KCB Bank Careers

Main Duties & Responsibilities 

• Take responsibility for the business performance and delivery of set targets for insurance business in the region by providing effective leadership, motivation, marketing support and technical assistance.
• Drive Bancassurance Retail Sales with the region.
• Provide leadership, motivation and management of performance of the Bancassurance sales representatives. 
• Leverage key marketing initiatives being undertaken by the bank and the agency in the region while working closely with the branch management teams to spot opportunities for insurance business.
• To ensure bringing about a planned and systematic growth in Bancassurance revenue generation through the Bancassurance sales, branch and direct sales channels in the bank.
• To guide management towards ensuring maximum staff participation in the incentive plans and make/propose changes to sustain individual staff productivity and performance.
• To liaise with department heads and sales representatives and work towards a planned and sustainable growth of Bancassurance business throughout the region
• To guide the Bancassurance, sales, direct sales, and branch channel teams to capitalize on cross sell opportunities across departments and within the region.
• To build an effective sales culture and a multi-product sales environment in the team through strong sales and relationship management principles and practices.
• To formulate sales and marketing plans/strategies, monthly and annual sales and cost budgets, sales presentation, and approval papers for business related requirements in the designated sales region.
• To formulate sales and marketing plans/strategies, monthly and annual sales and cost budgets, sales presentation, and approval papers for business related requirements in the designated sales region.
• Ensure excellent Customer Service and Value Proposition 
• To ensure strict adherence to all sales and service activities as laid out in the operations manual, bank’s policies related to compliance and governance.
• To conduct periodic sales reviews and take corrective steps to improve and boost Bancassurance business.
• To review sales team related MIS at periodic intervals to monitor and manage the business along the planned lines.
• To monitor monthly achievements against budgeted sales and revenue generation figures.
• To work very closely with the Bancassurance Business Development Manager to ensure prompt and effective execution of tasks resulting in business growth assistance.
• To manage and ensure business retention is within acceptable and set levels.

Academic & Professional Qualification

• University Degree in Business related field. 
• Certificate in Insurance e.g. COP, ACII, IIK
• Any other relevant insurance qualification and/or membership from Insurance Institute of Kenya (IIK) or associate Chartered Insurance Institute (ACII) will be an added advantage

Work Experience & Skills

• 3-4 years’ experience in the Financial/Banking/Business development field, three (2) of which should be in Insurance Marketing environment 
• Entrepreneurial and Commercial thinking
• Excellent research, analytical, and problem-solving skills.
• Integrity and courage to challenge actions within various business units and the status quo.
• Strong persuasion, management and communication skills
• Strong organizational skills 
• Excellent stakeholder management skills
• Creative approach, with the ability to anticipate challenges and develop innovative solutions.
• Very Good Knowledge of CBK    prudential guidelines and reporting.
• Knowledge of financial management.
• Passionate Drive for results.
• Service Excellence.

JOB PURPOSE 

Responsible for development and implementation of IFRS 9 impairment models to ensure compliance with the IFRS 9 governance and Banks policies and accounting standards. This involves Coordination & management of end-to-end impairment process and management of key interactions with other related teams (i.e. Credit, Risk, Finance, Technology and audits).

The jobholder will also have responsibilities to manage and implement Bank’s IFRS 9 Expected Credit Loss calculation, modelling and reporting processes in NBK core portfolios depending on stakeholder and senior management priorities.

KEY RESPONSIBILITIES 

• Be a subject matter expert on all areas of IFRS 9 impairment model development.
• Enhancing the development IFRS 9 models including re-calibration of PD, LGD, EAD and macroeconomic scenarios.
• Transform macroeconomic data to establish significant variable based on Principal component analysis (PCA), correlation analysis and economic sense check.
• Design and derive risk rating PD model using internal data for specific unique portfolios.
• Review of key ECL assumptions to ensure the model is IFRS 9 compliant and are up to date.
• Managing and implementing the ongoing monthly production of IFRS 9 expected credit losses using bank’s models, whilst providing insight and analytical commentary to allow bank’s senior management to make complex considerations and a high level of management judgement on the expected credit loss calculations of bank’s expected credit loss on timely basis.
• Developing additional IFRS 9 ECL models and/or PD/LGD/EAD scorecards should the Bank widen its product offering. 
• Enhancing model monitoring and management information packs to allow bank’s senior management to understand even more complex products and investments in the future.
• Providing and presenting advanced analytical insights to the business teams and Senior Stakeholders, in addition to explaining new technical concepts when necessary and ensuring that IFRS 9 standards and requirements are met across the organisation.
• Engage with business partners to provide business priorities, present model development activities to various review committees (comprising senior management from various functions within businesses).
• Guide and inspire the team in model development best practices, development of quality model documentation for submission to Internal Model Review committee. 
• Assess model adjustments such as macro-economic variables and other activities for model stability and compliance.
• Continuously looking at the environment to update assumptions around model development, insight generation, tools, talent, potential partners etc.
• Lead and provide insights on model development and other model updates to management on a regular basis.
• Support and liaise with multiple teams namely Financial Controls, Lending Risk and Model monitoring that are related to IFRS 9 models.
• Facilitate collation of all information and data from the businesses.
• Engage appropriately with external parties, such as regulators and external auditors. 
• Be point of contact for credit division for FRS 9 related queries and manage all issues that arise about the standard in liaison with Director credit and Finance. Thus, champion awareness of IFRS 9 in respective product areas. 
• Manage governance over key model inputs, assumptions and adjustments 
• Regular reporting to key stakeholders including business, Credit committee, Board audit and Risk committee 

WORK EXPERIENCE

• Minimum of 3 years’ experience in Finance/Credit and all-round banking experience.
• IFRS 9 subject-matter expert with working understanding of IFRS 9 methodologies and models, impairment process, model inputs, forward economic guidance, stage allocation, disclosures and financial reporting
• Highly proficient user of Microsoft Excel including data analysis tools- Alteryx strongly preferred
• Experience in undertaking linear regression analysis and/or predictive modelling
• Experience of financial reporting processes
• Experience of Credit processes 
• Ability to think creatively and develop innovative solutions.

QUALIFICATION & CERTIFICATIONS

• Bachelor’s degree in actuarial science/Statistics/Mathematics from a recognized University. 
• Professional certification in AKIB/CIB, CPA(K), ACCA is an added advantage.
• Master’s degree in a Business-related field from a recognized University is an added advantage.

Key Responsibilities:

• Manage and conduct a range of simple and complex investigations.
• Gather, verify and assess all appropriate and available information relevant to the Investigation plan and scope.
• Investigations of cases of fraud perpetrated through electronic channels and or other means.
• Should be able to acquire, collect, document, and preserve evidence from various forms of electronic media and equipment in accordance with bank’s policy, and the law.
• Develop and evaluate strategies to manage investigations, working closely and communicating with staff at all levels.
• Assist to come up with strategies for fraud prevention, detection, investigation and fraud response.
• Able to testify before a court of law as to the examination process, chain of custody and findings.
• Work closely with business by identifying risks in products/processes by performing fraud risk assessments.
• Assist in conducting fraud analysis and MIS and presentation of Fraud Risk Dashboards to senior management. 
• Provide timely and accurate investigation findings to assist senior management make decisions.
• Liaise with internal and external agencies to assist in Investigation and fraud prevention.
• Assist in gathering of evidence by participating in sanctioned raids, searches or arrests for purposes of litigations and prosecutions. 
• Keep up to date with changes in legislation, technology and procedures as they affect criminal investigation and other investigations.

Qualifications, Experience, Skills & Personal Attributes:

• Bachelor's Degree in a Business-related course, Social Science, IT, Engineering or Law.
• Certification in the related field is advantageous, preferably - CFE, CPP, PCI, CISA, CISM, Certified Ethical Hacker (CEH), CPA, ACCA.
• Minimum of 5 years’ experience in the Bank or related industry, 3 of which must be in a fraud investigation role.
• Knowledge/experience in criminal law and law enforcement processes.
• Good presentation skills
• Proficient in written and oral communication skills 
• Analytical and problem-solving skills
• Resilient and ability to meet deadlines

Key Responsibilities:

• Plan and complete audit assignments involving Information technology and cyber security assurance in consultation with Head ICT Audits according to approved audit plan within the defined timelines.
• Participate and contribute in the risk assessment process for ICT Assurance in the Bank and document the results.
• Participate in the development of risk based audit plans detailing the scope, nature and timing of audit activities.
• Review the systems established to assess compliance with policies, plans, procedures, laws, and regulations which could have a significant impact on cyber security and report on the assurance and compliance levels.
• Monitor and evaluate effectiveness of the ICT risk management system in place and assist as a liaison person in conducting investigations when called upon.
• Develop in consultation with Head of ICT Audits appropriate audit tests and programs aimed at efficiently and effectively checking ICT Assurance levels.
• Stakeholder engagement; agree on issues picked during audit activity and submission of draft report on audit findings by highlighting levels of compliance with key controls, procedures and management policies and regulatory requirements among others.
• Ensure clarity in documentation of issues raised, their impact on business and quality management actions to mitigate the risks.
• Continuously monitor assurance on ICT security and cyber compliance through stakeholder engagement, monitoring of trends and developments and report on the results at agreed intervals or on ad hoc basis as may be required.
• Follow up of audit issue action plans as per stakeholder engagement agreements and track to completion within agreed timelines.
• Follow up recommendations and issue action plans logged from previous audits to ensure their timely closure.
• Continuous review of ICT Assurance audit plan and provide technical expertise to business on controls of existing and incoming ICT Infrastructure and systems, including major projects while maintaining professional independence.
• To support other audit staff by sharing expertise with members supporting ICT assurance.
• Maintain pro-active approach to risk assessment through market intelligence, continuous engagements with stakeholders to understand business dynamics and through data analytics.
• Escalate in a timely manner delays in execution of audit work to Management.
• Perform other related duties that may be assigned from time to time by Management.

Qualifications, Experience, Skills & Personal Attributes:

• A Bachelor’s Degree in Computer Science, IT or Engineering in a recognised University.
• CISA professional certification.
• ACCA/CPA / related accounting professional certification are preferred.
• Membership of IIA/ISACA and in good standing is preferred.
• CISM – an added advantage.
• Five (5) years’ experience in an internal audit/ ICT related environment in the financial sector or big 4 external audit firms with at least two years in information/cyber security field.
• Professional independence; exercise objectivity, competence, discretion and courage to raise and escalate matters where applicable.
• Understanding of information and cyber security risk management, processes and associated control requirements.
• Innovation; able to keep up with trends of meeting the demands of internal and external customers and controls thereof.
• Collaboration; forms business partnerships that help drive the Bank’s assurance agenda.
• Multi-tasking; able to manage several concurrent audit assignments and prioritise demands.
• Flexibility and adaptability; ability to keep pace with latest trends in addition to new audit requirements.
• Excellent communication skills; strong and confident, articulate in communicating to both internal and external stakeholders.
• Analytical; capable of managing numerous information sources and providing data analysis reports to Senior Management. 

Job Description

• Grow Trade Finance business volumes and revenues, and manage assigned client portfolio, from the process of deal origination, structuring and credit approval to contracting and placement while ensuring that the process is efficient. 
• Prospect for ‘new to bank’ clients in conjunction with Relationship Managers and offer innovative and customized solutions. 
• Champion the delivery of consistent, seamless and trusted customer service to ensure customer retention and loyalty. 
• Participate in the preparation of account plans, covering all aspects of local and international trade finance, in concert with Relationship Managers. 
• Enhance the uptake of KCB’s trade finance products and services by existing and new clients, through providing technical product expertise and conducting joint calls in partnership with relevant business units in the bank. 
• Provide and sustain assurance that the risks associated with Structured Trade Finance transactions in the assigned portfolio remain within approved appetite and are accurately captured in client term sheets. 
• Ensure compliance to the Bank’s policies, procedures and regulatory requirements. 
• Market for trade finance business. 
• Monitor and push utilization of customer trade finance facilities 

REQUIRED

• Eight (5) years’ banking experience, Three (3) of which should be in Trade Finance Business Development.

REQUIRED

• University Degree from a recognized institution.
• Master’s degree in a relevant field will be an added advantage.
• Other professional qualifications (CPA, ACCA, AKIB) will be an added advantage 
• Certification in Trade Finance will be an added advantage
   

Key Responsibilities; -

• Provide technical support for existing Agency, Mobiloan, Internet Banking, Mobi, C2B, MTS, Channel Manager systems (herein later referred to as Digital Channels) and implementation of related projects. 
• Delivering business solutions by ensuring that they are well tested and are rolled out in a manner that does not adversely affect business processes. 
• Work closely with IT Security to ensure that the Digital Channels money transfer services are well secured and in implementing SSL and other encryption certificates for ensuring robust and secure Digital Channels services 
• Roll out of business solutions, ensuring that they are well tested and are rolled out in a manner that does not adversely affect business processes, and providing processes and training to the users. 
• Recommend and implement upgrades or changes to the Digital Channels solutions for performance, security or business benefits 
• Provide first level IT training and support to users in addition to keeping track of user issues and oversee their prompt resolution. Develop subject matter expert knowledge of Mobile, digital Commerce and other payment banking technologies 
• Continuously analyze user requirements to develop and provide solutions 
• Enhance and develop new channels for delivering services to customers 
• Maintain and manage up to date system configurations and user documentation, also develop Business Continuity plans for both mobile channel solutions. 
• Ensure compliance of SLAs with system vendors. 

The Person

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

• Bachelor’s Degree in  IT/CS/Mathematics. 
• Professional qualification/Certification in ITIL,Linux Oracle Database administration is an added advantage.
• Master’s degree in any computer or business related, Project Management is an added advantage.
• 3 years’ work experience in the same or related role, with at least:
• 2 years’ experience in Digital Channels (Mobile Banking, Internet Banking, Agency Banking) administration.
• 2 years’ experience in Linux Server Administration. 
• 1-year experience in IT Projects and Business analysis. 
• 1-year experience in Change Management is an added advantage. 

KCB Group is registered as a non-operating holding company which started operations as a licensed banking institution with effect from January 1, 2016. The holding company oversees KCB Kenya – incorporated with effect from January 1, 2016 – and all KCB’s regional units in Uganda, Tanzania, Rwanda, Burundi, Ethiopia and South Sudan. It also owns KCB Insurance Agency, KCB Capital, KCB Foundation, National Bank of Kenya, and all associated companies. The holding company was set up to among other things to enhance the Group’s capacity to access unrestricted capital and also enable investment in new ventures outside banking regulations, achieve operational and strategic autonomy for the Group’s operating entities and enhance corporate governance across the Group and oversight in the management of subsidiaries. Related documentation:  Group Name Change,   Name Change Certificate,  KCB Advise on Non-Operating Holding Company,  KCB Group Structure,  Kenya Gazette Notice.
 

KEY RESPONSIBILITIES: 

• Conduct regular penetration tests and vulnerability assessments on networks, web applications, and other critical infrastructure.
• Develop, implement, and manage penetration testing schedules to identify, classify, report, and prioritize remediation of security vulnerabilities across the Group resulting in timely and effective security assessments.
• Use a variety of tools and techniques to simulate attacks on systems and uncover vulnerabilities.
• Develop and deliver reports on the status and effectiveness of the security testing program to internal leadership and all relevant stakeholders.
• Perform in-depth analysis of penetration testing results and create reports that describe findings, exploitation procedures, risks, and recommendations.
• Provide technical VAPT related support to projects in a bid to ensure compliance to technical security policies and standards. Execute penetration testing projects using the established methodology, tools, and rules of engagements.
• Develop, research, and maintain proficiency in tools, techniques, countermeasures, and trends in computer and network vulnerabilities, data hiding, and encryption.

Academic & Professional

• Particulars Detail    Specific Field or Qualification Need Type[1]
• Education  Bachelor’s Degree B.Sc. Information Technology / Computer Science / Cybersecurity / Engineering (Electrical, Electronic) or related field    RQ

Professional Qualifications    

• Cybersecurity certification in either CISA/ CISM/ CISSP/ Security+ /
• Cybersecurity certification in either CEH/CPT/CRT/GPEN/OSCP/ OSWA/OSWE/ LPT/ PenTest+/ ECSA/ CHFI/ or a relevant equivalent certification/Certified Red Team Expert (CRTE)/Certified Red Team Operator (CRTO)/ Bug Bounty Researcher (ICBBR)/ Certified Information Systems Security Tester (CISST)/PECB ISO/IEC 27001 Lead Auditor/
• AT least one RQ or equivalent
• Penetration Testing / Cybersecurity Assurance Certification   /Cisco Cyberops Associate & Professional or any relevant equivalent certification    AA
• Master’s Degree    MBA / MSc     AA

Experience

• Total Minimum No of Years of Experience Required- 4yrs
• Experience in Cybersecurity- 3yrs
• Experience in Penetration Testing and Ethical hacking- 3 ys
• Cross-Functional Collaboration with other teams and departments to enable effective defence-in-depth controls through Red Team, Purple Team and Blue Team exercises. 
• Emulate advanced threat actors by planning, executing, and analysing complex attack scenarios. Help develop and refine tactics, techniques, and procedures (TTPs) used by adversaries.

KEY RESPONSIBILITIES:

• Lead requirements analysis, validation, and verification, ensuring that requirement statements are complete, consistent, concise, comprehensible, traceable, feasible, unambiguous, and verifiable.
• Elicit requirements using interviews, document analysis, surveys, site visits, business process descriptions, use cases, scenarios, business analysis, competitive product analysis, task, and workflow analysis, and/or requirements workshops.
• Business requirements documentation.
• Create and Review Technical Architecture Documents for system changes and new systems and solutions.
• Facilitate requirements prioritization based on business value.
• Manage changes to requirements through effective use of change control processes and tools.
• Participate and guide on the non-functional tests planning and execution i.e., performance / load tests, security tests and high availability and fail over testing
• Track entire life cycle for each IT change request from logging to fulfilment and closure i.e., requirements definition, CAB approval, solution design, solution build, resource allocation, testing, deployment and post deployment review and any remedial actions thereof.
• Assist in ensuring governance of the IT Change Management Policies and procedures through continuous reporting, training, and education

The Person

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

• A Bachelor’s degree in IT or related.
• Professional certification in either Project Management (PRINCE2 or PMP), Service Management (ITIL) Business Analysis (CBAP, CPP) or Agile Practice (SAFe, SCRUM). 
• Master’s degree in IT Related, Business Administration, Project Management is an added advantage. 
• At least 3 years’ work experience in IT systems. 
• At least 2 years relevant work experience with specific experience in:
• IT projects
• Banking Operations 
• Change management 
• Emerging Technologies(channels)(e.g, mobile, internet Banking.