Housing Finance Company of Kenya was incorporated as the premier mortgage Finance Institution in Kenya licensed under the Banking Act with the CDC and the GoK owning 60% and 40% respectively.
Housing Finance started operations with the main objective of implementing the government’s policy of promoting thrift and home ownership by lending ...
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Principle Accountabilities
Talent Acquisition
- Develop and execute recruitment strategies to attract high-quality candidates.
- Manage the end-to-end hiring process, from sourcing to onboarding.
- Utilize various sourcing channels (job portals, LinkedIn, career fairs, referrals, etc.).
- Screen resumes, conduct interviews, and coordinate hiring processes with department heads.
- Build and maintain a talent pipeline for critical roles.
- Enhance employer branding to position the organization as a top employer.
- Ensure that recruitment policy is appropriately adhered to and continuously updated to align with the changing times.
- Provide timely interview feedback to candidates.
Talent Development & Retention
- Support employee engagement and career development initiatives.
- Assist in succession planning and talent retention strategies.
- Conduct market research on industry best practices in talent management.
- Working closely with the HR Business Partner, keep a record of individual development talent and talent profiles and derive relevant insights for talent development and retention.
Governance and Control
- Ensure all recruitment, selection, and onboarding processes comply with local labour laws, employment regulations, and company policies.
- Stay updated on changes in employment legislation and advise management on necessary adjustments.
- Maintain accurate and legally compliant employee records related to hiring, onboarding, and talent development.
- Ensure proper documentation of hiring decisions, interview notes, and selection criteria for audit purposes.
- Adhere to data protection regulations when handling candidate and employee data.
Seamless onboarding and offboarding of employees
- Facilitate a structured onboarding process for new hires, ensuring a seamless transition into the organization.
- Coordinate employee orientation programs to familiarize new hires with company policies, culture, and expectations.
- Ensure all HR documentation, contracts, and employee records are accurately processed and stored.
- Manage offboarding procedures, including exit interviews and clearance processes.
Other HR Operations accountabilities
- Providing support in handling disciplinary issues in the Business Unit in liaison with HRBPs.
- Providing support in coordinating the Performance Management process in the Business Units in liaison with the HRBP.
- Conduct background checks, reference verifications, and employment contracts processing.
- Generate HR reports and dashboards on recruitment metrics, workforce planning, and talent pipeline.
- Plan and execute employee engagement and recognition events.
Key Competencies and Skills
General Competencies
- Excellent written and oral communication skills; ability to communicate effectively and projects a professional image when giving and taking information in writing, in person and over the phone.
- Excellent interpersonal skills with the ability to effectively lead and work with individuals and groups at all organization levels; ability to work independently and as part of a team.
- Excellent customer service skills with the ability to respond to inquiries or complaints effectively and timely.
- Ability to take initiative and prioritize tasks; good time-management, organization, problem-prevention and problem-solving skills.
- Basic analytical ability with active listening skills.
- Ability to work accurately with close attention to detail; must have eye for details, strong ability to scrutinize and examine.
- Ability to maintain confidentiality of sensitive information.
- Ability to use sound judgment and perform duties independently; demonstrate sound work ethics.
Technical Competencies
- Computer/IT skills, including knowledge of Microsoft Office applications e.g. Word; Excel; etc.
- Proficiency in HR software systems namely Perpay and Aruti.
- Experience in navigating and utilizing to post vacancies and shortlist candidates.
Minimum Qualifications, Knowledge and Experience
Academic & Professional Qualifications
- Bachelor’s degree in Human Resource/Social Sciences or its equivalent from a recognized institution.
- Higher Diploma in Human Resources.
- Certified Human Resource Professional (CHRP) is an added advantage.
Experience
- A minimum of one-year work experience in a busy Human Resources environment especially in talent acquisition.
- Knowledge of employment laws and regulations.
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Principle Accountabilities
- Negotiation.
- Develop and refine negotiation skills to maximize the recovery of delinquent accounts while maintaining positive customer relations.
- Customer Outreach.
- Contact delinquent account holders through digital channels such as email, SMS, and online chat to remind them of outstanding payments.
- Payment Negotiations.
- Engage in negotiations to establish payment plans or settlements with customers who are behind on their payments, while adhering to bank policies and regulations.
- Security and Confidentiality.
- Safeguard customer information and maintain the confidentiality of sensitive data in accordance with data protection laws and bank policies.
- Customer Assistance.
- Assist customers in understanding their financial obligations, payment options, and the consequences of non-payment, while demonstrating empathy and professionalism. Handle questions or complaints regarding digital loans.
- Record-keeping
- Maintain accurate records of all communication with customers, payment arrangements, and any relevant information regarding the collection efforts and keeping track of assigned accounts to identify outstanding efforts.
- Investigate and resolve discrepancies together with the team leader.
- Plan course of action to recover outstanding payments.
- Create trust relationships with debtors when possible to avoid future issues.
- Update account status regularly.
- Alert superiors of debtors unwilling or unable to pay when necessary.
- Communicate with management and other team members about methods and strategies to ensure a positive rate of customers agreeing to repay their debts.
- Participate in team meetings and huddles for improvements in the team process and tasks.
Key Competencies and Skills
Technical Competencies
- Data Analysis
- Reporting.
- Regulatory framework Knowledge.
- Adherence to data protection statutes
- Digital Communication Tools.
- Credit Scoring and Risk Assessment.
- General competencies
- Excellent communication and people skills.
- Apt in negotiating and persuading.
- Customer Service Orientation.
- Time management.
- Problem solving.
- Emotional intelligence
- Strong business acumen
Minimum Qualifications, Knowledge and Experience
Qualifications- Academic and Professional
- Bachelor’s degree from an accredited University preferably in a business-related field
Experience
- Experience in working with targets and tight deadlines.
- At least one-year experience in a collection/recoveries role
- Working knowledge of MS Office and databases.
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Principle Accountabilities
Responsibilities
- Present, promote and sell products to existing and prospective customers
- Establish, develop, and maintain positive business and customer relationships
- Reach out to customer leads through cold calling and continuously improve through feedback.
- Expedite the resolution of customer problems and complaints to maximize satisfaction
- Deliver the agreed-upon sales targets and outcomes within agreed timelines.
- Coordinate sales efforts/activations with team members and other departments
- Analyze the territory/market’s potential, track sales and status reports
- Supply management with reports on customer needs, problems, interests, competitive activities and potential for new products and services.
- Keep abreast of best practices and promotional trends.
- Any other duties as may be assigned from time to time.
Requirements
- Proven work experience as a sales representative
- Excellent knowledge of MS office
- Highly motivated and target driven with a proven track record in sales
- Excellent selling, communication and negotiation skills
- Prioritizing, time management and organizational skills
- Ability to create and deliver presentations tailored to the audience needs
- Relationship management skills and openness to feedback
Key Competencies and Skills
- SKILLS AND ATTRIBUTES
- Excellent communication and interpersonal skills.
- Excellent planning and organization skills.
- Ability to work under pressure.
- Excellent problem solving and decision-making skills.
- Knowledgeable with industry’s rules and regulations.
- Results driven and customer focused.
- Basic understanding of the insurance industry and products.
Minimum Qualifications, Knowledge and Experience
Education:
- Business/Insurance related Degree.
Professional:
- Certificate of proficiency in Insurance (COP).
EXPERIENCE:
- 1 year’s sales experience.
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Principle Accountabilities
- Create systematic and consistent lead generation from project marketing efforts, cold calling, referrals, lead generation services and other forms of media. All engagements to be on the CRM.
- Ensure that all client engagements from prospecting to closure are on the CRM.
- Conduct surveys to identify price of competing properties on the real estate market and relay the same to their supervisor
- Provide periodic (daily, weekly and monthly) sales reports (client pipeline) to company management on sales operations and generated returns using CRM systems
- Build and maintain relationships with clients by providing support, information and guidance through the entire customer journey.
- Participate in the promotion of property sales on organized events such as expos, site activations, mall activations among others.
- Follow up and ensure the preparation and approval of documents such as booking forms, offer letters, sale agreements and transfer documents
- Upload customer payment evidence on the CRM for validation
- Ensure customer payment plans are followed up and all collections done on time. Achieve 85% compliance to customer payment plans. Issue cancellation notices through the CRM as per policy.
- Ensure all mortgage clients are identified early, their mortgage applications created and tracked centrally.
- Ensure compliance with real estate laws and policies when conducting property sales. Act with high levels of professionalism in all client engagements
Key Competencies and Skills
- Excellent communication, influencing and negotiating skills
- Astute sales skills
- High integrity
- A strong team player
- Ability to adopt a flexible approach to meet targets and the needs of the business
Minimum Qualifications, Knowledge and Experience
Academic & Professional
- Minimum Diploma in Business Administration, Marketing or related field
- A competent user of the Internet, Microsoft Outlook, Microsoft Word, Microsoft PowerPoint and Microsoft Excel.
Experience
- At least 2 years’ experience in financial or real estate industry
- Experience in using customer relationship management tools
- Proven track record of sales
- Own network of potential leads
- Experience in handling high net-worth clients
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Principle Accountabilities
Financial Performance
- Achieve the set monthly and annual sales targets for all the consumer Banking products for this segment.
- Prospect, anticipate and close all sales leads within the shortest time possible in an efficient way.
- Develop a clear aggressive sales pipeline for both existing and potential customers.
- Prospecting and recruiting new customers for the various Consumer Banking products, understanding their needs and requirements.
Customer Experience
- Identifying customer needs not met by existing products and the implementation of new products and services.
- Utilize the customer relationship management system aimed at customer acquisition, retention and maximizing on every relationship.
- Perform customer onboarding activities and touch activities as per CRM workflows.
- Manage all escalations related to diaspora support.
- Ensure customers are well supported on e-channels uptake to promote utilization.
- Ensure first contact resolution for all queries directed to you.
- Achieve departmental NPS score of 60
Operational Effectiveness
- Attend to daily refers and excesses requests; Proactive management of NPL for assigned portfolio.
- Ensure compliance with operations risk requirements e.g.
- KYC, AML, Health & safety standards, security of Premises.
- Ensure good health of assigned portfolio by actively managing encroachments, Accountability reports and write offs.
- Close gaps/lapses identified; take corrective and preventative actions identified by audit, risk and compliance reviews; investigations or other assessment mechanisms within the agreed time frame.
- Prepare and submit reports to the relevant stakeholders within agreed format and timelines (daily, weekly, monthly, quarterly)
- Use of digital workflows and processes to achieve efficient and impactful engagement and accurate delivery of service.
- Achieving a ‘Good’ audit rating for the Diaspora Banking Proposition ensuring prompt thorough closure of all audit exceptions sited.
- 100% adherence to policies, procedures and statutory guidelines. Minimize exposure to bank wide risks; enforce zero tolerance to non-compliance with KYC and AML regulations.
- Utilize the MIS system for continuous tracking of own performance, monitoring of customer satisfaction and provision of management / statutory reports as applicable.
- Present reports that facilitate informed and sound decision-making. Trends, insights and concerns with recommendations clearly elaborated.
- Achieve schedule adherence and availability targets as per Contact Centre productivity measures.
People, Learning and Growth
- Proactively manage own learning and development.
- Deliver performance objectives set. Institute immediate corrective action where performance is below par.
- Championing team training on matters related to the homeward proposition.
Minimum Qualifications, Knowledge and Experience
Academic:
- Bachelor’s degree from a recognized accredited university.
- Certificate of Proficiency in Insurance (COP) will be an added advantage.
- Being a CISI fellow is an added advantage.
Professional:
- 3-4 years’ working experience in a Customer Management role.
- In-depth knowledge of the local and Diaspora Banking industry, banking products, banking services and banking regulations. Sound working knowledge and understanding of general commercial regulations and practices.
- Appreciation of Diaspora Banking as a proposition.
- Interaction/Understanding of CRM tools.
Method of Application
Use the link(s) below to apply on company website.
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