Job Purpose:
The
job holder will be responsible for leading the Product development of digital
lending financial services to increase functionality, usage & transaction
migration across the Online, Mobile and new to the world banking channels. The
job holder will also be responsible for customer focused solutions that
streamline credit processes through use of technology solutions combined with
continuous process improvement to enhance both the customer experience and
financial results. The job holder will also ensure that the customers’ channel
of choice facilitates the interaction with us digitally and provides the near
instant gratification.
The
role is responsible for envisioning, design, implementation and
commercialisation of re-imagined digital first lending products and processes
targeted at the consumer, business and corporate segments. The role will
maintain a product backlog, develop user stories, participate in scrum
ceremonies, product testing, end user training and developing go to market
strategies for new or revamped lending products. The role will also
continuously monitor and control products post go-live to ensure they meet agreed
revenue and profitability targets.
Job Responsibilities/ Accountabilities:
- Championing digital banking and
determining opportunities for improving business processes through
automation.
- Developing, maintaining and managing a
pipeline of customers across all stages of the Digital loan journey. This
will require one to have a strong operating rhythm to ensure that there is
sufficient activity across the application approval within the system to
avoid customer dissatisfaction.
- Work closely with internal stakeholders
and external vendors on project planning and execution of change processes
with respect to Business Policy Rules and system enhancements.
- Serving as liaison between Projects
management Office and Business team to translate business requirements
into effective technical solutions by presenting development options based
on best practices.
- Gathering functional and non-functional
business ideas and analysing to design processes flow and documentation.
- Involved in System User Acceptance
Testing & offering Business Units support and training in all bank
Digital Lending Solutions.
- Using his/her customer experience and
credit expertise to wow customers at every point of their lending journey
and prompt resolution to the issues raised.
- Monitoring market trend and carrying out
competitive analysis of the Digital Lending market with an intent to
continuously innovate around online customer journey with enhanced
customer experience and satisfaction, especially on Digital platforms
- Providing support and training
continually to bank staff on new systems, products and policy updates.
- Ensuring the Portfolio management of
Digitally Lent facilities across the regions.
Essential Knowledge
- Excellent understanding of both Credit
and IT policies and procedures
- Excellent understanding of competitor
market trends on Channel lending
- Excellent knowledge of Central Bank of
Kenya Prudential & Risk guidelines.
- In-depth knowledge of systems utilized by
the Credit Function. Ability to interpret the API xmls, especially from
Finacle, will be an added advantage.
- Expert knowledge; exhibits an exceptional
degree of ingenuity, creativity and resourcefulness. Leads the development
of highly advanced technologies, principles, theories and concepts. Guides
and transfers knowledge to his team.
Key Critical Competencies
- A team player with excellent
interpersonal skills
- Strong analytical skills and problem
solving skills
- The ability to work on own initiative and
manage own workload to meet deadlines.
- Strong written and verbal communication
skills with the ability to decipher technical language into business
language.
- Customer Centric with the ability to
offer customers to a different channel based on their channel of choice.
- Strong business acumen
- Solid background of software lifecycle
- Strong disciplined operating rhythm
- Strong Credit background
- Experience in facilitating workshops and
focus groups
Requirements:
- University degree or equivalent
- At least 6 years relevant banking
experience, 3 of which should have been in Credit
- Proven ability to analyse complex
business issues and identify, design and implement effective practical
recommendations
- Experienced in project management will be
an added advantage
- Able to operate in a performance driven
organization
- In-depth knowledge of Central bank
Prudential and Risk Guidelines.
How To Apply
