Business Compliance

Job Purpose:

• This role is responsible for leading the management of MSE financial risk in line with I&M compliance and ascribed in the Risk Management Framework of the Bank. 
  
• This role will be responsible for ensuring the applications are to the expected standard and are documentary compliant. Early arrears management and immediate engagement of the borrowing accounts be regularized/repaid in time to curb provisions at 'watch category' and above and maintain a healthy book within the segment risk limits.
  
• Portfolio management will be managed through a team that is hands-on under the Compliance & Portfolio Quality Manager supporting all the branches in processing the MSE credit facilities.
• Ensure thoroughness in presenting the customers' requests and Arrest Obvious Risk issue that leads would lead to Credit loss.

Key Responsibilities:

• Development of tools and frameworks- lead team in developing tools to measure, analyze risk, early warning signs monitoring, stress testing and industry analysis.
  
• Client management techniques- Sustain relationships with high-value/enterprise clients to keep arrears between 15 to 30 days by maintaining regular communication. Active engagement through RMs of first 20 Assets/liabilities customers for business growth per region.
  
• Portfolio deterioration reduction – Avoid portfolio deterioration by preventing movement in the above 30 and 60-day categories aggressively. Develop corrective criteria of equipping MSE branch team with most defaulted applications to sharpen their appraisal assessment skills.
  
• Regular training on the importance of capturing as many details as necessary during Call visits and occasionally visiting key customers with the business team. Also, Key MSE accounts representing a high risk of deterioration.
  
• Develop a checklist of things to check on a customer's file. Train on compliance skills to arrest falsified documentation, details & misrepresented business appraisal.
  
• Vet diligently with measured TAT all MSE appraisals above Kes.1M before Credit analyst review.
  
• Business Growth mindset -Carry Portfolio Quality & Sustained Growth responsibility.
  
• Loan management from end to end to ensure timely repayments. Actively utilize the CTO analysis for newly disbursed MSE Loans to ensure consistent banking.
  
• Build loyalty through measured relationship with borrowing customers- Virtually/physically. For MSE borrowers above the Kes.5M unsecured threshold, assist in relationship management through the MSE-RMs.
  
• Drive strategic alignment and execution - Formulate the unit's strategy in close collaboration with the segment head and translate it into actionable plans. Monitor progress through regular follow-ups to ensure successful implementation.
  
• Leadership- Provide leadership and motivation of the PQM team and ensure all branches are well supported in the growth of MSE business.
  
• Coaching & Mentorship- Support the team members in the achievement of the set targets.
  
• Evaluation of segment's activity- Review monthly analysis of the activities and ensure remedial plans are implemented and update reports shared.
  
• Timely reporting & Updates on the unit's performance and support to the branches.
  
• Delinquency committees- Representing the segment in the sensitive accounts committee and committee for delinquent accounts.
• Coordination with recoveries- Liaising with recoveries department for handover of accounts for enhanced recovery in line with the bank credit policy.  

Academic Qualifications:
University Degree preferably in a Business-related field such as Economics, Finance or Accounting from a recognized institution by the Commission for University Education.
Professional Qualifications / Membership to professional bodies/ Publication:
Banking professional qualification, Accounting Qualification or equivalent.
Work Experience Required:

• Minimum of 8 years' experience in banking with a good understanding of bank policies, procedures, credit appraisal and external regulations.
  
• Demonstrates expertise and in-depth knowledge in Banking Operations, Risk, Controls. and Credit appraisal presentation.
  
• Good understanding of Central Bank Prudential guidelines, Basel Rules, Banking Act, IFRS and other relevant statutes in Banking.
  
• Demonstrate knowledge and understanding of the present banking and financial services operational landscape, trends, practices, relevant regulatory and governance guidelines, as well as applicable laws.
• Clear understanding of the importance of strict adherence to the set policies and procedures in generating quality credit appraisals.

Competencies:

• Ability to establish effective rapport with debtors, responsible relatives and other parties to obtain information and elicit cooperation.
  
• Ability to independently evaluate information and initiate action within prescribed guidelines.
  
• Ability to establish and maintain accurate records and files.
  
• Ability to understand, apply and explain pertinent laws and procedures concerning collections.
  
• Ability to communicate effectively in oral and written form.
  
• Strong computing skills.
  
• Ability to negotiate agreements and settlements within established guidelines.
  
• Ability to gather and present information in legal proceedings to procure legal judgments.
  

If you believe you meet the above requirements log onto our  and click on careers and apply for the position. Your application should reach us as soon as possible but not later than 17th October 2025.