KEY RESPONSIBILITIES:
- Ensure compliance with regulatory requirements and internal policies in all digital lending and savings activities.
- Implement robust risk management frameworks to mitigate credit and operational risks associated with digital lending and savings operations
- Champion the delivery of exceptional customer experiences through digital lending channel.
- Monitor customer feedback and leverage data analytics to identify opportunities for enhancing the digital lending and savings user experience.
- Collaborate closely with IT, marketing, risk management, and other departments to ensure alignment and synergy in digital lending initiatives.
- Foster a culture of innovation, collaboration, and continuous learning within the digital lending team.
- Establish key performance indicators (KPIs) to measure the effectiveness of digital lending initiatives to ensure that the NPL (None performing loans) and PAR (portfolio at risk) are within the banks targets.
- Develop and implement a comprehensive digital lending strategy aligned with the bank's overall objectives.
- Identify market trends, customer needs, and technological advancements to continuously enhance digital lending offerings.
- Provide training and development opportunities for team members and all bank staff to enhance their skills and knowledge in digital lending practices, technologies, and regulations.
- Lead the development and enhancement of digital lending products and services. This includes collaborating with cross-functional teams to design user-friendly interfaces, streamline application processes, integrate risk management tools, review business rules and the digital lending scorecards.
- Spearhead the implementation of the initiatives to improve process improvements in the digital lending and savings space.
- Carry out any other duties as may be assigned by the head of department or management.
Skills and Experience:
- Bachelor’s degree in finance, Business Administration, or a related field; advanced degree preferred.
- 4 years of experience in banking
- Proven experience (2 years) in digital lending operations within the banking or financial services industry.
- Strong understanding of digital lending technologies, platforms, and best practices.
- Excellent knowledge of regulatory requirements and compliance standards related to lending operations.
- Demonstrated leadership abilities, with a track record of effectively managing teams and driving results.
- Exceptional analytical, problem-solving, and decision-making skills.
- Excellent communication and interpersonal skills, with the ability to collaborate effectively across functions and levels of the organization.
- Results-oriented mindset with a focus on delivering superior customer experiences and business outcomes.
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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.
