualificationBA/BSc/HNDExperience3 yearsLocationNairobiJob FieldBanking
Job Purpose Statement

The role holder is required to achieve customer growth and retention management for a specific portfolio through collaborative account management with the Relationship Management teams and other stakeholders in the organisation

They shall serve as the voice of customer within the Bank, ensuring that all promises made to the customer through the relationship management teams are fulfilled. The role holder shall manage the sector’s operational duties, customer queries and arising complaints to closure by closely coordinating interactions between customers and internal stakeholders. They shall be held responsible for achieving process improvement and change management within the corporate banking department.

Proactively engage with internal support teams to ensure customer fulfilment while ensuring strict adherence with all policy requirements including proper documentation, routine portfolio monitoring, controls and exemptions management (compliance with credit, AML/KYC requirements).

The role holder will be required to provide active administrative support to the sector head. They will assist RMs with cheque refers, excess requests and to prepare credit applications for further analysis and action by the RM. Relevant experience in the specific sector will be an added advantage.

Ideal Job Specifications
Academic:

Bachelor’s degree from a recognized accredited university.
Professional:

At least 3 years’ experience in an assistant management capacity in a similar sized organisation.
Desired work experience:

Proven track record of consistently achieving a portfolio’s financial growth.
Experience in products, bank operations and customer experience is highly desirable.
Knowledge of the local banking industry, banking products, banking services and banking regulations. Sound working knowledge and understanding of general Commercial Banking regulations and practices.
Budget/ Accountability:

Drive customer fulfilment for the sector.
Originate credit applications for approval and manage cheques/customer payments processing
Provide operational support and adhere to operational control guidelines
Provide reports and data on KPIs, portfolio health, customer experience surveys etc
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Head of ResearchJob TypeFull TimeQualificationBA/BSc/HNDExperience5 yearsLocationNairobiJob FieldBanking
Job Purpose Statement

To deliver comprehensive analytical products that support informed decision making. The role holder will collaborate with internal and external stakeholders to produce cutting-edge, timely research on equities and fixed income, primarily in Kenya with potential expansion to international markets as required. Key responsibilities include developing and distributing high quality written & verbal research content for both institutional and retail investors’ audiences. The position also encompasses mentoring and developing associate analysts to ensure comprehensive, commercially viable market coverage and build the team’s analytical capabilities. He/she will be instrumental in establishing NCBA IB as a trusted source of market intelligence while fostering a culture of analytical excellence within the research team. They will also form a key part of producing research to support transactions that IB is participating in.

Ideal Job Specifications
Academic:

Bachelor’s degree in economics or equivalent. A CFA qualification is preferred.
Professional:

Practical experience in use of MS Office applications.
Practical experience in the use of Statistical software.
Practical experience in use of Econometric software.
Practical experience in financial modelling.
Desired work experience:

At least 5 years’ experience in research in an investment bank or similar financial institution.
Strong quantitative background with experience in equities modelling and producing high quality written research.
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Senior Relationship ManagerJob TypeFull TimeQualificationBA/BSc/HNDExperience8 yearsLocationNairobiJob FieldBanking
Job Purpose Statement

Manage a portfolio of corporate customers within the Oil & Gas sector; serve as their primary point of contact and financial advisor as well as prospect and acquire new corporate customers to grow the Bank’s revenue and share of wallet for the assigned sector in line with the Bank’s strategy.

Apply experience in corporate relationship management to develop and implement account plans for the existing portfolio within the assigned sector target market, recommend, structure and sell solutions that address the customers’ needs, with the support from the solution/product teams in order to meet assigned goals and target. Customer acquisition, satisfaction, growth and retention are critical to succeed in this role

Collaborate with the all stake holders to ensure fulfilment of all deliverables.

When assigned, serve in acting capacity in the absence of the Head, Corporate Banking, Nairobi Region.

Job Specifications
Academic:

Bachelor’s degree from a recognized accredited university.
Professional:

At least 8 years’ experience in Commercial Banking, 3 of which should have been in management capacity in a similar sized organisation.
Desired work experience:

Proven track record of consistently achieving a commercial department’s financial growth, with a market reputation of being a trusted advisor on matters pertaining to banking.
Significant experience in Corporate Banking.
Experience in products, bank operations and customer experience is highly desirable. In-depth knowledge of the local banking industry, banking products, banking services and banking regulations.
Sound working knowledge and understanding of general Corporate Banking regulations and practices.
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Customer Product AdvisorsJob TypeFull TimeQualificationBA/BSc/HND , DiplomaExperience3 yearsLocationNairobiJob FieldInsurance
Job Purpose Statement

To market and sell the Bancassurance products to the internal customers and other suitable prospects through direct approach and referrals. The job function involves implementing of the Bancassurance sales strategy and marketing initiatives aimed at sustaining portfolio growth and achieving sales and income targets. The job includes supporting completion and processing of applications; administration of service delivery by the service providers; and providing customer services to optimize customer satisfaction. The incumbent will also provide product and process training to relevant customer-contact staff in all branches and business units

Ideal Job Specifications

Bachelor’s degree in a business related field, preferable B.Com Insurance, Accounting, Finance and/or Actuarial Science
Professional:

Diploma in Insurance (Preferred)
Minimum COP requirement
Desired work experience:

At least 3 years’ experience in Business Development preferably in the insurance industry
Method of Application
Use the link(s) below to apply on company website.

Relationship OfficerManager, Credit OperationsValuation & Market Insights ManagerAssistant Relationship ManagerHead of ResearchSenior Relationship ManagerCustomer Product Advisors

• Relationship Officer
• Manager, Credit Operations
• Valuation & Market Insights Manager
• Assistant Relationship Manager
• Head of Research
• Senior Relationship Manager
• Customer Product Advisors