Choice Microfinance Bank Job Opportunities in Kenya

5. Choice Microfinance Bank Marketing Manager Jobs in Kenya

We are looking for dynamic, proactive professional with strong credential and relevant work experience to fill the positions of marketing manager.

Reporting to: Chief Executive Officer.

Job Purpose:

Under the general guidance of the Ag. Chief Executive Officer, and within the limits of the established Choice Microfinance Bank rules, policies and procedures, ensures proper planning and implementation of marketing activities to drive business growth.

Key Performance Indicators.

Lead, manage and build marketing capabilities through aligning marketing structure to meet company objectives, clarifying roles and accountabilities, coaching and succession planning.

Develops the overall Marketing and Brand Management /Visibility strategy /Plans.

Execute the marketing activities based on targets and agreed budgets, market share growth, business growth KPI’s, product mix and timescales.

Generates the calendar of marketing activities aligning them to the Bank’s Business strategy.

Product and services reviews to drive business competitiveness.

Work on strategies on how to penetrate the new untapped market niches.

Provides management with the Return on Investment metrics for the marketing investments.

Review with the department heads consistent delivery of high quality products and services through product and service development.

Develop structure for harnessing ideas from the bank staff and customers with a view to creating a pipeline of new innovative products &services for the Bank.

Oversee the development of Marketing Communications and publicity materials/collaterals across all mediums; social, outdoor & electronic media.

Manages the Bank’s external agents to optimize effectiveness & efficiency for activities Advertising ,Activations ; Research ,PR ; Publications collaterals of Communication materials, Media buying and placement.

Defining marketing resource requirement and ensure proper allocation across the marketing mix elements and priorities.

Implement marketing, advertising and promotional tasks and carry out effective management of the marketing, advertising and promotional activities of the company.

Collaborate with other key departments to develop and maintain product category SWOT analysis; identify market trends, and develop and priorities a profitable product plan to meet consumer needs.

Leading in marketing all bank products and giving timely feed-back on the uptake of the same.

Advising the bank on the best practices in the industry leveraging on technology to build the bank’s reach.

Qualifications.

A Bachelors degree in a business, Marketing, Public Relations or related field.

A master’s degree will be an added advantage.

Professional Banking/or Marketing qualifications an added advantage.

Have a minimum of five (5) years relevant work experience in a similar position with proven result oriented track record.

Have strong sales and commercial orientation with marketing and/or research experience.

Competencies.

Personality: A go-getter, results oriented with excellent communication and social skills. A forward planner with clear focus, mature, reliable, hard working and able to work without supervision.

Job skills: Be able to communicate and motivate, have good PR/interpersonal skills, have outstanding reporting skills, understand the principles of sales and marketing including market targeting, market mix and cost effectiveness.

Management ability: Responsibility and ability to grow, support and develop talent within the sales team.

Computer skills: Must be adept in use of Ms Word, Excel, Access, powerpoint, Internet and email.

Honest and with high integrity.

6. Choice Microfinance Bank Credit Officer Jobs in Kenya

We are looking for dynamic, proactive professional with strong credential and relevant work experience to fill the positions of credit officer.

Reporting to: Branch Manager.

Job Purpose:

Analyzing and approving of credit facilities to mitigate on credit risk by ensuring compliance to laid down bank lending policies and procedures.

Key Performance Indicators.

Business Growth - Mapping and scoping the business opportunity within the branch environs, including profiling the business activities within the locality of the branch to identify potential business opportunities.

Growing and managing the loan portfolio by marketing, identifying of potential members and recruitment of new members.

Gathering the relevant information about clients and their businesses to ensure that informed decisions are made regarding the credit-worthiness and probability

of repayment by the customer.

Building Business relations In order to grow the deposit portfolio.

Providing guidance to prospective loan applicants to enable them determine the most appropriate type of loan as well as explaining the specific requirements and conditions associated with the loan.

Attending all group meetings as well as individual projects and businesses in order to ensure on time loan repayments resulting to a very healthy loan portfolio.

Analysis of Credit Proposals.

Carrying out loan appraisals / business screening for members through visiting individual businesses, projects, client households, and group meetings, leading to the growth and sustainability of the loan portfolio.

Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money to SME, Micro and Consumer Banking customers.

Analyze financial data such as income growth, quality of management, and market share to determine expected profitability of loans.

Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.

Generate financial ratios, using computer programs, to evaluate customers' financial status.

Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and business activity and cycles

Consult with the respective Business Development Executive to verify financial and credit transactions and resolve any customer complaints .

Perform all the necessary customer due diligence.

Prepare reports that include the degree of risk involved in extending credit/lending.

Confer with credit reference bureau and other business representatives to exchange credit information.

Presentation to Branch Credit Committee.

Complete loan applications, including credit analyses and summaries for all Choice Microfinance Bank products.

Present the loan requests to the Branch Credit Committee for approval within the Bank’s Credit Policy.

Post-Approval Activities.

Maintain a diary system to ensure that all post-covenant sanctions are adhered to.

Teamwork / Other.

Embrace a culture of teamwork, support for each other and commitment to the branch and the Bank goals and aspirations.

Apply gained knowledge, skill or technique to current work and share successes with other team members.

Any other credit related duty as may be assigned by the management.

Qualifications and Experience.

Must be a holder Bachelor’s degree in Commerce/Finance, Business, Banking and Finance or related fields.

Professional qualifications such as Diploma in Co-operative Management, Diploma in Credit Management, Banking or CPA’s will be an added advantage.

Practical experiences in use of MS Office especially excel applications and credit analysis tools.

Competencies.

Understand and implement credit processes.

Demonstrate a high degree of sensitivity, confidentiality and integrity when dealing with internal and external customers.

Job skills: Understand the Banking Act and Central Bank of Kenya (CBK) clearing procedures and prudential guidelines; high levels of professionalism and professional development.

Management and leadership ability: Have excellent interpersonal, organizing and people management skills.

Excellent communication skills, with outstanding reporting and analytical skills.

Effective organizational skills and ability to handle work in an efficient and timely manner.

Good analytical ability.

Computer skills: Must be adept in use of Ms Word, Excel, Access, power-point, Internet and email.

How to Apply:

ALL applicants MUST apply online through the email: hr@choicemfb.com; closing date is 30th March 2017.

Kindly note only shortlisted candidates will be contacted.

“We are an equal opportunity employer”

For more information and job application details, see; Choice Microfinance Bank Jobs in Kenya

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