Specifically, the successful jobholder will be required to:


Conduct special audits as required, leveraging on Computer-Assisted Audit Tools (CAATs) such as, Python, ACL, and SQL Developer to efficiently extract, transform, and analyze large volumes of data
Identify opportunities to automate audit procedures and develop scripts to enhance Robotic Process Automation (RPA) for improved... efficiency and accuracy.
Design, implement, and maintain data analytics models and scripts to support continuous auditing and monitoring activities.
Collaborate closely with audit teams to understand specific audit requirements and translate them into effective data analytics and automation solutions
Conduct comprehensive penetration tests on the bank’s web, mobile banking, and other operational applications, networks, and ICT systems to evaluate the effectiveness of the implemented cybersecurity framework.
Evaluate compliance with IT security policies, standards, and regulatory requirements across business units and ICT infrastructure.
Stay up to date with emerging cyber threats, vulnerabilities, and regulatory developments in the cybersecurity landscape.
Perform independent threat and vulnerability assessment tests and report on cyber risks and controls of the ICT systems within the bank and other related third-party connections.
Test the adequacy and effectiveness of control measures on information systems, operational processes, credit, department operations and recommend corrective measures to be undertaken in areas of weakness.
Utilize extensive understanding of business activities to recommend scope and objectives of assigned audits, execute audit procedures, perform detailed analyses, reach sound conclusions, and document results for assigned audit activities.
Ensure that all instances of significant risk or lack of control are properly identified, all findings are factually based& reported, with pragmatic & balanced recommendations & reports delivered in a timely manner.
Actively participate in discussing audit findings and recommendations with line managers of the areas under review.
Facilitate the communication of audit results and special projects via written reports and oral presentations to management.
Assist in the annual risk assessment process and generation of annual audit plan.
Assist in training/mentoring staff and develop and maintain the skills, knowledge and expertise to make valuable contribution to the internal audit team.


Skills, Competencies and Experience

The successful candidate will be required to have the following skills and competencies:


Bachelor’s degree in information systems or computer science from a recognized university. Possession of an MSc or other relevant postgraduate qualifications will be an added advantage.
Experience with intelligent technology integration, including machine learning (ML) using Python or R, AI and natural language processing (NLP) and familiarity with audit automation tools such as ACL Robotics.
Professional certification in IT Audit, Risk and Security e.g. CISM, CISSP, CISA, CRISC
Excellent understanding of auditing concepts and practices with a minimum of 3 years’ experience in management role in IT and operations or IT and operation audit.
Skilled in project management and maintaining composure under pressure while meeting multiple deadlines.
Demonstrable knowledge in risk assessment and control concepts/methodologies.
Skilled in negotiation and conflict management to resolve problems that may arise during an audit.
Excellent oral and written skills; a strong verbal communicator, analytical writer and able to clearly and concisely convey personal observations of processes, risks and controls.
Excellent analytical ability both qualitative and quantitative to draw sound conclusions coupled with demonstrated knowledge and proper application of sampling techniques.
Excellent attention to details and organizational skills. more

Key Roles and Responsibilities

The office holder will be responsible for the following:


Develop and enforce HR policies and strategies to support organizational goals.
Foster positive employee relations to boost productivity, encourage inclusivity, and maintain a thriving work environment.
Ensure compliance with government laws, Sacco policies, and industry standards, addressing... violations to uphold trust and accountability.
Design performance and development programs that align with the Sacco’s objectives, driving employee growth and success.
Oversee HR functions, including hiring, onboarding, training, performance reviews, and retention, while analyzing exit interviews for improvement.
Create and execute HR plans and workforce development initiatives.
Maintain accurate HR records, using data insights to enhance operational efficiency.
Propose innovative HR policies and best practices to improve human capital management.
Prepare monthly HR reports and provide strategic recommendations to the Chief Operating Officer and the CEO quarterly.


Required Qualifications & Experience

Academic & Professional Requirements

For appointment to this position, a candidate must have:


Bachelor’s degree in Human Resource Management or a related field from an accredited university.
Certified HR professional with active membership in a recognized HR body (minimum: IHRM membership).
3+ years of HR and administrative experience in a financial institution.
In-depth knowledge of labor laws and employment regulations.
Minimum KCSE grade of C (or equivalent).


Key Competencies & Skills


Strong leadership skills with a track record of motivating teams to achieve business objectives.
Excellent communication skills, able to articulate HR policies and strategies clearly at all levels.
Relationship-building abilities, with strong emotional intelligence and conflict-resolution skills.
Proficiency in Microsoft Office (Word, Excel, PowerPoint) for documentation, data analysis, and reporting.
Experience with HR software for managing employee records, performance tracking, and process automation. more

SACCO MANAGER REF: (CBI/SM/08/25)

Key Responsibilities

Reporting to the Board of Directors, the job holder will be responsible for day-to-day Sacco operations including but not limited to:  


The implementation of and adherence to the prescribed policies, procedures and standards.
Ensuring that systems have been established to facilitate efficient operations and... communication.
Ensuring that strategies are developed and employed to facilitate achievement of targets and objectives.
Overseeing Human Resource Management and Development.
 Ensuring compliance with all statutory and regulatory requirements of the Sacco & be able to propose changes to the Board such as Sacco Societies ACT, By-laws and Cooperative rules.
Providing support to the Board of Directors by organizing all Board and Sub Committee meetings, Annual and Special General Meetings and Supervisory meetings as and when required.
Keeping minutes of all general meetings and meetings of the Board of Directors
Advising the Board of Directors in formulating, preparing and implementing long term policies and programs of the society through board papers and technical reports as appropriate.
Performing such other duties as may be directed by the Board of Directors.


Qualifications & Experience


Bachelor’s Degree in a Finance-related field or its equivalent, preferably B. Com/BBM (Finance/Accounting). 
A minimum Accounting professional of CPA (K).
A Diploma in Co-operative Management will be an added advantage.
Must have at least 5 years work experience as a Supervisor or Manager in a reputable Sacco or other related Financial Institutions.


General Requirements 


Excellent interpersonal skills, innovative and Self driven;
Excellent verbal and written Communication and presentation skills;
Good time management skills;
Strong team leadership and mentorship skills;
Good grasp of IT and computer skills;
Ability to prepare and maintain management accounts and financial statements for the society including budgets in accordance with IFRS and other accounting guidelines;
Able to manage the Sacco Cash flows and cash flow forecast;
Able to analyse problems and provide effective solutions.


Personal Attributes and Attitudes


Should have high integrity and be able to maintain confidentiality
Is self-driven and innovative;
Have strong analytical and problems solving skills;
Ability to anticipate potential problems, determine and implement solutions;
Able to pay close attention to details;
Ability to be flexible, use initiative, self-evaluate and to work independently under little or no supervision more

The Role

The successful jobholder will be expected to:


Provide strategic leadership and administration for employee total rewards and propose innovative strategic initiatives in employee compensation and benefits and other related HR services.
Lead strategic initiatives designed to ensure long-term process improvement, cost reductions, and increased efficiencies.
Oversee the... establishment of key Service Level Agreements, quality targets and Key Performance Indicators. Understand varying business needs and priorities; align HR operation priorities and ensure stakeholder expectations are met.
Collaborate with key stakeholders and related key departments on total rewards design, performance, employee experience improvements and operational excellence including quality assurance
Lead the research, preparation, modeling and communication of annual HR services hub plans, analyze projections and monitor expenditures before final approval by senior management. 
Keep abreast of current and developing trends related to HR Shared services hubs in order to continuously improve and provide subject matter expertise
Direct staff communications and education campaigns related to benefits with a view to improving employee experience, operational efficiencies and implement opportunities for cost savings.
Oversee the compensation administration and the benefits administration functions to ensure proper benchmarking, research and market competitiveness on the HR hub services offered by the bank
Drive operational performance and service excellence within the HR Shared Service team and monitor performance of the team against performance/quality standards defined.
Provide support and guidance to HRBPs, HR Specialist functional areas, managers and employees on internal procedures and process related to the different HR services and processes. Work with business leaders and HR Leads to utilize the HR service delivery capabilities at their fullest potential
Partner with other HR areas to promote education efforts that drive employees and managers to fully utilize available systems and tools as well as support in driving compliance to the relevant employment regulations, legislation and bank policy requirements 
Drives optimization of HR technology and processes and ensures that we simplify and create exceptional customer experience in all tasks undertaken in HR Services Hub.
Provides active leadership, strategic direction and the day to day guidance, coaching and mentoring to team of HR Services Hub Team leaders and team members
Lead alignment between IT, Finance, HR Shared Services in order to drive optimization of available and planned HR systems and technologies
Contributes to the strategic direction of Human Resources through active participation on the HR operations special projects.


Qualifications, Skills & Attributes


Bachelor’s degree in business, HR or related field required. A HR certification is preferred
7-10 years professional work experience in human resources and a minimum of 3 years management experience, with direct leadership of benefits and compensation and/or HR technology. total rewards administration with demonstrated performance in benefits and compensation
Strategic mindset with the ability to be a hands-on team player and solid leadership and change management skills.
Professional maturity and the ability to work under general supervision to organize and prioritize work, with high level of accuracy, and handle highly confidential information.
Demonstrated ability in handling highly sensitive and confidential matters effectively and discreetly.
Lean process oriented, with the ability to drive efficiency and scale without jeopardizing the employee experience.
Collaborative decision-making skills and ability to work cooperatively with others both within the HR functional areas and HRBPs as well as other stakeholders throughout the organization.
Experience and knowledge in one-on-one coaching and group conflict resolution, effective negotiation and operational processes and quality assurance exposure
Proven leadership and experience managing effective relationships and communicating with management at all levels.
Extensive knowledge of applicable employment and labor laws as well as other relevant compliance requirements
Ability to meet deadlines under pressure; manage a high volume of workflow and prioritize tasks according to business needs
Ability to assess and analyze information and exercise sound judgment. Exposure to data-driven HR and data analytics is encouraged
Strong collaboration and teamwork skills with demonstrated ability to lead in a collaborative environment, build consensus and promote the exchange of information among team members.
Excellent written, oral, presentation, facilitation, and interpersonal communication skills. Ability to communicate effectively across all levels of the organization. more

Reporting to: The Chief Operating Officer

Key Roles and Responsibilities

The office holder will be responsible for overseeing all Back Office Service Activity (BOSA) operations and in particular, the following:


Credit Policy and Compliance


Oversee adherence to lending policies and procedures throughout the credit administration process within the SACCO.
Lead the development... and enhancement of new loan products to meet market demands.
Implement, evaluate, and update credit management strategies and procedures in alignment with organizational goals.
Contribute to periodic reviews of the Credit Policy to reflect evolving business and regulatory requirements.


Debt Recovery and Risk Management

Plan, coordinate, and supervise debt recovery initiatives, implementing corrective measures for non-performing loans.
Manage relationships with external debt recovery agencies and institutions.
Ensure proper documentation and timely submission of legal evidence for court cases involving debt recovery, including witness preparation.


Financial and Operational Oversight

Prepare income projections for loan products and manage financial obligations within the loans department.
Evaluate and recommend training programs to enhance staff competency in credit operations.
Approve the release of securities/collaterals upon full loan repayment.
Conduct periodic credit assessments to determine the creditworthiness of applicants.


Reporting and Stakeholder Engagement

Provide regular updates to the CEO on loan portfolio performance, including actionable recommendations.
Collaborate with the Head of Finance to ensure compliance with policies and prudential standards.


Team Leadership and Performance Management

Establish departmental goals and oversee staff performance through appraisals.
Supervise, coordinate, and motivate the credit operations team to achieve targets.
Foster effective working relationships with other SACCO departments.
Perform any additional duties as assigned by management.




Required Qualifications and Experience

Academic & Professional Requirements

For appointment to this position, a candidate must have:


Bachelor’s degree in Finance, Accounting, Banking, Credit Management, or a related field.
Professional accreditation in Credit Management, CPA (K), CISA, CPS, or equivalent.
Registered with a recognized professional body in good standing.
Diploma in Cooperative Management is an added advantage.
At least 5 years in credit administration or loan management at a managerial level within a financial institution/SACCO.


Key Competencies & Skills


Strong analytical and problem-solving abilities.
Excellent communication, negotiation, and interpersonal skills.
Detail-oriented, self-motivated, and results-driven.


Personal Attributes


High integrity and ethical standards.
Member-centric approach with a passion for service excellence.
Ability to work under pressure and meet deadlines.


Successful applicant will be required to meet the requirements of Chapter 6 of the Constitution of Kenya and will be expected to present the following documents within the first 3 months of engagement.


Police clearance certificate (Certificate of good conduct).
Tax compliance certificate from Kenya Revenue Authority (KRA).
Clearance Certificate from Ethics and Anti – Corruption Commission (EACC)
Clearance certificate from Credit Reference Bureau (CRB)
Clearance certificate from High Education Loans Board (HELB) more

Reporting To: The Chief Operating Officer

Job Summary

The Head of FOSA will oversee all Front Office Service Activity (FOSA) operations, ensuring efficient service delivery, member satisfaction, and financial growth. The role involves managing savings and deposit mobilization, customer service, loan processing (where applicable), and compliance with regulatory requirements. The ideal... candidate will drive operational excellence, enhance member engagement, and ensure the Sacco’s FOSA operations align with its strategic objectives.

Key Responsibilities

FOSA Operations Management


Oversee daily FOSA operations, including cash management, transactions, and account administration.
Ensure compliance with Sacco policies, SASRA regulations, and other statutory requirements.
Implement efficient processes for deposits, withdrawals, transfers, and other banking services.
Monitor liquidity management to ensure sufficient funds for member transactions.


Savings & Deposit Mobilization


Develop and implement strategies to grow the Sacco’s deposit base.
Promote savings products and encourage member participation.
Analyze market trends and competitor offerings to enhance savings products.
Monitor member savings trends and recommend improvements.


Customer Service Excellence


Ensure high-quality customer service across all FOSA touchpoints (branches, digital platforms).
Resolve escalated member complaints and ensure timely service delivery.
Train and mentor FOSA staff on customer relationship management.
Implement feedback mechanisms to improve member satisfaction.


Loan Processing & Credit Administration (Where Applicable)


Oversee loan application processing within FOSA, ensuring compliance with lending policies.
Work with the credit team to assess member loan eligibility.
Monitor loan repayments and follow up on defaults.


Staff Supervision & Performance Management


Lead, train, and evaluate FOSA staff to ensure productivity and adherence to service standards.
Conduct performance appraisals and recommend staff development programs.
Foster a positive work environment that promotes teamwork and efficiency.


Risk Management & Compliance


Implement internal controls to prevent fraud and operational risks.
Ensure adherence to AML (Anti-Money Laundering) and KYC (Know Your Customer) policies.
Prepare and submit regulatory reports to SASRA as required.


Business Growth & Innovation


Recommend new FOSA products/services to meet member needs.
Drive digital transformation in FOSA operations (mobile banking, agency banking).
Participate in marketing initiatives to attract new members.


Qualifications & Experience

Academic & Professional Requirements


Bachelor’s degree in Finance, Business Administration, Economics, or a related field.
Minimum of 7 years of experience in banking, microfinance, or Sacco operations, with at least 3 years in a managerial role.
A professional qualification is an added advantage.
Diploma in Cooperative Management, Business Administration, Marketing, Customer Service, or related areas is an added advantage.


Key Competencies & Skills


Strong knowledge of Sacco operations as required by SASRA, and FOSA management.
Excellent leadership, communication, and interpersonal skills.
Proficiency in financial analysis, risk management, and customer relationship management (CRM).
Experience with core banking systems (e.g., FOSA software, ERP solutions).
Strategic thinker with strong problem-solving abilities.


Personal Attributes


High integrity and ethical standards.
Member-centric approach with a passion for service excellence.
Ability to work under pressure and meet deadlines.
Innovative mindset with a focus on digital financial solutions.


Successful applicant will be required to meet the requirements of Chapter 6 of the Constitution of Kenya and will be expected to present the following documents within the first 3 months of engagement.


Police clearance certificate (Certificate of good conduct).
Tax compliance certificate from Kenya Revenue Authority (KRA).
Clearance Certificate from Ethics and Anti – Corruption Commission (EACC)
Clearance certificate from Credit Reference Bureau (CRB)
Clearance certificate from High Education Loans Board (HELB) more

Reporting to the Chief Executive Officer, the individual will be responsible for driving the growth and sustainability of the Sacco by identifying new business opportunities, developing strategic partnerships, expanding the membership base, and enhancing the Sacco’s products and services to effectively meet members’ financial needs.

 Key Responsibilities: 


Drive initiatives to recruit new... members, while building and maintaining strong relationships with existing members to ensure member satisfaction and retention. Identify new market opportunities and areas for growth.
Develop and implement strategies for deposit mobilisation and loan book growth. 
Initiate and participate in development of financial products and services to meet members’ changing needs. Monitor products performance.
Plan and execute marketing campaigns to promote the Sacco’s products and services.
Develop strategies to promote Sacco’s brand by engaging in corporate events and outreach programs.
Build strategic partnerships with institutions and corporates to expand product offerings.
Conduct market research and analysis to inform new growth avenues for the Sacco and keep abreast of industry trends, and regular member satisfaction surveys.
Prepare on timely basis regular departmental reports with recommendations thereon.
Lead and mentor departmental staff to ensure optimal productivity and achievement of the set targets. 
Design annual member education programs in liaison with the CEO and education committee that enhance member engagement and financial literacy.
Monitor social media and online activities to increase engagement and visibility.


Qualifications & Experience: 


Hold a university degree in Marketing or Business Administration, Economics, Business management, or it’s equivalent.
Have at least 5 years of experience in marketing and business development in financial sector with a proven track record of driving growth and success.
A diploma in Marketing, Co-operative Management, or Mass Communication will be an added advantage.


Technical Skills & Competencies: 


Strong networking and communication skills; good in public relations.
Agile and resilient; flexible personality.
Conversant with online, social media and digital marketing trends.
Excellent interpersonal skills.
Sociable with an outgoing personality.
Ability to work under pressure and achieve high levels productivity.
Ability to prioritize tasks and meet deadlines.
Work under minimal supervision.
A team player; but a firm and assertive leader.
Conversant with micro soft applications with bias in power point and spreadsheets. more

Reporting To: ICT Manager

Job Summary

The ICT Officer will be responsible for managing and maintaining the Sacco’s ICT infrastructure, ensuring seamless operations of all hardware, software, and network systems. The role involves providing technical support, implementing ICT policies, safeguarding data security, and supporting digital transformation initiatives to enhance operational... efficiency and member service delivery.

Key Responsibilities and Duties

The office holder will be responsible for the following:

ICT Systems Management & Maintenance


Install, configure, and maintain hardware (computers, servers, printers, etc.) and software (operating systems, applications, databases).
Monitor and troubleshoot network performance (LAN/WAN, Wi-Fi, VPN) to ensure uninterrupted connectivity.
Perform regular system updates, patches, and backups to ensure optimal performance and data integrity.
Manage and administer the Sacco’s core banking system, email servers, and other enterprise applications.


Technical Support & User Training


Provide first-line ICT support to staff, resolving hardware, software, and network issues promptly.
Train staff on ICT systems, cybersecurity best practices, and new software applications.
Maintain an ICT helpdesk system to log, track, and resolve technical issues efficiently.


Cybersecurity & Data Protection


Implement and enforce ICT security policies, procedures, and controls to safeguard Sacco data.
Monitor and defend against cyber threats (malware, phishing, hacking) through firewalls, antivirus, and intrusion detection systems.
Ensure compliance with Kenya’s Data Protection Act (2019) and other relevant regulations.
Conduct regular security audits and risk assessments to identify vulnerabilities.


Database & Software Management


Administer and optimize databases (e.g., SQL, Oracle) to ensure data accuracy and availability.
Support the integration of ICT systems with third-party platforms (mobile banking, payment gateways, USSD services).
Assist in the customization and deployment of in-house or outsourced software solutions.


ICT Projects & Innovation


Participate in the implementation of new ICT projects (e.g., cloud migration, digital banking solutions, ERP systems).
Research and recommend emerging technologies to improve service delivery (e.g., AI, blockchain, automation).
Collaborate with vendors and service providers to procure ICT equipment and services.


Reporting & Compliance


Maintain an up-to-date ICT asset register and license management system.
Prepare reports on system performance, incidents, and ICT expenditures.
Ensure adherence to ICT policies, Sacco regulations, and industry standards (e.g., CBK guidelines).


Qualifications & Experience

Academic & Professional Requirements

For appointment to this position, a candidate must have:


Bachelor’s degree in Computer Science, Information Technology, or a related field.
Professional certifications (e.g., CCNA, CompTIA A+, Microsoft Certified IT Professional, CISSP) are an added advantage.
Minimum of 3 years of experience in ICT support, preferably in a financial institution (Sacco, bank, or fintech).
Hands-on experience with:
Core banking systems (e.g., Temenos T24, BankSacco, Oracle Flexcube).
Network administration (TCP/IP, Active Directory, VPN).
Database management (MySQL, MSSQL).
Cybersecurity tools and practices.


Key Competencies & Skills


Strong troubleshooting and problem-solving skills.
Knowledge of scripting (Python, PowerShell) and automation.
Excellent communication and interpersonal skills.
Ability to work under pressure and meet deadlines.
Familiarity with Kenyan ICT regulations (e.g., Communications Authority guidelines).


Successful applicant will be required to meet the requirements of Chapter 6 of the Constitution of Kenya and will be expected to present the following documents within the first 3 months of engagement.


Police clearance certificate (Certificate of good conduct).
Tax compliance certificate from Kenya Revenue Authority (KRA).
Clearance Certificate from Ethics and Anti – Corruption Commission (EACC)
Clearance certificate from Credit Reference Bureau (CRB)
Clearance certificate from High Education Loans Board (HELB) more

Key Roles and Responsibilities

The office holder will be responsible for the following:


Develop and enforce HR policies and strategies to support organizational goals.
Foster positive employee relations to boost productivity, encourage inclusivity, and maintain a thriving work environment.
Ensure compliance with government laws, Sacco policies, and industry standards, addressing... violations to uphold trust and accountability.
Design performance and development programs that align with the Sacco’s objectives, driving employee growth and success.
Oversee HR functions, including hiring, onboarding, training, performance reviews, and retention, while analyzing exit interviews for improvement.
Create and execute HR plans and workforce development initiatives.
Maintain accurate HR records, using data insights to enhance operational efficiency.
Propose innovative HR policies and best practices to improve human capital management.
Prepare monthly HR reports and provide strategic recommendations to the Chief Operating Officer and the CEO quarterly.


Required Qualifications & Experience

Academic & Professional Requirements

For appointment to this position, a candidate must have:


Bachelor’s degree in Human Resource Management or a related field from an accredited university.
Certified HR professional with active membership in a recognized HR body (minimum: IHRM membership).
3+ years of HR and administrative experience in a financial institution.
In-depth knowledge of labor laws and employment regulations.
Minimum KCSE grade of C (or equivalent).


Key Competencies & Skills


Strong leadership skills with a track record of motivating teams to achieve business objectives.
Excellent communication skills, able to articulate HR policies and strategies clearly at all levels.
Relationship-building abilities, with strong emotional intelligence and conflict-resolution skills.
Proficiency in Microsoft Office (Word, Excel, PowerPoint) for documentation, data analysis, and reporting.
Experience with HR software for managing employee records, performance tracking, and process automation.


Successful applicant will be required to meet the requirements of Chapter 6 of the Constitution of Kenya and will be expected to present the following documents within the first 3 months of engagement.


Police clearance certificate (Certificate of good conduct).
Tax compliance certificate from Kenya Revenue Authority (KRA).
Clearance Certificate from Ethics and Anti – Corruption Commission (EACC)
Clearance certificate from Credit Reference Bureau (CRB)
Clearance certificate from High Education Loans Board (HELB) more

The Credit Officer is responsible for maintaining a healthy and growing credit portfolio while ensuring quality membership and effective microfinance operations. This role combines traditional loan processing with field-based microfinance activities to achieve agreed targets regarding portfolio size, delinquency, and default rates.

REPORTING TO: BRANCH MANAGER

Key Duties &... Responsibilities


Credit Management & Loan Processing

Handle member loan approvals and payment processing
Conduct loan appraisal and adequately process loan applications
Verify appraised loan forms before management approval
Maintain loan register and guarantors records
Manage CRB queries and assist in reducing loan turnover time
Generate routine credit reports (rejected loans, repayment status, etc.)
Comply with loan procedures and legal requirements


Customer Service & Communication

Notify loan applicants monthly on repayment start dates through various channels
Attend to member queries regarding loans and services
Draft notices to debtors and demand letters for loans in arrears
Negotiate payment arrangements with customers who have delinquent loans
Ensure provision of quality service to all customers


Business Development & Field Operations

Market and sell Sacco products including member accounts, savings products, loans, and credit products
Recruit new members and maintain/activate existing clients
Visit microfinance groups on daily basis to facilitate savings and loan repayments
Maintain quality client portfolio through effective monitoring, evaluation, and follow-up
Collect market intelligence and competitor intelligence


Coordination & Reporting

Coordinate loan processing with other departments
Prepare periodical credit reports for management
Perform any other duties as assigned from time to time




MINIMUM QUALIFICATIONS, KNOWLEDGE AND EXPERIENCE


Business-related degree or equivalent from a recognized university; OR Diploma in Co-operative Management, Credit Management, or Banking from a recognized institution.
CPA II certification with minimum 2 years’ experience in Credit Management in a Financial Institution.


REQUIRED ATTRIBUTES & SKILLS


Communication & Interpersonal Skills

Excellent verbal and written communication skills
Effective listening abilities
Good people, interpersonal, and networking skills
Able to handle difficult customers with diplomacy and tact


Technical & Analytical Skills

Strong analytical and problem-solving abilities
Ability to read, analyze, and interpret financial statements
Good knowledge of Microsoft Office Suite
Knowledge of Sacco products and services


Personal Attributes

Demonstrated integrity and ethical standards
High level of professionalism
Self-confidence and motivation
Accuracy and attention to detail
Sound judgment and decision-making ability


Work Style & Adaptability

Highly developed teamwork skills
Effective time management and adaptability to changing priorities
Ability to follow written instructions and documented procedures
Capable of working productively with a wide range of people more

CREDIT MANAGER (REF:CBI /CO/06/25)

Reporting to: The CEO

Roles and Responsibilities


Putting in place and implementing effective credit management, monitoring, collection and recovery strategies.
Preparing, analyzing and submitting regular reports in relation to loan applications, disbursements, repayments, overdue accounts, recovery plans and risk exposures.
Identifying, assessing,... and evaluating risk areas in recovery and making appropriate recommendations.
Ensures safe keeping and confidentiality of all member loan records.
Verify eligibility of loan guarantors and advise accordingly.
Maintain a departmental organizational structure sufficient to meet all goals and objectives.
Manage the daily operations of the credit department in an efficient and effective manner.
Achieve established departmental goals within defined timelines, as well as define and implement a measurement of acceptable staff performance to safeguard the Sacco’s loan portfolio.
Ensure that all securities/collaterals are perfected, charged, recorded and maintained under lock and key. 
Undertake periodic review of securities held against all non-performing facilities to ensure these are perfected and that no dilution happens during the debt recovery period.
Conduct various assessments and audits to ensure departmental procedures are achieving accurate and desired results.
Implement data clean-up procedures and corresponding changes when necessary and as appropriate to ensure correct and up to date credit data at individual and corporate level is maintained.
Ensure timely disbursement of approved loans in liaison with finance department.
Ensure the recovery of outstanding amount and ensuring the process of realization of securities is handled procedurally in order to avoid delay through intermittent ligation while at the same time ensure that the defaulting client’s rights are respected in order to avoid potential risk exposure to society through litigation or adverse publicity.
Plan and coordinate the debt recovery process with various service providers (Lawyers, Valuers and Auctioneers) to avoid undue delay and recovery costs escalation.
Appraise and certify all loan applications and forward the same to the Credit Committee for approval.
Verify and certify supporting documents for all loan application and advice accordingly.
Approve loans within the limit and facilitate further approval by the CEO/Credit Committee for loans above the limit.
In liaison with the marketing departments, develop and review the loan products periodically.
Reviewing capacity needs, supervising and initiating training needs for the personnel in the credit department.
Monthly, quarterly, and annual preparation of loan portfolio reports.
Collections of defaulted loans/Physical recoveries.
Ensuring that the branches are maintaining loan registers.
Ensuring that the monies are deducted from the BOSA accounts.
Preparation of PAR and delinquency schedules.
Prepares and generates SASRA reports monthly.
Ensures that loans are recovered, and member accounts are reconciled daily.
Setting and evaluating performance of credit staff across the Sacco.
Efficiently manage the Credit committee meetings (scheduling and agenda) and record minutes.
Performing other duties as may be assigned from time to time.


 Minimum years of experience required to be appointed to the position: 


Bachelor’s degree in finance, Accounting, Banking, credit management or any other related with CPA (K) and CCP Certified Credit Professional) qualifications.
A diploma in cooperative management or Credit Management will be an added advantage.
Minimum of five (5) years’ relevant experience in credit administration or loan management gained from working at management level in a financial institution.
Knowledge of SASRA regulations will be an added advantage


Other competencies:


Strong analytical skills, excellent communication, negotiation skills and interpersonal skills, focused, self-driven and attentive to detail.
Computer proficiency in computer application, especially in accounting packages and Microsoft Office Suite of Packages more

Purpose of Job.


The Administrative Assistant will be responsible organizing and coordinating general administrative issues as per the SACCO policies.


Reports to : Chief Executive Officer

Duties and Responsibilities


Scheduling and calendar management – coordinating meetings and events, and organizing travel and training schedules.
Communication management – handling phone... calls, emails, and other correspondence; acting as a liaison between staff and clients.
Document management – drafting letters, reports, presentations, and other business documents.
Filing and data entry – maintaining organized physical and electronic filing systems.
Office operations – ordering stationery, water, other refreshments for staff and visitors, and other office supplies; managing inventory.
Reception duties – receiving visitors, directing them appropriately, and responding to inquiries.
Guide and supervise outsourced support staff.
Manage cleanliness of the offices.
Any other lawful duties that may be assigned from time to time.


Qualifications


Diploma in Cooperative Management, Business or Banking, Office Administration, or related fields.
A minimum of a C+ grade in the Kenya Certificate of Secondary Education (KCSE).
A minimum of three (3) years of experience, preferably in a financial institution, banking, or SACCO sector.
Proficiency in computer applications such as MS Office applications, Google Workspace, and familiarity with information technology and digital tools.
Strong communication and customer service skills.
Ability to handle confidential information with keen attention to detail.
A fast learner with the ability to multitask effectively.
Familiarity with regulatory requirements relevant to the SACCO sector will be an added advantage.


Other Competencies


Strong organizational skills.
Good time management skills.
Ability to work with minimal supervision.
Incident and problem management. more

Purpose of Job.


The ICT Officer will be in-charge of the ICT Department and is also responsible for managing information technology, ICT systems, and policies to achieve Sacco’s goals. He/she will manage all ICT infrastructure, systems security, development and implementation of ICT strategies, policies, data security, and disaster recovery.
REPORTS TO : Chief Executive Officer


Key... Duties & Responsibilities:


Manage all operations of the ICT Department and ensure timely provision of ICT services to all functions of the Society to facilitate implementation and use of ICT in the organization.
In charge of the development and implementation of ICT strategies, promoting ICT innovation and enterprise.
Ensure appropriate database management and administration.
Monitor information systems and troubleshoot all systems in the Sacco.
Ensure proper maintenance of ICT-related equipment and security of hardware and software.
Ensure compliance with ICT regulations and advise management on the optimization of ICT resources in the organization.
Design and produce reports.
Provide advice on acquisition of hardware and software.
Ensure smooth operation of all terminals within the Local Area Network (LAN) and Wide Area Network (WAN), liaising with ICT suppliers and support service providers.
Ensure systems integrity, availability, and security.
Ensure proper functioning of all systems in the Society.
Maintain a backup system for all data in the Society and store them safely.
Assign User IDs and user rights, and implement controls in the Sacco system.
Report system breakdowns and failures immediately to the CEO and the system vendor for quick action.
Participate in the formulation and implementation of ICT policies.
Ensure business continuity and effective disaster management and recovery planning.
Provide appropriate information and guidance on emerging and best practices in ICT.
Ensure timely provision of ICT service to all the functions of the Sacco.
Maintain the Sacco website.


Qualifications


A bachelor’s degree in Computer Science or ICT-related fields.
Professional certification in ICT fields (CISM, CISA, or similar certification).
A member of an ICT professional body is an added advantage.
A minimum of four (4) years of working experience in a similar role.
Understanding of networking technology, routing, switching, and firewalls.
Overall understanding of enterprise systems.


Competences


Strong problem-analysis and troubleshooting skills.
Able to handle and assess critical situations, and coordinate with many team players to restore normal ICT services.
Good time management skills.
Able to work in cross-functional, multi-application, multi-service providers environment.
Customer focus and interpersonal skills.
Communication skills.
Business applications.
Infrastructure.
Application, data, and technical architecture.
Incident and problem management. more

The Role

Specifically, the successful jobholder will be required to:


Lead sales efforts and business growth in Co-operatives & CIBD Division.
Originate, structure, and close mortgage/project cases, managing end-to-end deal conversion and revenue momentum.
Develop and manage a mortgage pipeline, driving quality business through effective customer engagement.
Ensure portfolio quality... in adherence to the bank’s credit policy and risk management practices.
Provide continuous product knowledge and support to Relationship Managers and customers, maximizing opportunity identification and solutions.
Implement processes for early identification of problem accounts, collaborating closely with Relationship Managers.
Monitor MIS/risk reports rigorously to mitigate potential risk factors.
Monitor account conduct, payment of facilities, and covenant compliance.
Support customers in financial challenges, facilitating appropriate restructuring to preserve the bank’s position.
Ensure compliance with KYC and ALM measures, in line with regulatory requirements.
Develop and maintain strong relationships with business function units.
Enhance product visibility and market presence within CIBD and CBD.
Foster partnerships to create an end-to-end customer approach and enhance the value chain.
Conduct post-implementation reviews on key accounts, recording learning points for process improvement.
Collaborate with product development teams and participate in staff training on mortgage products.
Ensure strict adherence to all regulations, statutes, standards, and internal processes and procedures.
Contribute to department/division attaining a “Satisfactory” rating in both internal and external audits by adhering to standards and regulations.


Skills, Competencies and Experience

The successful candidate will be required to have the following skills and competencies:


A Bachelor’s degree in Finance/Accounting, Business Administration, Economics, or related field. 
An MBA and professional qualification in accountancy preferred.
Knowledge and experience in real estate/project/construction finance, preferably in a banking environment.
Ability to package solutions for emerging customer needs.
Ability to drive sales and uptake of mortgage finance products.
Knowledge in mortgage finance products and services.
Capacity to ensure compliance with product credit policy and operations.
A team player who can collaborate with business segments to identify client potential and ensure disbursements. more

Sacco Business Development Executives (REF: CBI/BDE/05/25)

The Business Development Executives will contribute to the Sacco’s growth, member/s acquisition through new business relationships (MOUs), retention and promoting Sacco’s products and services by cross & upselling.

Reports to: CEO

Department: Business Development

Duties & Responsibilities


Develop and implement strategies... to recruit corporate members and increase Sacco’s presence in institutions.
Conduct market research to identify potential corporate clients and business opportunities.
Build and maintain strong relationships with corporate partners and stakeholders.
Promote Sacco products and services to corporate employees through presentations, events, and direct marketing.
Develop targeted marketing campaigns to enhance brand awareness and member acquisition.
Monitor and analyze industry trends to identify new opportunities for growth.
Prepare and submit periodic reports on business development activities and membership growth.
Collaborate with internal teams to ensure seamless onboarding and service delivery to corporate members.
Represent the Sacco in networking events, trade fairs, and corporate engagements.
Ensure compliance with Sacco policies and regulatory requirements in all business development activities.
Deliver the agreed sales targets and outcomes within agreed timelines.
Any other duties as may be assigned from time to time.


Minimum Qualifications, Knowledge and Experience


Diploma in Business Management or related fields.
Proven work experience of at least 1 year as a sales representative, preferably in Sacco, Bank or Microfinance.
Highly motivated and target driven with a proven track record in sales.
Excellent selling, communication and negotiation skills.
Prioritizing, time management and organizational skills.
Ability to create and deliver presentations tailored to the audience needs.
Relationship management skills and openness to feedback. more

The Role

Specifically, the successful jobholder will be required to:


Design maintenance strategies, procedures and methods including planning and undertaking scheduled maintenance to minimize unpredicted breakdowns, assess and analyze repair and breakdown costs and recommend equipment upgrading or replacement.
Manage and oversee routine scheduled maintenance work and respond to... equipment faults while carrying out quality inspections on jobs to verify and forward job cards and invoices to Finance for payment.
Supervise projects in liaison with the Bank’s consultants, to successful completion within the shortest period as may be agreed from time to time
Manage installations costs in the new outlets and other refurbishments as may be agreed from time to time.
Arrange specialist procurement of fixtures, fittings or components. This will entail preparing bills of quantities for new and refurbished branches to include intruder alarm, CCTV, internal and fascia signage.
Ensure complete and proper documentation of all on-going and completed projects such as contracts, performance bonds, and all necessary documentation.
Deal with emergencies, unplanned problems and repairs by responding to breakdowns with agility and following up with vendors doing diagnosis and repair of equipment.
Control Capital Expenditure for projects and maintain renovation costs.
Maintain statistical and financial records for premises and equipment that are up to date.
Ensure compliance with health and safety legislation.
Manage inventory of supplies and bank equipment including generators, Air Conditioners, vault doors and safes, ATMs and firefighting equipment.
Prepare BQ’s and tender specifications as required in relation to specialist items installations.
Prepare repair specifications, select suitable contractors to carry out the works and prepare maintenance tender documents.


Desired Skills and Experience


A bachelor’s degree in mechanical engineering from a recognized university.
1 years’ experience in a similar role and good knowledge in Air-conditioning and Refrigeration will be an added advantage.
Good understanding of Health and Safety regulations as stipulated in the Law, knowledge of the contract law, and arbitration related to building construction.
Highly flexible, on call 24/7 with the ability to travel to distant branches when required (Must have a valid driving license) and willing to put in extra hours to ensure jobs are completed on schedule and to specification.
Excellent business skills and knowledge of managing budgets, leading a team and liaising with suppliers. more

The Role

Specifically, the successful jobholder will be required to:


Provide support to the Bank in construction, project management, maintenance and security of the Bank’s capital assets in particular Bank premises with emphasis on construction issues.
Manage and oversee routine scheduled maintenance work and respond to equipment faults and carry out quality inspections on... jobs.
Ensure proper contracting, cost management and value management for Bank’s construction, refurbishment and maintenance projects.
Work closely with key internal and external stakeholders to develop cost reduction strategies and implementation plans.
Supervise projects in liaison with the Bank’s consultants, to successful completion within the shortest period as may be agreed from time to time.
Manage construction costs in the new outlets and other refurbishments as may be agreed from time to time.
Prepare/Review blank bills of quantities and other tender documents to be issued to contractors for tendering.
Liaise with procurement team and external consultants on all tender processes including shortlisting of contractors, tender invitations, tender opening and tender evaluation.
Prepare valuations for in-house projects, evaluate and monitor payments to contractors at various stages of construction.
Ensure complete and proper documentation of all on-going and completed projects such as contracts, performance bonds, and all necessary documentation.
Prepare repair specifications, select suitable contractors to carry out the works and prepare maintenance tender documents.


Desired Skills and Experience


A bachelor’s degree in Building Economics or equivalent
1 years’ experience in a similar role is an added advantage.
Strong Preventive and Active maintenance skills, Construction & Project Management skills
Excellent communication, analytical and interpersonal skills.
Excellent business skills and knowledge of managing budgets, leading a team and liaising with suppliers.
Ability to build strong relationships across the organization.
Advanced report writing and presentation skills.
Sound ability to prioritize, time-manage, and honor deadlines. more

The Role

Specifically, the successful jobholder will be required to:


Provide oversight of all analysis and approval of credit proposals from all Lending Units, Treasury, and any other department/unit that will expose the Bank to credit risk in its daily activities as well as oversee the review of Bank, Insurance companies and other treasury limits annually when required.
Ensure that all... appraisal decisions meet the agreed SLA and quality standards and escalate any adverse observations to the Director-CMD
Ensure compliance to Bank Loan policies, lending guidelines and Government regulations in collaboration with the lending units and other departments within CMD as well as coordinate the Environment and Social risk management, policy implementation, reporting and capacity building.
Work closely with the Director – CMD to maintain appropriate credit risk management culture
Attend all credit committee meetings as scheduled or agreed and provide timely and organized responses to internal customer proposals and escalate any complex internal customer issues to the Director – CMD and other relevant authorities accordingly.
Manage all staff of the department and ensure they are adequately resourced and well-skilled to perform their roles.
Maintain and develop professional and technical knowledge by attending and contributing to training programs, educational workshops, reviewing professional publications, establishing personal networks and participating in professional structures & studies.


Desired Skills and Experience


A Bachelor’s degree in a Business-related field from a recognized university with a Certification in Credit management or Analysis.
At least 7 years’ experience in Credit Analysis 5 of which must be in a Senior/Management role within Corporate Credit Risk Analysis.
Good knowledge of the Banking Act, Bank Operating procedures as well as business trends and thorough knowledge of CBK Lending guidelines
Excellent Communication, Presentation and report writing skills
Excellent Credit Risk underwriting, Complex Credit structures, Financial Institution Risk analytics skills and Treasury Credit solutions.
Superior leadership, management and co-ordination skills with the ability to influence positively and engage direct and indirect reports and peers.
Customer focused & results oriented. more

The role

The successful jobholder will be expected to:


Analysis of credit proposals from business units and make a decision on the same day.
Recommend appropriate credit decisions to Credit approvers for final decision.
Escalate unusual issues or issues raising concern to the Head – Corporate Credit Risk Analysis Department.
Keep up to date records of all cases received, analyzed... and decisions by prompt update of tracker.
Advise Credit Administration Department/ business unit of decisions same day.
Keep abreast with economic, industry and business trends to facilitate quality analysis of credit applications.
Document issues identified as causes of weak appraisals from business units – both policy and procedure.
Train business units credit staff on credit analysis procedures
Ensure all lending proposals are within the bank’s credit policy & lending guidelines and escalate any exceptions
Ensure any policy breaches are properly authorized at the correct level.
Highlight to Head – Corporate Credit Analysis Department any necessary changes to the Bank’s credit policy and procedures.
Provide timely and clear responses to the various business units as per the agreed SLAs.
Strict adherence to all regulations, statutes, standards, practices and all internal processes and procedures as per the   relevant manuals and comply with all relevant external legislation and regulations with regard to Compliance requirements.
Ensure that all risk management requirements within your remit are addressed and where necessary escalated through the defined available channels.


Qualifications, Skills & Attributes

The successful jobholder will be required to possess the following qualifications: –


A university degree in a Business-Related field from a recognized university with at least 7 years banking experience 5 of which in Corporate Credit Risk underwriting or Corporate Credit origination
A thorough knowledge of the Banking Act, the Bank’s credit policy, Prudential guidelines, Environmental and Social Risk Management and lending guidelines with good understanding of related products and services Plus Credit & Financial analytical skills.
Ability to identify, analyze, condense and articulate complicated ideas and findings briefly and clearly.
Excellent Credit risk underwriting skills
A good knowledge of business trends and the business environment.
A general awareness of the Bank’s vision and focus especially in relation to Business Development & management of risks more

The Role

 Specifically, the successful jobholder will be required to:


Ensure accurate preparation and timely submission of all statutory reports
Ensure Reclassification of Loan portfolio book as per Prudential Guidelines.
Ensure external questionnaire by CBK, KBA and DFI’s are returned on time.
Review changes to data values and meanings.
Review data model, architectures and... specifications.
Assess and determine whether business applications meet data requirements.
Facilitate the resolution of data issues. Then communicate and promote the value of data.
Ensure compliance by frequent review of provision requirement for loans
Advise the finance department on Provision requirements on the impaired loan
update & recalibrate IFRS9 model computation of ECL, as well as run & configure the EIR model.
Dealing with the Bank External Lenders regarding Credit issues
Handle external lenders and ensure compliance on Covenants and reports
Monitor repayment schedules, rates, follow-up on rebates
Follow-up & ensure all recommendations with regards to credit review is implemented
Carry out data analysis as requested by the Lenders
Notify, implement & monitor prevailing variable base rates: e.g. CBR as per changes / Base lending rate
Forensic reconciliation of accounts to ensure nil over/under charge of interest.
Design and develop risk grading methodologies for MSME and Personal loans for use in risk-based pricing.
Revenue assurance.
Advise finance on monthly manual schedule interest
Strict adherence to all regulations, statutes, standards, practices and all internal processes and procedures as per the relevant manuals and comply with all relevant external legislation and regulations with regard to Compliance requirements.


Skills, Competencies and Experience

 The successful candidate will be required to have the following skills and competencies:


A bachelor’s degree in business related field from a recognized University with at least three years working experience.
Advanced Computer skills especially in Microsoft Office Applications as well as analytical skills.
Thorough understanding of The Credit Policy and Prudential Guidelines
Business Development skills and Understanding of the core banking system preferably Finacle system
Excellent in IFRS 9 and Loan portfolio reporting
Personal organization and thoroughness coupled with the ability to work under minimum supervision with good Judgment and decision-making skills. more