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Caritas-MFB::Careers

 

 Caritas Microfinance is a vibrant place to work in. Keep on the lookout for upcoming  vacancies.

 


CURRENT OPENINGS

 

VACANCIES AUGUST 2017

Caritas Microfinance Bank is the fastest growing Micro Finance Bank in Kenya whose vision is ‘The Household Bank that Adds Value to All’. As part of our expansion strategy, we are seeking competent and qualified staff to fill the following position:

POSITION: BRANCH MANAGER

JOB SUMMARY

Reporting to the Business Development Manager, the Branch Manager will be responsible for the achievement of business targets and effective management of branch operations within regulatory framework and the Bank’s policies and risk guidelines.

KEY RESPONSIBILITIES

• Develop new business opportunities by proactively marketing for lending/deposit opportunities from current and prospective clients.

• Provide leadership in performance management, employee development, talent management and building a work environment that drives high performance and employee satisfaction. 

• Entrench a risk aware culture and develop risk self-assessment capability to identify, evaluate, mitigate and monitor.

• Build   and maintain relationship with customers to the mutual benefit of both the customer and the bank 

• Maintain good quality loan book by ensuring arrears on normal and watch accounts are collected promptly

• Entrench measurable and meaningful customer service standards and practices

• Ensure Compliance with the Bank’s policy, control guidelines and procedures

• Manage and monitor budget for the branch 

• Collect market information from competitor products and levels of service.

• Ensure that customer service standards are set and maintained in line with the requirements of each market segment.

• Ensure that customer complaints are monitored, trends and root causes identified and addressed at source to prevent recurrence.

• Ensure that customer needs are anticipated and met through provision of appropriate products and services via the most suitable channel.

• Ensure that opportunities to migrate customers to more appropriate, cost effective channels are identified and actioned.

• Ensure efficient, customer-orientated switchboard and telephone procedures.

• Conduct a needs analysis to identify customer needs effectively when opening new accounts or giving product advice.

• Complete disclosure to the customers in terms of accreditation, service fees, and commission.

• Ensure that laid-down instructions are adhered to by all areas under control.

• Identify major risks affecting the support function and ensure the necessary steps are taken to measure, monitor and control these risks.

• Monitor internal controls to ensure their adequacy and effectiveness. Recommend revision of controls to Operations, where appropriate, to address new or previously uncontrolled risks.

• Develop micro market sales plans to achieve responsive sales budgets/targets for branch.

• Gain a sound understanding of the different local market segments in the branch’s area of operation.

• Manage the sales tracking system and provide coaching and feedback to the team.

• Coach the sales team on product knowledge and making the most of cross-selling opportunities.

• To perform any other duty as assigned in line with the organization goals and objective

 

Skills and Specifications:

• Comprehensive knowledge of bank’s laid-down policies and procedures relating to all areas under control.

• Knowledge of the Retail Banking value proposition.

• Knowledge and understanding of the Area sales and service strategies.

 

Qualifications:

• University degree- Upper Second-Class Honors

• Relevant professional qualification in banking – AKIB/ACIB

• 4 years’ experience in business development

Interested and qualified candidates to submit their application including a detailed Cover letter and CV to    This email address is being protected from spambots. You need JavaScript enabled to view it.

 

On or before 25th August 2017.

Applications will be reviewed on a rolling basis and only shortlisted candidates will be contacted

 

Note: Canvassing will lead to automatic disqualification.

For more information visit: http://www.caritas-mfb.co.ke

 

1. BUSINESS DEVELOPMENT OFFICERS 

Job Purpose

Reporting to the Branch Manager, the successful candidates will be responsible for driving and delivering excellent business performance through aggressive marketing of Microfinance Bank products ensuring optimum productivity, high quality loan book, operation efficiency and outstanding relationship management.

Key responsibilities and accountabilities

• Deposit mobilization.

• Aggressively market for new liability accounts in line with the given targets.

• Spearhead the credit function of the branch by ensuring growth of high quality loan book as per targets.

• Ensure that all conditions pertaining to disbursements are fulfilled prior to disbursement requests being processed.

• Develop good customer loans/facilities proposals that comply with the banks credit administration standards and policy.

• Review customer demands in the market and recommend products/ services that will enable the Microfinance Bank to compete in the area of operations.

• In liaison with Credit Administration, ensure timely renewal of insurance policies for assets charged as security and timely updates of valuation reports for properties charged as security for loans extended by the bank under personal portfolio.

• Effective monitoring of loan repayments and mitigating risks related to defaults and periodically reviewing the loan portfolio to manage likely problem areas.

• Ensures regulatory compliance and implementation of effective anti-money laundering procedures and controls.

• Manage customer relations under personal portfolio and ensure lasting relations are established with all clients

 

Minimum Qualifications and Experience 

• Holder of bachelor’s degree in a business-related field. Professional banking qualifications will be added advantage.

• Solid analytical skills and experience in credit appraisal, handling and resolving customer requests and queries.

• Have strong communication and team building skills with ability to work with diverse teams.

• Good understanding of prudential guidelines on KYC.

•Must have a minimum of 4 years banking experience two of which should be in business development.

 

2. DIRECT SALES REPRESENTATIVES

Details:

The Direct Sales Representatives will be responsible for ensuring quality service to customers, effective utilization of marketing tools and ensuring sales targets are achieved.

Duties and Responsibilities

• Meet with clients in person to drive sales.

• Pitch and explain the types of financial services we provide to potential clients.

• Educate clients and answer questions about products

• Advice clients to ensure that they buy products that best suit them.

• Guide clients through the buying process.

• Research on new market opportunities and techniques.

 

Minimum Qualification and Experience

• Diploma in any field from a recognized Institution 

• A previous experience in a financial institution will be an added advantage

• Possess Good customer care skills

• Computer literacy

• Have a Proven track record of success in sales related fields.

• Strong communication skills

• Have a confident and resilient personality

 

Note:

The job is strictly based on a commission structure with an attractive package which includes but not limited to transport & airtime allowances. The successful candidates will undergo an intensive training session.

nterested and qualified candidates to submit their application including a detailed Cover letter and CV to This email address is being protected from spambots. You need JavaScript enabled to view it.

On or before 11th August 2017.

Applications will be reviewed on a rolling basis and only shortlisted candidates will be contacted.

Note: Canvassing will lead to automatic disqualification.

 

________________________________________________________________________________________________________________________________________________________________________________________

VACANCIES June 2017

 

BANCASSURANCE OFFICER

Caritas Microfinance Bank is a fast-growing Micro Finance Bank in Kenya whose vision is to be ‘The Household Bank that Adds Value to all’. As part of our expansion strategy, we are looking for a Bancassurance Officer who is self-driven and results-oriented. The ideal candidate should also be able to work with minimal supervision and possess the ability to meet and exceed targets within strict deadlines.

Job Purpose:

Reporting to the Business Development Manager, the successful candidate will be charged with the responsibility of establishing and driving Bancassurance as a business line. In addition, the role holder will spearhead the growth of Bancassurance business across the Bank channels through supporting delivery channels, develop operating standards and grow revenues for this line of business.

Key responsibilities and accountabilities:

  • Drive growth in Bancassurance business across and outside the bank channels.

  • Prospect and market various insurance products to prospective clients and advice customers on the adequacy of cover requested for in relation to the policies available.

  • Oversee the operational aspects of Bancassurance business at the branch i.e. underwriting, claims, finance and customer service as well as preparation of quotations, negotiating terms for customers and closing sales.

  • Ensure all collaterals and assets that have the Bank interest are properly and comprehensively insured and the Bank’s interest properly noted.

  • Ensure that the Bank, customers and staff insurable assets insured under the Branch are renewed on time and that the premium is paid up.

  • Carry out market research and provide customer feedback to our Head office Bancassurance team for the development of new products and enhancement of existing ones to suite the various market segments.

  • Ensure that all queries on technical insurance issues from customers and branch staff are addressed promptly while providing technical guidance.

  • Ensure compliance with all regulatory and internal procedures regarding Bancassurance business.

  • Champion insurance training and sensitization of staff and customers on insurance products.

  • Ensure timely submission of claim documents and continuously update clients whose claims are being processed on progress of their claims.

  • Any other duties assigned by their Supervisor.

Minimum Qualifications and Experience

The successful jobholder will be required to possess the following qualifications and experience;

  • University Degree preferably in an Insurance, Actuarial or Business field from a recognized University with at least two years working experience in Bancassurance/Insurance industry.

  • Professional qualification in Insurance or good progress in ACII or AIIK Diploma.

  • Must be a holder of COP from College of Insurance.

  • 2 Years Insurance marketing and/or underwriting experience.

  • Exposure to Insurance products in the bank set-up with knowledge of the Bank’s set standards, policies and the operating manual.

  • Excellent communicator with ability to work effectively in a diversified set up and in a highly collaborative team environment.

  • Proven ability to respond quickly, independently and appropriately to competing priorities under tight deadlines

  • Knowledgeable in compiling data and preparing a variety of reports as well as ability to verify the accuracy of documents

How to apply

Interested and qualified candidates are invited to submit their application with a detailed CV, quoting the job title/reference in the subject field to: This email address is being protected from spambots. You need JavaScript enabled to view it.

Closing date for application is 16th June 2017. Only shortlisted candidates will be contacted.

 

 

 VACANCIES JANUARY 2017

Caritas Microfinance Bank is a fastest growing Microfinance Bank in Kenya whose vision is ‘The Household Bank that Adds Value to All’. As part of our expansion strategy, we are seeking competent and qualified staff to fill the following positions:

 

1.     RISK AND COMPLIANCE OFFICER

 

Job Purpose

Assist the Internal Audit Manager in executing the bank’s internal audit plan; identifying risks associated with the business and evaluating the controls in place to mitigate those risks.

Key responsibilities and accountabilities

The Risk and Compliance officer will be required to carry out the following tasks during audits;

·        Participate in opening meetings with the auditee to explain the scope and objectives of the audit engagement and provide an overview of all steps in the audit process.

·        Develop a thorough understanding of business processes in scope for assigned audits, identify and document inherent risks and controls within the business processes.

·        The implementation of all aspects of the risk function, including implementation of processes, tools and systems to identify, assess, measure, manage, monitor and report risks.

·        Assist the process for developing risk policies and procedures, risk limits and approval authorities.

·        Manage the process for elevating control risks to more senior levels when appropriate.

·        Manage the corporate risk and control assessment reporting process as well as managing and maintaining infrastructure elements (e.g. management reporting, including reporting to senior management).

·          Prepare high-level user requirements to assist in preparation of Project Initiation Documents.

·        Develop a risk based test plan by selecting appropriate audit approach, test procedures and sampling criteria based on professional judgment and departmentally defined internal audit methodology.

·        Perform audit tests and prepare working papers in accordance with professional IIA standards and the bank’s internal audit methodology.

·        Evaluate the adequacy of process design and the effectiveness of controls in meeting business and control objectives. Identify and document control and process weaknesses and provide evidential support for findings.

 

Minimum Qualifications and Experience

·        Bachelor’s degree in Business, Accounting or Finance.

·        A Certified Accountant (CPA, ACCA) with recognized professional designations in audit (CIA or CISA) as an added advantage.

·        2 to 3 years’ experience in risk and compliance management in the financial services industry.

·        Solid understanding of risk and control concepts. Ability to apply these concepts to evaluate the adequacy and effectiveness of business processes and controls to mitigate risk to tolerance levels defined by management.

·        Comprehensive and current knowledge of legislation applicable to Microfinance institutions including the CBK Prudential Guidelines and the Microfinance Act.

·        Good understanding of accounting principles and financial statements as well as well-developed technical skills in Microsoft word and excel.

 

2.     MARKETING AND COMMUNICATIONS OFFICER

                                                                                                       

Job Purpose:

The Marketing and Communications Officer will be responsible for developing and managing the implementation of the marketing and brand strategy for the company and play a key role in leading the overall company growth plans.

The position covers the full marketing mix; strategic planning, market research & analysis, web & print advertising, email communications, viral marketing and social media.

 

Key responsibilities and accountabilities:

  • Monitoring market trends to identify opportunities and key issues

  • Conducting research on consumer markets and competitor activities

  • Overseeing marketing and advertising activities to ensure excellent performance of all marketing campaigns

  • Developing and executing of the marketing strategies

  • Analysing and monitoring competitor and consumer activity to identify opportunities for growth

  • Developing and implementing the marketing plan.

  • Evaluating customer research, market conditions, competitor data and implement marketing plan alterations as required

  • Monitoring product uptake and consumer reactions

 

Minimum Qualifications and Experience

·        Bachelor degree in any relevant field.

·        At least 3 years’ experience in Marketing.

·        Preferable experience in banking or related industry.

·        Professional marketing course will be an added advantage.

·        Excellent team leadership skills, communication, organization and presentation skills

·        Strategic thinking skills.

·        Proven experience in using social media platforms and developing digital communications strategies.

·        Strong understanding of current online marketing concept, strategies and best practice

·        Excellent organizational and leadership skills,

·        Excellent Customer focus, marketing and communication skills

·        Brand management skills

·        Ability to write with strict attention to detail, grammar, expression and thoughtfulness

·        Media and Public Relations management

·        Networking and Relationship Building capabilities

 

3.     HUMAN RESOURCE AND ADMINISTRATION MANAGER

 

Job Purpose:

The Human Resource and Administration Manager will be responsible for ensuring that the office is operationally efficient and effective.  Responsible for setting strategic human resource and administrative direction; providing a perspective on growth and expansion; and supporting and sustaining a culture that is in line with our core values.

Key responsibilities and accountabilities:

·        To continuously liaise with other departments to forecast human capital needs and develop an appropriate budget.

·        Maintains the work structure by updating job requirements and job descriptions for all positions.

·        Maintains organization staff by establishing a recruiting, testing, and interviewing program; counselling managers on candidate selection; conducting and analysing exit interviews.

·        Develop employee motivation programs and job design.

·        Manage and coordinate the employee pay and benefit structure.

·        Ensures legal compliance by monitoring and implementing applicable labor laws; conducting investigations; maintaining records and representing the organization at hearings.

·        Responsible for updating, and recommending human resource policies and procedures.

·        Responsible for conducting TNA’s, development of training programs and their implementation.

·        Is charged with spearheading personnel administration roles and proper record maintenance.

·        Develop, manage and implement personnel policies.

·        Effectively interface with all levels of the organization to coordinate and oversee all of the people-related and office management activities

·        Make certain that all administrative, procurement systems and processes are highly reliable, finely tuned and well delivered with an aim toward pro-action rather than reaction

·        Negotiate related contracts, manage relevant vendor relationships, liaison with building management and oversee office operations

·        Serve as administrative team leader, coach and advocate for administrative staff.

·        Responsible for implementation of balance score card performance management system.

·        Responsible for the process of disciplinary measures and the necessary documentation.

 

Any other duties assigned by their supervisor.

Minimum Qualifications and Experience

·        Degree in Human Resource or any other business related field

·        Higher Diploma in human Resource Management

·        5-8 years of professional experience with at least 5 years of progressive and hands-on HR generalist and supervision experience.

·        Experience in customer support and administrative services roles

·        Broad knowledge and experience in performance management specifically Balance Score Card.

·        Must have hands on experience in HRMIS.

·        Strong oral and written communication skills.

·        Ability to work as a team with staff at all levels.

·        Excellent analytical skills and sound judgment.

·        Experience in Financial institutions will be an added advantage.

·        Member with Institute of Human Resource Management

 

4.     DIRECT SALES REPRESENTATIVES

Caritas Microfinance Bank is looking for motivated and passionate individuals ready to grow a brand known for empowering households. As part of our expansions strategy we are seeking competent and qualified staff to fill the following positions.

The role; Reporting the branch manager, the Direct Sales Representatives will be responsible building strong and long-lasting relationships with clients leading increase uptake and usage of the bank’s products and services.

Specifically, the job successful candidate will be required to;

·        Deliver sales targets for assets and liabilities.

·        Provide excellent customer service.

·        Conduct door to door selling of the bank’s products.

·        Conduct financial literacy to existing and prospective clients.

·        Cross sell the bank’s products.

·        Engage and seek customer feedback on the bank products.

·        Provide regular reports.

Minimum Qualification and Experience

·        Degree/Diploma in a business-related course from a recognized Institution

·        A previous experience in a financial institution will be an added advantage

·        Possess Good customer care skills

·        Computer literacy

·        Have a Proven track record of success in sales related fields.

·        Strong communication skills

·        Have a confident and resilient personality

·        Parish priest recommendation is a MUST

Note:

The job is strictly based on a commission structure with an attractive package which includes but not limited to transport & airtime allowances. The successful candidates will undergo an intensive training session.

   

 How to apply

Interested and qualified candidates are invited to submit their application with a detailed CV, quoting the job title/reference in the subject field to: This email address is being protected from spambots. You need JavaScript enabled to view it.

Closing date for application is 2nd February 2017. Only shortlisted candidates will be contacted.