Housing Finance Company of Kenya was incorporated as the premier mortgage Finance Institution in Kenya licensed under the Banking Act with the CDC and the GoK owning 60% and 40% respectively.
1. Manager IT Channels
Reporting To: Head IT Applications
Overall Job Purpose
Responsible for supporting the stable operations of the bank’s Digital Channels. The role holder will provide specialized technical support in Projects, Change Requests and Day to Day Operations of Mobile Banking, iProfits, MasterCard, FinBridge, MPESA and interfaces to the Core Banking System.
Principle Accountabilities
- Oversee resolution of systems related problems specific to Digital Channels. This will involve handling queries from users and resolve or advise them accordingly as well as attending to systems failures to resolve or coordinate the resolution of the problem, liaising with software vendors to resolve systems issues or escalating where necessary.
- To provide management oversight for the Banks Digital Channels to ensure projects, incidents, problems, service requests and escalations are dealt with according to defined set of policies, processes, procedures and SLA’s.
- Design, maintenance, development and evaluation of all Digital Channels.
- Lead implementation/upgrade (projects) of Digital Channels. Ensuring that systems are designed and configured as per the requirements of the users as well as conceptualizing and providing the best approach to achieve or automate business requirements from the users.
- Providing test systems for User Acceptance Testing (UAT) and ensuring that functions/features are tested before being put on the live system, develop and maintain documentation on system configuration or setup and also provide resources/assist in user training.
- Evaluate and ensure effectiveness of the Digital Channels (systems, people, policy, controls and procedures) with regard to protection against exposure to and impact of risks associated with data loss, corruption and/or unauthorized access.
- Perform Application tuning and performance monitoring, establish and maintain sound backup and recovery policies and procedures, and also implement and maintain database security by installing adequate controls to secure data, as well as ensuring that all applications are fully licensed and compliance to regulatory bodies
- Ensure policies, procedures and guidelines for information processing and outputs are well documented, details available and well understood.
- Ensure speedy closure of the issues and problems assigned to the team with pro-active prioritization and feedback.
- Plan and put into action long-range solutions for resolving recurring difficulties with minimum user disruption – educate users to resolve simple recurring problems themselves.
- Identify performance degradation trends and problem areas and actively participate in resolution.
- Participate in the implementation of IT related policies and undertake other tasks as may be assigned from time to time by the seniors in the bank’s IT function.
- Avail all scheduled reports and also generate ad-hoc reports as requested by the Business Users.
Minimum Qualifications, Knowledge and Experience
- A minimum of 5 years working experience in a busy IT environment as a systems analyst with hands on role in application administration.
- At least 3 year’s Banking experience in Application Support and Projects.
- Computer Science Degree and other IT related courses in Database Administration and Application Support.
- Knowledge of UNIX and LINUX is required.
- Governance certifications like ITIL or COBIT would be an added advantage.
- One or more IT certifications such as in MCSE and Oracle will be an added advantage.
- Database Administration certifications.
Key Competencies and Skills
- Hands on experience in Core Banking Applications and Channels.
- In-depth technical knowledge in Information Technology and current trends.
- Possess excellent communication, project management skills and good analytical and problem solving skills.
- Results oriented, excellent interpersonal skills, self-driven and a team player.
- Should have good knowledge of the bank’s products in order to be able to interpret user needs, possesses general awareness of the bank’s operating procedure with detailed knowledge of the Bank’s Information Security Policy.
- Ability to evaluate situations, provide proper guidance and make proper decisions, able to forecast, plan, and organize work for effective achievement of job tasks.
2. Corporate Communications Manager
Reporting To: Head of Marketing
Overall Job Purpose
To proactively manage the HF Group Brand public image among internal and external stakeholders and lead in the implementation of all communication activities for the Group including corporate communications/media relations, internal communications, sponsorships and events community activities.
Principle Accountabilities
- Develop stakeholder relations strategy, that complements business objectives
- Develop media relations strategy, including key media engagement
- Coordinate visibility of Group initiatives and leadership in both mainstream and social media.
- Manage media inquiries and interview requests
- Create content for press releases, editorials and keynote presentations in liaison with PR agencies
- Manage Content for the Group’s digital properties e.g. website and social media.
- Monitor, analyze and communicate PR results on a quarterly basis.
- Advise on crisis communications plans, and develop anticipatory positions on upcoming communications/public relations issues.
- Event management and coordination
Minimum Qualifications, Knowledge and Experience
- A Degree in Journalism or Communication (preferably Public Relations option) or relevant degree with post graduate diploma or Masters in Journalism or Communication from a reputable institution.
- At least 6 years’ experience in public relations and/or journalism background.
- Past experience in mainstream journalism and Public Relations Agency will be an added advantage
Key Competencies and Skills
- Proficiency in Microsoft Office applications
- Copy editing skills
- Demonstrated ability to network with key players in the media industry
- Effective presentation and communication skills
- Excellent interpersonal skills
- Excellent writing skills
- Event planning
3. Manager IT Services
Reporting To: Chief Information Officer
Overall Job Purpose
The purpose of the role is to ensure that the HFC IT team deliver quality service through planning, scheduling and measurement of IT services to provide the agreed levels of service, taking into account the changes in both supply and demand and seeking to proactively and continuously improve services to the bank’s internal and external customers.
Principle Accountabilities
To develop and maintain strategic relationships with the various departments across the bank, partners and suppliers. Define, negotiate, and regularly track SLAs of IT services with various business units and 3rd party service providers for HFC.
Ensure effective on-going monitoring and support for all systems in use by both internal and external customers by maintaining IT services provision at the highest possible levels. Carry out regular performance measurements (MI/Reporting, trend analysis, KPIs) to ensure that HFC IT services are delivered as per SLA’s by both internal IT and external vendors and providing metrics for periodic SLA and contract reviews and renewals.
To define, implement and oversee the IT change management framework and process in line with industry best practices e.g. ITIL, COBIT to minimize the impact of IT infrastructure changes to internal and external customers.
To develop, implement and continuously improve ICT “best practice” tools and processes based on IT services management frameworks e.g. ITIL, COBIT. Promote a quality & risk management culture in IT services through the development and implementation of appropriate quality & risk strategies to manage the services, the supply chain of IT services, provide the required levels of service, system performance and functionality that meet business objectives.
Provide inputs into IT strategic planning and budgeting processes to ensure that key service themes are addressed to improve availability while improving self-service.
Own the IT services catalogues and ensure it is regularly updated with all services provided by IT.
Oversight and ensure best practice in operation, administration and reporting of infrastructure (networks, system administration, servers), databases (backups, storage and tuning activities), applications, channels and security activities.
Minimum Qualifications, Knowledge and Experience
- Degree holder in Information Technology with professional qualification in Project Management. Master’s degree would be an added advantage.
- ITIL Service Level Management practitioner certificate.
- Prince 2, PMP, Scrum, COBIT, or any other IT Management Framework
- 7 years’ work experience with more than 4 years in services management.3-4 years in supervisory role.
- Working experience in a bank or other financial services organization would be added an advantage.
Key Competencies and Skills
- Results oriented, excellent interpersonal skills, analytical thinker and problem solving skills.
- Good communicator, self-driven and a team player.
- Ability to evaluate situations, provide proper guidance and make proper decisions, able to forecast, plan, and organize work for effective achievement of job tasks.
4. Litigation Manager
Reporting To: Director Company Secretary & Head of Legal
Overall Job Purpose
To handle litigation, arbitrations /court cases by instructing and liaising with external advocates to ensure the company does not incur losses and also to mitigate on losses from suits.
Principle Accountabilities
- Responsible for instructing the Company’s external Lawyers by writing letters of instructions to ensure that company’s interests are adequately and promptly represented.
- Directly liaise with external lawyers in respect of preparation of evidence and witnesses for all pretrials.
- Attend court and testify on behalf of the company to ensure the company does not incur losses.
- Provide response to correspondence from external lawyers to advice on company’s position on legal matters and obtain update reports from external advocates on all legal suits.
- Provide legal advice on recovery cases in order to realise our securities.
- Negotiate on legal fees with external advocates.
- Compile requisite injunctions and major court cases reports for the various committees
Minimum Qualifications, Knowledge and Experience
- Bachelor of Law-LLB, Diploma Kenya School of Law, Advocate of the High Court of Kenya
- 5 years Litigation experience in a busy environment.
Key Competencies and Skills
- Ability to work independently under strict deadlines.
- Good interpersonal and communication skills.
- Analytical and Negotiation skills.
- Drafting pleading skills.
- Demonstrated good planning and organisation skills.
- Strong leadership and management skills.
- Team player and must have integrity.
5. Human Resource Business Partner
Reporting To: Group Human Resources Director
Overall Job Purpose
To enhance the achievement of business unit and overall Bank objectives through the alignment HR strategy to business strategy. To design and implement relevant Human Resources solutions in line with business needs.
Principle Accountabilities
Implementation of HR Strategy throughout the Business Unit.
Human Resource Planning
- Prepare Human Resource forecasts in consultation with Business Unit Heads.
- Facilitate the Career and succession plans for key resource people and key positions.
- Support the development of Talent management within the Business Unit by enabling the Business Unit to attract, retain and motivate talent. Ensure talent management policies and initiatives are being driven objectively
- Maintain a data base of talent- both internal and external for focus areas based on market dynamics of supply and demand.
- Advise BU on the Exit trends and propose measures for talent retention.
- Reports: Provide call reports, succession planning reports, Turnover reports, Leave, disciplinary, grievance, and staff movement reports plus any that may be required by the Head of HR.
Resourcing ( Recruitment, Selection and Placement)
- Identify the best source of candidates for positions both internally and externally
- Undertake strategic resourcing initiatives such as head hunting, Market intelligence, Talent acquisition.
- Undertake interviews for short listed candidates manage the engagement process and ensure great experience in on boarding.
- Train, coach/mentor and support line managers on the recruitment process.
- Ensure proper orientation and induction of new staff is carried out i.e. First day induction: HR policy, Medical and insurance
- Ensure that all staff have a signed off job descriptions and strategic objectives.
Organizational Development and Change Management:
- Drive organization implementation/change initiatives in line with business unit strategies i.e. Review and implement fit for purpose structures, benchmarking analyses, ensure targets are reviewed to reflect the changes.
- Facilitate the preparation of job descriptions for new roles, ensure that the job roles are well-defined, evaluated and organizational structures are in place & constantly updated.
- Work with relevant persons to ensure proper change management processes within the business.
- Ensure communication and management of the Bank’s change initiatives as “ a change catalyst” within the business unit (champion compliance in line with change management framework and processes).
Learning and Resource Development/Management:
- Support the L & D Officer and Line Managers in establishing the skill gaps within Business units and facilitate TNA and execution of mitigation initiatives.
- Oversee the delivery of training programs with the Training Officers and Service Providers
- Facilitate selected training programs in consultation with L&D and Heads of Departments.
- Monitor and implement capacity building initiatives that are directed to continuous on the job learning and staff career development.
Performance Management:
- Oversee roll out and cascade of the Bank’s performance management policies in the Business Units.
- Coordinate the entire process of performance appraisals, ensuring timely submission of reports and their analysis.
- Act as first point of contact on Performance Management policy, practices and procedures with the view of ensuring staff are fully engaged and attaining desired levels of productivity.
- Co-ordinate with Business Unit Heads in ensuring that staff appreciate the linkage of performance to reward by way of proposing bonus awards, fringe benefits as well as merit increments.
Employee Relations:
- Support and advise the Head of HR and Business Units on the opportunities for improvement of employee relations.
- Champion and enforce labor laws as constituted within the country and the Bank’s Policies.
- Interpret policies and procedures and assess compliance by all employees within the business unit.(Advise managers and employees on disciplinary issues and procedures)
- Ensure work place harmony is in place.
- Enhance two-way communication within the business unit by ensuring that employees and other stakeholders are informed on what is happening, why it is happening and how it affects them.
- Ensure smooth termination process for employees, resignations and negotiated terminations as per the instructions of the HR and Legal Heads.
- Champion employee wellness programs.
Relationship Building and HR Branding
- Visit Divisions/departments/Branches to support and advise on Human Resources challenges and issues facing the business units.
- Review SBU/Branch meeting minutes for any Human Resource Related issues and resolve/cascade/escalate the same accordingly.
- In liaison with Divisional/departmental/Branch/Unit heads, ensure that leave plans are in place and are adhered to and that Leave Liability is managed.
People and Culture
- Champion the values of the bank and its culture in all staff contact points and engagement’s.
- Support the Heads of HR and Departments in inculcating a shared culture and foster employee loyalty to the Bank’s values.
- Attend MANCO meetings of allocated divisions and offer expert HR advice on people matters with focus on culture of the bank.
- Administer culture surveys and communicate initiatives designed from the same
- Liaise with departmental and division heads to ensure that new staff are allocated mentors and review periodic mentoring reports on the staff.
Minimum Qualifications, Knowledge and Experience
- Bachelor’s Degree in Human Resource Management, Social sciences or relevant field from a reputable institution.
- Higher Diploma in Human Resources.
- At least 10 years of HR generalist or relevant experience in a busy Human Resources environment.
- Registered member of the Institute of Huan Resource Management (HRM)
- Must have a valid practising certificate.
Key Competencies and Skills
- Deep knowledge of Business – Business acumen
- Organizational & Talent management acumen
- Good Coaching capability and handling difficult feedback
- Employee/Customer-centric individual
- Excellent Communication Skills
- Inspirational leadership – ability to inspire and motivate colleagues and drive right service behaviors across the company.
- Ability to make a significant impact – contribute, influence, negotiate decisions that impact the business, employee and client experience.
- Tenacity & Trusted to deliver – great work ethic and integrity.
- Execution Excellence -Focus on achieving results.
- Change adaptability and comfortable with working with ambiguity.
- Design thinking and agile methodology of working.
- Demonstrated passion for excellence with respect to care and concern for employees/customers
6. Branch Business Manager
Reporting To: Head of Branch Business
Overall Job Purpose
The Branch Business Manager will be responsible for growing branch portfolio and balance sheet, and effective management of branch sales staff in order to maximise branch profitability.
Principle Accountabilities
- Achieve growth of the branch asset and liability book to ensure growth of the branch and increase profits.
- Oversee the operations of the branch to ensure compliance of laid down policies and procedures.
- Directing, motivating and developing staff so as to ensure a branch succession plan for branch continuity is in place.
- Appraising and reviewing of staff performance so that branch strategies are accomplished.
- Safeguard and oversee the effective and efficient use of branch assets so that set budgets are adhered to.
- Setting branch strategies in line with company strategy and preparation of relevant reports to monitor and review performance
Minimum Qualifications, Knowledge and Experience
- A business related degree from a reputable institution, Masters’ degree is an added advantage.
- Professional qualifications- AKIB/ CPA/ACCA.
- At least 5 years’ experience in management within the Banking Industry and specifically Branch Management experience.
- Strong credit underwriting skills.
- Strong appreciation of banking operations, corporate, treasury, retail and transactional banking.
Key Competencies and Skills
- Ability to work independently under strict deadlines.
- Good interpersonal and communication skills.
- Analytical and basic accounting skills
- Demonstrated good planning and organisation skills.
- Strong leadership and management skills.
- Selling, persuasion and negotiation skills
- Report writing and presentation skills.
- Team player and must have integrity.
7. Relationship Manager – SME Banking
Reporting To: Branch Business Manager
Overall Job Purpose
To achieve business growth in the SME & Commercial banking segment. The role holder will have a holistic view of all accounts within his/her portfolio, using lead generation and account prioritization to cross sell Bank products and extract value from said portfolio whilst maintaining/ building customer relationship and account information.
Principle Accountabilities
Acquisition: Business Development
- To ensure growth of Branch SME portfolio (NFI, deposits and assets) through the acquisition of new to Bank customers through the Business sales officers and lead generation
- Actively generates referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity.
- To ensure acquisition of customers to digital channels i.e. Internet Banking, WHIZZ and other platforms.
- To effectively manage and expand the relationships with existing SME banking clients and bringing in new partnerships from existing portfolio so as to ensure business growth and continuity.
Portfolio profitability (Cross-sell & Retention)
- Grow SME customer portfolio size (Product per customer, Non-funded income, deposits and assets) by deepening existing customer relationships
- Ensure a clear retention plan for overall portfolio deposits and loans for the segment, to execute this plan in conjunction with the Branch Managers.
- Monitor account planning for all clients that will assist in advising on potential financial solutions based on identified needs
- Assist in Resolving client queries in a timely and appropriate manner
- Assist in collaborating with product specialists, to deliver effective customer solutions.
- Ensure Fulfillment of minimum customer relationship touch points – e.g., 1 visit every quarter and 1 call and email a month depending on customer segment
- Prepares and submits all reports may prepare management reports summarizing individual and team loan activity
- Ensure all customers are on-boarded on a digital platform i.e. WHIZZ, Internet banking
- Ensure Product Per Customer of 5 across the portfolio
- To understand nature of businesses, their life-cycles and the various product offerings that can be given to the customer.
- To evaluate credit proposals and ensure the credit applications process on a timely basis within the Bank’s set turnaround times.
Customer and Market:
- Maintaining/ Updating customer data on parameters such as Business turnover/ directors details etc.
- Ensure all customer engagements are recorded accordingly
Compliance:
- To ensure compliance with both internal and external regulatory requirements.
- To continuously follow business operational and credit policies ensuring their compliance
Minimum Qualifications, Knowledge and Experience
- A Bachelor’s degree in any business related field from a reputable institution.
- 4-year experience in client relationship management in the banking industry.
Key Competencies and Skills
- Ability to work independently under strict deadlines.
- Good interpersonal and communication skills.
- Analytical and basic accounting skills
- Demonstrated good planning and organisation skills.
- Strong client relationship management skills.
- Selling, persuasion and negotiation skills
- Report writing and presentation skills.
- Team player and must have integrity.
8. Direct Sales Representatives
Reporting To: Sales Team Leader
Overall Job Purpose
The Direct Sales Representative will be responsible for growing the Branch Business through aggressive sales and relationship for it is a business growth and development role. He/she will report to the Sales Team Leader.
Principle Accountabilities
- Selling consumer products including accounts sales and deposits mobilization of etc.
- Sales planning and tracking of daily sales activity and reporting to the management.
- Mapping and scoping the business opportunity within the Branch environs and liaising with the Branch Management for sales activations.
- Making presentations to prospects
- Customer interviews and interactions both at the Branch and at their place of work/Business to understand their needs and offer the right products.
Minimum Qualifications, Knowledge and Experience
- A Diploma in Marketing and Sales or other related fields.
- A Bachelor’s degree, preferably in Commerce/finance, Business, Banking and Finance or related fields will be an added advantage.
- Sales, Marketing and/or other banking professional qualifications would be added advantage.
- At least 1-year Sales experience with relevant experience in Customer Service.
Key Competencies and Skills
- Practical experiences in use of MS Office applications
- Ability to work independently under strict deadlines.
- Must have good interpersonal and communication skills.
- Results oriented, analytical thinker, problem solving skills.
- Demonstrated good planning and organizational skills.
- Must be a team player and have integrity
9. Relationship Manager – Transactional Banking
Relationship Manager – Transactional Banking
Reporting To: Head of Transactional Banking
Overall Job Purpose
- Developing cash management and trade finance business in conjunction with the SME and Branch Business Banking team to achieve set targets.
- Structuring cash management and trade solutions to new and existing customers to meet sales goals and targets (revenues and volumes).
- Spearheading rollout and utilization of alternative banking channels (ABC) – (Internet banking, mobile banking and MasterCard)
Principle Accountabilities
- Work closely with the head of transactional banking to meet and exceed working capital product, ABC channels revenues and profitability targets.
- Undertake market situation analysis to identify new business opportunities.
- Work closely with head of transactional banking to understand customers’ businesses and anticipate their requirements.
- Match customers’ needs with HFC product capabilities through presentations and proposals.
- Offer structured and need based solutions to meet the specific cash management and trade services requirements of our customers and prospects.
- Ensure smooth deal implementation and while maintaining high levels of service quality.
- Identify opportunities for cross selling and referrals to other HFC business lines through developing a good understanding of client needs.
- Ensure customer service issues are addressed to maintain a high level of post sales servic
Minimum Qualifications, Knowledge and Experience
- A business related degree from a reputable institution.
- At least 3 years banking experience in cash management, sales and retail banking.
- Strong appreciation of banking operations, corporate, treasury, retail and transaction banking.
Key Competencies and Skills
- Ability to work independently under strict deadlines.
- Analytical and basic accounting skills
- Demonstrated good planning and organisation skills.
- Selling, persuasion and negotiation skills
- Report writing and presentation skills.
- Team player and must have integrity.
- Must be able to communicate with a wide variety of third party vendors and processor support teams.
- Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form
- Capacity to define problems; gather data, establish facts and draw valid conclusions
- Generate effective solutions to problems while considering all aspects of situations
- Strong interpersonal skills highly motivated and well organized; excellent oral and written communication skills
- Ability to prioritize workload, maintain integrity of confidential member and team member information
- Ability to handle multiple tasks while prioritizing the importance of items in a fast paced environment
10. Lending Assurance Officer
Reporting To: Scheme Administrator
Overall Job Purpose
The Lending Assurance Officer will be responsible for the following;
- Performing call back verification and a gating function for quality of applications from branches.
- Oversee fulfilment at both the valuation and conveyancing stages of secured scheme applications customer journey
- Oversee the handshake process of applications between business assurance and scheme administration
Principle Accountabilities
- Perform call back verification for loan applications.
- Custodian of call back tools like scheme contacts, signatory sample signatures and the phone system.
- Perform a gating function for quality of applications from branches. He/she will check KYC compliance, completeness of financial information provided and proper execution of forms.
- Monitor fulfillment at both Valuation and conveyancing stages of secured applications process. He/she will ensure that fulfillment takes the shortest time possible
- He/she will ensure that applications have been properly on boarded in the system and invoices submitted to the employers.
- Provide MIS on quality of applications through analysis, reports and updates for decision making by business.
- Follow up for timely receipt of loan repayment instalments and application of the same on time.
- Escalate cases of non-payment / default to the client scheme administrator and debt collection team.
- Full reconciliation of loan repayments, loan balances and related deposits (where applicable) with any variances raised with the Schemes on a monthly basis
- Issuance of stop orders of the cleared loans to companies.
- Manage customer issues, queries and complaints as well as deliver high quality service.
- Any other duties as maybe assigned by the line manager.
Minimum Qualifications, Knowledge and Experience
- Bachelor’s degree in business or finance related field from a reputable institution.
- 3-5 years banking experience 2 of which must have been in loans administration.
- Knowledge of Credit and Operations.
Key Competencies and Skills
- Computer /IT skills, including knowledge of Microsoft office applications e.g. Word; Excel; PowerPoint etc.
- General knowledge in banking processes.
- Excellent written and oral communication skills.
- Excellent interpersonal skills with the ability to effectively work with individuals and groups at all organization levels; ability to work independently and as part of a team.
- Excellent customer service skills with the ability to respond to inquiries or complaints effectively and timely.
- Ability to take initiative and prioritize tasks; good time-management, organization, problem-prevention and problem-solving skills.
- Basic analytical ability with active listening skills.
- Ability to work accurately with close attention to detail; strong ability to scrutinize and examine.
- Ability to maintain confidentiality of sensitive information.
- Willingness to adapt to changing business needs and deadlines.
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