JOB DETAILS:

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.

About Us

KCB Group is registered as a non-operating holding company which started operations as a licensed banking institution with effect from January 1, 2016. The holding company oversees KCB Kenya – incorporated with effect from January 1, 2016 – and all KCB’s regional units in Uganda, Tanzania, Rwanda, Burundi, Ethiopia and South Sudan. It also owns KCB Insurance Agency, KCB Capital, KCB Foundation, National Bank of Kenya, and all associated companies. The holding company was set up to among other things to enhance the Group’s capacity to access unrestricted capital and also enable investment in new ventures outside banking regulations, achieve operational and strategic autonomy for the Group’s operating entities and enhance corporate governance across the Group and oversight in the management of subsidiaries. Related documentation