PURPOSE:

The role is responsible for managing the credit exposure of clients within the group – not limited to East Africa. Responsibilities include credit analysis, and active monitoring of the portfolio to identify and mitigate credit risks. The role holder will work in conjunction with other functions within the group in arriving at informed decisions through an understanding of the credit,... structure and profitability features of each relationship.

PRIMARY RESPONSIBILITIES:


Provide independent &/ consultative credit risk sign-off on credits and deal driven credit requests, or recommend for approval to approving authority(s)
Analyse, structure and execute large and complex credits; facilitate annual credit reviews of the same.
Manage a portfolio of credits within the Groups client base according to laid out portfolio parameters.
Promote the development of good client relationships in line with the Group’s portfolio strategy and norms.
Automation & Streamlining of the credit underwriting process across the Group.
Guide a group of credit analysts and relationship managers across the regions, ensuring quality assurance and timely delivery, while being responsible for their coaching, training, mentoring and supervision.
Provide Independent credit risk support to Product and Relationship partners in the Group through the provision of an efficient and effective credit process; advice on origination and structuring of credits; and guidance on industry and geographic related trends and developments.
Provide risk guidance and coaching to members of the Regional Credit team and to business partners.
Ensure that the credit process is compliant with the institutional norms and requirements including but not limited to internal audit, external auditors and regulators.
Demonstrate technical expertise, strong understanding of products and associated risks
Work closely with the Regional Credit functions to assist in all regulatory requirements and regulatory requests for East Africa, including any credit risk aspects of subsidiary submissions to the Regulator.
Understanding of the countries covered, including the respective local market, key clients, local market conditions and the capabilities and practices of our competitors.
Create and sustain a network of strong partnerships with the business (relationship and product management) and other risk functions
Support in activities impacting regulatory requirement and credit risk, for example Internal Capital Adequacy Assessment Plan (ICAAP), IFRS9 activities, risk based pricing and other related activities.
Maintaining and developing own knowledge and understanding of I&M Group credit policies and procedures
Managing deteriorating credits (including preparation of classified reports and setting of triggers and action plans)
Using various systems resources and tools, perform portfolio management tasks including portfolio reporting, rapid portfolio reviews, stress tests and regulatory reporting
Managing change – identifying new/best practices – implementing such changes, working as a team
From time to time, undertaking certain ad hoc projects; participating in Fundamental Credit Reviews and Line Reviews; providing training on Risk topics to colleagues


PERSON SPECIFICATIONS

Competencies:


Excellent analytical and structuring skills - Able to manage large volume deal flow; Proficient analytical skills that are applicable across different industries, products and customer classes. Coach, mentor and lead direct reports to develop team strengths and improve on weaknesses.
Problem Recognition - Ability to proactively manage risk and identify negative trends.
Training and Coaching – ability to effectively coach and train direct reports/juniors.
Macroeconomic and Political Environment - Proactively and transparently adjusts risk appetite for changes in country risk.
Decision-Making and Approval: Makes decisions (using well-reasoned judgment) under pressure and in a timely manner. Focuses and guides the priorities of others; Incorporates capital and P&L implications into decision-making process;
Solid organizational skills with ability and willingness to work under pressure and manages time and priorities effectively


Academic Qualifications


Undergraduate degree
Additional risk training/qualification an advantage
Appropriate Post-Graduate qualification will be an advantage
Fluent English (read, write and speak) more
  • Finance
  • Accounting
  • Audit

  • Jonathan Otieno

    11h

    Kindly share your resume plus a cover letter
    to josephotieno.dr@gmail.com

    Regards.

PURPOSE:

The role is responsible for managing the credit exposure of clients within the group – not limited to East Africa. Responsibilities include credit analysis, credit approval, and active monitoring of the portfolio to identify and mitigate credit risks. The role holder will work in conjunction with other credit functions within the group in arriving at informed decisions through an... understanding of the credit, structure and profitability features of each relationship.

PRIMARY RESPONSIBILITIES:


Automation & Streamlining of the credit underwriting process across the Group.
Analyze, structure and execute large and complex credits; facilitate annual credit reviews of the same.
Manage a portfolio of credits within the Groups client base according to laid out portfolio parameters.
Promote the development of good client relationships in line with the Group’s portfolio strategy and norms.
Provide independent &/ consultative credit risk sign-off on credits and deal driven credit requests, or recommend for approval to approving authority(s)
Lead and coordinate a group of analysts across the regions, ensuring quality assurance and timely delivery, while being responsible for their coaching, training, mentoring and supervision.
Provide Independent credit risk support to Product and Relationship partners in the Group through the provision of an efficient and effective credit process; advice on origination and structuring of credits; and guidance on industry and geographic related trends and developments.
Provide risk guidance and coaching to members of the Regional Credit team and to business partners.
Ensure that the credit process is compliant with the institutional norms and requirements including but not limited to internal audit, external auditors and regulators.
Demonstrate technical expertise, strong understanding of products and associated risks
Work closely with the Regional Credit functions to assist in all regulatory requirements and regulatory requests for East Africa, including any credit risk aspects of subsidiary submissions to the Regulator.
Legal, Regulatory, Compliance proficiency in supervising and managing fiduciary, disclosure, legal/regulatory documentation as appropriate
Understanding of the countries covered, including the respective local market, key clients, local market conditions and the capabilities and practices of our competitors.
Create and sustain a network of strong partnerships with the business (relationship and product management) and other risk functions
Support in activities impacting regulatory requirement and credit risk, for example Internal Capital Adequacy Assessment Plan (ICAAP), IFRS9 activities, and other Basel related activities.
Maintaining and developing own knowledge and understanding of I&M Group credit policies and procedures
Managing deteriorating credits (including preparation of classified reports and setting of triggers and action plans)
Using various systems, resources and tools, perform portfolio management tasks including portfolio reporting, rapid portfolio reviews, stress tests and regulatory reporting
Managing change – identifying new/best practices – implementing such changes, working as a team
From time to time, undertaking certain ad hoc projects; participating in Fundamental Credit Reviews and Line Reviews; providing training on Risk topics to colleagues


PERSON SPECIFICATIONS

Competencies:


Excellent analytical and structuring skills - Able to manage large volume deal flow; Proficient analytical skills that are applicable across different industries, products and customer classes. Coach, mentor and lead direct reports to develop team strengths and improve on weaknesses.
Problem Recognition - Ability to proactively manage risk and identify negative trends.
Training and Coaching – ability to effectively coach and train direct reports/juniors.
Macroeconomic and Political Environment - Proactively and transparently adjusts risk appetite for changes in country risk.
Decision-Making and Approval: Makes decisions (using well-reasoned judgment) under pressure and in a timely manner. Focuses and guides the priorities of others; Incorporates capital and P&L implications into decision-making process;
Solid organizational skills with ability and willingness to work under pressure and manages time and priorities effectively


Academic Qualifications


Undergraduate degree
Additional risk training/qualification an advantage
Appropriate Post-Graduate qualification will be an advantage
Fluent English (read, write and speak) more
  • Finance
  • Accounting
  • Audit
1   

  • Jonathan Otieno

    11h

    Kindly share your resume plus a cover letter
    to josephotieno.dr@gmail.com

    Regards.

Job Purpose/Summary

The Senior Manager, Projects will be responsible for the strategic leadership, planning, and execution of complex projects and programs. This role ensures that all projects are delivered on time, within scope, and in alignment with business goals. The position also plays a critical role in shaping project governance, driving stakeholder engagement, and fostering continuous... improvement within the project management office (PMO).

Responsibilities/Duties/Tasks

Project/Program Delivery


Define and document project scope, objectives, and key performance indicators (KPIs) in collaboration with stakeholders.
Lead cross-functional teams to deliver high-impact projects, ensuring alignment with the organization’s business goals and compliance requirements.
Oversee the execution of project plans, including budgeting, scheduling, resource allocation, and risk management.
Ensure effective project integration by coordinating with other departments and external vendors to achieve seamless delivery.
Monitor project performance, employing data-driven insights to optimize project outcomes and ensure efficient resource use.
Conduct project reviews and lessons-learned sessions to identify improvement areas and implement best practices.


Project Governance & Compliance


Develop and implement robust project governance frameworks, ensuring that all projects adhere to established standards and regulations.
Establish project closure protocols, ensuring that financial documentation, regulatory compliance, and project outcomes are properly reviewed and recorded.
Lead periodic reviews to assess project performance against budget, scope, and timeline, providing regular updates to senior management and steering committees.
Foster a culture of continuous improvement, ensuring that learnings from project delivery are incorporated into future initiatives.
Recommend and enforce project risk management strategies, utilizing the Risk, Assumptions, Issues, and Dependencies (RAID) framework to mitigate potential project challenges.


Stakeholder Management


Build and maintain strong relationships with both internal and external stakeholders, including vendors, partners, and senior leadership, to ensure project buy-in and alignment.
Collaborate with key stakeholders to identify and prioritize project needs, ensuring their interests are addressed throughout the project lifecycle.
Proactively communicate project progress, risks, and issues to stakeholders, ensuring transparency and alignment at all stages.
Facilitate project steering committee meetings and other governance forums, ensuring stakeholders are well-informed of project developments and key decision points.


Decision-Making & Accountability:


Strategic Decision-Making: Make critical project-related decisions, including vendor selection, resource allocation, and project prioritization.
Financial Accountability: Responsible for managing project budgets, ensuring cost-efficiency while delivering on project objectives.
Risk & Issue Resolution: Identify, assess, and mitigate project risks while escalating key issues to senior leadership when necessary.


Qualifications:


Education: Bachelor’s Degree in Project Management, Business Administration, or related discipline. Master’s degree is a plus.
Certifications: PMP, PRINCE2, or other relevant project management certifications. Agile or Scrum certification is an advantage.
Experience: Minimum of 8-10 years of project management experience, with at least 5 years in a senior leadership or strategic role.
Industry Knowledge: Extensive experience managing large, complex, multi-stakeholder projects, ideally within the financial services, technology, or infrastructure sectors.
Technical Skills: Proficiency in project management tools (e.g., MS Project, Jira, Asana), budget management software, and risk management frameworks.


Skills & Competencies:


Leadership: Proven ability to lead, motivate, and manage cross-functional teams to deliver successful projects.
Strategic Thinking: Ability to align project goals with broader organizational strategy and make decisions that drive long-term value.
Problem-Solving: Strong analytical skills with the ability to anticipate challenges, devise solutions, and adjust plans accordingly.
Stakeholder Management: Excellent communication, negotiation, and conflict resolution skills, with the ability to manage multiple stakeholders with competing priorities.
Risk Management: Strong risk assessment and mitigation capabilities, with experience implementing the RAID framework.
Adaptability: Ability to thrive in a fast-paced, dynamic environment, managing multiple projects concurrently. more
  • Project Management
Job Purpose/Summary

The Assistant Manager - PMO will responsible for managing the successful delivery of short- and medium-term projects within the organization, ensuring that business requirements are met through adherence to approved scopes, schedules, and budgets. This role involves coordinating various project management functions including planning, execution, stakeholder management, and... process improvement. The Assistant Manager will also guide the definition of business requirements, ensure the effective management of resources, and facilitate timely completion of all project deliverables in collaboration with senior managers and cross-functional teams.

Responsibilities/Duties/Tasks

Project Delivery


Lead the preparation of project initiation documents and gather approvals from stakeholders.
Collaborate with technical and business stakeholders to define scope and deliverables for projects.
Manage procurement processes, including evaluation and selection of vendors, and negotiation of contracts in collaboration with relevant teams.
Ensure adherence to project management processes and guidelines, driving quality assurance across all deliverables.
Coordinate the development of test approaches, test cases for user acceptance testing (UAT), and monitor the UAT process.
Provide visibility and regular communication to project stakeholders on progress, milestones, and potential risks.


Lead Change and Implement Project Governance


Prepare and ensure proper change documentation, including managing data migration, UAT, and obtaining approvals for changes.
Oversee post-project transition, ensuring smooth cut-over and service stabilization.
Facilitate project closure activities, including the preparation of final reports and reviews of lessons learned.


Stakeholder Management


Engage with various stakeholders, including senior managers and project teams, ensuring alignment and regular communication.
Manage stakeholder expectations and support project teams in resolving impediments.
Coordinate with stakeholders on resource allocation and strategic decisions related to project implementation.


Decision-Making & Accountability


Recommend budget requirements, project scope, and risk mitigation strategies for ongoing and upcoming projects.
Provide inputs on vendor selection and negotiate contracts.
Lead reporting and documentation of project decisions, timelines, and budget alignment.
Proactively address project issues and escalations by working with cross-functional teams.


Qualifications & Skills


Bachelor’s degree in Project Management, Business Administration, or a related field.
8-12 years of experience in project management, with a strong focus on coordinating cross-functional teams and delivering projects on time.
Certifications in PMP, Agile, or other recognized project management frameworks are preferred.
Strong organizational skills, with the ability to manage multiple projects simultaneously.
Proven leadership and stakeholder management skills. more
  • Project Management
Purpose:
The role will be responsible for selling the bank’s products, meeting customer needs, identifying leads and follow up, building relationships and interacting directly with customers throughout all phases of the sales process.  
Key Responsibilities/Accountabilities
The Incumbent will report to the Team-leader Sales and will be responsible for:

Marketing and selling of banks products... and services to potential customers
Contacting leads and setting up appointments to present bank products.
Assisting the clients in completing forms and submitting them for processing to the various branches.
Attending activations, door to doors and marketing activities that are organised to promote and sell I&M products.
Compiling regular sales reports specifying the number of sales made on daily, weekly, monthly sales quotas.
Efficient follow up on leads and consistent communication with customers to curb client complain and maintain customer satisfaction.
Cross selling to existing clientele

 Person specifications

Diploma/Degree in a business-related field
Relevant work experience as a Sales Representative
Highly motivated and target driven with a proven track record in sales
Excellent selling, negotiation and strong communication 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.
Ability to deliver excellent customer experience to ensure sustainable organic growth of ETB / NTB customers. more
  • Sales
  • Marketing
  • Retail
  • Business Development

  • Jonathan Otieno

    3w

    Kindly share your resume to jonathanotieno.dr@gmail.com
    Regards.

Purpose:
The role will be responsible for selling the bank’s products, meeting customer needs, identifying leads and follow up, building relationships and interacting directly with customers throughout all phases of the sales process.  
Key Responsibilities/Accountabilities
The Incumbent will report to the Team-leader Sales and will be responsible for:

Marketing and selling of banks products... and services to potential customers
Contacting leads and setting up appointments to present bank products.
Assisting the clients in completing forms and submitting them for processing to the various branches.
Attending activations, door to doors and marketing activities that are organised to promote and sell I&M products.
Compiling regular sales reports specifying the number of sales made on daily, weekly, monthly sales quotas.
Efficient follow up on leads and consistent communication with customers to curb client complain and maintain customer satisfaction.
Cross selling to existing clientele

 Person specifications

Diploma/Degree in a business-related field
Relevant work experience as a Sales Representative
Highly motivated and target driven with a proven track record in sales
Excellent selling, negotiation and strong communication 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.
Ability to deliver excellent customer experience to ensure sustainable organic growth of ETB / NTB customers. more
  • Sales
  • Marketing
  • Retail
  • Business Development

  • Jonathan Otieno

    3w

    Kindly share your resume to jonathanotieno.dr@gmail.com
    Regards.

Purpose:
The role will be responsible for selling the bank’s products, meeting customer needs, identifying leads and follow up, building relationships and interacting directly with customers throughout all phases of the sales process.  
Key Responsibilities/Accountabilities
The Incumbent will report to the Team-leader Sales and will be responsible for:

Marketing and selling of banks products... and services to potential customers
Contacting leads and setting up appointments to present bank products.
Assisting the clients in completing forms and submitting them for processing to the various branches.
Attending activations, door to doors and marketing activities that are organised to promote and sell I&M products.
Compiling regular sales reports specifying the number of sales made on daily, weekly, monthly sales quotas.
Efficient follow up on leads and consistent communication with customers to curb client complain and maintain customer satisfaction.
Cross selling to existing clientele

 Person specifications

Diploma/Degree in a business-related field
Relevant work experience as a Sales Representative
Highly motivated and target driven with a proven track record in sales
Excellent selling, negotiation and strong communication 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.
Ability to deliver excellent customer experience to ensure sustainable organic growth of ETB / NTB customers. more
  • Sales
  • Marketing
  • Retail
  • Business Development

  • Jonathan Otieno

    3w

    Kindly share your resume to jonathanotieno.dr@gmail.com
    Regards.

Purpose:
The role will be responsible for selling the bank’s products, meeting customer needs, identifying leads and follow up, building relationships and interacting directly with customers throughout all phases of the sales process.  
Key Responsibilities/Accountabilities
The Incumbent will report to the Team-leader Sales and will be responsible for:

Marketing and selling of banks products... and services to potential customers
Contacting leads and setting up appointments to present bank products.
Assisting the clients in completing forms and submitting them for processing to the various branches.
Attending activations, door to doors and marketing activities that are organised to promote and sell I&M products.
Compiling regular sales reports specifying the number of sales made on daily, weekly, monthly sales quotas.
Efficient follow up on leads and consistent communication with customers to curb client complain and maintain customer satisfaction.
Cross selling to existing clientele

 Person specifications

Diploma/Degree in a business-related field
Relevant work experience as a Sales Representative
Highly motivated and target driven with a proven track record in sales
Excellent selling, negotiation and strong communication 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.
Ability to deliver excellent customer experience to ensure sustainable organic growth of ETB / NTB customers. more
  • Sales
  • Marketing
  • Retail
  • Business Development

  • Jonathan Otieno

    3w

    Kindly share your resume to jonathanotieno.dr@gmail.com
    Regards.

Purpose:
The role will be responsible for selling the bank’s products, meeting customer needs, identifying leads and follow up, building relationships and interacting directly with customers throughout all phases of the sales process.  
Key Responsibilities/Accountabilities
The Incumbent will report to the Team-leader Sales and will be responsible for:

Marketing and selling of banks products... and services to potential customers
Contacting leads and setting up appointments to present bank products.
Assisting the clients in completing forms and submitting them for processing to the various branches.
Attending activations, door to doors and marketing activities that are organised to promote and sell I&M products.
Compiling regular sales reports specifying the number of sales made on daily, weekly, monthly sales quotas.
Efficient follow up on leads and consistent communication with customers to curb client complain and maintain customer satisfaction.
Cross selling to existing clientele

 Person specifications

Diploma/Degree in a business-related field
Relevant work experience as a Sales Representative
Highly motivated and target driven with a proven track record in sales
Excellent selling, negotiation and strong communication 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.
Ability to deliver excellent customer experience to ensure sustainable organic growth of ETB / NTB customers. more
  • Sales
  • Marketing
  • Retail
  • Business Development

  • Jonathan Otieno

    3w

    Kindly share your resume to jonathanotieno.dr@gmail.com
    Regards.

Purpose
The purpose of the job is to engage in conducting credit investigations and collecting delinquent accounts and will communicate all credit related issues to senior management.

The job requires various initiatives and strategy towards recovery across all types of customers and involving various key stakeholders both external and internal including Receivers/Administrator, Law firms,... auctioneers, other business segments, legal, etc.
Submission of the required reports to the BCC, NPA & CRMC Committees in a timely manner and working on provisions.
Review and assessment of CBK & IFRS provisions working for NPA account.
Assessing the level of provisions requirement for all NPA accounts and write offs managed in line with the firm’s policies and procedures including approval.
Liaise directly with clients, third parties and colleagues in other departments to maximize collections performance whilst also ensuring good client outcomes
Deal with processing loan workouts, rescheduling and rehabilitation, acceleration of repayments, enforcement and foreclosures, liquidation and administration of assets and collateral and implementation of various forms recovery strategies.
Ensure satisfactory Internal or External Audit Reports including CBK.
Monitoring, reviewing and reporting the portfolio performance and ensuring proper asset classification and provisioning for loans and advances as well as the analysis and reporting of the quality of the loan book and arresting negative trends.

Governance and Controls, Compliance, and Risk Management

Review of Debt Recovery policy
Submission for third party empanelment and any CBK approval for the same
Compliance of directives form CRMC. BCC and Board
Review of CBK and IFRS provisions for all NPA customers.
Ensure all management reports are submitted accurately and on time.
Seek process improvements and oversees the unit Risk Control Self Assessments (RCSA) for DRU.

Decisions/Recommendations Made Under This Role.
If the decisions are not proper it will lead to Bank incurring financial loss, reputation risk

Respond to credit internal and external Audit queries and provide action plans and execute recommended actions.
Participate in budget development for the loans and loan loss provisions and department initiatives for NPA accounts.
Assessing and review of suitable recovery measure for all NPA accounts such as restructuring, receivership, administration, sale of assets, etc
In-depth analysis of cash flows and financial of the company for appraisal as per credit request from customer and recommending suitable way forward to CRMC/ BCC.
Participate in discussions and decisions in Credit department’s strategies, initiatives, Service Level Agreements designing to achieve the Bank goals set KPIs.

Clients

Reviewing and recommending and amending the Banks panel of service providers with confirmation from CRMC/BCC, the panels include auctioneers, investigators & debt collectors.
Review Service level Agreements with the service providers and manage the agreed timelines and processes and quality of work.
Regular Site visit and discussion with the customers.
Witness on various legal cases on behalf of the Bank
Provision of various responses to Administrator or other stakeholders.

Skills and Competencies

Judgement to balance commercial debt recovery and compliance risks to achieve positive outcomes
Advanced credit, financial analysis banking and good knowledge of prudential guidelines
Good understanding of legal risks and laws applicable to Banking and Finance relating to lending and credits documentation.
Excellent communication and leadership skills with an ability to influence at all levels
Excellent organizational skills
Decision making and problem solving
Have a good network in the banking industry and industry knowledge more
  • Finance
  • Accounting
  • Audit
1