Card Portfolio Management (30%)
Develop and execute strategies to grow the Bank’s card issuing portfolio across retail, SME, and corporate segments.
Manage the full lifecycle of card products, including product design, launch, enhancement, pricing, and retirement.
Drive card acquisition, activation, utilization, and retention initiatives.
Monitor portfolio performance and implement initiatives to increase transaction volumes and fee income.
Recommend and implement innovative card solutions to address evolving customer needs.
Business Growth & Product Development (20%)
Develop annual business plans and growth strategies for the card business.
Identify opportunities for new card products, digital card solutions, and value-added services.
Drive adoption of virtual cards, contactless payments, tokenization, and other emerging payment technologies.
Support cross-selling opportunities across retail, SME, and corporate customer segments.
Scheme & Partner Management (20%)
Manage relationships with card schemes including Visa, Mastercard, UnionPay, and domestic payment networks.
Coordinate scheme initiatives, product certifications, marketing campaigns, and compliance requirements.
Engage with technology partners, processors, and service providers to improve card services and customer experience.
Negotiate commercial arrangements and partnership agreements to optimize value for the Bank.
Operations, Risk & Compliance (10%)
Oversee card issuance processes, transaction monitoring, settlement, reconciliations, and dispute management.
Ensure compliance with regulatory requirements, card scheme rules, and internal policies.
Collaborate with Risk, Compliance, and Fraud teams to strengthen fraud prevention and risk controls.
Monitor card fraud trends and implement mitigation measures to protect customers and the Bank.
Ensure timely resolution of operational and customer service issues.
Customer Experience & Service Delivery (10%)
Develop initiatives to improve cardholder experience and increase customer satisfaction.
Monitor service levels and turnaround times for card issuance and support.
Support customer awareness campaigns on card benefits, security, and usage.
Drive digital adoption through seamless integration of card products with digital channels.
Performance Management & Reporting (10% )
Monitor key business metrics, including card issuance, activation, transaction volumes, revenue, and profitability.
Prepare management reports and business performance reviews.
Track achievement of business targets and recommend corrective actions where required.
Manage budgets and optimize operational efficiency within the card business.
MINIMUM POSITION QUALIFICATION REQUIREMENTS
- Academic & Professional
RQ
Professional QualificationsMerchant Acquiring and card backgroundAA
Masters DegreeBusiness AdministrationAA
- Experience
Total Minimum No of Years Experience Required
6
[1] Need Types are : RQ = Required, AA = Added Advantage
Skills Required
- Bachelor's degree in Banking/Finance or equivalent
- Minimum 6 years relevant experience
- Merchant acquiring and card background
- Master's degree in Business Administration
What We Do
KCB Group, is the largest financial services organization in East Africa in terms of asset size. The Group's headquarters are located in Nairobi, Kenya, with subsidiaries in Kenya, Rwanda, Southern Sudan, Tanzania, Uganda and Burundi. In 2015, KCB Group opened a representative office in Ethiopia, expanding the growth of the organization. The Bank is over 124 years old having started in Mombasa in 1896. KCB Group has over 354 branches, 26,394 Agents/POS Merchants and 1,103 ATMs. The bank also offers Mobile Banking though the KCB App, Internet Banking and Diaspora Banking Services platform that can be accessed 24/7 basis. The Bank services over 26.8 million customers across the region. KCB Group is the largest financial services organization in East Africa, with an estimated asset base of approximately Ksh. 1.02 trillion as at the of end H1 2021.
