Principle Accountabilities


Present, promote and sell products to existing and prospective customers.
Establish, develop, and maintain positive business and customer relationships.
Reach out to customer leads through cold calling and continuously improve through feedback.
Expedite the resolution of customer problems and complaints to maximize satisfaction.
Deliver the agreed upon... sales targets and outcomes within agreed timelines.
Coordinate sales effort/activations with team members and other departments.
Analyze the territory/market’s potential, track sales and status reports.
Supply management with reports on customer needs, problems, interests, competitive activities and potential for new products and services.
Keep abreast of best practices and promotional trends.
Any other duties as may be assigned from time to time. 


Key Competencies and Skills


Excellent communication, negotiation and interpersonal skills.
Prioritizing, time management and organization skills.
Ability to work under pressure.
Excellent problem solving and decision-making skills.
Knowledgeable with industry’s rules and regulations.
Results driven and customer focused.
Basic understanding of the insurance industry and products. 
Relationship management skills and openness to feedback.


Minimum Qualifications, Knowledge and Experience


Diploma from a reputable institution. Bachelor's degree or equivalent will be an added advantage.
Certificate of proficiency in Insurance (COP).
ACII or AIIK or progress towards the same will be an added advantage.
Proven work experience as a Sales Representative.
Excellent knowledge of MS Office.
Ability to create and deliver presentations tailored to the audience needs. more

Principle Accountabilities


Design and document operational manuals and procedures.
Undertake the day-to-day management of the Bank’s database platforms.
Ensure that all the assigned bank information technology platforms keep pace with technological innovations and developments as a way of protecting investment in technology.
Manage relationships with all technology-based service... providers as a way of ensuring that uptimes are optimized.
Evaluate, plan, implement and maintain the assigned Bank’s information technology and telecommunication system and projects within agreed time and budget constraints.
Develop and manage a Business Continuity Plan and Data Security Plan for the appropriate systems (including IT Operations) in order to guarantee continuation of services at all times.
Increase computer awareness and literacy among staff to enhance skills base and productivity. 
Ensure appropriate controls and monitoring mechanisms to keep information technology operations and services in place despite power outages and telecommunication failures.
Monitor and manage service user complaints to ensure maintenance of the highest standards of service.
Organize, manage and motivate fellow staff members and partners whenever assigned to projects or incidences through establishment of suitable structures and implementing development programs to optimize competence and productivity.
Ensure appropriate MIS are produced for IT and the bank’s management.
As a member of various systems related committees and projects, take a proactive role in influencing policy and the strategic direction of the Bank.


Key Competencies and Skills

Technical Competencies


Takes a structured and effective approach to own work and demonstrates leadership potential.
Is able to analyze, diagnose, plan, execute and evaluate work to time, cost and quality targets, exhibiting familiarity with available tools, standards and procedures and making correct choices from alternatives.
Effective communicator, able to guide and advise clients and business partners.
Astute at planning for mission critical production activities.
Proficiency with the following Oracle and Microsoft database technology stack;
Good understanding of SOA-centric concepts and technologies, authentication and data security.
Self-empowerment to enable development of open communication, teamwork and trust that are needed to support true performance and customer-service oriented culture.
Knowledge and experience with ITIL as a best practice framework for Systems Development.


General Competencies


Team Work and Interpersonal skills.
Leadership Skills.
Demonstrate Integrity and Professionalism.
Good communication Skills both written and Verbal 


Minimum Qualifications, Knowledge and Experience

Education


University Degree in technology related field – Upper second or equivalent.
Database Management Certification in Oracle is a must.
Proficiency in project management or ITIL.


Experience


At least 7 years' experience in supporting IT systems in general.
Minimum of 4yrs experience in Database Administration with an OCP certification.
At least 2 years’ experience in Sybase, MySQL, MsSQL, Azure Cloud, PostgreSQL with proven experience in installing, setup, support and troubleshooting modern database.
At least 4 years on Oracle and 2 years on MS-SQL in a high availability environment.
At least 2 years’ experience working in UNIX and windows environment.
At least 2 years’ experience in Storage and Backup management.
At least 2 years of experience in Data Warehousing and ETL concepts.
At least 2 years of experience in Banking Operations is desired.
Thorough experience in formal Software Lifecycle methodology, design and administration of RBMSs.
Experience in Sybase (or SAP Hanna) will be an added advantage. more

Principle Accountabilities


Create systematic and consistent lead generation from project marketing efforts, cold calling, referrals, lead generation services and other forms of media. All engagements to be on the CRM.
Ensure that all client engagements from prospecting to closure are on the CRM.
Conduct surveys to identify price of competing properties on the real estate market and relay... the same to their supervisor.
Provide periodic (daily, weekly and monthly) sales reports (client pipeline) to company management on sales operations and generated returns using CRM systems.
Build and maintain relationships with clients by providing support, information and guidance through the entire customer journey.
Participate in the promotion of property sales on organized events such as expos, site activations, mall activations among others.
Follow up and ensure the preparation and approval of documents such as booking forms, offer letters, sale agreements and transfer documents.
Upload customer payment evidence on the CRM for validation.
Ensure customer payment plans are followed up and all collections done on time.
Achieve 85% compliance to customer payment plans. Issue cancellation notices through the CRM as per policy.
Ensure all mortgage clients are identified early, their mortgage applications created and tracked centrally.
Ensure compliance with real estate laws and policies when conducting property sales.
Act with high levels of professionalism in all client engagements.


Key Competencies and Skills


Excellent communication, influencing and negotiating skills.
Astute sales skills.
High integrity.
A strong team player.
Ability to perform with minimal supervision.
Ability to adopt a flexible approach to meet targets and the needs of the business.


Minimum Qualifications, Knowledge and Experience


Diploma or degree in Business Administration, Marketing or a related field.
A competent user of the Internet, Microsoft Outlook, Microsoft Word, Microsoft PowerPoint and Microsoft Excel.
At least 2 years’ experience working as a Marketer/Sales Executive, in the real estate sector.
Experience in using customer relationship management tools.
Proven track record of sales.
Own network of potential leads.
Experience in handling high net-worth clients. more

Principle Accountabilities

Budgeting, Forecasting & Performance Management


Lead the budgeting, forecasting, and long-term financial planning processes.
Oversee monthly and quarterly performance reviews, variance analysis, and business insights for senior management.
Ensure timely preparation and distribution of monthly rolling forecasts for business units and legal entities.
Partner... with business units to provide financial analysis and advisory support for strategic projects and investments.
Ensure timely and accurate segment reporting.
Own intra-company cost allocation frameworks and models.
Own inter-company cost recharge frameworks and models and ensure tax efficiency.


Balance Sheet & Capital Management


Manage balance sheet planning and capital optimization, including liquidity optimization in collaboration with Treasury and GM Finance.
Ensure that the bank has an effective ICAAP.
Own the Funds Transfer Pricing (FTP) processes.
Oversee preparation of ALCO, EXCO and board papers.
Prepare debt funding pitch decks


Financial Controls & Governance


Drive cost management initiatives, ensuring efficiency and alignment to strategic objectives.
Develop and maintain financial control frameworks across functions.
Build strong financial governance processes that support compliance with internal policies and regulatory requirements.
Ensure timely departmental policies reviews.
Oversee model governance for all models developed and managed in Finance.
Perform and oversee revenue assurance.
Maintain and update KPIs tracker for the Finance division.


Accounts Payable, Receivable & Reconciliations


Ensure vendors are paid timely and with optimal credit terms.
Ensure GL reconciliations are timely and that outstanding issues resolved promptly.
Ensure that the trial balance (TB) can be relied upon by all users.
Ensure accuracy of the Fixed Asset Register and its associated depreciation schedules
Ensure accurate maintenance of receivables records and reconciliations


Financial Information System


Ensure implementation of set system improvements (SAP and its integrations)
Collaborate with IT to ensure EoD processes are supportive of finance processes
Ensure GL variance between systems is resolved on a timely basis


Decision Support


Ensure timely and accurate preparation of dashboards and KPIs.
Provide thematic guidance to modelling teams.
Strengthen finance business partnership.
Review quarterly competitor analysis and present to management.
Create a roadmap for Robotic Process Automation (RPA) in Finance and collaborate with Innovations and IT teams.


Audits


Facilitate internal audits
Collaborate with Head of Financial & Regulatory Reporting to facilitate external audits
Ensure closure of internal and external audit findings


Team Management


Design a talent development program for the team
Ensure time performance measurement and management for the team
Mentor the team


Ad-hoc


Any other duty as assigned from time to time by the Finance and HFC leadership


Key Competencies and Skills


Results-oriented
Strong negotiation skills
High emotional intelligence
Excellent interpersonal skills
Highly analytical
Problem solving skills
Good communicator & excellent presentation skills
Team player


Minimum Qualifications, Knowledge and Experience

Academic and Professional


A business-related degree from a reputable institution preferably Finance, Accounting, Banking, data science or a related quantitative field.
CPA(K)
CFA, FRM, FRR, CIFA certifications will be an added advantage


Experience and Technical Skills


A minimum of 12 years’ experience in banking with hands on experience finance, internal audit, external audit, financial risk management, strategy.
4 years should be at management level.
Hands on experience in finance leadership
Experience in board relations
Experience in CBK relations more

Principle Accountabilities


Assist in development of the annual budget and the medium-term strategic plan
Ensure timely budget variance reporting to all the departments
Preparation of ALCO, EXCO and board papers
Supporting ALM decisions with analysis and modeling
Updating and revising asset pricing models
Revenue assurance
Monitor the cash holding across the branch network for... liquidity optimization
Ensure continuous revenue assurance and recommend opportunities to grow and diversify the business unit revenue
Preparation and timely distribution of segment reports to various departments
Prepare the monthly and annual budgets and rolling forecast for the business units and legal entities highlighting drivers expected to impact the business and the corrective actions required
Automating Finance Processes- Robotic Process Automation
Business performance analysis and presentation/sharing thereof to the leadership teams
Together with other departments develop the annual ICAAP
Help the head of unit to implement and monitor prudential capital management by setting capital KPIs for capital consumers and aligning ICAAP process with actual business strategy
Championing the FTP processes
Supporting partnerships between business unit and the finance department across all the departments
Budgeting and Budget control- Ensure the annual budgeting is done and continuously ensure budgetary discipline is adhered to by all departments
Conducting cost/benefit analysis as required and preparing comparative, analytical reports on the performance of the bank, Group and branches and reporting results to executive and management staff.
Conduct quarterly competitor analysis
Any other duty as assigned from time to time by the Finance and HFC leadership


Key Competencies and Skills

General Competencies


Results oriented
Excellent interpersonal skills
Highly analytical
Problem solving skills
Good communicator & excellent presentation skills
Team player


Minimum Qualifications, Knowledge and Experience

Academic & Professional


A business-related degree from a reputable institution preferably Finance, Accounting, Banking, data science or a related quantitative field.
CPA(K)
CFA, FRM, FRR, CIFA certifications will be an added advantage


Experience & Technical


A minimum of 7 years’ experience in banking with hands on experience in performance measurement and management, finance or financial risk management. 
2 year should be at supervisory or management level.
Hands on experience in financial planning or performance management
Experience in senior management relations
Strong appreciation of accounting principles
Excellent Ms Excel skills
Strong Data & BI skills including SQL, EDW, PowerBI, Python, R
Team and or People Management more

Principle Accountabilities


Customer Experience
Manage all escalations related to diaspora support.
Identify customer needs not met by existing products and the implementation of new products  and services.
Utilize the customer relationship management system aimed at customer acquisition, retention and maximizing on every relationship. 
 Manage the diaspora customer email... -diaspora@hfgroup.co.ke
Ensure customers are well supported on e-channels uptake to promote utilization.
Ensure first contact resolution for all queries directed to you.
Achieve departmental NPS score of 60.
Collate customer feedback through interviews and online surveys to ensure that we meet customer expectations.
Follow-up on diaspora SLAs and TAT
Notify client about deposit renewals
Financial Performance
Educate clients on the features and benefits of all products
Cross sell products to clients based on the needs.
Support the diaspora Relationship Managers with account opening, loan processing, customer transactions and handling customer queries
Operational Effectiveness and Support 
Assist in management of NPL for diaspora segment in collaboration with RMS. 
Assist plan for diaspora engagements including webinars, activations, trips and events.
Close gaps/lapses identified; take corrective and preventative actions identified by audit, risk and compliance reviews; investigations or other assessment mechanisms within the agreed time frame. 
Prepare and submit reports to the relevant stakeholders within agreed format and timelines 
100% adherence to policies, procedures and statutory guidelines. Minimize exposure to bank wide risks; enforce zero tolerance to non-compliance with KYC and AML regulations
Achieving a ‘Good’ audit rating for the Diaspora Banking Proposition ensuring prompt thorough closure of all audit exceptions sited. 
People, Learning and Growth
Proactively manage own learning and development.
Deliver performance objectives set. Institute immediate corrective action where performance is below par. 
Championing team training on matters related to homeward proposition. 


Key Competencies and Skills


Technical Competencies
Knowledge of Banking and Business Operations:
Compliance and Regulatory Framework:
Conceptual and Analytical Skills:  
Product Knowledge
Business Acumen
Financial Acumen
Customer Engagement (internal & external)
Digital
Leadership
Commercial Banking
Industry Knowledge
Credit Analysis


Minimum Qualifications, Knowledge and Experience

Academic: 


Bachelor’s degree from a recognized accredited university. 
Certificate of Proficiency in Insurance (COP) will be an added advantage. 
Being a CISI fellow is an added advantage. 


Professional: 


3-4 years’ working experience in a Customer Management role. 
In-depth knowledge of the local and Diaspora Banking industry, banking products, banking services and banking regulations. Sound working knowledge and understanding of general commercial regulations and practices.  
Appreciation of Diaspora Banking as a proposition. 
Interaction/Understanding of CRM tools. more

Principle Accountabilities

Sales Leadership


Lead recruitment, onboarding, training, coaching, and mentoring of a high-performing sales team (digital team sales leaders and digital property sales advisors).
Set clear individual and team sales goals, empowering teams to achieve set targets.
Oversee daily team huddles using CRM dashboards and hold weekly one-on-one sessions and growth... plans with direct reports.
Manage productivity, performance, and consequence management for direct and indirect reports in line with set turnaround times (TATs).
Foster a positive team culture built on collaboration, accountability, and continuous improvement.


Marketing & Business Development


Establish and operationalize affordable housing site offices to drive on-ground sales and client engagement.
Set up Affordable Housing Desks in each branch as dedicated client touchpoints.
Design and implement annual marketing calendars with campaigns, activations, and events aligned to project timelines and targets.
Develop strategic sales playbooks, brochures, scripts, and presentations to support lead generation and conversion.
Monitor and analyze global and local real estate market trends, competitor activities, and advise management on emerging opportunities.
Collaborate with marketing, operations, admin, finance, and project management teams to deliver aligned business initiatives.


Operations & Compliance


Oversee and ensure effective use of the CRM system to track, manage, and optimize customer interactions and sales data.
Train team members on CRM best practices to ensure accurate and timely data entry for insights and improved customer engagement.
Ensure compliance with local laws, regulations, and company policies such as KYC, AML, and risk & compliance standards.
Act as the point of escalation for client issues, resolving concerns promptly to maintain satisfactory audit ratings and an NPS above 70%.


Stakeholder Engagement & Reporting


Build and maintain strong relationships with key stakeholders including customers, vendors, regulators, and internal teams.
Travel to project sites and branches for site visits, activations, events, and networking as needed.
Collaborate with cross-functional bank teams to cross-sell mortgages, current and savings accounts, digital financing solutions, and other bank products.
Provide regular reports to senior management on sales progress, project performance, and achievement of affordable housing targets.


Key Competencies and Skills

Technical Competencies


Proven work experience as a Property Sales Manager or equivalent.
Knowledge of CRM software and Microsoft Office Suite.
Experience with Boma Yangu Portal will be an added advantage.
Solid customer service attitude with excellent negotiation skills.
Knowledge of KYC/AML compliance requirements.
Knowledge of TCF (Treating Customers Fairly) principles.
Astute product knowledge.
Commercial acumen and prospecting skills.
Analytical skills.
Capability of managing multiple teams across multiple projects.


Leadership Competencies


Performance Management.
Strategic orientation.
Stakeholder influence and management.
Result orientation.
Strong communication and team management skills.
Strength in problem solving, issue-resolution and ability to work in a deadline-driven work environment.


Minimum Qualifications, Knowledge and Experience

Academic & Professional


Bachelor’s Degree in a Business-related field or any relevant field.
Membership with Estate Agents Registration Board is critical requirement.


Experience


A minimum of 7 years of relevant sales experience, 3 of which must be in a team management role.
Proven and successful ability to lead a group of sales personnel towards growth in enhanced sales volumes and enhanced revenue generation.
Experience in handling clients across all the income bands.
Own database of potential leads built over time. more

Principle Accountabilities

Business planning and growth


Drive achievement of set targets through customer growth and retention across all lines.
Plan, drive and monitor the Banca sales strategies through segment focus, customer focus needs-based selling.
Develop and refine sales toolkits, client materials and training to reflect the various target proposition.
Performance... Management- Run daily, weekly and monthly reviews with the sales staff to ensure the Teams are constantly engaged and ahead of targets.
Cost management and Revenue Generation.
People management.
Implement effective HR standards and strategies, manage succession plan, and retain key talent, constant discipline in performance management.
Motivate, Coach and Energize the sales staff positively to deliver the best results.
Engage the team in constant Training to address training needs, implement training road maps to ensure an engaged Team.


Operational risk controls and procedure


Implement processes to prevent mis-selling, misrepresentation, fraud and adherence to customer data confidentiality principles.
Ensure the team adheres to all KYC guidelines and procedures, comply with local regulatory requirements, reflect best practices.
Ensure the team complies with all applicable money laundering prevention procedures and, in particular, report any suspicious activity to the Principal Officer.
Tracking and monitoring of TAT for the segment and working with stakeholders to ensure targets are met.


People Management & administration


Manage the sales staff by providing ongoing individual coaching and training to assure ensure achievement of sales goals, member retention and deepening member relationships.
Continuous review & appraisal of sales staff performance and immediate corrective action.
Ensure sales staff are motivated for maximum productivity.
Cultivate a team culture that enhances support for each other to ensure overall productivity.
Arrange, conduct or recommend appropriate training for branch staff to enable them carry out their duties effectively & efficiently.
Ensure discipline and adherence to staff code of ethics by sales staff.
Ensure planned leave schedule & execution for branch sales staff.


Key Competencies and Skills


Computer/IT skills, including knowledge of Microsoft office applications e.g., Word; Excel; PowerPoint etc.
General knowledge in banking processes.
Experience business development, negotiation, and relationship management skills.
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; must have eye for details, strong ability to scrutinize and examine.
Ability to maintain confidentiality of sensitive information.
Willingness to adapt to changing business needs and deadlines.


Minimum Qualifications, Knowledge and Experience

Academic & Professional


Bachelor’s degree in Business, Finance, Insurance, Banking, Economics, or a related field from a recognized institution.
Certificate of Proficiency is mandatory.


Experience


Minimum of 3 years’ experience in sales management within the Insurance Industry.
In depth knowledge of bancassurance products, insurance regulations, and the banking environment.
Demonstrate ability to drive business growth, portfolio expansion and profitability. more

Principle Accountabilities

Corporate Strategy & Execution


Lead the design, refresh, and implementation of the Group’s corporate strategy.
Cascade strategic goals into divisional plans, KPIs, and performance scorecards.
Ensure alignment between the Group’s long-term vision and operational execution.
Monitor external trends and advise the executive team on strategic... adjustments.


Growth, Innovation & Transformation


Identify new growth opportunities across business lines, markets, and channels.
Partner with the COO and Innovation Director to drive the Group’s innovation and digital transformation agenda.
Encourage experimentation, rapid prototyping, and continuous improvement.
Oversee strategic project portfolio, ensuring alignment with priorities and ROI.


Business & Financial Performance


Track Group performance against strategy using robust dashboards and KPIs.
Collaborate with the CFO and CRO to ensure financial sustainability and risk balance.
Optimize cost structures, operating models, and channel strategy for efficiency.


Data & Analytics Leadership


Spearhead enterprise-wide data and analytics strategy and governance.
Promote data-driven decision-making through insights, predictive analytics, and automation.
Oversee development of performance scorecards, customer insights, and operational analytics.


Research & Market Intelligence


Lead research into industry trends, competition, regulatory shifts, and customer behavior.
Translate research insights into actionable recommendations.
Guide corporate development, M&A, and new business model design.


Strategic Partnerships & Stakeholder Engagement


Engage development finance institutions (DFIs), impact investors, and regulators.
Support strategic communications with the board, shareholders, and external partners.
Coordinate capital raising and blended finance efforts aligned with strategic priorities.


ESG & Sustainability


Integrate ESG and climate risk into Group strategy and operations.
Drive adoption of sustainable finance instruments (e.g., green bonds, ESG-linked loans).
Align the Group with global ESG disclosure frameworks and impact metrics.


Change Management & Culture


Lead major transformation programs, ensuring organizational buy-in and sustained impact.
Develop and implement change management frameworks.
Foster a culture of agility, innovation, accountability, and continuous learning.


Key Competencies and Skills


Strategic Foresight & Planning: Ability to synthesize complex information into actionable strategic plans and anticipates future trends and translates them into business opportunities.
Business Acumen: Assesses the commercial viability of new business and financial opportunities, proactively looks for breakthrough opportunities that will dramatically generate new returns and seizes opportunities to build revenues and maximize profitability.
Leadership & Influence: Strong executive presence with ability to align cross-functional teams and influence stakeholders at all levels.
Innovation & Digital Fluency: Deep understanding of digital transformation, emerging technologies, and innovation processes.
Analytical & Data-Driven Decision Making: Strong quantitative and qualitative analytical skills. Proficient in working with data science, financial models and business analytics tools.
Execution & Results Orientation: Demonstrated track record of driving performance improvement and delivering outcomes.
Stakeholder & Relationship Management: Excellent communication, negotiation, and stakeholder engagement skills.


Minimum Qualifications, Knowledge and Experience


Master’s degree in Business Management, Strategy, Innovation, Technology Management or a relevant field.
Over 10+ years’ working experience, 5+ of which will be in a Senior management position.
Proven experience in strategic planning, innovation strategy or technology leadership roles.
Proven ability to navigate in enabling enterprise-wide digital transformation, re-imagining business models, and leveraging emerging technologies.
Track record of attaining targets of business growth and profitability in the financial services / banking sector and/or in FMCG sector.
Have appreciation and operating knowledge of the local and regional financial services industry, market and global trends and challenges.
Sound understanding of statutory and regulatory requirements of corporate governance, business and financial services. more

Principle Accountabilities


Deal with all requests to access files and keep logs of borrowed Employee files.
Develop an efficient filing system to make updating and retrieving files easier.
Check incoming paperwork and make sure they are stored in the respective files.
Set up and review documentation records systems.
Prepare, scan, reassemble and index documents.
Sort all papers... alphabetically and according to content, dates, significance etc.
Create or update records with new files and information.
Store all paperwork in designated places securing the important documents.
Enter paperwork into an electronic system either by data entry or by using optical scanners.
Monitor inventory of files, confidential documents and report shortages.
Advise on new records management policies, providing a framework to guide the staff in the management of their records and use of Documents Management.
Locate and isolate outdated or unnecessary records ready for disposition or transfer to the archive according to the Records Management policy.
Find, retrieve and disburse information from files in response to phone or physical requests from authorized staff.
Keep complete and accurate records of documents requested, filed or removed, using appropriate physical and electronic registers as well as tracking documents removed from files to employees that requested files/documents are returned after use for proper storage.
Ensure compliance with relevant legislation and regulations on confidentiality and Data.
Follow policies and confidentiality dictations to safeguard data and information.
Carry out regular records Audit to ensure all documents & staff files are well secured and accounted for.
Any other duty that may be assigned by the Line Supervisor, Head of HR or any authorized officer.


Key Competencies and Skills

Technical Competencies


IT Skills.
Data entry skills.
Digital record management skills.


General Competencies


Results oriented.
Good command of English both oral and written.
Dependable with a respect to confidentiality and policies.
Excellent interpersonal skills.
Negotiation skills.
Team player.
High integrity.
Discretion.


Minimum Qualifications, Knowledge and Experience


Bachelor’s degree in Records Management or related field.
Proven experience as a records officer or file clerk.
Knowledge of filing systems.
Very good knowledge of MS Office and office equipment such as photocopier, scanner etc.
Good command of English both oral and written.
Dependable with a respect to confidentiality and policies. more

Principle Accountabilities

Relationship Management & Customer Service


Provide High Net Worth (HNW) clients with personalized service so as to develop close relationships, achieve maximum profitable contribution for the client and the bank, and build client loyalty.
Identify financial and non-financial requirements of HNW clients by conducting financial needs analysis.
Ensure clients... are aware of all the Privileges & Solutions offered under Ultimate Banking (for UB Clients)
Ensure clients are aware of all financial services offered by the bank- drive full service bank agenda.
Use systems effectively for customer contact management, sales and service activity.
Ensure delivery of service promise for improved customer satisfaction levels.
Minimize client attrition.
Ensure set Complaint Management processes are followed and TATs are met.


Business Development


Source New Business from Personal Banking & Ultimate Banking clients through referrals, marketing activities and personal contacts.
Develop the Ultimate Banking customer base and expand the unit’s business growth through marketing of the Ultimate banking products and services.
Enhance HF Ultimate Banking & Personal Banking sales/ revenues and promote cross selling of bank products to all existing clients.
Achieve Revenue goals, Sales and Portfolio growth targets across a range of products and services.
Achieve Product Holding per customer growth targets
Ensuring revenue growth through customer acquisition, new need identification, product cross-sell and re-engineering increased product usage for existing clients.
Participate in SME and Institutional Bank customer calls for marketing initiatives.
Drive segment based focus products agenda and conduct branch product trainings.
Complete training programs allocated in line with your Role.


Controls


Ensure that the target market selection criterion is adhered to and that we are in full compliance with Know Your Customer (KYC) and Anti Money Laundering (AML) requirements.
Strong responsibility for ethical selling to customers with complete disclosure about products and services.
Ensure Portfolio allocated is closely monitored and actions recommended are diligently executed.
Ensure required approvals are obtained before authorizing payments.
Monitor overdrawn accounts/ overdue loans  and follow up for clients to regularize.
Ensure accounts are not overdrawn without authorization.
Adhere to set processes and procedures.


Key Competencies and Skills

Technical Skills


Knowledge of Banking and Business Operations: Well round knowledge of ALL the Bank’s operations and processes and excellent knowledge of Bank policies and procedures
Audit Standards and Legislations: Good knowledge of International Accounting and Audit Standards, and Legislations.
Compliance and Regulatory Framework: Good understanding of the regulatory issues, reporting and operational requirement as provided by CBK, KRA, KIB, etc.
Conceptual and Analytical Skills: Ability to quickly grasp and understand systems and keen to detail.
Intricate understanding of products pertaining to HNW customers both internal and external (competitors).
Basic market knowledge of various investment vehicles / markets/ economics.
Strong interpersonal skills and appreciation for diversity.
Team player with ability to train, develop and mentor junior staff.
Relationship Management skills.
Networking Skills.


Personal Attributes


Communication and Interpersonal Skills: Ability to build rapport easily with customers, have well developed oral and report-writing skills, and have the ability to work individually and as part of a team.
Results and Achievement Oriented: strives to achieve results, enjoys measuring others, being measured, and being judged on performance standards.
Personal Ethics: Must be honest, fair, just but firm with himself, and of high integrity.
Negotiation Skills: Must be a good negotiator, particularly in changing behavior and work practices but always seek a Win/Win outcome.
Extrovert/ Amiable personality. 


Minimum Qualifications, Knowledge and Experience

Academic & Professional Qualifications


Bachelor’s degree in a business related field.
Master’s Degree will be an added advantage.
Retail Banking Associate (RBA UK).
Customer Relationship Management Course.
CISI Certified Level 1 will be an added advantage.


Experience


Minimum 3 years’ experience in similar job with a financial services institution. more

Principle Accountabilities


Create systematic and consistent lead generation from project marketing efforts, cold calling, referrals, lead generation services, and other forms of media. All engagements must be on the CRM.
Ensure that all client engagements, from prospecting to closure, are in the CRM.
Conduct surveys to identify the prices of competing properties on the real estate market... and relay the same to their supervisor.
Provide periodic (daily, weekly and monthly) sales reports (client pipeline) to company management on sales operations and generated returns using CRM systems.
Build and maintain relationships with clients by providing support, information, and guidance through the entire customer journey.
Participate in the promotion of property sales at organized events such as expos, site activations, and mall activations, among others.
Follow up and ensure the preparation and approval of documents such as booking forms, offer letters, sale agreements and transfer documents.
Upload customer payment evidence to the CRM for validation.
Ensure customer payment plans are followed up on and all collections are done on time.
Achieve 85% compliance with customer payment plans.
Issue cancellation notices through the CRM as per policy.
Ensure all mortgage clients are identified early and their mortgage applications are created and tracked centrally.
Ensure compliance with real estate laws and policies when conducting property sales.
Act with high levels of professionalism in all client engagements


Key Competencies and Skills


Excellent communication, influencing and negotiating skills.
Good organization and administrative skills.
High integrity.
A strong team player.
Ability to perform with minimal supervision.
Ability to adopt a flexible approach to meet targets and the needs of the business.


Minimum Qualifications, Knowledge and Experience

Academic Qualifications


Higher National Diploma or Degree in Business Administration, Marketing, or a related field.
A competent user of the Internet, Microsoft Outlook, Microsoft Word, Microsoft PowerPoint, and Microsoft Excel.


Experience


At least 1 year of experience working as a marketer or sales executive in the real estate sector.
Experience in using customer relationship management tools. more

Principle Accountabilities

Core Development


Frontend Development: Design and develop responsive, high-performance user interfaces using TypeScript and modern frontend frameworks.
Backend Integration: Collaborate with Django backend systems to ensure seamless API integration and data flow.
Performance Optimization: Implement efficient frontend solutions that handle complex financial... data visualization and real-time analytics.


Data Analytics & Visualization


Interactive Dashboards: Build and maintain executive-level dashboards .
Embedded Analytics: Support in democratization of Data access across the group.
Predictive Modelling Interface: Create user-friendly interfaces for advanced data analytics and predictive modelling tools.
Customer Insights: Implement personalization features and customer insight visualization components.


Automation & Process Improvement


Python Automation: Develop and maintain Python-based automation scripts for ETL, ELT data processing and report generation.
Scorecard Automation: Lead the complete automation of Balanced performance Team Scorecards.
Back-Office Integration: Design and implement automation solutions
Support Routine Data Migration into the warehouse: Support the migration and automation.
Digitized and Scheduled Report Delivery.
Implementation of Self-Updating Dashboards and Reports.
Automation of Business Intelligence Reporting Workflows.


Strategic Initiatives


Data Strategy Implementation: Support the execution and adaptation of bank-wide data strategy initiatives.
Design and Deployment of Mission-Critical Platforms: Cost origination platform or other key strategic platforms.
Data Warehouse Development and Integration: Collaborate on data warehouse development of data initiatives : Data consolidation, robust data validation, cleansing, and transformation, develop scalable foundation for data models(AI, ML, business Intelligence applications), Adoption initiatives.
Business Intelligence Reporting: Development of executive-level business insight reports.


Key Competencies and Skills

Technical Competencies


Financial dashboards, KPIs, and performance metrics development (translating business requirements into technical solutions)
Knowledge of data architecture, BI solutions, and cost/profitability analysis.
Application of automation and data visualization best practices:
Regulatory reporting, compliance, and audit, financial operations, risk management and compliance awareness.
Design Thinking: Ability to apply design thinking principles to problem-solving and user experience design.


General Competencies


Strong problem-solving and analytical thinking.
Effective collaboration and stakeholder engagement.
Attention to detail with high-quality solution delivery.
Proven project management and strong organizational skills in fast-paced, dynamic environment.
Demonstrated ability to lead technical teams and mentor junior developers.


Minimum Qualifications, Knowledge and Experience

Academic & Professional Qualifications


Bachelor’s degree in Computer Science, Software Engineering, or a related field.
Certification in relevant data tools or project management methodologies (e.g., Data Analytics, Tableau, Power BI, Agile, Python proficiency, Collaborative development workflows, Testing frameworks) is an advantage.


Experience


Experience with automated testing frameworks and CI/CD pipelines.
Financial Sector Experience: Exposure to banking, fintech, or financial services preferred. more

Principle Accountabilities

Financial


Responsible for the achievement of Recoveries portfolio targets including collections, recoveries, case life and impairment management as per performance development plan
Lead detailed negotiations with customers, sometimes in conjunction with other internal & external stakeholders, regarding the agreement to, and implementation of, strategy, e.g.... Settlement proposals, etc.
Responsibility of negotiating and recommending settlement proposals of all NPL loans, including recommending write offs to the appropriate authority
Lead proactive formulation and implementation of strategies on recoveries/ managed exits.
Manage relationships with customers in a manner which, through professional communication of often uncomfortable messages manages customer satisfaction and enhances the HFC Brand.
Manage politically sensitive customers and recover debts from them in a professional manner which leaves a good impression of them about the bank
Act as a reference point for Recoveries and credit teams for discussions on specific cases
Ensure appropriate recovery is achieved and generally provide pragmatic and effective legal support to general management and business functions on impaired debts of the bank
Manage the achievement of service levels and quality including setting up Service Level agreements with internal providers and monitoring performance against them on a regular.


Internal business processes


Ensure that the necessary credit and other sanctions/approvals are obtained at the right levels for strategies, expenditure and impairments whenever necessary.
Manage the provisioning process in line with Bank and Regulatory policy for the Recoveries portfolio.
Monitor the relationships with the bank’s service providers, especially with regards to service level agreements with them.
Ensure that all NPL files are properly maintained and have up to date file notes.
Ensure data integrity is maintained.
Manage relationships with external service providers such as liquidators, executors, Auctioneers Lawyers, messengers of court, accountants, receivers, judicial managers, valuators etc. who provide services to matters in Recoveries.
Progress the recovery of debts on NPL classified Recoveries accounts and ensure their compliance with local regulatory requirements and the bank’s internal procedures.
Actively manage debtors, to ensure business and banking risk issues are addressed in a timely manner.
Develop network of contacts internally and also with local external professionals in order to maximise effectiveness in assisting customers
Ensure satisfactory internal and external audits.
Transfer account responsibility out of team when appropriate.


Customer


Work closely with clients and RM's with a focus on the recovery of each vulnerable account or exposure in the NPL portfolio.
Make customer visits and attend meetings held at/off Bank premises where appropriate.
Participate in strategy setting with internal and external Stakeholders to ensure that the appropriate Recoveries plan is adopted.


Key Competencies and Skills

Technical competencies:


Excellent knowledge of data analysis and forecasting models,
Solid analytical and decision-making skills, Leadership abilities
Advanced computer software skills, including Excel and financial reporting software
Knowledge of MS Office and core banking system
Strong performance in recoveries especially of Special Asset portfolio
Good negotiating and influencing skills
Good credit risk and analytical skills
Good relationship management skills
Strong communication skills with emphasis on good listening skills.
Strong planning, coordination and time management skills
Strong commercial skills.
Proven capabilities in problem solving, situational analysis, creativity, negotiation and decision making.
Strong knowledge of banking laws and regulations, Central Bank prudential and risk management guidelines.
Strong financial analysis and loan underwriting and project management skills.
High level of technical competence in conducting financial analysis.
Maintain a thorough knowledge of credit services and a complete understanding of Credit Policy and Procedures.
Ability to work as a team on a number of simultaneous projects.


General competencies:


Performance Oriented
Goal driven and results oriented
Personal Ethics
Excellent written and verbal communication skills,
Report/proposal writing skills and presentation skills.
Great interpersonal skills with ability to interact with key stakeholders.
Must be a self-starter with ability to see, grasp and advice on opportunities, recommending areas of improvements.


Minimum Qualifications, Knowledge and Experience

Education:


Bachelor’s degree in a business management discipline in either of Finance, Business, and Economics, Mathematics / Statistics or related field from a reputable institution.
Master’s Degree in Finance, Economics, Commerce, Accounting or any other equivalent and relevant qualification from a recognized university added advantage


Experience:


10 years’ experience in financial environment with three in management level
Comprehensive banking background and extensive experience in credit appraisal and loan portfolio management.
Experience in engaging C-level management and senior executives in facilitating decision-making and reporting. more

Principle Accountabilities


Reviewing and identifying accounts NPL and recommending the best plan of action for resolution.
Implementing approved remedial plans and monitoring performance of accounts to ensure that the allocated portfolio is rehabilitated.
Ensuring that NPL accounts are rehabilitated and adverse risk classification is reduced.
Conducting customer call visits to access... business performance for SMEs and Corporate clients and filing call visit reports for management use.
Ensure accurate Recoveries Progress Reports (CPR) that is detailed on assigned portfolio are generated and reviewed per prescribed frequency.
Reduction of monthly loan provisioning amounts from current average as prescribed.
Coordinating with external service providers e.g. brokers, auctioneers, valuers and insurance companies on the recovery process for assigned accounts where applicable as per TAT.
Receiving, reviewing and filing all loan related documents for continuous usage and access.


Key Competencies and Skills

Technical competencies:


IT Skills
Basic principles of banking and lending


General competencies:


Analytical
Communication skills
Interpersonal skills
Team player
Core Credit Skills competencies – Credit Administration, Portfolio monitoring and Evaluation.
Well conversant with all the credit function roles.


Minimum Qualifications, Knowledge and Experience

Education:


University degree Upper 2nd Class Honors or 3.0 GPA in Credit management or Business related field.


Experience:


5 years’ experience, 3 of which should be in credit / lending in a debt management / Recoveries functions or credit analysis. more

Principle Accountabilities


Design and document operational manuals and procedures.
Undertake the day-to-day management of the Bank’s database platforms.
Ensure that all the assigned bank information technology platforms keep pace with technological innovations and developments as a way of protecting investment in technology.
Manage relationships with all technology-based service... providers as a way of ensuring that uptimes are optimized.
Evaluate, plan, implement and maintain the assigned Bank’s information technology and telecommunication system and projects within agreed time and budget constraints.
Develop and manage a Business Continuity Plan and Data Security Plan for the appropriate systems (including IT Operations) in order to guarantee continuation of services at all times.
Increase computer awareness and literacy among staff to enhance skills base and productivity.
Ensure appropriate controls and monitoring mechanisms to keep information technology operations and services in place despite power outages and telecommunication failures.
Monitor and manage service user complaints to ensure maintenance of the highest standards of service.
Organize, manage and motivate fellow staff members and partners whenever assigned to projects or incidences through establishment of suitable structures and implementing development programs to optimize competence and productivity.
Ensure appropriate MIS are produced for IT and the bank’s management.
As a member of various systems related committees and projects, take a proactive role in influencing policy and the strategic direction of the Bank.


Key Competencies and Skills

Technical competencies:


Takes a structured and effective approach to own work and demonstrates leadership potential.
Is able to analyze, diagnose, plan, execute and evaluate work to time, cost and quality targets, exhibiting familiarity with available tools, standards and procedures and making correct choices from alternatives.
Effective communicator, able to guide and advise clients and business partners.
Astute at planning for mission critical production activities.
Proficiency with the following Oracle and Microsoft database technology stack;
Good understanding of SOA-centric concepts and technologies, authentication and data security.
Self-empowerment to enable development of open communication, teamwork and trust that are needed to support true performance and customer-service oriented culture.
Knowledge and experience with ITIL as a best practice framework for Systems Development.


General competencies:


Team Work and Interpersonal skills,
Leadership Skills
Demonstrate Integrity and Professionalism
Good communication Skills both written and Verbal
Core Value


Minimum Qualifications, Knowledge and Experience

Education:


University Degree in technology related field – Upper second or equivalent
Database Management Certification in Oracle is a must.
Proficiency in project management or ITIL.


Experience:


At least 7 years' experience in supporting IT systems in general.
Minimum of 4yrs experience in Database Administration with an OCP certification.
At least 2 years’ experience in Sybase, MySQL, MsSQL, Azure Cloud, PostgreSQL with proven experience in installing, setup, support and troubleshooting modern database.
At least 4 years on Oracle and 2 years on MS-SQL in a high availability environment
At least 2 years’ experience working in UNIX and windows environment.
At least 2 years’ experience in Storage and Backup management.
At least 2 years of experience in Data Warehousing and ETL concepts.
At least 2 years of experience in Banking Operations is desired
Thorough experience in formal Software Lifecycle methodology, design and administration of RBMSs.
Experience in Sybase (or SAP Hanna) will be an added advantage. more

Principle Accountabilities


Support the development and documentation of operational procedures and manuals related to database and backup operations, ensuring consistency and adherence to IT policies.
Assist in the day-to-day administration of the Bank’s database platforms, including routine monitoring, troubleshooting, patching, and user support.
Stay informed on emerging database... technologies and contribute insights on upgrades or enhancements to maintain efficiency and security of the Bank’s data systems.
Coordinate with service providers for database, backup, and storage solutions to ensure service uptime and timely support resolution.
Participate in planning and implementation of assigned IT and database-related projects, ensuring tasks are delivered within scope, time, and budget.
Support the implementation and testing of Business Continuity Plans and Data Security policies related to database systems to ensure high availability and data protection.
Promote database usage awareness among staff, offering guidance or training to enhance proper system use and data handling practices.
Ensure proper monitoring and alerting mechanisms are in place to maintain database uptime during system or power interruptions.
Log, monitor, and escalate user issues or complaints regarding database access or performance to ensure timely resolution and service satisfaction.
Collaborate with colleagues and vendors on incidents or projects, contributing positively to team efforts and supporting knowledge sharing.
Assist in the preparation of regular Management Information System (MIS) reports related to database usage, performance, and incidents.
Provide input to IT committees and projects where database expertise is required, contributing to discussions on system improvements and strategy.


Key Competencies and Skills

Technical competencies:


Takes a structured and effective approach to own work and demonstrates leadership potential.
Is able to analyze, diagnose, plan, execute and evaluate work to time, cost and quality targets, exhibiting familiarity with available tools, standards and procedures and making correct choices from alternatives.
Effective communicator, able to guide and advise clients and business partners.
Astute at planning for mission critical production activities.
Proficiency with the following Oracle and Microsoft database technology stack;
Good understanding of SOA-centric concepts and technologies, authentication and data security.
Self-empowerment to enable development of open communication, teamwork and trust that are needed to support true performance and customer-service oriented culture.
Knowledge and experience with ITIL as a best practice framework for Systems Development.


General competencies:


Team Work and Interpersonal skills,
Leadership Skills
Demonstrate Integrity and Professionalism
Good communication Skills both written and Verbal


Minimum Qualifications, Knowledge and Experience

Education:


University Degree in technology related field – Upper second or equivalent
Database Management Certification in Oracle is a must.
Proficiency in project management or ITIL.


Experience:


At least 2 years' experience in supporting IT systems in general.
Minimum of 2yrs experience in Database Administration with an OCA certification.
At least 1 years’ experience in Sybase, MySQL, MsSQL, Azure Cloud, PostgreSQL with proven experience in installing, setup, support and troubleshooting modern database.
At least 2 years on Oracle and 1 years on MS-SQL in a high availability environment
At least 1 years’ experience working in UNIX and windows environment.
At least 1 years’ experience in Storage and Backup management.
At least 1 years of experience in Data Warehousing and ETL concepts.
At least 1 years of experience in Banking Operations is desired
Thorough experience in formal Software Lifecycle methodology, design and administration of RBMSs.
Experience in Sybase (or SAP Hanna) will be an added advantage. more

Principle Accountabilities


Develop and implement scalable applications and integrations using React.js, Spring Boot, PostgreSQL, and other technologies, ensuring alignment with business goals and customer needs.
Collaborate closely with Product Owners, Business Analysts, and Solution Architects during the requirements engineering phase to understand and document both functional and... non-functional requirements.
Collaborate with scrum teams to translate work items, user stories, and business requirements into clean, maintainable code, ensuring that each feature is delivered according to Agile practices. 
Work alongside the Enterprise Architecture teams to evaluate product requirements, designing robust architectures and solutions that adhere to organizational policies and industry best practices.
Be accountable for the full software development lifecycle, from requirements definition and solution design review to user test planning, defect tracking, and ensuring timely and high-quality delivery of applications and software solutions.
Specify and ensure application controls are integrated during the design phase to mitigate risk exposure and maintain system integrity.
Analyze and resolve software defects and bugs, contributing to the continuous improvement of system performance, availability, scalability, fault tolerance, and resilience in production environments.
Design, develop, and execute comprehensive unit test plans, conducting unit and scenario testing to ensure the quality and functionality of application code bases.
Partner with Technology Operations and Support teams to ensure smooth system handovers, providing necessary documentation and formulating operational level agreements for level 3 support.


Key Competencies and Skills


Strong Communication and Interpersonal Skills - Clearly articulates technical concepts to both technical and non-technical audiences.
Teamwork and Cross-Functional Collaboration
Problem-Solving Skills -Tackles complex development challenges with a logical and solution-oriented approach.
Adaptability and Flexibility - Comfortable switching between front-end and back-end tasks and adapting to new frameworks or technologies as needed.
Attention to Detail -Ensures UI/UX precision and backend reliability, catching bugs before they escalate.
Customer/User Focus -Builds features with the end-user experience in mind, balancing design, functionality, and performance.
Critical Thinking and Decision-Making -Makes informed architectural and design decisions by evaluating pros and cons of different approaches.


Minimum Qualifications, Knowledge and Experience


Bachelor’s degree in Information Technology, Computer Science, or a related discipline from a recognized university.
3+ years of full-stack software development experience, with a proven track record of building scalable, efficient web applications in dynamic, fast-paced environments.
Proficiency in React.js, Spring Boot, and Java, with extensive experience in developing modern web applications and backend services.
Experience with Python, showcasing flexibility in using multiple backend technologies.
Hands-on experience with PostgreSQL, MySQL, and MSSQL databases, including expertise in database design, optimization, and maintenance.
Experience with Kafka and ActiveMQ, utilizing these messaging platforms for efficient queuing and integration in distributed systems.
Proficiency with GitHub, Jenkins, or Azure DevOps, with a strong focus on source code management, deployment automation, and CI/CD pipeline maintenance.
At least 2 years of hands-on experience with configuration management and deployment tools such as Puppet, Ansible, Chef, or Terraform, automating infrastructure provisioning and software deployment.
Solid experience in developing CI/CD pipelines, utilizing tools like Azure DevOps, Jenkins, and Bamboo to streamline development workflows and ensure continuous delivery.
Experience with containerization technologies such as Docker and Kubernetes, ensuring the efficient deployment and scaling of applications in containerized environments.
Experience with cloud platforms, particularly Azure, to deploy and manage scalable, secure, and cost-effective cloud-based solutions.
Strong background in Agile environments, emphasizing test-driven development (TDD), iterative delivery, and close collaboration with scrum teams to deliver high-quality software.
Experience with banking systems is a plus, demonstrating familiarity with financial services, regulatory requirements, and integration with core banking applications. more

Principle Accountabilities


Design and implement scalable, high-performance backend applications and microservices using Spring Boot, Python, and PostgreSQL, ensuring alignment with both business goals and customer needs.
Collaborate closely with Product Owners, Business Analysts, and Solution Architects during the requirements engineering phase to clearly understand and document both... functional and non-functional requirements for backend systems.
Work alongside scrum teams to translate user stories, work items, and business requirements into well-structured, maintainable code, ensuring that each feature is delivered with efficiency and precision according to Agile practices.
Design and optimize databases (PostgreSQL, MySQL, MSSQL), implementing advanced indexing, query tuning, and replication strategies to maintain high availability and optimal performance in production environments.
Implement event-driven architectures using Kafka and ActiveMQ, enabling efficient asynchronous processing and seamless system integrations.
Be accountable for the entire software development lifecycle, from initial requirements gathering and solution design review to user test planning, defect tracking, and ensuring the timely delivery of reliable backend services.
Integrate robust application controls during the design phase to mitigate risk exposure, ensuring that security, data integrity, and compliance standards are upheld throughout the system lifecycle.
Analyze and resolve software defects and performance bottlenecks, contributing to continuous improvement efforts aimed at increasing system resilience, fault tolerance, and scalability in production environments.
Design, develop, and execute unit and integration tests, conducting thorough testing to ensure that backend code is reliable, secure, and high-performing. Focus on maintaining high standards of Test-Driven Development (TDD).
Collaborate with Enterprise Architecture teams to evaluate product requirements and design backend architectures that adhere to organizational policies, industry best practices, and compliance standards.
Partner with Technology Operations and Support teams to ensure smooth system handovers, providing comprehensive documentation, and establishing Operational Level Agreements (OLAs) for Level 3 support to ensure seamless ongoing maintenance.


Key Competencies and Skills


Problem-Solving & Critical Thinking -Ability to debug complex issues methodically.
Analytical mindset to weigh trade-offs (e.g., performance vs. scalability).
Strong Communication and Interpersonal skills
Collaboration & Teamwork skills
Adaptability & Learning Agility - Keeping up with new technologies/tools (e.g., transitioning from monoliths to microservices).
Handling shifting priorities in agile environments.
Business Acumen -Understanding how backend work impacts ROI (e.g., cost optimization in cloud infra).


Minimum Qualifications, Knowledge and Experience


Bachelor’s degree in Information Technology, Computer Science, or a related discipline from a recognized university.
3+ years of backend software development experience, with a proven track record of building scalable, efficient backend services and systems in fast-paced, dynamic environments.
Proficiency in Spring Boot, Java, and Python, with extensive experience developing modern backend services and integrating them with web applications.
Hands-on experience with PostgreSQL, MySQL, and MSSQL databases, including expertise in database design, optimization, and maintenance for high-performance, scalable systems.
Experience with messaging platforms like Kafka and ActiveMQ, utilizing these technologies for asynchronous processing, queuing, and system integration in distributed architectures.
Proficiency with GitHub, Jenkins, or Azure DevOps, focusing on source code management, automated deployments, and maintaining CI/CD pipelines to ensure smooth development workflows.
At least 2 years of hands-on experience with configuration management and deployment tools such as Puppet, Ansible, Chef, or Terraform, enabling automated infrastructure provisioning and deployment.
Solid experience in developing CI/CD pipelines, using tools like Azure DevOps, Jenkins, and Bamboo, to streamline development processes, ensuring timely and high-quality delivery.
Experience with containerization technologies such as Docker and Kubernetes, ensuring efficient deployment, scaling, and management of applications in containerized environments.
Experience with cloud platforms, particularly Azure, for deploying and managing scalable, secure, and cost-effective cloud-based solutions and services.
Strong background in Agile environments, with a focus on Test-Driven Development (TDD), iterative delivery, and close collaboration with cross-functional teams to ensure high-quality software development.
Experience with banking systems is a plus, demonstrating familiarity with financial services, regulatory compliance, and integration with core banking applications more

Principle Accountabilities


Develop and execute test plans, ensuring comprehensive coverage of backend services, APIs, and frontend applications in an Agile environment.
Automate functional, regression, and integration tests using frameworks such as Selenium, JUnit, TestNG, and Cypress to ensure consistent, repeatable testing.
Validate backend services by testing RESTful APIs and GraphQL... integrations using tools like Postman, SoapUI, and RestAssured.
Perform database testing on PostgreSQL, MySQL, and MSSQL, ensuring data consistency, integrity, and validation across different database transactions.
Work with development teams to write detailed test cases and provide feedback on issues found during testing, following Agile practices and sprint cycles.
Conduct performance testing to ensure backend services and web applications meet scalability, load handling, and response time requirements using tools like JMeter and Gatling.
Work with containerized applications in Docker and Kubernetes environments, ensuring compatibility and functionality in these infrastructures.
Implement continuous integration testing using CI/CD tools such as Jenkins, Azure DevOps, and GitHub to ensure automated tests are integrated into the build pipeline.
Track and report defects using tools such as Azure DevOps, ensuring clear communication and resolution of issues with development teams.
Collaborate with Product Owners, Business Analysts, and Solution Architects to understand business requirements and ensure that testing aligns with user stories and acceptance criteria.
Participate in Agile ceremonies such as sprint planning, retrospectives, and daily standups to ensure alignment with development teams and continuous improvement of testing processes.
Ensure compliance with security standards, performing vulnerability assessments and working with developers to address identified security concerns.


Key Competencies and Skills


Strong communication and collaboration skills, working effectively with cross-functional teams to resolve defects and improve software quality.
Attention to Detail -Detects bugs, inconsistencies, and edge cases through thorough testing and analysis.
Analytical skills - Evaluates software behavior systematically and applies logic to troubleshoot and isolate issues.
Communication Skills - Clearly documents defects and testing outcomes; collaborates effectively with developers and cross-functional teams.
Problem-Solving Ability - Diagnoses root causes and suggests practical, quality-focused solutions.
Quickly adapts to new tools, technologies, or changing requirements in agile or DevOps environments.
Maintains confidentiality and objectivity in reporting defects or risks to stakeholders.


Minimum Qualifications, Knowledge and Experience


Bachelor’s degree in Information Technology, Computer Science, or a related discipline from a recognized university.
3+ years of experience in quality assurance, with a focus on testing backend services, web applications, and APIs in an Agile environment.
Proficiency in test automation frameworks such as Selenium, JUnit, TestNG, Cypress, or similar tools for automated testing.
Experience with RESTful APIs and GraphQL testing using tools like Postman, SoapUI, or RestAssured.
Solid experience with databases like PostgreSQL, MySQL, and MSSQL, performing database validation, query optimization, and testing of data integrity.
Hands-on experience with CI/CD pipelines, integrating test automation into workflows using Jenkins, Azure DevOps, and GitHub.
Experience with containerization technologies like Docker and Kubernetes for testing in containerized environments.
Knowledge of performance testing tools such as JMeter, Gatling, or Locust to assess system scalability, load handling, and performance under stress.
Experience with Agile/Scrum methodologies, and Test-Driven Development (TDD), ensuring continuous delivery and high-quality code.
Experience with defect tracking tools like Jira, TestRail, or Zephyr, with a focus on clear communication and detailed documentation of issues and resolutions.
Experience with security testing to ensure compliance with security standards and industry best practices (e.g., OWASP).
Experience with banking systems is a plus, demonstrating familiarity with financial applications, regulatory compliance, and system integrations more